The Best Credit Cards for Amazon Purchases The Best Credit Cards for Amazon Purchases

The Best Credit Cards for Amazon Purchases

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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.

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 $200 Amazon Gift Card instantly upon approval, exclusively for Prime members. It doesn't get much simpler than that!

Prime Visa
Prime Visa
Annual Fee$0
Welcome Bonus Special Offer: Get a $200 Amazon Gift Card instantly upon approval, exclusively for Prime members
The Prime Visa offers an unlimited 5% cash back on purchases at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases, provided you have an eligible Prime membership. Additionally, it offers 2% back at gas stations, restaurants, and on local transit and commuting, including rideshare, with 1% back on all other purchases.
  • Special Offer: Get a $200 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:

Card NameEarning Rate on AmazonOther Earning RatesAnnual Fee
Prime Visa5% back at Amazon and Whole Foods Market with an eligible Prime membership year-round• 5% back on purchases made through Chase Travel, with an eligible Prime membership
• 5% back at Amazon and Whole Foods Market, with an eligible Prime membership
• 2% back on local transit and commuting, including rideshare
• 2% back at restaurants and at gas stations
• 1% back on all other purchases
• Plus, get 10% back or more on a rotating selection of products and categories at Amazon
$0
(Rates & Fees)
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card6% cash back on your first $1,500 of combined purchases each quarter from two merchants you select. Amazon is one of the options.• 6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose
• 3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category (like wholesale clubs, gas and EV charging stations, bills and utilities)
• 1.5% cash back on all other eligible purchases
$95 (waived for the first year)
Amazon Business Prime American Express Card5% cash back or 90-day terms on U.S. purchases at Amazon.com, Amazon Business, AWS, and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, then 1% back• 2% back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
• 1% back on other purchases
$0
Amazon Visa3% back at Amazon and Whole Foods Market• 3% back at Amazon and Whole Foods Market
• 3% back on purchases made through Chase Travel
• 2% back at restaurants and at gas stations
• 2% back on local transit and commuting, including rideshare
• 1% back on all other purchases
$0
Amazon Business American Express Card3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter.• 2% back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
• 1% back on other purchases
$0
Capital One Venture Rewards Credit Card2 miles per dollar on every purchase, every day.5 miles per dollar on hotels and rental cars booked through Capital One Travel$95
Capital One Venture X Rewards Credit Card2 miles per dollar on every purchase, every day10X miles on hotels and rental cars booked through Capital One Travel, 5X miles on flights and vacation rentals booked through Capital One Travel, and 2X miles on other eligible purchases$395
Bank of America® Customized Cash Rewards credit card• 6% cash back for the first year of card membership in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings, then $3%
• Bank of America Preferred Rewards members can earn up to 75% extra on every purchase
• 6% cash back for the first year of card membership in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings, then $3%
• 2% cash back at grocery stores and wholesale clubs
• 1% cash back on all other purchases
6%/3% and 2% earnings apply on the first $2,500 of combined spending in those categories each quarter, then 1% cash back.
$0
Blue Cash Everyday® Card from American Express3% cash back with U.S. online retailers (on up to $6,000 per year in purchases, then 1%)• 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
• 3% cash back at U.S. gas stations (on up to $6,000 per year in purchases, then 1%)
• 3% cash back with U.S. online retailers (on up to $6,000 per year in purchases, then 1%)
• 1% back on other purchases
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
$0
(Rates & Fees)
The Blue Business® Plus Credit Card from American ExpressEarn 2X Membership Rewards® points on everyday business purchases. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.Earn 2X Membership Rewards® points on everyday business purchases. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.$0
(Rates & Fees)
Citi Double Cash® CardEarn unlimited 2% cash back on spending, awarded as 1% when you buy plus 1% as you pay.Earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through December 31, 2025.$0
Wells Fargo Active Cash® CardEarn unlimited 2% cash rewards on purchases.Earn unlimited 2% cash rewards on purchases.$0
(Rates & Fees)
Discover it® Cash Back1% cash back on everyday purchases, but cash back is matched during your first year as a cardholder.• 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
• Unlimited 1% cash back on all other purchases - automatically.
$0
Chase Freedom Unlimited®1.5% on all other purchases cash back5% on travel purchased through Chase Travel℠, 3% on dining at restaurants and drugstores, and 1.5% on other eligible purchases$0
(Rates & Fees)
Bank of America® Customized Cash Rewards credit card
Bank of America® Customized Cash Rewards credit card
Annual Fee$0
Welcome Bonus $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
The Bank of America® Customized Cash Rewards credit card is a $0 annual fee card that offers a tiered cash back rewards system. Cardholders can earn 6% cash back for the first year in a category of their choice, including options like gas and EV charging stations, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishing purchases (then 3%). Additionally, the card offers 2% cash back at grocery stores and wholesale clubs. However, the 6% and 2% cash back rates apply only to the first $2,500 in combined purchases each quarter, after which the rate drops to 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).
  • 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:

Amazon box on porch in front of a wooden door
Credit: Robert So/Pexels

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), Chase Freedom Unlimited® (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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