Amazon is one of the most popular online retailers, with millions of items available for purchase. For frequent Amazon shoppers, using the right credit card can earn you bonuses like cash back and rewards points on all your Amazon purchases.
The best credit cards for Amazon optimize your spending on the site. Depending on the card, you can earn up to 5% cash back on all Amazon and Whole Foods purchases. Some cards also give you reward points you can redeem for Amazon gift cards or cash back.
In this article, we’ll go over the top 6 credit cards to maximize your Amazon purchases. We’ll cover the rewards, benefits, and fees for each card so you can decide which is best suited for your spending habits.
1: Amazon Prime Rewards Visa Signature Card
The Amazon Prime Rewards Visa Signature card is designed specifically for Prime members who frequently shop on Amazon.
With this card, you’ll earn:
- 5% Back at Amazon.com and Whole Foods Market
- 2% Back at restaurants, gas stations, and drugstores
- 1% Back on all other purchases
There is no annual fee for this card. However, you do need an Amazon Prime membership to qualify.
The 5% back on Amazon purchases makes this one of the best cards for heavy Amazon shoppers. Over time, the rewards can really add up.
You’ll get your rewards in the form of points that you can redeem for Amazon purchases. There is no minimum redemption required.
2: Chase Freedom Flex
The Chase Freedom Flex is a great cash back credit card with Amazon as a bonus.
With this card, you’ll earn:
- 5% cash back on travel booked through Chase, 3% back on dining and at drugstores
- 5% cash back on quarterly rotating bonus categories (including Amazon)
- 1% back on all other purchases
The biggest perk of this card is the opportunity to earn 5% back on Amazon purchases each quarter it’s included in the bonus categories. All rewards can be redeemed for cash back or a statement credit.
There is no annual fee for this card. The signup bonus is currently $200 back after you spend $500 on purchases in the first 3 months.
3: Citi Custom Cash Card
The Citi Custom Cash Card allows you to earn 5% cash back in your top eligible spend category each billing cycle, up to $500 in purchases. The remaining purchases earn 1% back.
If you frequently shop on Amazon, you can select the online shopping category each billing cycle to earn 5% cash back on those purchases. The cashback can be redeemed for gift cards, a statement credit or a check.
There is no annual fee for this card. New cardholders can also take advantage of a $200 cash back signup bonus after spending $750 on purchases in the first 3 months.
4: Bank of America Customized Cash Rewards
The Bank of America Customized Cash Rewards credit card is a flexible rewards card that lets you earn higher cash back for your top spending category.
You can earn:
- 3% cash back in a category of your choice – online shopping
- 2% back at grocery stores and wholesale clubs
- 1% back on other purchases
Cash rewards don’t expire and can be redeemed for deposits, credit or gift cards.
There is no annual fee for this card. It currently offers a $200 online cash rewards bonus after making $1,000 in purchases in the first 90 days.
5: U.S Bank Cash+ Visa Signature Card
The U.S Bank Cash+ Visa Signature card lets you choose two 5% cash back categories each quarter from a list that includes online shopping. All other purchases earn 2% back.
You can earn 5% back on Amazon purchases if you consistently select the online shopping category. The cashback can be redeemed for a statement credit or deposit.
This card has no annual fee. New cardholders can earn a $200 signup bonus after making $1,000 in eligible purchases within the first 120 days.
6: Discover it® Cash Back Card
The Discover it® Cash Back Card is known for its rotating quarterly bonus categories where cardholders can earn 5% cash back on up to $1,500 in purchases (when activated), and Amazon is often included as one of these categories, especially during key shopping seasons like the holidays.
For all other purchases, you earn 1% cash back. What makes this card particularly appealing is Discover’s Cashback Match feature, where Discover will automatically match all the cash back you’ve earned at the end of your first year.
There is no annual fee, making it a great option for maximising rewards on Amazon purchases during those bonus periods.
What to Look for in an Amazon Credit Card
When choosing a credit card for Amazon shopping, here are a few key things to look for:
- Generous cash back or rewards rates for Amazon purchases specifically. The higher, the better.
- No rotating categories or ability to select Amazon each quarter for bonus rewards.
- No foreign transaction fees for shopping on international Amazon sites.
- No annual fee is ideal unless the rewards are significant enough to offset it.
- Strong bonus for new cardholders that you can earn on Amazon purchases.
Maximizing rewards on a credit card for Amazon shopping allows you to get the most value for your purchases. Be sure also to take advantage of cardholder benefits like purchase protection, extended warranties, and no-interest financing offers on Amazon.
Conclusion
The best credit cards for Amazon can earn you significant cash back, points and perks on all your Amazon purchases. The top options include cards like the Amazon Prime Rewards Visa, Chase Freedom Flex, and Citi Custom Cash Card. Pick a card that aligns with your spending profile and Amazon usage.
