Best credit cards for book lovers
Editor's Note
Quick summary
Now, more than ever, our options and reasons for reading seem endless. Whether you're lugging textbooks to class, tossing paperbacks into your beach bag or downloading audiobooks for your commute, book lovers know that a reading habit can become expensive.
Our motto around here is that if you're spending, you should be earning. So, we're sharing our best strategies to ensure your reading habit is as good for your rewards balance as it is for your brain.
the best credit cards for books
The easiest and most important way to earn on your book purchases is to use one of the best credit cards for books. These cards will ensure that you're earning bonus points no matter what type of book purchase you make.
- Prime Visa: Best for books bought through Amazon
- Barnes & Noble Mastercard: Best for books bought through Barnes & Noble
- Target Circle Card: Best for books bought through Target
- Capital One Venture Rewards Credit Card: Best for flexible travel rewards
- Chase Freedom Flex®: Best for books bought from drugstores
- Citi Double Cash® Card: Best for independent bookstores (see rates and fees)
Here's a comparison chart that breaks down the earning rates for these options:
| Credit Card | Best for | Book bonus earning |
|---|---|---|
| Prime Visa | Books bought through Amazon | 5% |
| Barnes & Noble Mastercard | Books bought through Barnes & Noble | 5% |
| Target Circle Card | Books bought through Target | 5% |
| Capital One Venture Rewards Credit Card | Earning flexible travel rewards | 2 miles per dollar |
| Chase Freedom Flex | Books bought from drugstores | 3% |
| Citi Double Cash Card | Books bought from independent bookstores | 2% cash back (1% when you buy and 1% when you pay) |
The information for the Barnes & Noble Mastercard and Target Circle 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.
More details on the best cards for books
Prime Visa
Sign-up bonus: Get a $200 Amazon gift card instantly upon approval, exclusively for Prime members.
Annual fee: $0
Why we love it: Among the most convenient ways to save on Amazon's vast array of books — and all of its other products — is to use one of its cash-back credit cards. The Prime Visa comes without an annual fee and is a good option if you're loyal to Amazon for many purchases.
The Prime Visa earns you 5% cash back at Amazon when you have an existing Prime membership ($139 annually). In addition to 5% off at Amazon and Whole Foods, you'll get 2% cash back at gas stations, restaurants and local transit and commuting (including rideshare) as well as 1% back on all other purchases.
For more details, check out our full review of the Prime Visa.
Related: Best cards for Amazon purchases
Apply here: Prime Visa
Barnes & Noble Mastercard
Sign-up bonus: Get a $25 Barnes & Noble gift card after your first purchase or balance transfer.
Annual fee: $0
Why we love it: We aren't typically huge fans of store credit cards, but the Barnes & Noble Mastercard is a good way to earn bonus rewards on physical or book purchases from this store.
With this card, you'll earn 5% back on all in-store and online Barnes & Noble purchases as well as 2% back at restaurants.
Related: Store vs. cash-back cards: Which one should I get?
Target Circle Card
Sign-up bonus: None
Annual fee: $0
Why we love it: Target might be synonymous with groceries and household needs, but it also typically carries a selection of books both in-store and online. While not nearly as extensive a selection as Barnes & Noble or Amazon, you can still find a surprisingly wide array of popular bestsellers and even Target-exclusive reads.
The Target Circle Card earns 5% cash back on all Target purchases, including books.
For more details, check out our full review of the Target Circle credit card.
Related: Best cards for Target purchases
Capital One Venture Rewards Credit Card
Sign-up bonus: Earn 75,000 bonus miles after spending $4,000 in the first three months from account opening.
Annual fee: $95 (see rates and fees)
Why we love it: The beauty of the Venture Card is its simplicity. You'll earn 2 miles for every dollar you spend on all purchases, including any outlet that sells books. You can use these rewards to cover travel purchases at a rate of 1 cent per mile. You can also transfer them to numerous travel partners — potentially boosting your return to 3.7% (based on TPG's July 2024 valuations, not provided by the card issuer).
For more details, check out our full review of the Capital One Venture Card.
Apply here: Capital One Venture Rewards Credit Card
Chase Freedom Flex
Sign-up bonus: Earn $200 cash back after you spend $500 on purchases in the first 3 months from account opening.
Annual fee: $0
Why we love it: Besides earning 5% back on rotating quarterly categories (up to $1,500 spent, activation required), the Freedom Flex earns 3% on dining and drugstore purchases. Drugstores may not be the first place you think of when purchasing books, but it's worth checking your favorite one to see if it carries good titles. If it does, buy your books there and use this card to earn bonus points on those purchases.
Suppose you also have a higher-end Chase card like the Chase Sapphire Preferred® Card. In that case, you can combine your points in a single account to effectively convert the cash-back rewards from the Freedom Flex into fully transferable Ultimate Rewards points.
For more details, check out our full review of the Chase Freedom Flex.
Apply here: Chase Freedom Flex®
Citi Double Cash Card
Sign-up bonus: Earn $200 cash back after you spend $1,500 on purchases in the first six months of account opening.
Annual fee: $0
Why we love it: The Citi Double Cash Card is a versatile product that earns 2% cash back — 1% when you purchase and 1% when you pay your bill. This card allows you to be as flexible as possible when it comes to buying books, earning 2% back no matter what type of book you buy or where you make your purchase.
For more details, check out our full review of the Citi Double Cash.
Apply here: Citi Double Cash® Card
Other ways to earn on book purchases
Buy gift cards
If you have a credit card that earns bonus points for shopping at grocery or office supply stores, look at the gift cards available at the stores around you.
You can purchase gift cards for stores like Amazon or Barnes and Noble and then use them to buy books, allowing you to earn bonus points on those purchases.
Use a shopping portal
Always check shopping portals for your favorite bookstores when shopping online to see if you earn even more on your reading-related purchases.
Check merchant offers
Many cards regularly have merchant offers for book retailers. Make sure to check the offers on all your cards regularly and add any that you think you might use. Then, use the card with the offer and shop at the places that earn money back before the offer expires.
In addition, Amex regularly offers a discount when redeeming Membership Rewards points on Amazon purchases.
We recommend using a note on your phone to keep track of which offers are on which cards, so you can easily reference it when you're ready to make a purchase.
Bottom line
A reading habit can be an expensive one. Make sure you're using one of the best credit cards for buying books and stacking your earnings with merchant offers and shopping portals to get the most bang for your bibliophile buck.