What is the best Amazon credit card?

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.

Top 5 Credit Cards for Amazon Purchases

1. Amazon.com Credit Card – Best Overall
2. Amazon.com Store Card – Best for Fair Credit
3. Chase Sapphire Preferred® Card – Best for “Shop with Points” on Amazon
4. Citi® Double Cash Card – 18 month BT offer – Best for Cash Back
5. Amazon Business American Express Card – Best for Business

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.

To be used on Amazon, or co-branded Amazon? If it's the latter, I agree, Chase's version is better.

If you're looking to just use a credit card on Amazon, I'd say anything with cash back and on a major network. Citi Double Cash is good, maybe Chase Freedom if you catch the 5% bonus category for it.