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Best Credit Cards for Black Friday and Cyber Monday 2019

Best Credit Cards for Black Friday and Cyber Monday 2019

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Oct 02, 2019. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

It’s that time of year again when your inbox floods with announcements for in-store holiday deals and online sales, preparing you for some of the biggest shopping days of the year – Black Friday and Cyber Monday. The three-week period between Thanksgiving and Dec. 15 is the most popular time for holiday shopping, according to CompareCards.com’s 2018 Early Holiday Shopping survey.

While this time of year is known for fantastic discounts and door-buster deals, you can still rack up high expenses. Our survey found that 37% of credit card holders anticipated spending more than the previous year.

However much you spend on Black Friday and Cyber Monday, using a credit card to make your purchases can earn you rewards or even give you access to special financing.

We’ve rounded up the best credit cards to use to earn cash back and rewards on your holiday shopping at Amazon, department stores, wholesale clubs and more, as well as cards that can help you finance purchases over time interest-free.

In this post:

Best for Amazon: Amazon Prime Rewards Visa Signature Card

Amazon.com has a seemingly endless selection of products, making it a great destination for your Black Friday and Cyber Monday shopping. The Amazon Prime Rewards Visa Signature Card lets you earn 5% back at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations and drugstores, 1% back on all other purchases.

While this card has a $0 annual fee, it does require a Prime membership, costing $119 for the standard annual plan and $59 for the student annual plan. That said, the new cardmember bonus, which gives you a $70 Amazon.com Gift Card instantly upon credit card approval, can help offset the Prime membership fee.

Amazon also offers is a version of this card that doesn’t require a Prime membership. The Amazon Rewards Visa Signature Card lets cardholders earn 3% back at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations and drugstores, 1% back on all other purchases.

Overall, the Amazon Prime Rewards Visa Signature Card is a no-brainer for Prime members, since it offers a higher rewards rate on Amazon.com purchases and comes with a $0 annual card fee.

The information related to the Amazon Prime Rewards Visa Signature Card and the Amazon Rewards Visa Signature Card has been collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication.

Runner-up: Discover it® Cash Back

  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically*

  • Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*

  • Any amount, any time. Cash back rewards never expire*

Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • See Rates & Fees

See additional details for Discover it® Cash Back

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The Discover it® Cash Back offers 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate, 1% unlimited cash back on all other purchases - automatically. During the fourth quarter of 2019, cardholders can earn the bonus rate at Amazon.com, Target and Walmart.com — just in time for holiday shopping.

If you max out the spend threshold by charging $1,500 with those merchants during the months of October, November and December, you’ll earn $75 cash back at the end of the year. Be sure to activate to earn the 5% cash back up to the quarterly maximum.

See the Discover 2019 cash back calendar here.

Best for department stores: Chase Freedom®

  • Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.

  • 0% Intro APR on purchases and balance transfers for 15 months

  • 16.74% - 25.49% Variable

Highlights
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit JourneySM

See additional details for Chase Freedom®

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Similar to the Discover it® Cash Back, the Chase Freedom® card offers bonus cash back in categories that rotate quarterly. Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories every 3 months. Unlimited 1% cash back on all other purchases.

From October through December 2019, Chase Freedom® cardholders can earn the higher bonus rate at department stores and on purchases made using PayPal and Chase Pay. If you max out the $1,500 spend cap by purchasing holiday gifts from department stores during the fourth quarter of 2019, you’ll earn $75 back.

See which department stores are eligible for the 5% bonus:

  • AliExpress
  • Bealls Florida
  • Belk
  • Bergdorf Goodman
  • Bergners
  • Bloomingdale’s
  • Boscov’s Department Store
  • Boston Store
  • Dillard’s
  • Goody’s
  • Gordmans
  • JCPenney
  • Kohl’s
  • Lord + Taylor
  • Macy’s
  • Neiman Marcus
  • Nordstrom, Nordstrom Rack
  • Peebles Department Store
  • Saks Fifth Ave, Saks Off 5th
  • Sears
  • Stage Stores
  • Stein Mart
  • Bon-Ton
  • Von Maur
  • Younkers

View the Chase Freedom 2019 cash back calendar here.

Best for general shopping: Citi® Double Cash Card – 18 month BT offer

  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay.

  • 0% for 18 months on Balance Transfers

  • 15.74%– 25.74% (Variable)

Highlights
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74%– 25.74% based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.74%– 25.74% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

See additional details for Citi® Double Cash Card – 18 month BT offer

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If you plan to take advantage of Black Friday and Cyber Monday sales at a variety of stores, you could consider a flat-rate cashback card that earns the same amount of cash back regardless of where you shop.

The Citi® Double Cash Card – 18 month BT offer is our top choice for a flat-rate cashback card, since you earn 2% cash back on purchases: 1% when you buy plus 1% as you pay. Plus, there are no spending caps or bonus categories to keep track of.

If you have other credit cards that offer bonus rewards in specific categories, you can use those cards on those purchases, and the Citi® Double Cash Card – 18 month BT offer on everything else.

Best for wholesale clubs: Costco Anywhere Visa® Card by Citi or Sam's Club® Mastercard®

In addition to offering discounts on TVs and other electronics, wholesale clubs are a great place to stock up on items for entertaining guests during the holiday season. Major wholesale clubs like Costco and Sam’s Club offer their own co-branded credit cards for members to use and earn rewards.

The Costco Anywhere Visa® Card by Citi, for example, offers 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter, 3% on restaurants & travel, 2% at Costco & Costco.com, 1% on all other purchases.

  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter & 3% cash back on restaurants and eligible travel purchases

  • 0% fee for transactions while traveling abroad

  • $0* annual fee

Highlights
  • Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership* and enjoy no foreign transaction fees on purchases*
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
  • The standard variable APR for Citi Flex Plan is 16.99%. Citi Flex Plan offers are made available at Citi's discretion.

See additional details for Costco Anywhere Visa® Card by Citi

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The Sam's Club® Mastercard®, on the other hand, offers 5% cash back on gas (on first $6,000 per year in purchases, then 1%), 3% on dining and travel, and 1% on other purchases (maximum of $5,000 in cash back rewards in a calendar year).

Neither of these cards charge an annual fee, but you will be required to purchase a membership to the wholesale club.

The information related to the Sam's Club® Mastercard® has been collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best for supermarkets: Blue Cash Preferred® Card from American Express or Blue Cash Everyday® Card from American Express

If you plan to host guests over the Thanksgiving holiday this year, you may want to consider a credit card that offers a generous amount of cash back on groceries. The Blue Cash Preferred® Card from American Express provides the highest rewards rate on U.S. supermarket spending with NEW 6% Cash Back on select U.S. streaming subscriptions & 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more. But keep in mind that the card comes with a $95 annual fee.

  • $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.*

  • NEW 6% Cash Back on select U.S. streaming subscriptions & 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.

  • 1% back on other purchases*

Highlights
  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • NEW 6% Cash Back on select U.S. streaming subscriptions.
  • NEW 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees

See additional details for Blue Cash Preferred® Card from American Express

More Info


There is a $0-annual-fee version of the card — the Blue Cash Everyday® Card from American Express. However, the card offers half the cash back rate on U.S. supermarket purchases with 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% cash back at U.S. gas stations and at select U.S. department stores. 1% cash back on other purchases. Note, because superstores and warehouse clubs are not considered U.S. supermarkets, those purchases will earn the 1% cashback rate.

The information related to the Blue Cash Everyday® Card from American Express has been collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

Cards with the best 0% intro offers on purchases

Holiday shopping can get expensive, and many people fall into debt as a result going over budget for everyone on their list. The best way to avoid debt, including incurring high interest charges on revolving balances, is to pay your credit card balance in full each month. However, you can avoid interest charges for a certain period of time by using a credit card that offers a 0% introductory period for new purchases. These cards can help you finance new purchases interest-free for as long as 18 months.

For example, the Wells Fargo Platinum card offers an introductory APR on purchases of 0% for 18 months, then a purchase APR of 17.24%-26.74% (Variable).

  • 0% for 18 months on purchases and qualifying balance transfers*

  • Enjoy $0 Annual Fee

  • 17.24%-26.74% (Variable)*

Highlights
  • Apply and take control of your credit health with Wells Fargo's longest intro APR
  • $0 Annual Fee
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card
  • Easy access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • See Rates & Fees

See additional details for Wells Fargo Platinum card

More Info


About two months before your 0% intro period ends, you should check to see if you’re on track to pay off your debt before the end of the intro period. If you are, great — you’re all set!

But, if you still have lingering debt that you don’t think will be paid off in full before the end of the intro period, you should consider a balance transfer credit card. A balance transfer is when you transfer debt from one card to another card offering a 0% intro period for balance transfers. This can provide you with more time to pay off your debt. For example, the Citi Simplicity® Card - No Late Fees Ever offers an introductory APR of  0%* for 21 months on Balance Transfers*, then a regular APR of 16.49% - 26.49%* (Variable).

  • 0%* for 12 months on Purchases*

  • 0%* for 21 months on Balance Transfers*

  • 16.49% - 26.49%* (Variable)

Highlights
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.49% - 26.49%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.49% - 26.49%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day – just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

See additional details for Citi Simplicity® Card - No Late Fees Ever

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Keep in mind that balances can’t be transferred between cards from the same bank and you may incur a balance transfer fee — but the fee will most likely be minor compared to the amount you’ll save on interest. There are, however, cards available with no balance transfer fees.

The bottom line

If you want to get a jump-start on holiday shopping, Black Friday and Cyber Monday are great times to do so. In addition to purchasing gifts on sale, you can often buy electronics, clothing and many other items at deeply-discounted prices. By signing up for the right credit card, you can also receive cash back those purchases – which can help further offset the prices.


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