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Prime Day 2025: How to Stack Up to 40% Off Using Credit Card Points
July 1, 2025
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Amazon's Prime Big Deal Days are October 7-8, 2025, and you can stack massive discounts by using your credit card rewards points at checkout. Here's how to maximize your savings this Prime Day with targeted offers from American Express and Discover.
The Prime Day Points Stacking Play
Right now, through December 29, 2025, Amazon is running two separate promotions that let you use credit card points for significant discounts:
American Express Membership Rewards: Up to 40% Off ($60 Max)
American Express cardholders are seeing targeted offers for 40% off purchases when using at least 714 Membership Rewards points (equivalent to $5). The maximum discount varies by account:
- Prime members: Most commonly see 40% off with $60 max discount
- Non-Prime members: Typically see 15% off with $15 max discount
Major improvement this round: You can now buy items sold by third-party sellers as long as they're shipped by Amazon, making this offer much easier to use.
Note: This promotion no longer works on gift cards, but applies to a much wider range of products.
Discover Cashback Bonus: Up to 40% Off ($50 Max)
Discover cardholders can save by using just 1 Discover point at checkout. People are reporting different offers. Here’s what we’ve seen:
- 40% off with $50 max discount
- 30% off with $30 max discount
- $10 off purchases of $75+
Bonus: This stacks with Discover's Q4 2025 5% cashback category for Amazon purchases, effectively giving you 45%+ in total savings.
How to Activate These Prime Day Deals
For American Express Cardholders:
- Visit the Shop With Points offer page
- Look for your targeted discount amount
- Link your American Express card if you haven't already
- At checkout, select "Use Membership Rewards Points" and use at least 714 points ($5)
- Your discount will automatically apply
For Discover Cardholders:
- Check the Discover Shop With Points page
- Activate your offer
- At checkout, select "Use Cashback Bonus" and use at least 1 point
- Your discount applies immediately
Prime Day Shopping Strategies to Maximize Savings
Start with high-ticket items: If you have the 40% off/$60 max offer, target purchases around $150 to hit the maximum discount.
Check multiple accounts: Different accounts often receive different offer amounts. Prime accounts typically see better discounts.
Read the fine print carefully:
- American Express offers now work on third-party items (if shipped by Amazon)
- Discover offers only work on items sold by Amazon.com (not third-party sellers)
- Neither offer works on Amazon gift cards anymore, sadly
Split into multiple orders if needed: Some users report success using these promotions across multiple transactions, though terms suggest one use per account.
What to Buy During Prime Day With These Offers
The best strategy is to purchase items you were already planning to buy. Popular categories include:
- Electronics and gadgets
- Home essentials and household items
- Seasonal items (holiday shopping starts now!)
- Higher-priced items to maximize the percentage discount
Which Cards Are Eligible?
American Express Cards That Earn Membership Rewards:
[[ SINGLE_CARD * {"id": "106", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Frequent Travelers", "headerHint": "Serious Points on Flights"} ]]
[[ SINGLE_CARD * {"id": "118", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Frequent Travelers", "headerHint": "Generous Travel Rewards"} ]]
[[ SINGLE_CARD * {"id": "11105", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Membership Rewards Points Earners", "headerHint": "3x on Transit Purchases"} ]]
- The Business Platinum Card® from American Express, American Express® Business Gold Card, and Business Green Rewards Card from American Express cards
[[ SINGLE_CARD * {"id": "2290", "isExpanded": "true", "bestForCategoryId": "52", "bestForText": "Business Owners", "headerHint" : "Premium Offer" } ]]
[[ SINGLE_CARD * {"id": "111", "isExpanded": "true", "bestForCategoryId": "52", "bestForText": "Business Owners", "headerHint" : "Versatile Business Tool" } ]]
[[ SINGLE_CARD * {"id": "372", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Frequent Travelers", "headerHint": "2x at Amex Travel Portal"} ]]
[[ SINGLE_CARD * {"id": "2286", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Frequent Travelers", "headerHint": "3x at Amex Travel Portal"} ]]
[[ SINGLE_CARD * {"id": "2287", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Frequent Travelers", "headerHint": "3x on Purchases at U.S. Supermarkets"} ]]
Discover Cards:
- Discover it® cards (Discover It Cash Back Credit Card and Discover It® Student Cash Back)
[[ SINGLE_CARD * {"id": "821", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Cash Back Seekers", "headerHint": "0 Annual Fee"} ]]
[[ SINGLE_CARD * {"id": "830", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Students", "headerHint": "Quarterly Rotating Categories"} ]]
[[ SINGLE_CARD * {"id": "826", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Frequent Travelers", "headerHint": "No Annual Fee"} ]]
[[ SINGLE_CARD * {"id": "2487", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Cash Back Seekers", "headerHint": "No Annual Fee"} ]]
- Most Discover cashback cards
You can see all your linked cards at Amazon's Your Account Credit Cards page.
The Bottom Line on Prime Day Points Deals
These Amazon promotions turn your credit card points into significant Prime Day discounts. With up to 40-45% in total savings possible (especially when stacking Discover's 5% category), this is one of the best opportunities of the year to maximize your credit card rewards.
Pro tip: Not targeted for an offer? Some users report that linking a new card to their Amazon account or checking back daily helps trigger these promotions, though success varies. These offers expire December 29, 2025, giving you plenty of time beyond Prime Big Deal Days to use them for holiday shopping.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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