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- Amazon Prime Day is coming up on October 8 and 9. Save even more by using the right credit card.
- Earn 5% cash back with the Prime Visa, or choose 0% APR on eligible purchases (then 19.99% – 28.74% Variable APR).
- Discover it® Cash Back cardholders earn 5% back on up to $1,500 spent at Amazon.com and Target from October through December 31, 2024. Discover will also automatically match all the cash back you’ve earned at the end of your first year.
Amazon Prime members who missed out on epic deals from Amazon Prime Day back in July can try their luck again over Amazon Prime Big Deal Days, coming up on October 8 and October 9.
Savvy spenders can save even more money by using three of the best credit cards for Amazon purchases: the Prime Visa, my new favorite everyday credit card, Discover it® Cash Back, and its baby cousin, the Discover it® Student Cash Back.
None of these cards have annual fees, but they do come with lucrative benefits on top of generous rewards.
Discover it® Cash Back
If you’re not an Amazon Prime member or cardholder, you can still earn 5% cash back this quarter on all Amazon purchases if you have the Discover it® Cash Back.
Potential Amazon Prime Day Bonus: Up to $150 cashback (5% on up to $1,500, doubled during your first year as a cardmember)
Both cards earn 5% cash back on rotating categories every three months on the first $1,500 spent across all qualifying purchases — see our Discover cash back calendar. Amazon (and Target) purchases are the bonus categories through the end of 2024, which means you could earn a whopping $75 cash back if you max out the $1,500 limit for 5% cash back.
Better yet, new Discover it® Cash Back cardholders like myself earn double cash back in their first year. Discover offers this welcome bonus on many of the best Discover credit cards, tallying up everything you’ve earned in Year 1 and matching the full amount on your one-year anniversary.
As a new cardholder, this means I’ll earn a grand total of $150 if I spend $1,500 on Amazon before December 31: $75 cash back when my transactions clear, and another $75 later on at the end of my first year with this card.
Pro Tip: If you want to get the Discover it® Cash Back before the Amazon Prime Day sales, you can apply now to get a virtual card for immediate use if you’re approved.
Learn more about both of these cards in our Discover it Cash Back card review and our Discover it Student Cash Back card review.
Discover it® Cash Back
Insider’s Rating
3.8/5
Intro APR
0% intro APR for 15 months on purchases and balance transfers
Regular APR
17.74% – 27.74% Variable
Earn Unlimited Cashback Match™
Pros
- From October 1 to December 31, 2024, earn 5% cash back at Amazon.com and Target on up to $1,500 in purchases after enrollment, then 1%
- Discover will match your cash back earned at the end of your first account year
- No annual fee
Cons
- Cap on how much bonus cash back you can earn each quarter
- If the quarterly categories aren’t convenient for you, you can earn more cash back with a different card
Product Details
- Intro Offer: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem your rewards for cash at any time.
- Apply and you could get a decision in as little as 60 seconds. No annual fee.
- Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get a 0% intro APR for 15 months on purchases. Then 17.74% to 27.74% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
Amazon Prime Visa: 5% cash back with no limit
Amazon Prime members who also have the Prime Visa credit card can earn 5% cash back on almost anything purchased from Amazon and Whole Foods.
You may even be offered an additional 1% cash back for choosing Amazon Day shipping, which combines all of your recent orders into a single shipment on a day of your choice instead of shipping each item as soon as you purchase.
The Prime Visa is one of Business Insider’s best cash-back credit cards of 2024 for many reasons. In addition to earning 5% back on Amazon, cardholders with an Amazon Prime membership also earn 5% on purchases from Amazon Fresh, Whole Foods, and Chase Travel℠ purchases.
Even cardholders without Amazon Prime membership can earn 3% cash back on purchases from Amazon, Amazon Fresh, Whole Foods, and Chase Travel℠. These rates beat out some of the best 2% cash-back credit cards of 2024, which typically earn flat rate rewars on every dollar spend, with no additional bonuses for Amazon or Whole Foods.
And unlike the Discover it® Cash Back or the Discover it® Student Cash Back, the Prime Visa doesn’t cap your earnings: You’ll earn 5% back on all qualifying purchases, no matter how much you spend.
0% APR on eligible purchases
Prime Visa cardholders can also opt for a zero-interest period on many purchases over $50. Most transactions over $50 are eligible for six months of 0% intro APR (then 19.99% – 28.74% Variable APR), while most purchases over $250 are eligible for a 12-month 0% interest period (then 19.99% – 28.74% Variable APR).
Our Amazon Prime Rewards Visa Signature card review covers all of these details and more.
Prime Visa
Insider’s Rating
4.05/5
Regular APR
19.99% – 28.74% Variable
Get a $150 Amazon gift card
Recommended Credit
Good to Excellent
Pros
- 5% cash back at Amazon, Whole Foods, and travel booked through Chase is hard to beat
- Good travel benefits and purchase protections
- No annual fee
Cons
- Must be an Amazon Prime member to qualify
- Other cards offer higher cash-back rates on non-Amazon purchases
Product Details
- Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members
- Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
- Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
- Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
- Earn unlimited 1% back on all other purchases
- No annual credit card fee
- No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
- Member FDIC
Katherine Fan
Correspondent, Credit Cards
Katherine Fan is a personal finance expert, journalist, and public speaker with almost 10 years of industry experience. She began her career in tech before transitioning to journalism in 2015. Katherine currently serves as Personal Finance Insider’s correspondent for credit card coverage. Before joining Business Insider as Senior Editor of Credit Cards, Katherine covered aviation, award travel, loyalty programs, and credit cards as a senior reporter for The Points Guy, and small business finances as a lead writer for Nerdwallet. Katherine has also freelanced for CNN Underscored, Forbes Advisor, Wall Street Journal Buy Side, Bankrate, CreditCards.com, the Dallas Morning News, LendingTree, Upgraded Points, Fortune Recommends, Newsweek, and Slickdeals Money. Her work has been syndicated by Nasdaq, MSN and Yahoo. ExperienceKatherine has published more than 1,800 articles, guides, and reviews covering credit card benefits and rewards, small business finances, points and miles travel, loyalty programs, and real estate investing. Katherine has been a speaker at TravelCon, and has been featured on multiple podcasts including NPR Life Kit, Expedia’s Out Travel the System, and The Points Guy’s Miles Away. In her spare time, Katherine moonlights as a photojournalist covering Formula 1, Austin City Limits, and SXSW for the Austin American-Statesman and other media outlets. When she’s not jetsetting around the world, you’ll likely find her in Austin cooking up a batch of spicy Chinese food.ExpertiseKatherine’s expertise encompasses:
- Small business finances
- Credit cards
- Points and miles travel
- Travel insurance
- Real estate investing
Katherine’s interest in personal finance runs parallel to her passions for real estate investing and award travel. Despite a salary of just $28,000 a year from her first full-time job, Katherine built an excellent credit score of 805 from scratch through hard work [and privilege], which allowed her to purchase her first home six years after graduating college. She’s since added five more doors to her real estate portfolio, although she plans to retire on her index fund investments.Thanks to credit card travel rewards, Katherine has flown well over one million miles visiting 44 countries across all seven continents. She’s sailed with orcas in Antarctica, flown home in first class from Japan, photographed a wedding at Hobbiton in New Zealand, and gone on safari in South Africa. But her most meaningful trips always bring her home to loved ones in Taiwan. EducationKatherine holds dual degrees in photojournalism and Asian American studies from the University of Texas at Austin, and a certificate in business Chinese proficiency from National Taiwan University. She began her professional career in tech as a software sales executive for seven years before returning to her media roots.
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