The Chase Freedom Flex is the best card for Nike Factory — it earns 5x and 5x on Amazon (Q2 2026) - Includes Amazon.com, digital downloads, Amazon Gift Cards, Amazon Fresh, Amazon Prime subscriptions, third-party marketplace sellers, and Whole Foods Market..
Updated March 2026
Best Credit Card for Nike Factory
Compare the top credit cards to maximize your rewards every time you shop at Nike Factory.
Nike Factory purchases typically code as retail or department stores. Store co-branded cards offer the highest earn rates at their specific retailer, while flexible rewards cards treat these as general spending. Cards with a broad online shopping bonus often perform best for purchases at Nike Factory.com.
How CardCurator ranks this merchant
These rankings use current earn rates, annual fee drag, reward value, and merchant-category fit. They are based on live card data, not a fixed sponsored list.
Top Pick
Chase Freedom Flex
5x on Amazon (Q2 2026) - Includes Amazon.com, digital downloads, Amazon Gift Cards, Amazon Fresh, Amazon Prime subscriptions, third-party marketplace sellers, and Whole Foods Market.
Note: This card has a combined $1,500 spending cap across ALL rotating categories this period. Earnings above this amount will be at the base rate. Remember to activate between 3/1/2026 - 6/14/2026.
Go broader than Nike Factory if you are still deciding by spending goal
This merchant page is best when you already care about Nike Factory. If you are still choosing the right card for all of your online shopping spend, use the category guide or the best-cards hub first.
More Good Options
Credit One Bank Cash BackCredit One Bank Best Friends Credit Card5%pts/dollar5.0%return5x on Pet Stores
More Info →
American Express Membership RewardsAmerican Express Graphite Business Cash Unlimited Card5%pts/dollar5.0%return5x on Flights & Prepaid Hotels (Amex Travel Online) (travel portal only)
More Info →
Rewards Calculator
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Quick summary
A short version of the recommendation with the main numbers and tradeoffs.
At Nike Factory, Chase Freedom Flex is currently our top overall pick at 5x, which works out to about 10.0% back based on CardCurator's current point valuations. 5x on Amazon (Q2 2026) - Includes Amazon.com, digital downloads, Amazon Gift Cards, Amazon Fresh, Amazon Prime subscriptions, third-party marketplace sellers, and Whole Foods Market. On $500/month of spend, the top card is worth about $600/year before signup bonuses or statement credits. Summary generated March 9, 2026. Source: https://cardcurator.ai/merchant/nike-factory
- Chase Freedom Flex: 5x and 10.0% effective return.
- At $500/month, that's about $600/year in rewards value before bonuses.
- Chase Freedom Flex is also the best no-annual-fee option.
- Methodology uses live earn rates, annual fees, and current point valuations.
Common Questions
What is the best credit card to use at Nike Factory?
The Chase Freedom Flex is currently the top pick at Nike Factory, earning 5x points per dollar — an effective 10.0% return. 5x on Amazon (Q2 2026) - Includes Amazon.com, digital downloads, Amazon Gift Cards, Amazon Fresh, Amazon Prime subscriptions, third-party marketplace sellers, and Whole Foods Market.
How many points do I earn at Nike Factory per dollar spent?
Top cards earn between 3x and 5x at Nike Factory. Leading options include: Chase Freedom Flex (5x), Prime Visa (5x), Credit One Bank Best Friends Credit Card (5x).
Does Nike Factory count as online shopping for credit card rewards?
Nike Factory typically falls under the Online Shopping category for credit card reward purposes. Cards with a online shopping spending bonus will earn an elevated rate here. Nike Factory purchases typically code as retail or department stores. Store co-branded cards offer the highest earn rates at their specific retailer, while flexible rewards cards treat these as general spending. Cards with a broad online shopping bonus often perform best for purchases at Nike Factory.com.
Is there a no-annual-fee card that earns well at Nike Factory?
Yes — the Chase Freedom Flex has no annual fee and earns 5x at Nike Factory (10.0% effective return). 5x on Amazon (Q2 2026) - Includes Amazon.com, digital downloads, Amazon Gift Cards, Amazon Fresh, Amazon Prime subscriptions, third-party marketplace sellers, and Whole Foods Market.
Is a premium card worth the annual fee for Nike Factory spending?
The American Express Graphite Business Cash Unlimited Card ($295/yr) earns 5x at Nike Factory. If you spend $492/month or more there, the category rewards alone offset the annual fee — before counting travel credits and other perks that often exceed $500 in value on premium cards.
Which card earns the most if I spend $500 per month at Nike Factory?
Chase Freedom Flex: $600/yr, Prime Visa: $300/yr, Credit One Bank Best Friends Credit Card: $300/yr. The Chase Freedom Flex earns the most at $500/month.
Also earning in Online Shopping
Need a situation-specific recommendation?
Merchant rankings are a good starting point, but the best card can change if you care more about international use, business spending, or lower-friction approval.