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This year is flying by, and the holidays are quickly approaching. Whether you're planning on doing some Amazon Prime Day shopping, getting a jump on holiday shopping, or just do the bulk of your shopping with the e-commerce giant, you might as well use the right credit card to maximize your earnings.
You can choose between earning extra points or putting cash back in your pocket. Whatever type of rewards you're looking for, using the right payment method can help you maximize the Amazon deals you've found and provide extra earnings along the way.
Here's a look at the best credit cards to use on Amazon. There's something for everyone here.
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The Best Credit Card for Amazon Purchases
As you might suspect, the best card for Amazon purchases is one with “Prime” in the name. The simply-named Prime Visa is a $0 annual fee card that earns 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, plus 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare).
New cardholders can earn a $150 Amazon Gift Card instantly upon approval, exclusively for Prime members. It doesn't get much simpler than that!
- Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members
- Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
- Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
- Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
- Earn unlimited 1% back on all other purchases
- No annual credit card fee
- No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
- Member FDIC
- Rates & Fees
- Unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership
- Unlimited 2% back on local transit and commuting (including rideshare)
- Unlimited 2% back at restaurants and at gas stations
- Unlimited 1% back on all other purchases
Other top cards for Amazon purchases
Don't have a Prime membership? Or do you want to earn transferrable rewards rather than cash back? There are plenty of other cards to consider for Amazon purchases. Here's a full roundup of the best cards for Amazon purchases:
- 6% cash back for the first year in the category of your choice: gas and EV charging stations, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy purchase, or home improvement/furnishing purchases, then 3% after the first year of card membership*
- 2% cash back at grocery stores and wholesale clubs*
- 1% cash back on all other purchases
- * You'll earn 6% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
Related: The Best Credit Cards for Online Shopping
Other Aspects To Consider When Picking a Card for Amazon Purchases
While the cards above provide the best earnings per dollar spent, that's not the only thing to think about. Beyond earning extra points, consider these options:
- Earning a welcome bonus: If you're working on a sign-up bonus, you should put as much of your spending as possible on that card until you've earned the bonus. That includes your Amazon shopping if it will help you complete the goal. These are the best welcome bonuses available right now.
- Earning spending-based perks: For example, you can earn a free night award after spending $15,000 annually on The World of Hyatt Credit Card (Rates & Fees) and Hilton Honors American Express Surpass® Card. If your card has benefits like a companion fare or hotel free night award you can unlock with spending, putting your Amazon purchases on that card can be beneficial.
- Checking for targeted promotions to get discounts: Wouldn't you love to get up to 50% off your Amazon purchases by using just one credit card point at checkout? These offers aren't available for everyone, but it's worth checking. Using as little as one point or adding a new credit card to your account can trigger offers that lead to big savings.
- Spending your way toward elite status: Multiple programs allow you to earn elite status purely through credit card spending; others let you make significant progress through spending. Consider working toward elite status with bonus Medallion Qualification Dollars (MQDs) from the Delta SkyMiles® Reserve American Express Card or earning American Airlines Loyalty Points from AA's credit cards.
Final Thoughts
Many people spend large sums on Amazon every month — and likely even more around the holidays. Using the best credit card for your purchase can help you earn valuable rewards or put money back in your pocket. If you don't, you're leaving money on the table. Consider the strategies above to help you maximize your shopping!
For rates and fees of the cards mentioned in this post, please visit the following links: Prime Visa (Rates & Fees), The Blue Business® Plus Credit Card from American Express (Rates & Fees), Blue Cash Everyday® Card from American Express (Rates & Fees), and The World of Hyatt Credit Card (Rates & Fees)
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