Amazon October Prime Day: How to earn up to 10% back on your Amazon shopping

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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.

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.