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-$70 gift card after approval, depending on whether or not a cardholder has a Prime membership.
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 for you depends on your credit score and whether you plan to use the card solely for Amazon.com purchases or other things, too. There are more choices than you might think, and all of the best Amazon credit cards have something unique to bring to the table.
Best Amazon credit cards by category:
Best Amazon Credit Card Overall: Amazon Rewards Visa
Issued by Chase. 5 points / $1 spent at Amazon and Whole Foods (5 with a Prime membership). 2 points / $1 at gas stations, grocery stores and drugstores and 1 point / $1 everywhere else. Redeem 100 points for $1 off an Amazon purchase. $50 gift card 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 Everyday Credit Card for Amazon Spending: Blue Cash Everyday Card
$200 back after you spend $1,000 within the first 3 months. 3% cash back at supermarkets (on up to $6,000 per year). 2% cash back at gas stations and at select department stores. 1% back on all other purchases. $0 annual fee. Good credit needed.
Best cash bonus: Chase Freedom Flex
$200 bonus when you spend $500 in the first 3 months. 5% cash back on up to $1,500 spent per quarter in rotating categories, 5% on travel through Chase and 3% on dining and drugstores. 1% back on everything else. Can use rewards at a 1:1 ratio directly on Amazon.com. $0 annual fee. Good credit needed.
Best for Shop with Points on Amazon: Chase Sapphire Preferred
60,000 bonus points for spending $4,000 in the first 3 months. 2 points / $1 on travel and dining and 1 point / $1 on everything else. Can pay with points at Amazon at a rate of 1 cent per point. $95 annual fee. Good 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 point / $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 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.… read full answer
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.
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.
The best Amazon.com Credit Card benefits are a $50 Amazon.com gift card after account approval ($70 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.
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