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.com Credit Card from Chase is just as good. Its points are worth 1 cent each when redeemed for cash. So, the Amazon.com Credit Card basically gives 5 points / $1 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% cash back, with 1 point / $1 on all other purchases, regardless of Prime status. The Amazon.com 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, you get 5% cash 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 2021. 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 of its generous rewards and $0 annual fee. This Amazon credit card offers 3-5 points per $1 spent at Amazon and Whole Foods, along with a $50-$100 gift card after approval, depending on whether or not a cardholder has a Prime membership.… read full answer
Applicants need at least good credit to get approved for the Amazon Rewards Visa. But that doesn’t mean people with lower credit scores are out of luck. The best Amazon credit card for Prime members with fair credit is the Amazon Store Card from Synchrony Bank, for example. It offers 5% cash back but only if you have a Prime membership. Or, if you don’t want a store-branded credit card, there are some other great options that enable you to earn bonus rewards on Amazon purchases, pay for Amazon purchases with rewards, or both.
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 Match™, American Express Membership Rewards, Capital One Rewards and Hilton Honors.
The best Amazon credit card promotions are the $100 sign-up bonus and the 5% bonus rewards rate on Amazon.com and Whole Foods purchases that the Amazon.com Credit Card gives Prime members. Cardholders without a Prime membership only get a $50 gift card bonus and earn 3% back.
Amazon credit card deals: Amazon-branded credit cards entitle Prime members to exclusive offers on Amazon.com
You can also shop with credit card points/cash back on Amazon.com. Amazon is partnered with several credit card issuers to let you pay for your purchases with rewards. Chase Ultimate Rewards points, Discover cash back, and Citi ThankYou points are eligible.
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