Best Credit Cards For Amazon Show
Best OverallAmazon Prime Rewards Visa Signature Card *Up to 5% Reward Rate Earn 5% Back at Amazon.com and Whole Foods Market; Earn 2% Back at restaurants, gas stations, and drugstores; Earn 1%Read More Welcome BonusAmazon gift card Annual Fee$0 with Prime membership Regular APR17.24% to 25.24% variable Credit ScoreGood/Excellent (700 - 749) Why We Picked It For existing Prime members who frequently shop at Amazon and Whole Foods, the 5% rewards rate is stellar. To further sweeten the deal, the Amazon Prime Rewards Visa Signature Card offers a 2% rewards category plus Visa Signature benefits. Pros & Cons
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Best For VersatilityChase Freedom Flex℠Up to 5X Reward Rate Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased throughRead More Regular APR17.99% - 26.74% Variable Credit ScoreExcellent, Good (700 - 749) Why We Picked It This card has the brawn to handle just about all of your credit card spending needs without an over-inflated price tag. The card has an annual fee of $0, yet comes with a pumped-up earnings structure that covers a wide swath of expenses including travel, drugstores and dining plus rotating quarterly bonus categories in areas many households are likely to find appealing. Pros & Cons
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Best for High Net Worth Amazon ShoppersBank of America® Customized Cash Rewards credit cardChoose your 3% category Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500Read More Regular APR16.99% - 26.99% Variable APR on purchases and balance transfers Credit ScoreGood, Excellent (700 - 749) Why We Picked It While offering solid rewards for moderate spenders, the card really shines for Bank of America Preferred Rewards clients, who get a 25%-75% boost in cashback earnings. Pros & Cons
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Best For Rotating Cash BackCiti® Double Cash CardUp to 2% Reward Rate First, you earn 1% unlimited cash back on every purchase you make. Then, as you pay for those purchases, youRead More Regular APR17.74% - 27.74% (Variable) Credit ScoreExcellent, Good (700 - 749) Why We Picked It The Citi Double Cash card's simple cash back structure and long-lasting balance transfer APR offer make the Citi Double Cash a favorite among those who want to set it and forget it. It offers a solid cashback rate on all purchases and 0% intro APR on balance transfers, all without an annual fee. Pros & Cons
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Best For No Prime MembershipAmazon Rewards Visa Signature Card *Up to 3% Reward Rate Earn 3% Back at Amazon.com and Whole Foods Market; Earn 2% Back at restaurants, gas stations, and drugstores; Earn 1%Read More Welcome BonusAmazon gift card Regular APR17.24% to 25.24% variable Credit ScoreGood/Excellent (700 - 749) Why We Picked It The Amazon Rewards Visa Signature Card offers fantastic value for frequent shoppers at Amazon.com and Whole Foods stores. An additional bonus cash back category, Visa Signature benefits, plus no annual fee further sweeten the deal. Pros & Cons
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Best For High Business ExpensesAmazon Business Prime American Express Card *Up to 5X Reward Rate Earn 5% Back or 90 Days Terms on eligible U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods MarketRead More Welcome BonusEarn up to $125 back Regular APR17.99% - 25.99% variable Credit ScoreGood/Excellent (700 - 749) Why We Picked It If your business spends heavily on Amazon.com, AWS, or Whole Foods, this card's 5% back is an unbeatable reward — more so with no annual fee. If short-term cash flow is an issue, you have the option to swap the 5% back for 90-day 0% APR financing on any eligible purchase. There is no 0% intro APR offer, and the standard APR is high, so this card isn't suitable for long-term financing. Pros & Cons
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Best Flat-Rate Cash Back Card for AmazonDiscover it® Cash BackUp to 5% Reward Rate Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations,Read More Welcome BonusCashback Match™ Regular APR14.99% - 25.99% Variable APR Credit ScoreExcellent/Good (700 - 749) Why We Picked It For moderate spenders who are willing to activate the 5% rotating categories and track the quarterly spending cap, this no-annual-fee card can deliver tidy rewards outside of its ongoing 1% earning rate. Pros & Cons
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Best For Building CreditAmazon Secured Card *Up to 2% Reward Rate Non-Prime members do not currently earn rewards with this card. Eligible Prime members get 2% back at Amazon.com, Amazon FreshRead More Regular APR10% fixed APR Credit ScoreFair/Poor/No Credit (0 - 649) Why We Picked It Consumers who love to shop Amazon.com and who want to build credit history can do both with the Amazon Secured Card. Pros & Cons
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MethodologyWhen analyzing which were the best credits to use for Amazon, our emphasis remained on the rewards you could earn for shopping with any Amazon-owned company. After the rate of rewards on Amazon spending, we also considered extra benefits like welcome bonuses and 0% APR
offers that could give you more time to pay down a big purchase at Amazon. Best Credit Cards for AmazonWhat Are the Benefits of a Credit Card for Amazon?Ideally the credit card you use for your Amazon and/or Whole Foods spending will earn a high rewards rate, helping you save money on every purchase. Additional perks could include shopping protections like extended warranties, purchase protections and theft protections. Your goal in choosing a credit card for Amazon is to find the card that offers the best combination of rewards and other perks for your particular circumstances. How Do I Maximize Amazon Rewards?The only thing better than earning rewards is using them. Depending on which card you’re using for your Amazon shopping, you may have multiple ways to redeem your rewards. In general, you should aim to redeem your rewards for at least a penny a point. Choose the Right CardIn some cases your credit card may offer you the option to either take cash back or redeem your rewards directly for purchases at Amazon. In many cases, redeeming your rewards this way will be worth less than if you just took the cash back and used it to make the same purchase. Check the redemption terms and conditions of your card to make sure you’re redeeming your earnings for the most value. Earn a Welcome BonusIf the card you chose for your Amazon spending comes with a welcome bonus for meeting a minimum spending requirement, it can be a worthwhile goal to attain. A welcome bonus on a card typically snags you a pile of points or cash for spending the way you normally would. The clock starts ticking the day you’re approved for the card and not the day you receive your physical card in the mail so keep track of the dates and your spending to make sure you don’t miss out. Add Your Credit Card to AmazonAmazon has an option to keep a default credit card on file to expedite your ordering process. If you get a new card for your Amazon spending, if you had a card on file before, make sure to swap it out for the new one so you don’t accidentally keep charging new Amazon purchases to the old card. Consider Pairing More CardsIf you have a card that caps the amount of elevated rewards you can earn at Amazon after a certain spending amount or that only allows you to snag big rewards in a bonus quarter, consider pairing it with another card that offers solid rewards on all purchases. For example, say you own the Discover it® Cash Back and Amazon is one of the bonus categories that quarter, earning you 5% cash back up to the quarterly maximum of $1,500 on spending when you activate. After you hit that $1,500 cap, any other spending at Amazon will only earn you 1% cash back. But, if you use a card like the Citi Double Cash which earns a net 2% cash back—1% when you make a purchase and another 1% when you pay the bill, you could beat what you’d earn if you just paid with the Discover it® Cash Back depending on how much you spend. Does Amazon.com Give 5% Cash Back?Just shopping at Amazon.com will not automatically snag you 5% cash back on your purchase. The best way to earn 5% back when shopping with Amazon is to use a credit card that offers 5% back. Here are a few of the best options:
How can I get free cash back?Using any cash-back card to shop on Amazon will result in getting money back. Some cards earn greater rewards than others. Currently the card that earns the highest cash back when shopping at Amazon is the Amazon Prime Rewards Visa Signature Card which earns 5% when shopping with Amazon or other companies under its umbrella like Whole Foods. What Credit Score Do You Need for an Amazon Credit Card?A credit score of 640 or better is recommended for the Amazon Prime Rewards Visa Signature Card*. Rewards cards in general, including the Amazon Rewards cards typically require good to excellent credit as defined by FICO. Amazon generally defines a good score as above 680 and an excellent score as above 720. If you have fair or poor credit, consider the Amazon Credit Builder Card as you can be approved even with limited or bad credit. How To Increase Credit Card Limit for Amazon PurchasesIf you’re interested in a credit line increase on your card for the Amazon Prime Rewards Visa Card or the Amazon Rewards Visa Card, contact Chase directly either via phone at 1-800-432-3117 or log into your account and use the chat function to connect with a customer service representative to make your request. If you’re interested in a credit line increase on your Amazon Secured Card, please call Synchrony Bank at 1-866-634-8379, or go to Synchrony Bank’s e-servicing site and under Account Services at the top of the screen, select “Credit Line Increase”, to see if you are eligible. Bottom LineIf you want to get the most bang for your buck on your Amazon purchases, look for a card that offers higher-than-average rewards on Amazon spending. However, that doesn’t automatically mean an Amazon co-branded card is the best one for you. If you only shop with Amazon a handful of times throughout the year, or the rewards structure on a different card meets your needs better in other ways, another card might be right for you. Frequently Asked Questions (FAQs)How To Pay An Amazon Credit Card?To complete your payment for your Amazon Prime Rewards Visa Signature Card* or Amazon Rewards Visa Signature, follow these steps: If you have not set up an online Chase account yet, go to www.chase.com/amazon. If you have already set it up, sign in to your online Chase account. 1. Scroll down to locate your Amazon Visa Card and click “Pay credit card.” 2. Select Statement Balance, Current Balance, Minimum Due or specify another amount you’d like to pay. Then, click “Next.” 3. Verify that the payment information is correct and click “Schedule Payment.” To complete your payment for your Amazon Store Card or your Amazon Secured Card, follow these steps. 1. Sign in to your Synchrony Bank account at http://www.syncbank.com/amazon or link your Amazon and Synchrony accounts at www.amazon.com/storecard to navigate directly to Synchrony from the Amazon site. 2. Hover over “Payments” at the top of the page, and then scroll down and click “Make a Payment.” 3. Select Minimum Payment, Statement Balance (as of your last statement), Current Balance or Other. 4. Enter your bank’s routing number and checking account information in the requested fields and confirm your banking information. 5.Verify that the information is correct and click “Make a Payment.” How long does it take to get approved for an Amazon Credit Card?You can get approved for the Amazon Prime Rewards Visa Card or the Amazon Rewards Visa Card within seconds after applying online. According to the Amazon.com Store Card page, you’ll get your decision after you apply online in as little as 15 seconds. These card accounts should be automatically linked to your Amazon account after approval and you can begin using yours right away after getting approved. The Amazon Secured Card requires a security deposit, so even though you’ll get a decision about your approval shortly after applying, you’ll have to fund the security deposit from your bank account within 60 days of approval before you can charge anything. How do I find my Amazon credit card number?You can manage your Amazon Prime Rewards Visa Card or Amazon Rewards Visa Card account online with Chase by logging in at Chase. Your full credit card number can be found on the front of the hard plastic or metal card that is mailed to you within 7 to 10 business days after approval. If you don’t have your full credit card number, please call Chase. For bank contact information, see Customer Service for Financial Institutions. To access and manage your online Amazon Store Card or Amazon Secured Card account, visit Synchrony Bank.To create an account, you’ll need your full credit card number, which can be found on the front of the hard plastic card that is mailed to you within 7 to 10 business days after approval. If you don’t have your full credit card number, please call Synchrony Bank. For bank contact information, see Customer Service for Financial Institutions. How To Remove a Credit Card From Amazon?To remove a credit card as a payment method, log in to your Amazon account. Then, navigate to “Your Account”, and select “Your Payments”. To edit or remove a payment method, select the drop-down arrow beside the relevant payment method and select Edit or Remove. Other Credit Cards to be ConsideredInformation provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results. Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners. How do I pay off Amazon credit card debt?How To Make Your Amazon Credit Card Payment Online. Log in to your account.. Place your cursor over “Payments” and then select “View and Make Payments.”. Select whether you want to make a minimum payment or pay your current balance, statement balance or another amount.. Select a payment date.. Do you have to pay back Amazon credit card?Cash advances on the Amazon Prime Rewards Signature Visa have an interest rate of 25.24%. You have 21 days after the end of the billing cycle to pay the balance in full to avoid any interest charges.
How do I make a payment to my Amazon Mastercard?Make a payment by phone: Call Synchrony Bank at 1-866-634-8379. ... . Make a payment by mail: Send a check or money order made out to "Synchrony Bank / Amazon" with the remittance slip from your monthly statement for the amount you wish to pay to the following address:. How much does Amazon credit card pay back?The Amazon Prime Rewards Visa Signature Card offers card members 5% back on purchases made at Amazon.com and Whole Foods Market. 5% back on purchases made at Amazon.com and Whole Foods Market is exclusively for customers with an eligible Prime membership.
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