Best credit cards for Black Friday deals: save up to 5% more

The right card can turn the best Black Friday deals into even better ones. Some add 5% back or off on top of the sale price.

We compared 4 cards for the best stores for Black Friday: Best Buy, Target, Walmart and Amazon.

Which card matches which deal?

• Smart TVs: My Best Buy Credit Card or OnePay CashRewards Mastercard
• Apple AirPods: Target Circle Card or Prime Visa
• Nintendo Switch 2: OnePay CashRewards Mastercard or Target Circle Card
• Kitchen appliances: Target Circle Card or Prime Visa

1. My Best Buy Credit Card

Issued by Citi, the Best Buy credit card is built for tech lovers. You pick rewards or flexible financing on each purchase.

New cardholders get 10% back in rewards on their first day of purchases at Best Buy.

Key details

• Card network: store card (Best Buy only) or My Best Buy Visa (anywhere Visa is accepted)
• Annual fee: $0 to $59, depending on creditworthiness
• Rewards: 5% back in rewards at Best Buy (6% for My Best Buy Plus and Total members)
• Visa rewards outside Best Buy: 3% on gas; 2% on groceries, dining and takeout; 1% on everything else
• Financing: 12, 18 or 24 month plans on eligible purchases (instead of rewards)
• APR: Variable, based on creditworthiness

Pros and cons

• Pro (flexible financing): spread a big TV or laptop purchase over up to 24 months.
• Pro (welcome offer): 10% back on your first day of purchases.
• Con (rewards or financing, not both): financed purchases don’t earn the 5% back.
• Con (deferred interest): some plans charge back interest if you don’t pay in full before the promo ends.

2. Target Circle Card

The Target Circle Card takes 5% off most Target purchases right at checkout, in store or on Target.com.

The discount stacks with Target Circle deals. It’s an easy win on AirPods, toys and kitchen gadgets.

Key details

• Card versions: Target Circle Credit Card (Target only), Target Circle Mastercard (anywhere) or Target Circle Debit Card
• Issuer: TD Bank (credit versions)
• Annual fee: $0
• Savings: 5% off eligible purchases at Target and Target.com
• Mastercard rewards outside Target: 2% on dining and gas; 1% on everything else
• APR: Variable, based on creditworthiness

Pros and cons

• Pro (instant savings): the 5% shows up on your receipt, no points to redeem.
• Pro (shopping perks): free shipping on most Target.com items and 30 extra days for returns.
• Con (exclusions): gift cards, prescriptions and some memberships don’t get the 5% off.
• Con (store-focused): the basic credit version only works at Target.

3. OnePay CashRewards Mastercard (Walmart credit card)

This is Walmart’s own cash back credit card, issued by Synchrony Bank. It works anywhere Mastercard is accepted.

Walmart+ members earn 5% back at Walmart, one of the best rates for TVs and console bundles.

Key details

• Card network: Mastercard
• Annual fee: $0
• Rewards: 5% back at Walmart with a linked Walmart+ membership; 3% without it; 1.5% everywhere else
• Foreign transaction fee: None
• APR: Variable purchase APR of 20.24% or 30.74%, based on creditworthiness (new accounts as of May 1, 2026)
• If not approved: you may be offered the OnePay Walmart Spend Card, which works only at Walmart

Pros and cons

• Pro (strong flat rate): 1.5% back outside Walmart beats most store cards.
• Pro (no annual fee): all the rewards stay in your pocket.
• Con (Walmart+ for 5%): without the membership, you earn 3% at Walmart.
• Con (high APR tier): some cardholders get the 30.74% APR, so avoid carrying a balance.

4. Prime Visa

Issued by Chase, the Prime Visa is the go-to card for Prime members. It pays 5% back on Amazon.com and Whole Foods Market.

Rewards can be used at Amazon checkout as soon as the next day. That’s perfect for last-minute deals.

Key details

• Card network: Visa (Visa Signature)
• Annual fee: $0 (an active Amazon Prime membership is required)
• Rewards: 5% back at Amazon.com, Whole Foods Market and Chase Travel; 2% at gas stations, restaurants and local transit; 1% on everything else
• Foreign transaction fee: None
• APR: Variable, based on creditworthiness
• Recommended credit: Good to excellent

Pros and cons

• Pro (big rewards at Amazon): 5% back with no cap on Black Friday orders.
• Pro (purchase protection): Visa Signature benefits cover eligible purchases, a plus for electronics.
• Con (Prime required): without Prime, the Amazon Visa pays only 3% at Amazon.
• Con (limited elsewhere): 1% on most purchases outside Amazon.

What you’ll need to apply

• Full legal name and date of birth
• Social Security number (SSN)
• U.S. home address
• Annual income and housing payment
• Email address and phone number

How to apply step by step

1. Choose the card that matches where you’ll shop on Black Friday.
2. Click the button and go to the issuer’s official application page.
3. Fill in your personal and financial information.
4. Review the terms, rates and fees, then submit your application.
5. Wait for the decision. Many applicants get an answer in minutes.
6. Once approved, add your card to your digital wallet and start shopping.