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7 of our favorite cards to use for Black Friday shopping in 2022

Nov. 24, 2022
14 min read
A person holding a credit card while shopping online from a smartphone
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It’s that time of year again.

When I was much younger, Black Friday shopping was somewhat of a tradition in my family. I’d get up early with my mom and aunt, and “just the girls” would go to Target, Walmart, Dillard’s, Sears and every other store that was open — starting at the crack of dawn.

As I’ve gotten older, “Black Friday” has expanded beyond just Friday and beyond in-person shopping to online deals, too. In today’s digital era, a large portion of Black Friday shopping can be done from the comfort of your own home.

Wherever you shop, though, there are plenty of ways to maximize your purchases by using the right credit cards. Here’s a rundown of some of the best credit cards to use for your Black Friday shopping this year.

Blue Cash Everyday® Card from American Express

Annual fee: $0 (see rates and fees).

Rewards rate: Earn 3% cash back on groceries at U.S. supermarkets, 3% back on online purchases from U.S. merchants, 3% back at U.S. gas stations and 1% back on other purchases. It's worth noting that you can only earn 3% back in the bonus categories on the first $6,000 spent in each category during a calendar year; after that, your earning rate will be 1% until the following year.

THE POINTS GUY

When to use this card: For your first $6,000 of online purchases from U.S. retailers each year, you can earn 3% back. If you'll be shopping online during Black Friday or Cyber Monday, this is easily one of the best credit cards for your purchases. You can also earn a welcome bonus of $100 as a statement credit after spending $2,000 on purchases within the first six months of cardmembership. Plus, up to $150 in statement credits earned as 20% back on purchases with PayPal merchants within the first six months of cardmembership.

For more details, check out our full review of the Blue Cash Everyday Card.

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Official application link: Blue Cash Everyday Card from American Express


Chase Freedom Flex

Annual fee: $0.

Rewards rate: You'll earn 5% back on up to $1,500 in quarterly rotating categories when you enroll (the current categories for October-December 2022 are Walmart and PayPal) and 5% back on travel booked through the Chase Ultimate Rewards travel portal. You can also earn 5% back on Lyft rides through March 2025.

On top of this, you'll earn 3% back at drugstores, 3% back on dining and 1% back on other purchases.

THE POINTS GUY

When to use this card: The Chase Freedom Flex is a great all-around earner, particularly now. It is currently offering 5% back on up to $1,500 in purchases at Walmart and when paying with PayPal during the fourth quarter of 2022, making it perfect for any Black Friday shopping done at Walmart or online where PayPal is accepted. Walmart frequently has excellent Black Friday deals (both online and in-store) and PayPal is accepted at millions of retailers. Right now, new cardholders will also get a $200 bonus after spending $500 on purchases in the first three months from account opening

Plus, if you also have another Chase card with an annual fee that earns Ultimate Rewards points (such as the Chase Sapphire Preferred Card), the rewards earned with the Freedom Flex can be converted into full-fledged, transferable Ultimate Rewards points by combining your points.

For more details, check out our full review of the Freedom Flex card.


Official application link: Chase Freedom Flex


Capital One Venture Rewards Credit Card

Annual fee: $95.

Rewards rate: Earn 2 miles per dollar on all purchases but earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel.

WYATT SMITH/THE POINTS GUY

When to use this card: The Venture card earns at least 2 miles per dollar on every single purchase, no matter when or where, so it’s great to use on purchases that won’t earn you bonuses in specific categories on your other rewards credit cards. It also means you’ll be earning solid rewards both in-store and online. Better yet, TPG values Capital One miles at 1.85 cents each, so you’re really getting a 3.7% return on all expenses.

Capital One miles can be redeemed as a statement credit for eligible purchases or transferred to one of the issuer’s many airline and hotel transfer partners, and this can provide outsized value on your next vacation.

For more details, check out our full review of the Venture card.


Official application link: Capital One Venture Rewards Credit Card


Amazon Prime Rewards Visa Signature Card

Annual fee: $0.

Rewards rate: Earn 5% back on Amazon and Whole Foods purchases, 2% back at restaurants and gas stations and 1% back on everything else.

THE POINTS GUY

When to use this card: The Amazon Prime Rewards credit card is only open to those that have an Amazon Prime membership; while the card has no annual fee, you do have to foot the $139 bill for an annual Prime account. But for those who find Prime worthwhile, the card excels with 5% back on a wide variety of items and groceries at Amazon and Whole Foods.

Even better, eligible Amazon Prime members who apply for the Amazon Prime Visa Signature card during the current offer will receive a $200 Amazon gift card immediately upon approval. Prime cardholders can also earn a fantastic 10% back on select products from eligible gift guides, which can be found here, during this holiday season.

For more details, check out our full review of the Amazon Prime Rewards Visa.

The information for the Amazon Prime Rewards card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.


Citi Custom Cash℠ Card

Annual fee: $0.

Rewards rate: 5% cash back on the first $500 of purchases each billing cycle in your top spending category from the following list (then 1%): restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs and live entertainment. Earn 1% back on other purchases.

THE POINTS GUY

When to use this card: This is a card that caters to your lifestyle, whether you’re traveling the globe one month or grocery shopping at home the next. If you max out the $500 spending limit each billing cycle, you’ll earn $25 in cash-back rewards per month — for a potential maximum of $300 in rewards annually. That versatility is key: even if your Black Friday purchases aren’t in your normal high-spending categories, you can still earn 5% back on them if they make up the bulk of your bill this month, provided they’re in those eligible categories.

Plus, if you’re adding the Citi Custom Cash on top of your Citi Prestige® Card or Citi Premier® Card, you can unlock the option to convert your earnings into fully transferable miles with Citi’s hotel and airline transfer partners to extract even greater value from them.

The information for the Citi Prestige card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

For more details, check out our full review of the Citi Custom Cash Card.


Official application link: Citi Custom Cash Card


Discover it® Cash Back Credit Card

Annual fee: $0.

Rewards rate: Enroll every quarter to earn 5% back on up to $1,500 spent on purchases in quarterly rotating categories. Current categories for October to December 2022 are Amazon.com and digital wallet payments.

ASCENTXMEDIA/GETTY IMAGES

When to use this card: If you’re planning on shopping online at Target, Walmart or Amazon, the Discover it Cash Back could be a great option for earning cash back this Black Friday. All of these retailers are famous for their holiday shopping deals, making them prime locations for Black Friday and Cyber Monday shoppers.

Better yet, Discover will match the cash back you earn at the end of your first year. So if you’re a new cardholder this holiday season, you’re effectively earning 10% back on bonus category purchases and 2% on non-bonus spending.

For more details, check out our full review of the Discover it Cash Back card.

The information for the Discover it Cash Back has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.


Citi® Double Cash Card

Annual fee: $0.

Rewards rate: You can earn 2 points per dollar on purchases. It works like this: Earn 1 ThankYou point for each dollar you spend and another 1 point for each dollar you pay from your bill.

When to use this card: If you've checked our list of the best cards for each bonus category and don't think your purchases will qualify for any bonus earnings, then this is a great card to use for everything else. TPG values ThankYou points at 1.8 cents apiece, meaning you could earn a 3.6% return on all spending. You can redeem these points for cash back or with a limited number of travel partners. However, if you have another Citi credit card — such as the Citi Premier or the Citi Prestige — you can combine your ThankYou points to use with the full range of Citi's travel partners and unlock huge value.

For more details, check out our full review of the Citi Double Cash.


Official application link: Citi Double Cash Card


Tips to further maximize purchases

Utilize offers from your credit card

Major credit card issuers have programs that provide targeted offers, and you can use these to get extra rewards or bonus cash back on your purchases. Because these are targeted offers, not every offer is available for every person or on every credit card that you hold from that bank. These include Amex Offers, BankAmeriDeals, Capital One Offers, Chase Offers and Citi Merchant Offers. Many offers are applicable to both in-store (Black Friday) and online (Cyber Monday) purchases.

Use this offer to get cash back on Tommy Hilfiger purchases. CITI.COM

Related: Save money on your holiday purchases with these offers

These offers can make a card that doesn’t typically offer bonus rewards at certain stores worth using while you shop non-travel Black Friday deals. By adding an offer to your card and then shopping with that merchant (you'll need to pay with the card to which you added the offer), you can earn cash back or bonus points on top of your normal earnings.

Use this offer to earn extra points at Best Buy. AMERICANEXPRESS.COM

Don’t forget to use shopping portals

When shopping online for Black Friday or Cyber Monday, make sure you’re going through a shopping portal in addition to using a great credit card so that you’re double-dipping (or potentially even triple-dipping) on rewards.

All you have to do is go through their link to shop on the sites you love. I typically start at a shopping portal aggregator such as CashbackMonitor.com to compare earning rates across these sites and then select the one that works best for me.

Related: Your guide to maximizing shopping portals for your online purchases

Note that these bonuses will be in addition to the standard earning rates on the cards above; you should also be able to stack them with discounts or bonuses. In this way, you can earn rewards from the shopping portal, rewards from your credit card and possibly use rebates from your credit card issuer — quite the combination.

Using Black Friday to hit sign-up bonus spending requirements

If you just applied for a new card with a sign-up bonus spending requirement, holiday shopping is a great opportunity to help you hit those spending thresholds. While I don’t suggest overspending just to hit a welcome bonus, if your holiday shopping can help you along the way, responsibly, you might as well leverage it to do so.

For instance, let’s say you applied for the Capital One Venture X Rewards Credit Card. The Venture X earns 2 miles per dollar on online shopping and at stores. Currently, the Venture X card’s sign-up bonus is 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening, so use your holiday shopping to help you get there.

Accruing 2 miles per dollar on everyday spending is a solid rate of return — especially for shopping categories that typically may not receive a bonus of any kind on other credit cards. But if you’re also making a dent in the $4,000 initial spending requirement to earn the 75,000 miles, that’s an even better deal.

The best credit cards for your Black Friday purchases may not be in your wallet yet, so consider the following resources:

RGSTUDIO/GETTY IMAGES

Bottom line

Black Friday represents an enormous shopping day in the U.S., making it an excellent opportunity to rack up rewards as you head into the holiday season.

Whether you prefer to brave the stores or handle your shopping online while curled up with hot cocoa — or even do both — there are many ways to make the most of your purchases this holiday season.

The best credit cards for Black Friday shopping will provide extra cash back, earn more bonus points or even allow you to unlock a valuable welcome bonus.

Additional reporting by Nick Ewen, Chris Dong and Ryan Smith.

For rates and fees of the Amex Blue Cash Everyday card, click here.

Featured image by TASHDIQUE MEHTAJ AHMED/GETTY IMAGES
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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How we chose these cards

Our points-obsessed staff uses a plethora of credit cards on a daily basis. If anyone on our team wouldn’t recommend it to a friend or a family member, we wouldn’t recommend it on The Points Guy either. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners.
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TPG featured card

Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards

2 - 10X points
10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day

Intro offer

75,000 bonus miles
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

Annual Fee

$395

Recommended Credit

740-850
Excellent
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023
Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day
  • Intro Offer
    Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

    75,000 bonus miles
  • Annual Fee

    $395
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    740-850
    Excellent

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023