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.
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% cash back to Prime members on Amazon purchases.… read full answer
More specifically, 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, 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% cash back on Amazon purchases to Prime members, while non members get nothing back. Every cardholder gets a $10 Amazon credit, however.
The Amazon.com Credit Card is worth it if you:
Are an Amazon Prime member and spend at least $980 per year at Amazon.com and/or Whole Foods as a Prime member (this will pay for your Prime membership).
Shop at Whole Foods and Amazon.com often, whether or not you have a Prime membership.
Have “good” credit or better.
The Amazon.com Store Card is worth it if you:
Are an Amazon Prime member already.
Spend at least $2,180 per year on Amazon.com as a Prime member (this will pay for 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 $119 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.com Credit Card benefits are a $50 Amazon.com gift card after account approval ($100 for Prime members) and 3% back at Amazon.com and Whole Foods (5% for Prime members). With this card, you also earn 2% back at gas stations, restaurants and drugstores (1% on all other purchases). These benefits apply to the Amazon.com Credit Card, which is issued by Chase Bank and can be used anywhere Visa is accepted. Synchrony Bank issues the … read full answerAmazon.com Store Card, which can only be used at Amazon.com but gives Prime members 5% back on purchases, too. Cardholders also get a $10 Amazon.com Gift Card upon the approval of their credit card application.
Prime members who are approved for either the Amazon.com Credit Card or the Amazon.com Store Card will automatically receive a Prime branded version.
Some other Amazon credit card benefits and perks include…
No annual or foreign transaction fee: The Amazon.com Credit Card has no foreign transaction fee, which means you can shop from internationally based merchants without pesky surcharges on each purchase. Since the Amazon.com Store Card can only be used on Amazon.com, there’s no foreign transaction fee to worry about.
Neither the Amazon.com Credit Card nor the Amazon.com Store Card charge annual fees. But you’ll need to pay the annual Prime membership fee for the best rewards.
Visa Signature perks: The Amazon.com Credit Card is a Visa Signature card, which means you will receive Travel Accident Insurance, Auto Rental Collision Damage Waiver, Extended Warranty Protection, and Purchase Protection. Other features include Lost Luggage Reimbursement, Baggage Delay Insurance, and access to Visa’s Luxury Hotel Collection. The Amazon.com Store Card is not eligible for these benefits.
Redemption options: The Amazon.com Credit Card is a points card, where 100 points equals $1 in rewards. Points can be used to make part or all of a purchase on your credit card. They can be redeemed for cash back in the form of a statement credit or electronic deposit into a checking or savings account. You can also redeem points for gift cards as well as travel booked through Chase.
The 5% back on the Amazon.com Store Card can be redeemed as a monthly statement credit or be used for purchases on Amazon.com.
These cards are an awesome way to save on Amazon spending, at the very least. The Amazon.com Credit Card is a solid choice for earning rewards on everyday purchases anywhere Visa is accepted. And the Amazon.com Store Card is great for people with fair credit or better, especially Prime members.
The main difference between the Amazon Store Card and the Amazon Credit Card is that the former can only be used to make purchases at Amazon and where Amazon Pay is accepted, whereas the latter can be used pretty much anywhere in the world. This leads to a second difference, which is the approval requirements. It's easier to get approved for the Amazon Store Card, which requires just fair credit, while you'll need at least good credit to get the Amazon Credit Card.… read full answer
The Amazon Credit Card also offers better rewards and a better initial bonus if you have Amazon Prime ($100 gift card vs. $10 gift card). Plus, it rewards you for non-Amazon purchases as well, with 2 points for every eligible $1 spent at gas stations, restaurants and drugstores, and 1 point for every other $1 spent.
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.