Prime Day is here — Maximize your Amazon purchases with these credit cards
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The day that frequent Amazon shoppers have been eagerly anticipating is finally here. This year’s Amazon Prime Day began at 3:00 a.m. ET on Monday and continues through tomorrow, Tuesday, June 22. For those not familiar, the event is essentially Black Friday for those with an Amazon Prime membership, with thousands of exclusive deals starting as often as every five minutes throughout this year’s 48-hour sale.
Even if you’re not currently an annual Amazon Prime member, you can sign up today for a free trial or a monthly membership to take advantage of the sale. In addition, Prime Student offers college students to receive a free six-month trial membership.
You can check out this post for a deep dive into the best cards for Amazon purchases — not only on Prime Day but every day of the year. But, for a quick hit on this sale day, here are some of the best credit cards to use for your purchases (in no particular order).
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Earning rates: Earn 5% cash back on Amazon.com and Whole Foods Market purchases, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases. However, cardholders can earn 6% back at Amazon.com and Whole Foods Market on this Prime Day.
Sign-up bonus: Earn a $150 bonus upon approval.
Annual fee: $0
Analysis: As the name might suggest, the Amazon Prime Rewards Visa Signature Card is a good option for your Prime Day purchases. Upon approval, you’ll get a $150 gift card automatically loaded into your Amazon.com account — so theoretically, if you apply for the card today and are approved, you’ll have that $150 credit to use in time for the day’s sales. In addition to the gift card credit, you’ll usually earn 5% cash back on Amazon.com and Whole Foods Market purchases, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases.
However, in honor of Prime Day, Amazon is currently offering cardholders 6% back on all Amazon.com and Whole Foods Market purchases. This elevated return is available for purchases through June 22, 2021.
The points you earn from spending can then be used directly on Amazon purchases or for a statement credit — 100 points equal a dollar when redeemed on Amazon.com or for cash. The card charges no annual fee, but you must be a Prime member to be eligible; membership costs $119 for 12 months.
The information for the Amazon Visa Signature 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.
Earning rates: Earn 5% back on travel purchased through Chase Ultimate Rewards, 3% back on dining, 3% back at drugstores and an unlimited 1.5% cash back on everything else.
Sign-up bonus: Earn a $200 bonus after spending $500 on purchases in their first three months of account opening.
Annual fee: $0
Analysis: If you’re interested in earning cash back (or Ultimate Rewards points), the Chase Freedom Unlimited could be a good option for your Prime Day purchases. The card will earn you 1.5% cash back on general purchases with no limit. That equals 1.5 points per dollar when paired with an Ultimate Rewards-earning card — a 3% return based on TPG’s valuations. In addition, there’s no annual fee with the card.
Earning rates: Earn 4x points at restaurants, 4x points at U.S. supermarkets (on the first $25,000 spent each calendar year; then 1x), 3x points on flights booked directly with airlines or through the Amex Travel Portal and 1x on other purchases.
Welcome bonus: Earn 60,000 Membership Rewards points after you spend $4,000 on purchases in the first six months of account opening. Check the CardMatch Tool to see if you’re targeted for a 75,000-point Gold Card offer (offers are subject to change at any time).
Annual fee: $250 (see rates and fees)
Analysis: For high-value purchases, you’ll want to use a card that offers generous purchase protection in case your items are stolen, accidentally damaged or lost, such as the Amex Gold Card. With the Amex Gold Card, you’ll earn just 1x Membership Rewards points on Amazon purchases, which is a rather lackluster return of 2% based on our valuations. However, you’ll get an astounding $10,000 in protection for up to 90 days per covered purchase and up to $50,000 for all incidents in a calendar year, as well as other key shopping benefits like return protection and extended warranty. The card has a $250 annual fee (see rates & fees), but that’s recouped through benefits like up to $120 in dining credits each year, $120 in annual Uber Cash (Uber Eats and Uber rides in the U.S.; card must be added in Uber app to receive benefit) and 4x points at restaurants. Enrollment required for select benefits.
You can also consider purchasing Amazon gift cards from select U.S. supermarkets with the Amex Gold (earning 4x points up to $25,000 a year; then 1x) or from select office supply stores with the Chase Ink Business Cash® Credit Card (earning 5% cash back/5x points up to $25,000 per account anniversary year). Just note that’ll you’ll forfeit credit card purchase protection if you go this route.
If you’re planning on grabbing any Amazon Prime Day deals, not only will you be saving money, but — provided you use the right card — you’ll also be maximizing the return on your purchase(s).
For more on Prime Day 2021, see this guide.
Additional reporting by Senitra Horbrook.
For rates and fees of the Amex Gold Card, please click here.
Featured photo by Paul Hennessy/NurPhoto/Getty Images.
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Earn 90,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new card in the first three months of card membership. Offer ends 11/10/2021.
With Status Boost™, earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year getting you closer to Medallion Status. Earn 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants and at U.S. supermarkets and earn 1X Mile on all other eligible purchases. Terms Apply.
- Limited Time Offer: Earn 90,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months. Offer expires 11/10/2021.
- Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
- Earn 3X Miles on Delta purchases and purchases made directly with hotels.
- Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
- Earn 1X Miles on all other eligible purchases.
- Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. *Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
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- No Foreign Transaction Fees.
- $250 Annual Fee.
- Terms Apply.
- See Rates & Fees