What is the best credit card at Newegg?

Max Cash Preferred Card earns the most at Newegg right now at 5%.

How does SwipeCaddy pick the best card at Newegg?

We rank each card by its reward rate times a conservative cash value of its points or miles — no inflated transfer valuations — and apply Newegg's card-acceptance rules, so the "best" card is one you can actually use at the register.

Does the Newegg Store Credit Card win at Newegg?

Not at the top. A Max Cash Preferred Card with electronics selected as one of its two 5% categories pays 5% against the store card's 4%, on the first $2,000 of combined category spend each quarter. But it's issued only through partner banks and credit unions, so plenty of wallets simply can't get it — and against the flat-2% cards, the store card's 4% instant discount still wins.

What should I use at Newegg if I can't get the Max Cash Preferred Card?

The Newegg Store Credit Card's 4% instant discount is the next-best rate, as long as you take the discount rather than the deferred-interest financing and pay the statement in full. Without the store card, any of the flat-2% cards — Citi Double Cash, Wells Fargo Active Cash, Fidelity, or Apple Card via the wallet — is the sensible default.

Best credit cards at Newegg

In store

1
#15%
Max Cash Preferred Card
Elan Financial Services · Visa · No annual fee · Choose this category · up to $2,000/qtr (combined)
5%
2
#25%
U.S. Bank Cash+ Visa Signature Card
U.S. Bank · Visa · No annual fee · Choose this category
5%
3
#34%
Newegg Store Credit Card
Synchrony · Store card · No annual fee
4%
4
#43x
Huntington Voice Rewards Credit Card
Huntington · Mastercard · No annual fee · Choose this category · up to $2,000/qtr (combined)
3x
5
#53x
Robinhood Gold Card
Coastal Community Bank · Visa · No annual fee
3x
6
#62x
The Business Platinum Card from American Express
American Express · Amex · Business · $895/yr · up to $2,000,000/yr (combined) · Lower rate after the cap
2x
7
#72%
Apple Card
Goldman Sachs · Mastercard · No annual fee · Pay with the mobile wallet
2%
8
#82%
Blue Business Cash Card from American Express
American Express · Amex · Business · No annual fee · up to $50,000/yr
2%
9
#92x
The Blue Business Plus Credit Card from American Express
American Express · Amex · Business · No annual fee · up to $50,000/yr
2x
10
#102%
Citi Double Cash Card
Citi · Mastercard · No annual fee
2%

Online

Good to know at Newegg

Newegg sells online only, so this is a web-checkout decision — no terminals, no tap-to-pay, just whichever card you enter at checkout. The ranking comes with a twist: the store's own card doesn't win. The Max Cash Preferred Card pays 5% at electronics stores, but only if electronics is one of the two 5% categories you picked from its list of nine, and only on the first $2,000 of combined quarterly spend across both picks — a bucket a single GPU-and-monitor order can drain, after which the rate drops to 1%. The Newegg Store Credit Card sits second at 4%, taken as an instant discount at checkout rather than points you redeem later.

The fine print cuts both ways, and the top card's biggest catch isn't its cap. The Max Cash Preferred Card is distributed only through partner banks and credit unions — there is no national application — so whether you can carry it depends on where you already bank, and the 5% in our ranking assumes you actually made the category selection. The store card's 4% has its own asterisks: on every purchase it's an either/or with Newegg's deferred-interest financing — 6 months on purchases of $199 or more, 12 months at $499 or more — you pick the discount or the financing, never both. The 4% also skips gift cards, warranties, taxes, and shipping. And that financing is deferred interest, not 0% APR: fail to clear the balance by the deadline and interest lands from the purchase date, at a 34.99% purchase APR for new accounts.

If you can't get the Max Cash Preferred Card and don't hold the store card, the fallback is the flat-2% pack: Citi Double Cash, Wells Fargo Active Cash, Fidelity's 2% card, and the Apple Card paid through the wallet all cluster there. The Business Platinum Card from American Express earns 2x at Newegg for business accounts, but with a $695 annual fee and a cap on the bonus, it only makes sense if you already hold it for other reasons. The honest summary: 5% if your Max Cash Preferred is in hand, set to electronics, and under its quarterly cap; 4% from the store card taken as the discount; and 2% from everything else worth carrying.

The math

Spend $100 a month at Newegg and Max Cash Preferred Card returns about $60 a year at our valuations — a flat 2% card returns $24.

Common questions

What is the best credit card at Newegg?: Max Cash Preferred Card earns the most at Newegg right now at 5%.
How does SwipeCaddy pick the best card at Newegg?: We rank each card by its reward rate times a conservative cash value of its points or miles — no inflated transfer valuations — and apply Newegg's card-acceptance rules, so the "best" card is one you can actually use at the register.
Does the Newegg Store Credit Card win at Newegg?: Not at the top. A Max Cash Preferred Card with electronics selected as one of its two 5% categories pays 5% against the store card's 4%, on the first $2,000 of combined category spend each quarter. But it's issued only through partner banks and credit unions, so plenty of wallets simply can't get it — and against the flat-2% cards, the store card's 4% instant discount still wins.
What should I use at Newegg if I can't get the Max Cash Preferred Card?: The Newegg Store Credit Card's 4% instant discount is the next-best rate, as long as you take the discount rather than the deferred-interest financing and pay the statement in full. Without the store card, any of the flat-2% cards — Citi Double Cash, Wells Fargo Active Cash, Fidelity, or Apple Card via the wallet — is the sensible default.