Top 5 Credit Cards To Maximize Your Amazon Prime Big Deal Days In October 2024

Amazon.com is known for its annual Prime Day sale, offering discounts on everything from tech, fashion, kitchen items and more. This year, Amazon Prime Day fell on July 16 and July 17. However, Amazon is launching another Prime-exclusive sale with a “Big Deal Days” event on October 8 and 9. Since Amazon is headquartered on the West Coast, the sale runs from 12 a.m. Pacific time on October 8 and ends at 11:59 p.m. Pacific time on October 9.

You can preview some deals on the Prime Day website and select to be notified five minutes before specific deals go live. This is useful for lightning deals, which offer a select number of discounts for a short period of time.

Prime Visa

The Prime Visa is the obvious choice to use on Prime Big Deal Days to maximize your rewards. It earns an unlimited 5% cash back on Amazon purchases, allowing you to save even more money when securing deals. Your cash-back rewards are earned as points redeemable as soon as the next day when checking out at Amazon.com.

There’s no annual fee, but you do have to be a Prime subscriber to be eligible for the card. Current Prime memberships cost $14.99 per month or $139 per year. If you’re already an avid Amazon shopper with a Prime membership, adding the Prime Visa to your wallet could make a lot of sense.

If you are interested in applying for the Prime Visa ahead of Prime Day, you can take advantage of the welcome bonus, which allows you to earn a $100 Amazon gift card upon approval with an eligible Prime membership.

As a cardholder, you can enjoy purchase protection for 120 days against damage or theft, up to $500 per claim and $50,000 per account, plus extend eligible manufacturers warranties of three years or less by an additional year. The Prime Visa is an excellent choice for anyone looking to maximize their Amazon Prime Day deals.

U.S. Bank Shopper Cash Rewards® Visa Signature® Card

With the U.S. Bank Shopper Cash Rewards® Visa Signature® Card, you can earn $250 after spending $2,000 in eligible purchases within the first 120 days of account opening plus 6% cash back on your first $1,500 in combined purchases each quarter at two retailers that you choose, with Amazon.com being one of the options. Although the spending cap for bonus points is relatively low, this is still a fantastic card to use when shopping with Amazon.

This card is especially ideal for someone who might not shop at Amazon or Whole Foods regularly enough to justify having a branded Prime Visa. With many other retailers available for bonus cash back, including Apple, Williams Sonoma and Target, it’s a versatile card that can be used year-round. You can redeem your rewards as a statement credit, gift card or as a direct deposit into your U.S. Bank checking or savings account.

If you don’t plan on exceeding the bonus spending limit, this is a top option for earning cash back.

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express (terms apply) is a popular option for Amazon purchases because it earns 3% cash back (in the form of Reward Dollars) on U.S. online retail purchases, for up to $6,000 spent each year. The best part for Prime Big Deal Days—you can redeem your cash back at checkout to cover part or all of your purchases at Amazon. New cardholders can take advantage of the generous welcome offer: Earn a $200 statement credit after spending $2,000 on purchases within the first 6 months and a 0% intro APR for 15 months on purchases and on balance transfers requested within 60 days of account opening, followed by a variable APR of 18.24% to 29.24%. A balance transfer fee of $5 or 3%, whichever is greater, applies. So, if you’re making a big Prime Day purchase, you have some breathing room to pay it off before worrying about accruing interest.

In addition, the Blue Cash Everyday® Card from American Express comes with purchase protection¹, which covers accidental damage and theft for 90 days from the date of purchase. So, you can be confident that new purchases will be protected for the first couple of months. On top of online retail benefits, cardholders receive $7 back each month after spending $9.99 or more on a subscription to the Disney Bundle (enrollment required) and up to $15 back per month after paying for a Home Chef subscription (enrollment required). For a no annual fee card, the benefits make it a competitive option for Amazon Prime Day.

Bank of America® Customized Cash Rewards credit card

If you’re looking for flexibility in earnings, the Bank of America® Customized Cash Rewards credit card is an attractive option. You can earn 3% cash back in the eligible category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases. A bonus category you can choose from is online shopping (including Amazon), although you’re not locked into retail purchases all year round. You could use the Customized Cash Rewards exclusively at Amazon and earn 3% cash back on your purchases for Prime Big Deal Days and choose a different category in future quarters as your spending patterns change.

The card also comes with a welcome offer of a $200 online cash rewards bonus after spending $1,000 in purchases in the first 90 days of account opening and you can redeem your cash back as a statement credit or as a deposit into a Bank of America checking or savings account. If you already have a checking account with Bank of America, the Customized Cash Rewards card could be a solid option for Prime Day.

Wells Fargo Active Cash® Card

Although it might not earn the most cash back of any card on this list, the Wells Fargo Active Cash® Card is still a strong contender to use on Prime Day. First, it offers an incredibly generous welcome offer of a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. Plus it earns an unlimited 2% cash rewards on purchases, which is excellent if you are concerned about spending caps for bonus cash back. It’s straightforward to use—you don’t need to worry about quarterly activations or tracking bonus categories.

You can redeem your cash rewards as a statement credit, cash at an ATM or for gift cards. It also offers an extended 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers, then a 19.24%, 24.24%, or 29.24% variable APR applies. Balance transfers made within 120 days qualify for the intro rate and fee of 3% (min. $5) then a fee of up to 5% (min. $5) applies, perfect for paying off your Prime Day purchases over time.

If you’re looking for Amazon Prime Day cash back, these five credit cards are your best options. From elevated cash back to purchase protection and extended warranty, you can rest assured knowing you’re saving as much as possible on your purchases. Keep an eye on any deals you’re interested in—they can sell out quickly. If you see something you like, pull out your credit card and put it to work.

¹When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.