The best Amazon credit card for cash back is the Amazon Prime Store Card because it offers 5% cash back on Amazon purchases and gives a $10 Amazon gift card immediately after approval. The card has a $0 annual fee but requires an Amazon Prime membership to earn rewards. People without a Prime membership can still get the store card, but will only receive the gift card benefit and will not get 5% back on purchases. The Amazon Prime Store Card only requires fair credit. But it can only be used for Amazon.com purchases.
While not strictly a cash back card, the Amazon Visa Credit Card from Chase is just as good. Its points are worth 1 cent each when redeemed for cash. So the Amazon Visa basically gives 5% cash back at Amazon.com and Whole Foods to Prime members and 3% cash back to everyone else. Restaurant, gas station and drug store purchases yield 2% back, with 1% cash back on all other purchases, regardless of Prime status. The Amazon Visa Credit Card requires good credit for approval.
A few credit cards not affiliated with Amazon.com also give some excellent cash back deals on Amazon shopping. For example, with the Discover it Cash Back card, you get 5% back on up to $1,500 spent per quarter in rotating bonus categories. Amazon has been a bonus category in the past, and is set to be included from October – December 2019. You can also use your rewards to shop directly on Amazon. $1 in Discover cash back equals $1 off an Amazon purchase.
The best Amazon credit card is the Amazon Rewards Visa by Chase because it offers 3 points per $1 spent at Amazon and Whole Foods (5 for Prime members), along with a $50 gift card after approval ($70 with Prime). And several other factors help make it the best credit card for Amazon purchases, including its $0 annual fee and $0 foreign transaction fee. This card has no annual fee and you can use it anywhere Visa is accepted.… read full answer
Another of the best Amazon credit cards is the Amazon Store Card from Synchrony Bank, which offers 5% cash back but only if you have a Prime membership. It will also give you a $10 gift card after approval. You can only use the card at places that accept Amazon Pay, but that’s still 120+ merchants. Plus, the Amazon Store Card is easy to get, requiring only fair credit.
If you don’t want a store-branded credit card, you could always get a cash or miles card that rewards you well for all spending and/or lets you spend your rewards directly at Amazon. For example, the Chase Sapphire Preferred card has a nice 50,000-point initial bonus, and you can spend those points at Shop With Points on Amazon for 1 cent each.
Top 5 Credit Cards for Amazon Purchases:
Amazon Rewards Visa Signature Card – Best Overall
Amazon.com Store Card – Best for Fair Credit
Chase Sapphire Preferred Card – Best for “Shop with Points” on Amazon
Citi Double Cash Card – Best for Cash Back
Amazon.com Business Credit Card – Best for Business
When choosing the best Amazon credit card for you, you’ll have to decide between better perks at Amazon and solid rewards value across the board.
It’s also good to note that several credit card rewards programs participate in Shop With Points on Amazon. This lets you use your rewards directly for Amazon purchases. The participating rewards programs are Chase Ultimate Rewards, ThankYou from Citi, Discover Cashback Bonus, American Express Membership Rewards and Hilton Honors.
All of the best Amazon credit cards have something unique to bring to the table. Let’s take a closer look at what they are.
Here are the best Amazon credit cards:
Best Amazon Credit Card: Amazon Rewards Visa. Issued by Chase. 3 points per $1 spent at Amazon and Whole Foods (5 with a Prime membership). 2 points per $1 at gas stations, grocery stores and drugstores and 1 everywhere else. Redeem 100 points for $1 off an Amazon purchase. $50 gift card loaded onto your account after approval ($70 with Prime). $0 annual fee. Good credit needed.
Best for Fair Credit: Amazon.com Store Card. Issued by Synchrony. Can only be used at places that accept Amazon Pay. 5% cash back (as points worth 1 cent each toward Amazon purchases or statement credits) on all Amazon purchases with a Prime membership. $10 gift card after approval. $0 annual fee. Fair credit needed.
Best for Cash Back: Citi Double Cash. 2% cash back on all purchases, 1% at the time of purchase and 1% after payment. 0% APR on balance transfers for 18 months (3% fee). $0 annual fee. Good credit needed.
Best cash bonus: Chase Freedom. $150 bonus when you spend $500 in the first 3 months. 5% cash back on up to $1,500 spent per quarter in rotating categories (sometimes including Amazon. 1% back on all other purchases. Can use rewards at a 1:1 ratio directly on Amazon.com. $0 annual fee. Excellent credit needed. Best for Travel Rewards: Capital One Venture. 50,000 bonus miles for spending $3,000 in the first 3 months, worth $500 toward travel. 2 miles per $1 spent on all purchases and 10 per $1 at hotels.com/venture. $95 annual fee waived the first year. Good credit needed.
Best for Shop with Points on Amazon: Chase Sapphire Preferred. 50,000 bonus points for spending $4,000 in the first 3 months. 2 points per $1 on travel and dining and 1 on everything else. Can pay with points at Amazon at a rate of 1 cent per point. $95 annual fee waived the first year. Excellent credit needed.
Best for Bad Credit: Discover it Secured. 2% cash back on $1,000 spent per quarter at restaurants and gas stations and 1% on everything else. First year’s cash back matched. Can spend cash back at a $1:$1 ratio at Amazon.com. No annual fee. Bad credit accepted.
Best for Business: Amazon.com Business Credit Card. Issued by American Express. $100 Amazon gift card after approval ($125 for Prime members). 3% cash back (5 with Prime) OR 60 days of no interest (90 with Prime) on all Amazon and Whole Foods purchases. 2% back at U.S. restaurants, U.S. gas stations and U.S. wireless phone service. 1% back on all other purchases. $0 annual fee. Good credit needed.
In all, if you’re a frequent Amazon shopper, you’ll probably benefit most from an Amazon branded credit card. But there are plenty of cards that give great value on all purchases to consider as well.
The best Amazon credit card promotions are the $70 sign-up bonus and 5% back on Amazon.com and Whole Foods purchases that Prime members get from the Amazon Visa credit card from Chase. If you’re not a Prime member, you only get a $50 bonus and 3% back.
There’s also the Amazon store card, which gives you a $30 gift card upon approval. And you get 5% off your purchases with Prime membership. It can only be used at retailers that accept Amazon Pay. … read full answer
Plus, Prime members with either Amazon-branded credit card can unlock special deals on Amazon.com.
Here are the Amazon credit card promotions:
$50 gift card after approval ($70 for Prime members): Amazon.com Credit Card by Chase. You also get 3 points per $1 at Amazon.com and Whole Foods (5 for Prime members), and 1 point per $1 everywhere else.
$30 gift card after approval (regardless of Prime or not): Amazon.com Store Card. You also get 5% back on all Amazon purchases if you have a Prime membership.
Amazon credit card deals: Either Amazon card entitles Prime members to exclusive offers on Amazon.com. For example, you could get 10% back on musical instruments or LG TVs.
5% cash back on up to $1,500 spent on Amazon in 3 months: Chase Freedom. Has been a promotion in the past and may be again, but not currently available.
Shop with points/cash back: Amazon is partnered with several credit card issuers to let you pay for your purchases with rewards. Chase Ultimate Rewards, Citi ThankYou points and Discover cash back are eligible.
The two Amazon credit cards have some other perks, too. The Chase card offers travel insurance, an extended warranty plan and purchase protection, with no annual fee. You’ll need good credit to get the card.
The Amazon Store Card offers 0% deferred interest for 6-24 months on certain purchases. Deferred interest means if you don’t pay in full by the end of the 0% period, it’ll be like interest was adding up all along. There’s no annual fee and the card requires good credit.
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