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Whether you're planning to take advantage of the best Amazon deals or just do everyday shopping through the e-commerce giant, you might as well use the right credit card to maximize your earnings.
Instead of leaving rewards on the table, you can earn extra points or put cash back in your pocket. Whatever type of rewards you're after, using the right payment method helps you maximize your Amazon purchases and credit card rewards.
Here's a look at the best credit cards for Amazon purchases — there's something for everyone.
The Best Credit Card for Amazon Purchases
As you might suspect, the best Amazon Prime credit card is, unsurprisingly, one with “Prime” in the name. The 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).
Better yet, new cardholders can earn a $200 Amazon Gift Card instantly upon approval, exclusively for Prime members. It doesn't get much simpler than that.
For Prime members, it’s typically the highest-earning option for Amazon purchases.
- 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
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Other top cards for Amazon purchases
Don't need a Prime membership or want transferable rewards rather than cash back? There are plenty of other cards worth considering. Here's a full roundup of the best cards for Amazon purchases:
| Card Name | Earning Rate on Amazon | Annual Fee |
|---|---|---|
| Prime Visa | 5% back at Amazon and Whole Foods Market with an eligible Prime membership year-round | $0 |
| Amazon Visa | 3% back at Amazon and Whole Foods Market | $0 |
| Capital One Venture Rewards Credit Card | 2 miles per dollar on every purchase, every day. | $95 |
| Capital One Venture X Rewards Credit Card | 2 miles per dollar on every purchase, every day | $395 |
| Capital One Venture Business | 2 Miles per $1 on every purchase, everywhere. | $95 |
| Capital One Venture X Business | 2 Miles per dollar on every purchase | $395 |
| Bilt Palladium Card (Rates & Fees) | 2X points on everyday spend | $495 |
| Blue Cash Everyday® Card from American Express | 3% cash back with U.S. online retailers (on up to $6,000 per year in eligible purchases, then 1%) | $0 (Rates & Fees) |
| The Blue Business® Plus Credit Card from American Express | 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) |
| 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 | $0 |
| Citi Double Cash® Card (Rates & Fees) | Earn unlimited 2% cash back on spending, awarded as 1% when you buy plus 1% as you pay. | $0 |
| Wells Fargo Active Cash® Card (Rates & Fees) | Earn unlimited 2% cash rewards on purchases. | $0 |
| Chase Freedom Unlimited® (Rates & Fees) | 1.5% on all other purchases cash back | $0 |
| Discover it® Cash Back | 1% cash back on everyday purchases, but cash back is matched during your first year as a cardholder. | $0 |
| U.S. Bank Shopper Cash Rewards™ Visa Signature® Card (Currently not open to new applicants) | 6% cash back on your first $1,500 of combined purchases each quarter from two merchants you select. Amazon is one of the options. | $95 (waived for the first year) |
Two options stand out on this list: the Blue Cash Everyday® Card from American Express and the Capital One Venture Rewards Credit Card.
The Blue Cash Everyday charges a $0 annual fee (Rates & Fees). If you're an Amazon shopper, you might find its bonus earnings at online retailers — and its redemption options — particularly appealing.
(Terms apply)
- Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
- Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
- Terms Apply.
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in eligible purchases, then 1%)
- 3% cash back at U.S. gas stations (on up to $6,000 per year in eligible purchases, then 1%)
- 3% cash back with U.S. online retailers (on up to $6,000 per year in eligible purchases, then 1%)
- 1% back on other eligible purchases
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Related: The Best Credit Cards for Online Shopping
It's also worth calling out the Capital One Venture. Why? It earns 2 miles per dollar on every purchase, every day. If you plan to spend heavily at Amazon — or anywhere else for that matter — this card deserves a top spot in your wallet.
This card currently features a welcome bonus of 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months of account opening.
- Earn 75,000 Miles once you spend $4,000 on purchases within the first 3 months of account opening
- 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- 2X miles on all other purchase
- Fee credit for Global Entry or TSA Pre✔® (up to $120)
- No foreign transaction fees
- $95 annual fee
- 5X miles per dollar on purchases through Capital One Entertainment
- 5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
- 2X miles per dollar on all other purchases
If you're making purchases for your business instead, Capital One offers a variant of the Capital One Venture that it calls the Capital One Venture Business. This card is also a top option for shopping at just about anywhere.
- Earn a one-time welcome bonus of 100,000 miles once you spend $10,000 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Receive up to $220 in credits: Receive an annual $50 travel credit for bookings through Capital One Business Travel, up to an annual $50 statement credit for purchases at qualifying advertising or software merchants, plus up to a $120 credit for Global Entry or TSA PreCheck® every four years. Terms and conditions apply
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- $95 annual fee
- Free employee cards which also earn unlimited 2X miles from their purchases
- Top rated mobile app
- 5X miles per $1 on hotels, vacation rentals and rental cars booked via Capital One Business Travel
- 2X miles per $1 on other eligible purchases
Related: Our Favorite Travel Products That You Can Buy on Amazon Now
Other Things to Consider When Picking a Card for Amazon Purchases
The cards above offer strong earnings per dollar spent, but that’s not the only factor to weigh. Beyond bonus points, consider the following:
- Checking for targeted promotions: Wouldn't you love to get up to 50% off your Amazon purchases by using just 1 point at checkout? These offers aren't available to everyone, but it's worth checking. Using as little as 1 point or adding a new credit card to your account can trigger offers that lead to big savings.
- Earning a welcome bonus: If you're working on a welcome bonus, put as much spending as possible on that card until you've met the requirement. That includes your Amazon shopping — if it will help you complete the goal.
- 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 a free night you can unlock with spending, putting your Amazon purchases on that card can make sense.
- Spending your way toward elite status: Some programs allow you to earn elite status through credit card spending, while others let you make significant progress. Consider working toward elite status with bonus Medallion Qualification Dollars from the Delta SkyMiles® Reserve American Express Card or earning American Airlines Loyalty Points from AA's credit cards.
Final Thoughts
Many people spend heavily on Amazon each month — and even more during major sales events, around birthdays and weddings, or ahead of the holidays. Using the right credit card helps 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.
- 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
For rates and fees of the cards mentioned in this post, please visit the following links: Chase Freedom Unlimited® (Rates & Fees), Citi Double Cash® Card (Rates & Fees), The Blue Business® Plus Credit Card from American Express (Rates & Fees), Blue Cash Everyday® Card from American Express (Rates & Fees), Bilt Palladium Card (Rates & Fees), and The World of Hyatt Credit Card (Rates & Fees)
