Best Credit Cards for Amazon 

Comparing the best credit cards for shopping on amazon

A closer look at the best cards for amazon purchases

Amazon Prime Rewards Visa Signature Card

Key features:

• 5% cash back at Amazon and Whole Foods Market.
• 2% cash back at restaurants, gas stations, and drugstores.
• 1% cash back on all other purchases.
• No annual fee.
• No foreign transaction fees.
• Flexible redemption options.
• Purchase protection/extended warranty protection.

Amazon benefits:

• Up to 20% back on rotating Amazon categories and products.

Intro APR: Not specified

Regular APR: Not specified

Signup bonus: Not specified

Our verdict: The Amazon Prime Rewards Visa Signature Card is a strong cash-back option for regular Amazon and Whole Foods shoppers. With high cash back rewards on these purchases, along with additional cash back on restaurants, gas stations, and drugstores, it offers great value. The card has no annual fee, flexible redemption options, and purchase protection/extended warranty protection. However, a Prime membership is required, and it lacks certain purchase benefits like price protection and return protection. If you shop frequently on Amazon and Whole Foods and already have a Prime membership, this card is a solid choice for earning cash back rewards

Pros:

• High cash-back rewards on Amazon and Whole Foods purchases.
• Additional cash back on restaurants, gas stations, and drugstores.
• No annual fee.
• Flexible redemption options.
• Purchase protection/extended warranty protection

• No foreign transaction fees

Cons:

• Requires Amazon Prime membership ($139 per year)
• Lacks important purchase benefits like price protection and return protection

Apply now: Amazon Prime Rewards Visa Signature Card

Chase Freedom Flex℠

Key features:

• Earn 5% cash back on rotating quarterly bonus categories.
• Get 5% cash back on travel purchases through Chase.
• Enjoy 3% cash back on dining and drugstore purchases.
• Earn 1% cash back on all other purchases.
• No annual fee.
• Introductory APR of 0% for 15 months on purchases and balance transfers

Amazon benefits:

• Earn 5% cash back on eligible Amazon purchases when it is featured as a quarterly bonus category.

Intro APR: 0% Intro APR for 15 months on purchases and balance transfers.

Regular APR: Variable APR of 20.24% – 28.99%.

Signup bonus: Earn a $200 Bonus after spending $500 on purchases within the first 3 months of account opening.

Our verdict: The Chase Freedom Flex℠ is a compelling no-annual-fee card that offers enticing cash-back rewards across a variety of categories, including potential 5% cash back on Amazon purchases when it is a featured quarterly bonus category. With its flexible redemption options and valuable introductory APR, this card is a great choice for everyday spending and can be even more rewarding when paired with other Chase Ultimate Rewards cards.

Pros:

• High cash-back rates on rotating quarterly bonus categories.
• No annual fee, making it cost-effective.
• Flexible redemption options for cash back rewards.
• Generous signup bonus.
• Introductory APR offers savings on purchases and balance transfers.

Cons:

• Foreign transaction fees of 3% in U.S. dollars may apply when using the card internationally.

Apply now: Chase Freedom Flex℠

U.S. Bank Shopper Cash Rewards™ Visa Signature® Card

Key features:

• Earn 6% cash back on your first $1,500 in combined eligible purchases each quarter at two selected retailers from a list of 24.
• Get 3% cash back on your first $1,500 in eligible purchases each quarter in one chosen everyday category.
• Earn 1.5% cash back on all other eligible purchases.
• Enjoy 5.5% cash back on prepaid car and hotel reservations booked directly in the Rewards Center.
• $0 intro annual fee for the first year, then $95.

Amazon benefits:

• Cardholders can select Amazon.com as one of the eligible merchants to earn 6% cash back on up to $1,500 in combined quarterly spending.

Intro APR: Not specified.

Regular APR: Not specified.

Signup bonus: Receive a $250 bonus after spending $2,000 on eligible purchases within the first 120 days of account opening.

Our verdict: The U.S. Bank Shopper Cash Rewards™ Visa Signature® Card offers impressive cash back rates, particularly with its 6% cash back on selected retailers, including Amazon.com. While it surpasses even Amazon’s own credit cards in terms of cash back, there are considerations such as an annual fee, the need to choose two retailers every quarter, and a spending cap on the higher cash back rate. However, if utilized strategically, this card can provide substantial rewards for Amazon shoppers.

Pros:

• High cash back rates on selected retailers, including Amazon.com.
• Additional cash back on everyday category purchases.
• Generous signup bonus
• Cash back on prepaid car and hotel reservations
• Visa Signature benefits

Cons:

• An annual fee applies after the first year.
• Need to select two retailers every quarter for maximum cash back.
• Quarterly spending cap limits cash back earnings.

Apply now: U.S. Bank Shopper Cash Rewards™ Visa Signature® Card

Wells Fargo Active Cash® Card

Key features:

• Earn unlimited 2% cash back on any purchase.
• $0 annual fee.
• Earn a $200 cash rewards bonus after spending $500 in purchases within the first 3 months.

Amazon benefits: While this card doesn’t have specific Amazon perks, its flat 2% cash back on all purchases makes it a great option for earning rewards on Amazon and any other purchases.

Intro APR: 0% intro APR for 15 months on purchases and qualifying balance transfers.

Regular APR: 19.99%, 24.99%, or 29.99% variable APR.

Signup bonus: Earn a $200 cash rewards bonus after spending $500 in purchases within the first 3 months.

Our verdict: The Wells Fargo Active Cash® Card is a versatile cash-back card that offers a consistent 2% cash back on all purchases, including Amazon. With no need to track bonus categories, it provides a hassle-free way to earn rewards. The card also features an attractive introductory APR and a generous signup bonus, making it a solid choice for everyday spending.

Pros:

• Earn unlimited 2% cash back on any purchase.
• No annual fee.
• Introductory APR on purchases and balance transfers.
• Generous signup bonus.
• Simple and straightforward rewards structure.

Cons:

• Variable APR after the introductory period.
• No specific Amazon-related benefits.

Apply now: Wells Fargo Active Cash® Card

Bank of America® Customized Cash Rewards credit card

Key features:

• Earn 3% cash back in the category of your choice.
• Automatic 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).
• Unlimited 1% cash back on all other purchases.
• $0 annual fee.

Amazon benefits: Select “online shopping” as your chosen category and earn 3% cash back on Amazon purchases, along with other popular online retailers.

Intro APR: Not specified.

Regular APR: Not specified.

Signup bonus: Get a $200 online cash rewards bonus after making at least $1,000 in purchases within the first 90 days of account opening.

Our verdict: The Bank of America® Customized Cash Rewards credit card is a great choice for Amazon purchases as it offers 3% cash back in the category of your choice, including online shopping. The card’s additional rewards on grocery stores and wholesale clubs make it versatile for everyday spending. However, keep in mind that the 3% and 2% cash back categories are capped at $2,500 in combined spending per quarter.

Pros:

• Flexible rewards with 3% cash back in a category of your choice.

• 2% cash back at grocery stores and wholesale clubs.
• No annual fee.
• Welcome bonus offer.
• Ability to earn higher rewards through Bank of America Preferred Rewards program.

Cons:

• Cap on bonus rewards for combined spending in 3% and 2% categories per quarter.

Apply now: Bank of America® Customized Cash Rewards credit card

Discover it® Cash Back

Key features:

• Earn 5% cash back on rotating quarterly categories (up to $1,500 in purchases per quarter, activation required).
• Get 1% cash back on all other purchases.
• $0 annual fee.
• No foreign transaction fees.

Amazon benefits: Discover it® Cash Back often includes Amazon as a bonus category at least once per year, allowing you to earn 5% cash back on Amazon purchases during that quarter.

Intro APR: Not specified.

Regular APR: Not specified.

Signup bonus: Discover will automatically match all the cash back you’ve earned at the end of your first year, with no minimum spending or maximum rewards.

Our verdict: The Discover it® Cash Back is a dynamic cash back card that offers the opportunity to earn 5% cash back in rotating categories, including Amazon, during one quarter of each year. The card’s Cashback Match feature, with no annual fee and no foreign transaction fees, makes it an appealing choice. While the quarterly spending cap may be a limitation, planning ahead with gift card purchases can help maximize rewards.

Pros:

• 5% cash back in rotating quarterly categories, including Amazon.
• 1% cash back on all other purchases.
• No annual fee.
• Unlimited Cashback Match during the first year.

• No foreign transaction fees.

Cons:

• Quarterly spending cap on bonus categories.
• Rotating categories may not always include Amazon.

Apply now: Discover it® Cash Back

How to choose the best credit card for amazon shopping?

To choose the best credit card for Amazon shopping, consider factors such as cash back or rewards rates specifically for Amazon purchases, any special Amazon benefits or partnerships, the card’s annual fee, and other features like intro APR or additional perks. Look for cards that offer high cash back or rewards on Amazon spending and consider your overall spending habits to find a card that aligns with your needs and preferences. Don’t forget to compare the terms and conditions, including APR rates and any potential limitations or restrictions.

Tips to maximise amazon rewards

To maximize Amazon rewards, use a credit card that offers high cash back or rewards rates specifically for Amazon purchases. Consider cards that have bonus categories or rotating categories that include Amazon. Look for opportunities to combine promotions or discounts with your credit card rewards, such as using the card during special sales events or taking advantage of cash back offers. Use your card consistently for all Amazon purchases to accumulate rewards over time. Additionally, check for any special partnerships or benefits that may offer additional rewards or perks when shopping on Amazon.

What credit score do you need for an amazon credit card?

The specific credit score requirement for an Amazon credit card may vary depending on the issuer and the type of card. Generally, to qualify for an Amazon credit card, a good to excellent credit score is typically required. This typically means a credit score in the range of 670 to 850. However, it’s important to note that credit card issuers consider multiple factors when evaluating applications, including credit history, income, and debt-to-income ratio. So, while a good credit score is important, other factors also play a role in the approval process.

Methodology

The information provided is based on a combination of research, analysis, and professional expertise. It includes an assessment of various credit cards and their features, benefits, rewards, and terms and conditions. The methodology involves evaluating factors such as cash back rates, rewards programs, fees, introductory offers, APR rates, and customer reviews. The goal is to provide accurate and unbiased information to assist individuals in making informed decisions when choosing a credit card for Amazon shopping. It’s important for individuals to conduct their own research and consider their personal financial situation before making any credit card decisions.

The product information provided here is based on research conducted up to a specific date and may have changed. For the latest and most accurate information, we recommend you to visit the respective card’s website before proceeding.