Best Credit Cards For Amazon
Best Overall
Amazon 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 Bonus
Amazon gift card
Annual Fee
$0 with Prime membership
Regular APR
17.24% to 25.24% variable
Credit Score
Good/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
- Earn an Amazon Gift Card Bonus without a spending requirement
- No foreign transaction fee
- Unlimited 5% back at Amazon and Whole Foods
- Visa Signature benefits
- 5% back excludes non-U.S. Amazon sites
- APR can be high, depending on your creditworthiness
- Outside of Amazon family spending, the rewards can be bested by other cards
Card Details
- Get an Amazon gift card instantly upon approval
- Earn 5% back at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% back at restaurants, gas stations, and drugstores and earn 1% back on all other purchases
- No minimum rewards balance required to redeem
- Use Amazon Rewards to pay for all or part of your purchase
- Visa Signature Concierge service
Best For Versatility
Chase 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 APR
17.99% - 26.74% Variable
Credit Score
Excellent, 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
- No annual fee
- Rotating quarterly categories earn 5% rewards when activated, up to a combined quarterly $1,500 maximum
- Travel rewards rate rivals some of the best premium travel cards
- Generous rewards rate in several other categories
- Travel bookings must be made through Chase Ultimate Rewards® to earn 5% cash back
Card Details
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.99% – 26.74%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
- Keep tabs on your credit health – Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Best for High Net Worth Amazon Shoppers
Bank of America® Customized Cash Rewards credit card
Choose 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 APR
16.99% - 26.99% Variable APR on purchases and balance transfers
Credit Score
Good, 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
- Bank of America Preferred Rewards clients earn 25% to 75% more cash back
- Decent rewards earning potential
- Option to change 3% bonus category monthly
- Bonus rewards have quarterly caps
- High balance transfer fee
- Foreign transaction fee
Card Details
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- If you’re a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and no expiration on rewards.
- New longer intro period! 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.99% – 26.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Best For Rotating Cash Back
Citi® Double Cash Card
Up 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 APR
17.74% - 27.74% (Variable)
Credit Score
Excellent, 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
- Earn up to 2% cash back—1% when the purchase is made and 1% when payment is made on the account
- No cash back cap—no limit on the amount of cash back that can be earned
- No annual fee
- Introductory APR period for balance transfers
- Foreign transaction fee
- Balance transfer fee
- Lack of benefits seen in other no annual fee cards
- No introductory 0% APR on purchases
Card Details
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.74% – 27.74%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Best For No Prime Membership
Amazon 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 Bonus
Amazon gift card
Regular APR
17.24% to 25.24% variable
Credit Score
Good/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
- No foreign transaction fee
- Unlimited 3% back at Amazon and Whole Foods
- Visa Signature benefits
- No intro APR offer
- 3% back excludes non-US Amazon sites
- APR can be high, depending on your creditworthiness
- High balance transfer fee
Card Details
- Get an Amazon gift card instantly upon approval
- Earn 3% back at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases
- In addition to using your rewards at Amazon.com, you can also redeem for cash back, gift cards, and travel
- Get complimentary Visa Signature Concierge Service 24 hours a day
- Travel with confidence with access to: Travel Accident Insurance, Lost Luggage Reimbursement, Baggage Delay Insurance and Travel and Emergency Assistance
Best For High Business Expenses
Amazon 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 Bonus
Earn up to $125 back
Regular APR
17.99% - 25.99% variable
Credit Score
Good/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
- No foreign transaction fee
- Free employee cards include purchase controls
- On each eligible purchase, choose 5% back or 90-day terms at Amazon and Whole Foods
- Amazon Prime membership required
- No intro APR offer
- Standard APR can be high, depending on your credit
Card Details
- Get an Amazon.com Gift Card upon approval for the Amazon Business Prime American Express Card
- No annual fee
- Choose 5% Back or 90 Days Terms on eligible U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with an eligible Prime membership
- Earn 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- Earn 1% Back on other purchases
- 5% back applies to the first $120,000 in purchases each calendar year, 1% thereafter
- Expense management tools, including Account Manager, Employee Cards, Account Alerts, AMEX Business App, Vendor Pay, and Year-End Summary
- Amex ranked #2 in the 2018 J.D. Power U.S. Credit Card Satisfaction Study℠
Best Flat-Rate Cash Back Card for Amazon
Discover it® Cash Back
Up 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 Bonus
Cashback Match™
Regular APR
14.99% - 25.99% Variable APR
Credit Score
Excellent/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
- 5% cash back on quarterly rotating spending categories throughout the year (activation required)
- Discover will automatically match all the cash back you’ve earned at the end of your first year
- No minimum cashback redemption
- 5% bonus cashback rate is limited to $1,500 per quarter in spending
- Bonus categories must be activated quarterly
- Low 1% base reward rate on everything else
Card Details
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
- Every $1 you earn in cash back is $1 you can redeem.
- Get a 0% intro APR for 15 months on purchases. Then 14.99% to 25.99% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Click “Apply Now” to see terms and conditions.
Best For Building Credit
Amazon 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 APR
10% fixed APR
Credit Score
Fair/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
- Opportunity to graduate to an unsecured card with responsible use
- May be offered as an alternative option for those that do not qualify for the unsecured version
- No annual fee
- Requires a security deposit
- Can only be used to make purchases at Amazon
Card Details
- 10.00% fixed APR on purchases
- No annual fee
- Free credit tracking tools. Get access to TransUnion CreditView Dashboard to track your credit score
- Join Prime to get 2% back at Amazon.com, Amazon Fresh and more, with an eligible Prime membership
- After 12 months of responsible use, you may be eligible to get your deposit back (less an amount to pay off your existing Secured Card balance per the account terms) and choose to convert to the Store Card features.
Methodology
When 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.
The value of redeeming your rewards was also considered. Many rewards cards on the market allow you to use your earnings to pay with points at Amazon, but in many cases, the value in doing so is less than if you just took a statement credit to offset your purchase.
Best Credit Cards for Amazon
What 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 Card
In 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 Bonus
If 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 Amazon
Amazon 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 Cards
If 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:
- Amazon Prime Visa Signature: 5% cash back in rewards at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% cash back at restaurants, gas stations and drugstores and 1% on all other purchases.
- Chase Freedom Flex: If Amazon is a quarterly bonus category, then the card will earn 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores and 1% on all other purchases.
- Discover it Cash Back: If Amazon is a quarterly bonus category, then the card will earn 5% cash back on everyday purchases at different places each quarter up to a quarterly maximum of $1,500 in spending when activated. Plus, earn unlimited 1% cash back on all other purchases – automatically.
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 Purchases
If 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 Line
If 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 //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 Considered
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