What is the best Amazon credit card?

Question

The best Amazon credit card for cash back is the Prime version of the Amazon.com Store Card because it offers 5% back on Amazon.com purchases for Prime members and gives a $10 Amazon gift card upon approval. The card has a $0 annual fee but requires an Amazon Prime membership to earn rewards on purchases. People without a Prime membership will only receive the gift card. The Amazon.com Store Card can only be used for Amazon.com purchases. There are a few other options you might want to consider as well.… read full answer

Here are the best Amazon credit cards for cash back:

Amazon.com Store Card: 5% back on Amazon.com purchases for Prime members and a $10 Amazon gift card upon approval. Comes with a $0 annual fee, but requires Prime membership to earn 5% back in rewards. Requires fair credit or better (a credit score of 640+) for good odds of approval.

Amazon.com Credit Card: While not strictly a cash back card, it offers 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. Plus, you get a $50 Amazon.com gift card upon approval ($100 for Prime members). Amazon Prime members earn 5 points / $1 on purchases at Amazon.com and Whole Foods Market. That's the equivalent of 5% cash back. $0 annual fee. Requires good credit or better (a credit score of 700+) for good odds of approval.

Wells Fargo Active Cash® Card: Offers more versatility by earning unlimited 2% cash rewards (including Amazon purchases). You also get $200 cash rewards after spending $1,000 in the first 3 months. $0 annual fee. Requires good credit or better (a credit score of 700+) for good odds of approval.

Feel free to also take a look at our editor's picks for the best credit cards for Amazon purchases.

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Answer 1 · 2021-07-01 13:32:24

John S Kiernan, Managing Editor

@John • 07/01/21 This answer was first published on 12/03/20 and it was last updated on 07/01/21.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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.

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 6 Credit Cards for Amazon Purchases

Overall Amazon.com Credit Card
Fair Credit Amazon.com Store Card
Shop with Points on Amazon Chase Sapphire Preferred® Card
Cash Back Citi® Double Cash Card – 18 month BT offer
Business Amazon Business American Express Card

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.

Answer 2 · 2018-04-11 18:46:08

Steve White, Member

@white_steve • 04/11/18 This answer was first published on 04/11/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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.

What is the best Amazon credit card?

John S Kiernan, Managing Editor

Top 6 Credit Cards for Amazon Purchases

Amazon.com Credit Card

Steve White, Member

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