Best credit card to use at CarMax.

Picks without a tag earn at CarMax both in-store and online. Watch for theOnline onlytag — those bonuses only apply on carmax.com.

1. #1
   
   Blue Cash EverydayOnline only

   American Express

   3% on online shopping (up to $6,000/year, then 1%)

   U.S. online retail purchases
   3%
2. #2
   
   Hilton Honors American Express SurpassOnline only

   American Express

   4x points on online shopping

   U.S. online retail purchases
   2.0%4x points
3. #3
   
   Robinhood Gold

   Robinhood

   3% flat-rate cashback
   3%
4. #4
   
   Blue Business Cash from American Express

   American Express

   2% flat-rate cashback
   2%
5. #5
   
   Citi Double Cash

   Citi

   2% flat-rate cashback

   1% when you buy, 1% when you pay
   2%
6. #6
   
   Coinbase One

   First Electronic Bank

   2% flat-rate cashback

   Up to 4% with higher crypto balances on Coinbase; requires Coinbase One membership
   2%
7. #7
   
   Fidelity Rewards Visa Signature

   Elan Financial Services

   2% flat-rate cashback

   When deposited into an eligible Fidelity account
   2%
8. #8
   
   Graphite Business Cash Unlimited

   American Express

   2% flat-rate cashback

   Unlimited 2% cash back on eligible purchases
   2%
9. #9
   
   Smartly Visa Signature

   U.S. Bank

   2% flat-rate cashback
   2%
10. #10
    
    Wells Fargo Active Cash

    Wells Fargo

    2% flat-rate cashback
    2%
11. #11
    
    Wells Fargo Signify Business Cash

    Wells Fargo

    2% flat-rate cashback
    2%

Down payments at CarMax are useful for clearing signup bonus minimums on cards like the Chase Sapphire Preferred or Amex Gold. Some cardholders also use CarMax for manufactured spend on Visa or Mastercard rewards cards. Service and parts visits at CarMax service centers code separately and may earn standard retail rates.

Last updated May 17, 2026