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12 cards ranked

Best credit card to use at Patagonia.

Department StoreOnline Shopping

Patagonia is a privately held outdoor and performance apparel brand owned by the Holdfast Collective, with about 40 U.S. retail stores plus a strong DTC business at patagonia.com. Direct purchases typically code as department store in person and online shopping for web orders, while the Worn Wear resale platform issues store credit for trade-ins. Patagonia does not offer a U.S. branded credit card, so most shoppers rely on a strong online or everyday multiplier for full-price gear.

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

  1. #1
    U.S. Bank
    5% on department stores if you select it as a bonus category (up to $2,000/quarter, then 1%)
    Choose 2 categories each quarter, up to $2,000 combined
    5%
  2. #2
    American Express
    3% on online shopping (up to $6,000/year, then 1%)
    U.S. online retail purchases
    3%
  3. #3
    American Express
    4x points on online shopping
    U.S. online retail purchases
    2.0%4x points
  4. #4
    Robinhood
    3% flat-rate cashback
    3%
  5. #5
    American Express
    2% flat-rate cashback
    2%
  6. #6
    Citi
    2% flat-rate cashback
    1% when you buy, 1% when you pay
    2%
  7. #7
    First Electronic Bank
    2% flat-rate cashback
    Up to 4% with higher crypto balances on Coinbase; requires Coinbase One membership
    2%
  8. #8
    Elan Financial Services
    2% flat-rate cashback
    When deposited into an eligible Fidelity account
    2%
  9. #9
    American Express
    2% flat-rate cashback
    Unlimited 2% cash back on eligible purchases
    2%
  10. #10
    U.S. Bank
    2% flat-rate cashback
    2%
  11. #11
    Wells Fargo
    2% flat-rate cashback
    2%
  12. #12
    Wells Fargo
    2% flat-rate cashback
    2%

Last updated May 17, 2026