Best credit card to use at Carvana.

Picks without a tag earn at Carvana both in-store and online. Watch for theOnline onlytag — those bonuses only apply on carvana.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%

Carvana down payments work well for clearing signup bonus minimums on cards like the Capital One Venture X or the Citi Strata Premier. Cards with selectable online shopping categories generally do not capture Carvana transactions because of the vehicle dealer MCC, so flat-rate earners like the Citi Double Cash often produce the most predictable rewards.

Last updated May 17, 2026