The best Amazon credit card promotions are the $150 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.
The Amazon.com Credit Card is worth it, especially if you already have an Amazon Prime membership and frequently order from Amazon. That’s because the Amazon.com Credit Card offers 5 points / $1 for Amazon purchases. The Amazon.com Store Card is also worth it, for the same reason; it gives 5% back in rewards cash back to Prime members on Amazon purchases.… read full answer
The Amazon.com Credit Card is worth it if you:
Are an Amazon Prime member and spend enough per year at Amazon.com and/or Whole Foods as a Prime member to cover your Prime membership.
Shop at Whole Foods and Amazon.com often, whether or not you have a Prime membership.
Have good credit or better.
So, the Amazon.com Credit Card is well worth having for both Amazon Prime members and non-members. With this card you get 3 points per $1 spent at Amazon.com and Whole Foods Market, 2 points per $1 spent at gas stations, restaurants and drug stores, and 1 point per $1 spent on all other purchases for everyone.
The Amazon.com Store Card, on the other hand, is definitely a card for Amazon Prime members. For one, you can only use it on Amazon.com. It also gives 5% back in rewards cash back on Amazon purchases to Prime members, while non members get nothing back. Every cardholder gets a $10 Amazon gift card Amazon credit, however.
The Amazon.com Store Card is worth it if you:
Are an Amazon Prime member already.
Spend enough per year on Amazon.com as a Prime member to cover your Prime membership.
Have fair credit and want to build up your credit score without having to pay an annual fee.
Overall, the two Amazon credit cards are most beneficial for Amazon Prime members. Because both cards come with a $0 annual fee, the value is simply a matter of overcoming the Prime membership fee of $139 per year. But you don’t have to be a Prime member to benefit from the Amazon.com Credit Card. Being a frequent customer of Amazon or Whole Foods is enough to make the Amazon.com Credit Card worth it.
The best Amazon Credit Card benefits are its generous rewards and $0 annual fee. Cardholders also enjoy benefits such as travel accident insurance, lost luggage reimbursement, rental car insurance and concierge services.
Amazon.com Credit Card Benefits
$50 Amazon.com gift card upon approval ($100 for Prime members)
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub.
Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.