Maximize Your Amazon Prime Day Purchases With These Cards

Jul 15, 2019

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If you’re an avid Amazon shopper, it should come as no surprise that the 2019’s Amazon Prime Day is here. For those not familiar, the event is essentially Black Friday for those with an Amazon Prime membership, with thousands of exclusive deals throughout the day. 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 allows college students to receive a free six-month trial membership.

The sale officially began at 3:00am ET on Monday, with new deals starting as often as every five minutes. And while the discounts are exciting in and of themselves, there are also ways to maximize your return on Amazon spending during this one-day sale. 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):

Related: How to Get up to 5x Points on Amazon Purchases

Amazon Prime Rewards Visa Signature

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 $70 gift card automatically loaded into your account — so, theoretically, if you apply for the card today and are approved, you’ll have that $70 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 and Whole Foods Market purchases, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases. However, this year, Amazon is offering cardholders 6% back at, Whole Foods Market, Amazon Books, and Amazon 4-Star stores during Prime Day (7/15-7/16). 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 or for cash.

By using this card for your Prime Day purchases, you’ll earn 6% back — a pretty solid return. The card charges no annual fee, but you must be a Prime member in order to be eligible; membership costs $119 for 12 months.

Chase Freedom Unlimited

(Photo by Isabelle Raphael / The Points Guy)
(Photo by Isabelle Raphael / The Points Guy)

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 purchases with no limit. That equals 1.5 points per dollar when paired with an Ultimate Rewards-earning card  3% return based on TPG’s valuationsThere’s no annual fee with the card.

American Express® Gold Card

For high-value purchases you’ll want to use a card that offers generous purchase protection, 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 per incident 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, 4x points on dining and up to a $100 annual airline fee credit.

Bottom Line

You can also consider purchasing Amazon gift cards from select US 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 5x points up to $25,000 a year). Just note that’ll you’ll forfeit credit card purchase protection if you go this route. The information for the Ink Business Cash has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

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).

Follow The Points Guy for comprehensive coverage of Prime Day 2019 — click here for more great deals.

For rates and fees of the Amex Gold Card, please click here.  

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

Additional reporting by Emily McNutt.

Featured image by Smith Collection/Gado / Getty Images.

Chase Sapphire Preferred® Card

WELCOME OFFER: 60,000 Points


CARD HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel partners

*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.

Apply Now
More Things to Know
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.
Intro APR on Purchases
Regular APR
15.99%-22.99% Variable
Annual Fee
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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