During Prime Day, special payment methods offer extra cash back and rewards to maximize savings. Notably, Amazon's Prime Visa card is one of the primary payment options that provide significant extra cash back during Prime Day and related sales events. With an active Amazon Prime membership, this card offers 5% unlimited cash back on purchases made directly on Amazon, as well as on Amazon Fresh and Whole Foods Market. The 5% cash back benefit applies year-round and is a key incentive for Prime members during Prime Day shopping.
Beyond the 5% base cash back rate, Amazon Prime Visa cardholders frequently receive targeted promotions and enhanced cash back offers on a rotating selection of items during Prime Day. Some items may qualify for 10% or more cash back opportunities, though these require specific eligibility and are often limited-time offers during the event.
Prime Visa cardholders also benefit from a one-time bonus prior to or during Prime Day events, where Amazon offers a $150 Amazon gift card instantly after approval and application for the card, which can be used to make purchases during Prime Day itself, enhancing immediate savings.
In addition to the Prime Visa, Discover it® Cash Back cardholders can earn 5% cash back on Amazon purchases during the quarter when Amazon is designated as a rotating bonus category. This 5% cash back applies up to a quarterly spending limit (such as $1,500), which can translate to substantial savings for heavy Amazon shoppers during Prime Day.
Another strategy for maximizing cash back on Prime Day is using a credit card that rewards purchases at online retailers or supermarkets where Amazon gift cards can be bought. For example, American Express cards like the Blue Everyday® card offer 3% cash back at U.S. supermarkets, which can include gift card purchases, thereby allowing shoppers to gain cash back indirectly by buying gift cards in advance and then using those gift cards on Amazon for Prime Day purchases.
Some Amazon Prime cardholders report receiving 6% cash back on certain items purchased with the Prime Visa. This occurs when selecting slower shipping options on eligible items, which grants an additional 1% extra cash back on top of the standard 5% return, effectively boosting the total cash back to 6% on those purchases. However, this tactic applies selectively and is typically limited to specific products and shipping choices. Awareness of these nuances helps shoppers maximize cash back on Prime Day purchases with the Prime Visa.
Cash back strategies for Prime Day extend beyond just using cards with direct Amazon cashback rewards. Many shoppers also look for shopping portals and digital coupon offers that stack with their card rewards. For example, using cash back websites or browser extensions that provide extra rebates on Amazon transactions can increase overall cash back by 2x or 3x multipliers on top of the base credit card cash back rewards.
Additional card benefits for Prime members include earning 2% back at restaurants, gas stations, and on local transit with the Prime Visa card, which can enhance savings beyond Amazon purchases during the Prime Day event. This comprehensive suite of rewards makes the Prime Visa a highly recommended card for both everyday spending and Amazon Prime Day shopping.
In summary, the best payment methods for securing extra cash back on Prime Day revolve around:
- Amazon Prime Visa card: Offers unlimited 5% cash back on Amazon, Amazon Fresh, and Whole Foods with potential for up to 10% or more on select items during Prime Day plus a $150 gift card bonus upon approval.
- Discover it® Cash Back: Provides 5% cash back during quarters when Amazon is a rotating category, capped at a spending limit.
- American Express Blue Everyday® and other cards that reward supermarket or online gift card purchases, allowing stacking with Amazon gift card purchases.
- Selecting slower shipping options on Prime Visa eligible items to gain up to 6% cash back on certain products.
- Using shopping portals or coupon stacking for extra cash back on Amazon payments.