Last updated on November 15th, 2022
With the holiday season now upon us, it’s time to talk Black Friday, holiday shopping, and the best credit cards for a deal-heavy time of the year. Here are the top credit cards for Black Friday shopping:
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At a Glance
 Citi Custom Cash℠ Card |
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. | |
 Discover it® Cash Back |
Earn up to 5% cash back in rotating categories | Learn More |
 Capital One® Walmart Rewards™ Card |
Earn unlimited 5% back at Walmart.com including Grocery Pickup and Delivery, plus 2% back at Walmart stores | Learn More |
 Citi® Double Cash Card |
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. | |
 Costco Anywhere Visa® Card by Citi |
4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter. |
The Best Black Friday Credit Cards
Citi Custom Cash℠ Card
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Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter
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Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening
☆ 5% Categories Include Gas, Streaming, Groceries, Travel, & More!
☆ 0% Intro APR for 15 Months
☆ No Annual Fee
The Citi Custom Cash℠ Card is a cash back credit card that offers up to 5% back on eligible purchases, a lengthy 0% intro APR, and more, for no annual fee. The card differs from other 5% back cards in that cardmembers earn 5% back on your top eligible spend category up to $500 spent each billing cycle, with the following eligible categories:
| Dining | Fitness clubs | Grocery stores |
| Drugstores | Gas stations | Home improvement stores |
| Travel & transit (select) | Live entertainment | Streaming service (select) |
All other purchases with the card earn unlimited 1% cash back, with no caps on that earning. In addition to the up to 5% cash back on purchases, new accounts also enjoy a cash back welcome bonus (subject to spending minimums), and two lengthy 0% intro APR periods.
Eligible new accounts enjoy 0% intro APR on purchases and balance transfers for 15 months. This makes the card is a direct competitor to some leading balance transfer credit cards, which offer a great rate and nothing else. Not so with the Custom Cash, which prioritizes your needs every day.
Discover it Cash Back
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5% cash back in rotating categories each quarter, up to the quarterly maximum, when you activate
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0% for 15 months from account opening
☆ Discover Cash Back Match
☆ Redeem Points with Amazon
☆ No Annual Fee
The Discover it® Cash Back is a perennial favorite for the holiday season thanks to its excellent 5% cash back calendar. The Discover it earns 5% cash back on the first $2,500 in quarterly spending in select categories, then 1% after that. Those 5% bonus categories are lucrative, with the 2022 calendar looking as follows:
| 5% Cash Back Category | |
| January – March 2022 | Grocery stores plus gym and fitness club memberships |
| April – June 2022 | Gas stations and Target |
| July – September 2022 | Restaurants and PayPal |
| October – December 2022 | Amazon.com and digital wallets |
Amazon is a regular feature of Q4 for Discover, making it one of the best cards for Black Friday shopping. The Amazon website sells anything you can imagine, including groceries via Amazon Fresh or Whole Foods. In previous years the Q4 5% categories also included Target and Walmart, something missing in 2022. For this reason, Discover misses out on our top spot, with the Custom Cash holding the edge.
Capital One® Walmart Rewards™ Card
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Unlimited 5% back at Walmart.com , 2% back at Walmart & and Murphy USA Fuel Stations
☆ 2% back on travel and dining
☆ 1% back on all other purchases
☆ No Annual Fee
If Walmart is your Black Friday store of choice, the Capital One® Walmart Rewards™ Card is likely your best choice for the “Best Black Friday Credit Card.”
The card earns 5% back for online Walmart purchases (including Grocery Pickup and Delivery) and 2% in-store. However, that 2% back is bumped up to 5% back in-store for the first 12 months when using Walmart Pay. This 5% back online and in-store makes the Walmart Rewards Card an excellent option for Black Friday.
Other ways to earn cash back with the card include 2% back at Walmart and Murphy USA fuel stations, 2% back on dining and travel purchases, and 1% back on everything else. The card charges no annual fee.
Citi® Double Cash Card – 18 month BT offer
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Earn 2% back on everything
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Earn 1% back when you make a purchase and 1% back when you make you pay off that balance
☆ Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months
☆ No Reward Caps or Categories
☆ No Annual Fee
If unlimited cash back is preferable, the Citi® Double Cash Card is a perfect Black Friday companion. The card offers unlimited 2% cash back on all eligible purchases. That 2% back breaks down as 1% back when you buy and 1% back when you pay for your purchases.
The simplified cash back is matched by two equally generous welcome offers. First, new accounts earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening. Second, new accounts enjoy 0% intro APR on balance transfers for 18 months, with a variable rate based on creditworthiness after that.
That double welcome bonus and the simplified cash back rewards combine to make the Double Cash an ideal credit card for Black Friday, Cyber Monday – or just a random Tuesday. It’s great every day!
Costco Anywhere Visa® Card by Citi
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4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
☆ 3% back on dining & travel
☆ 2% back at Costco; 1% elsewhere
☆ No Annual Fee
If you are looking for big savings, a warehouse club like Costco, BJs, or Sam’s Club might be your gateway to Black Friday bliss. The Costco Anywhere Visa® Card is a great way to stock the freezer and get the newest 150-inch turbo-HD TV – all while earning valuable cash back rewards.
The card earns 2% back on Costco purchases (including costco.com), 3% on restaurants and eligible travel purchases, and 4% cash back on eligible gas and EV charging purchases (for the first $7,000 per year and 1% after that). All other purchases earn 1% back. Cash back rewards are redeemable as a rewards certificate
The lucrative gas, dining, and travel categories make the Costco Anywhere Visa one of the best road trip credit cards available today. Even better, the Visa card also serves as your Costco membership card, so you save space in your wallet when you earn big rewards on your even bigger Black Friday purchase!
Not sure if the Costco Anywhere Visa from Citi is right for you? Check out the Sam’s Club® Mastercard® from Synchrony.
Featured image by Amanda Kirsh/Burst
