Last updated on September 19th, 2023
Amazon’s Prime Day is one of the most hotly-anticipated shopping events of the year. For 2023, the online shopping extravaganza takes place over two days in July, giving savvy consumers even more time to snag a bargain. But what are the best credit cards for maximizing your savings on Prime Day 2023?
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At a Glance
Amazon Prime Day is a multi-day event exclusively for Amazon Prime members. During the event, Amazon offers doorbuster deals on everything from televisions and appliances to home furnishings, clothing, and more.
Amazon’s flagship event will run two days this July, from July 11 at 3 a.m. EDT to July12, 2023. The annual event is open to Amazon Prime members in Austria, Australia, Belgium, Brazil, Canada, China, France, Germany, Italy, Japan, Luxembourg, Mexico, the Netherlands, Portugal, Singapore, Spain, the U.K., the U.S., and for the first time in Poland and Sweden.
Prime customers will be able to shop products from top national brands and more third-party sellers than on last year’s Prime Day, including many small and medium-sized businesses. New deals—from fashion and electronics to toys and home goods—will go live throughout Prime Day, offering savings on products across categories, including from Customers’ Most Loved, Internet Famous, and a selection of Climate Pledge Friendly products.
What are the Best Credit Cards for Amazon Prime Day 2023?
Here are some of the top picks for credit cards this Prime Day:
Prime Visa
Prime Visa
Prime Visa
- 19.49% to 27.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.49% to 27.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Prime Visa offers cardholders impressive rewards on all Amazon.com and Whole Foods purchases, as well as elevated cash back at gas stations, drug stores, restaurants, transit, commuting, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Instant Amazon.com gift card on approval
- Earn 5% Back at Amazon.com and Whole Foods Market with an eligible Prime membership, plus 5% Back on purchases made through Chase Travel.
- Earn 2% Back at restaurants, gas stations, and drugstores, plus 2% Back on local transit and commuting, including rideshare.
- Earn 1% Back on all other purchases
- No foreign transaction fees
- No annual fee
- Regular Purchase APR: 19.49% to 27.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: N/A
- Balance Transfer APR: 19.49% to 27.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- Minimum Deposit Required: N/A
- You frequently shop at Amazon or Whole Foods
- You have an existing Amazon Prime membership
- You want a card with no foreign transaction fees and Visa concierge services for your travel plans
- You want a flexible rewards program, including savings at gas stations dining
- You want the excellent customer service Amazon is known for
The Amazon Prime Rewards Visa Signature® Card is seemingly designed for Prime Day – and never was this more certain than Prime Day. The card earns up to 5% back at Amazon.com and Whole Foods, making it a great option for getting groceries shipped directly to your door via either Whole Foods or Amazon Fresh.
What makes the Prime Visa such a robust Prime Day credit card are the unique features it offers cardmembers, both new and old:
- New cardmember welcome offer: From June 29 through July 26, Prime members can get a $200 Amazon Gift Card instantly upon approval for Prime Visa.
- 6% back on Prime Day: Cardmembers earn unlimited 6% back on Prime Day at Amazon.com, Amazon Fresh, and Whole Foods Market with an eligible Prime membership (5% back year round). Plus, with daily rewards, earnings can now be redeemed at Amazon.com or Chase as soon as the next day.
- Extra rewards with No-Rush Shipping on Prime Day: Prime cardmembers can also earn an additional 1% back on eligible Amazon purchases with No-Rush Shipping (for a total of 7% back with an eligible Prime membership).
The card requires a Prime membership to maximize rewards. Having Prime, for instance, bumps up the cash back to 5% at Amazon and Whole Foods. No Prime membership means cardholders earn just 3% back at Wholefoods and Amazon – not great, but better than average.
Related Article: The Ultimate Guide to Credit Cards for Groceries & Delivery Services
The Best Credit Cards that Don't Require Amazon Prime
Don’t want a credit card that is tied to an Amazon account? Here are some more excellent options to consider:
Citi® Double Cash Card – 18 month BT offer
Citi® Double Cash Card – 18 month BT offer
Citi® Double Cash Card – 18 month BT offer
- 18.99% – 28.99% (Variable) Regular Purchase APR
- 18.99% – 28.99% (Variable) Balance Transfer APR
- 29.99% (Variable) Cash Advance APR
At a Glance
The Citi® Double Cash Card is one of the most versatile cash back credit cards on the market today, thanks to impressive, flat-rate cash back, lucrative introductory 0% APR offers, and more. Cardholders earn 2% back on every eligible purchase: 1% back at the time of sale and an additional 1% back when they pay their statement balance. Cash back is redeemable for statement credits, direct deposits, checks, or converted as ThankYou® points.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.99% – 28.99%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Regular Purchase APR: 18.99% – 28.99% (Variable)
- Intro Balance Transfer APR: 0% for 18 months on Balance Transfers
- Balance Transfer APR: 18.99% – 28.99% (Variable)
- Balance Transfer Transaction Fee: 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.
- Cash Advance APR: 29.99% (Variable)
- Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
- Penalty APR: Up to 29.99% (Variable)
- Annual Fee: $0
- Foreign Transaction Fee: 3%
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You prefer earning cash back at a flat rate rather than in rotating categories
- You’re looking to either consolidate existing balances or pay down a large purchase with no interest charges for an extended period of time
- You like to have the flexibility of converting cash back into lucrative rewards points
- You’re considering a credit card without an annual fee
Prime Day has shifted its date over the years. Despite that, the sales event usually fell into the 5% bonus cash back category of at least one rotating cash back credit card – but not so this year. Unlimited cash back cards offer cash back at an elevated rate – typically between 1.5% and 2% back – on every eligible purchase.
The Citi® Double Cash Card earns a flat-rate 1% cash back on all eligible purchases – and another 1% back when the account holder pays off that balance. Additionally, the card features no annual fee and a lengthy 18-month intro APR offer for new accounts.
The lack of an annual fee, the prospect of 2% back, and the 0% introductory APR on balance transfers for the first 18 months make the Citi Double Cash Card the perfect everyday credit card for looking to save the Prime Day or hoping to pay down an existing card balance.
The Double Cash from Citi earns rewards as ThankYou Points. Cardmembers can opt for statement credits, gift cards, merchandise, or other award options or use their points to book travel through Citi ThankYou® Rewards.
Other options from Citi that provide value for Prime Day include the Citi Custom Cash℠ Card, and low rate and balance transfer options like the Citi Simplicity® Card and the Citi® Diamond Preferred® Card.
Chase Freedom Unlimited
Chase Freedom Unlimited
Chase Freedom Unlimited
- 20.49% to 29.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.49% to 29.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 15 months from account opening date Intro Purchase APR
At a Glance
The Chase Freedom Unlimited® credit card is a reliable option for customers looking to pair an attractive cash back rewards program with generous introductory interest rates. Cardholders can redeem for cash, travel, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 5% on travel purchased through Chase Ultimate Rewards
- Earn 3% on dining at restaurants, including takeout and eligible delivery services
- Earn 3% on drugstore purchases
- Earn 1.5% on all other purchases
- No annual fee
- Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening
- Earn 5% Cash back on gas station purchases on up to $6,000 spent in the first year
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 20.49% to 29.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months from account opening date
- Balance Transfer APR: 20.49% to 29.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You are looking for a low-rate credit card to perform a balance transfer
- You prefer straightforward rewards earnings rather than quarterly categories requiring activation
- You’ll make at least $500 in purchases in the first 90 days
- You do’t want to pay an annual fee
The Chase Freedom Unlimited earns an unlimited 1.5% cash back on all purchases except for extra enhanced categories. The card also earns 3% back on bonus categories of dining and restaurant purchases, including take-out orders and deliveries through eligible delivery services like Grub Hub and UberEATS. That 3% back also applies to drugstore purchases.
For Prime Day, new cardmembers can enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers – perfect for financing big purchases.
Other flat-rate cash back cards to consider include the TD Double Up Card (2% back – 1% when you buy and 1% when you pay), the Amex Cash Magnet (1.5% back), and the Wells Fargo Active Cash (2% back).
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
- 19.24% to 29.99% variable based on creditworthiness the Prime Rate Regular Purchase APR
- 19.24% to 29.99% variable based on creditworthiness the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
Through the Blue Cash Preferred® Card from American Express, you can earn sizable cash back rewards on purchases in common categories, including 6% cash back at U.S. supermarkets on up to $6,000 in annual purchases (then 1%), 3% cash back at U.S. gas stations and select U.S. department stores, and 1% on all other purchases. You can also earn $250 back in the form of a statement credit after you make $3,000 in purchases using your new card in the first six months of the account being open.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.99% – 29.99%. Variable APRs will not exceed 29.99%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit
- Get up to $120 in statement credits annually when you pay for an Equinox+ membership at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
- Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $12.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required.
- Terms Apply.
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 19.24% to 29.99% variable based on creditworthiness the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 19.24% to 29.99% variable based on creditworthiness the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $0 for the first year. Then $95
- Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You budget for family spending and want a credit card that earns significant cash back
- You’ll spend a lot of money on groceries to take advantage 6% cash back at U.S. supermarkets on up to $6,000 in annual purchases (then 1% after that)
- You’re excited at the prospect of earning 6% cash back with select streaming services
- You want to capitalize on your commute with 3% cash back at U.S. gas stations (and select U.S. department stores)
- You’ll take advantage of 3% cash back on transit (taxis/rideshare, parking and tolls, trains, buses and more), and 1% on all other purchases
- You’re likely to make $3,000 in purchases within the first six months of the account opening to qualify for a one-time $250 statement credit
- You cook at home often and commute to work and school regularly, or make use of public transit regularly
The Blue Cash Preferred® Card from American Express is an excellent option for Prime Day 2023. Amazon offers a vast assortment of services, including groceries (Amazon Fresh/ Whole Foods Market), music (Amazon Music Unlimited), and streaming (Amazon Prime Video).
The Blue Cash Preferred earns 6% back on streaming services and 6% back on U.S. groceries (up to $6,000 per year), making it an excellent option for anyone planning to stock up on provisions or maybe add a new premium channel to their Prime Video viewing lineup.
The Capital One® Savor® Cash Rewards Card is another great option at a similar price point (both cards feature a $95 annual fee). The Savor earns unlimited 4% back on streaming and groceries, making it a great choice for someone who wants the enhanced earning of the Preferred, but not the caps on earning it.
Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®
- 14.99%-29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.99% to 29.99% Balance Transfer APR
At a Glance
The Upgrade Cash Rewards Visa® offers no fees, low rates, cash back, and credit lines from $500 to $25,000 in one unique package. The card provides consumers the flexibility and predictability to quickly pay down balances and get debt-free. The Upgrade credit card is one of the lowest regular APR credit cards on the market for those with excellent credit scores, putting it firmly on any list of the best balance transfer credit card deals – or any list of the best credit cards in the U.S.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- Earn 1.5% unlimited cash back on card purchases every time you make a payment
- Combine the flexibility of a credit card with the predictability of a personal loan
- No annual fee
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
- *To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.
- Regular Purchase APR: 14.99%-29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 14.99% to 29.99%
- Balance Transfer Transaction Fee: Up to 5%
- Foreign Transaction Fee: Up to 3%
- You struggle to pay off your credit card balances
- You want a structured repayment plan
- You can reliably pay off your statement balances to earn cash back for your purchases
- You have a desire to get debt-free quickly
- You hate penalty or other hidden fees
The Upgrade Cash Rewards Visa® provides a great mix of unlimited cash back and an exceptional APR. That APR on purchases and balance transfers starts as low as 9% for applicants with excellent credit.
Instead of 0% APR Upgrade prioritizes a great rate along with a unique repayment plan that is more akin to a personal loan than a traditional credit card account. Cardholders pay off balances significantly faster with Upgrade versus other low APR credit cards. According to research from Upgrade, paying off a $10,000 balance takes just a few years with the Upgrade Visa, compared with other traditional credit cards that can take up to 20 years – or more.
Add to that great rate simplified cash back rewards, and you have the makings of an excellent low APR credit card. Even better, that 1.5% cash back applies to every purchase, making the Upgrade Cash Rewards Visa a versatile credit card suitable for Prime Day, Black Friday, Arbor Day – or any day!
BankAmericard® Credit Card
BankAmericard® Credit Card
BankAmericard® Credit Card
- 16.24% to 26.24% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 16.24% to 26.24% variable based on creditworthiness and Prime Rate Balance Transfer APR
- 19.24% to 29.24% variable based on the Prime Rate Cash Advance APR
- 0% for 21 months from account opening date Intro Purchase APR
At a Glance
The BankAmericard Mastercard is the balance transfer card designed for those who want a special intro rate and little else. The card features 0% intro APR on purchases and balance transfers for the first 21 months. The card also boasts no penalty APR and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No interest charges on purchases and balance transfers for the first 21 months from the date of account opening
- No penalty APR for late payments
- No annual fee
- Access your FICO® Score for free
- Intro Purchase APR: 0% for 21 months from account opening date
- Regular Purchase APR: 16.24% to 26.24% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 21 months for any balance transfers made within 60 days from account opening date
- Balance Transfer APR: 16.24% to 26.24% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 19.24% to 29.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $29
- You plan to make a large purchase and use the card to pay off the balance over time
- You have existing credit card balances to combine and pay down
- You don’t want to pay an annual fee
You would think that the list of best credit cards for Prime Day would be exclusively rewards – but that’s not the case. After all, earning points is great, but being able to finance a big Prime Day purchase over 12, 15, or even 18 months interest free sounds like a great deal to me. And that’s where the BankAmericard® from Bank of America comes in.
The BankAmericard Mastercard offers two exceptional introductory periods: 0% intro APR for 21 months on purchases and balance transfers made within the first 60 days of account opening, with a highly competitive, low variable APR after that. That 21 months of interest-free financing on purchases is among the longest 0% APR periods for any card – and adding 21 months of 0% APR on transfers just sweetens the pot.
While The BankAmericard might not have many flashy features, like the Double Cash of Freedom Unlimited, it is a no-nonsense card for people who can appreciate no annual fee, no penalty APR, and no nonsense.
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