If you’re an Amazon Prime member, you’ll earn a generous cash back rate on Amazon and Whole Foods purchases with this card. While you’ll be responsible for paying for Prime membership, you won’t be charged an additional annual fee.
If you’re one of the more than 200 million Amazon Prime members worldwide, you can earn a generous amount of cash back from your online purchases by using the right credit card. But even without Prime membership, there are several credit cards available that offer anywhere from 2% to 5% cash back on your Amazon purchases.
Some cards may offer a flat cash back rate on all purchases, while others provide rotating categories throughout the year. For Amazon co-branded credit cards, being an Amazon Prime member can unlock higher cash back rates. When deciding on the best option for your needs, consider other card benefits, like intro APR offers and a $0 annual fee.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.If you’re a Prime member, you can earn one of the highest cash back rates currently available for Amazon purchases with this card. You’ll also earn accelerated rewards on Whole Foods, Chase Travel, gas station, restaurant, local transit, and commuting purchases.
Who’s this card best for?
If you regularly purchase items from Amazon, the Prime Visa is a great option, since you can earn a high rewards rate on those purchases. But while the card charges a $0 annual fee, know that you’ll need Prime membership to earn rewards — which runs $139 per year (or $69 per year for college students).
You’ll also get access to a variety of purchase and travel protections with this card, like extended warranty protection, purchase protection, baggage delay insurance, travel accident insurance and lost luggage reimbursement.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.If you’re not an Amazon Prime member, you can still earn a solid cash back rate on Amazon and Whole Foods from an Amazon co-branded card. Plus, you can earn an Amazon gift card immediately upon approval.
Who’s this card best for?
The Amazon Rewards Visa Signature Card is for frequent Amazon shoppers who’ve opted not to get an Amazon Prime membership. The card’s highest cash back rate is tied to Amazon-branded and Chase Travel purchases, but it could be a decent everyday card for those with monthly budgets that include dining out, fuel and purchases and commuting.
The card includes additional benefits as a Visa Signature card and has a $0 annual fee.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.This $0-annual-fee card lets you earn an elevated cash back rate on U.S. online retail purchases – including Amazon purchases.
Who’s this card best for?
The Blue Cash Everyday® Card from American Express is for online shoppers who want to earn cash back rewards for everyday spending, including U.S. supermarkets and U.S. gas purchases. You’ll earn 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%. 1% cash back on other purchases. Terms apply.
If you max out the $6,000 spending cap on U.S. online retail purchases, you can earn $180 back on those purchases alone each year.
This card also offers a long intro APR of 0% on purchases for 15 months (then a regular APR of 18.49%-29.49% Variable), and an intro APR of 0% on balance transfers for 15 months (then a regular APR of 18.49%-29.49% Variable).
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.This $0-annual-fee card lets you earn a high cash back rate in popular spending categories that rotate quarterly (up to the quarterly maximum).
Who’s this card best for?
You can earn a high cash back rate with the Chase Freedom Flex℠ — as long as your spending aligns with the card’s rotating and ongoing spending categories.
In the past, the rotating bonus categories have included grocery stores, gas stations, fitness clubs and more; however, during the second quarter of 2023, you can earn the 5% rate up to the $1,500 quarterly maximum at Amazon.com (upon activation). If you max out the spend cap on Amazon purchases, you’ll earn $75 back on those purchases alone.
Just keep in mind, you have to activate the bonus categories each quarter to earn the elevated cash back rate on those purchases.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.You’ll earn a simple, flat cash back rate on every purchase you make using the Wells Fargo Active Cash® Card — including Amazon purchases.
Who’s this card best for?
The Wells Fargo Active Cash® Card is ideal if you want to get rewarded with cash back for your spending, but don’t want the hassle of keeping track of spending caps or bonus categories. The $0-annual-fee card lets you earn unlimited 2% cash rewards on purchases; plus earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
You’ll also receive a 0% intro APR for 12 months from account opening on purchases (then 19.49%, 24.49%, or 29.49% Variable APR), as well as a 0% intro APR for 12 months from account opening on qualifying balance transfers (then a 19.49%, 24.49%, or 29.49% Variable APR).
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.If you need to make a large Amazon purchase and pay it off over time, the Bank of America® Customized Cash Rewards credit card lets you do so without incurring interest charges for a year and a half.
Who’s this card best for?
If you need time to pay off a big purchase, the Bank of America® Customized Cash Rewards credit card could be ideal since it offers one of the longest interest-free periods currently available among cash back cards. You’ll receive a 0% Intro APR for 15 billing cycles (after, a 18.74% - 28.74% Variable APR applies).
Plus, you can choose from one of six categories to earn 3% cash back in the category of your choice. 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. 1% cash back on all other purchases.
And if you’re an eligible Bank of America Preferred Rewards® member, you have the opportunity to get 25 to 75% more cash back on every purchase.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.If you’re a small business owner who spends a significant amount on Amazon purchases each year, the Amazon Business Prime American Express Card could be a great fit. The card offers a unique opportunity to earn 5% back on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market (on up to $120,000, then 1%) per calendar year or receive 90-day interest-free financing on Amazon Business, AWS, Amazon.com or Whole Foods Market purchases. Plus, you can earn a solid, ongoing rate at U.S. restaurants, U.S. gas stations and on wireless phone services from U.S. providers.
| Credit Cards | Our Ratings | Welcome Offer | Rewards Rate | Annual Fee | |
|---|---|---|---|---|---|
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Prime Visa*
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Get a $200 Amazon Gift Card instantly upon approval exclusively for Prime members | Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% on all other purchases | $0 | ||
|
Amazon Rewards Visa Signature Card*
|
$50 Amazon Gift Card instantly upon approval. | 3% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases, 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and 1% back on all other purchases. | $0 | ||
|
Blue Cash Everyday® Card from American Express*
Learn More
on American Express's secure site |
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. | 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%. 1% cash back on other purchases. Terms apply. | $0 |
Learn More
on American Express's secure site |
|
|
Chase Freedom Flex℠*
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Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. | 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases. | $0 | ||
|
Wells Fargo Active Cash® Card*
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Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months | Earn unlimited 2% cash rewards on purchases | $0 | ||
|
Bank of America® Customized Cash Rewards credit card*
|
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening | 3% cash back in the category of your choice. 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. 1% cash back on all other purchases. | $0 | ||
|
Amazon Business Prime American Express Card*
|
Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card. | 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers. 1% Back on other purchases. | No annual fee |
When deciding which credit card is best to use on Amazon.com, you’ll undoubtedly want to consider the amount of rewards you can earn per dollar spent on Amazon purchases. But there are other important factors you should also look at, including rewards offered on non-Amazon purchases, the annual fee, the interest rate and more.
Earning rate on Amazon purchases. If you want to earn the highest rewards rate possible on your Amazon purchases, this will be the most important factor to consider. There are several cards available that offer between 2% and 5% cash back at Amazon.com.
Earning rate on other purchases. Your other spending matters, so finding a card that aligns with your spending habits, not just with Amazon.com, is best. For example, if you dine out regularly or spend a significant amount on groceries, you should look for a card that offers an elevated rewards rate on those purchases as well.
Annual fee. If a card charges an annual fee, you’ll want to make sure you’ll get enough value from the rewards and benefits it offers to make up for the fee.
That said, many cards that offer accelerated rewards on Amazon.com purchases have no annual fee. But keep in mind — while Amazon-branded cards don’t charge annual fees, they often require Prime membership to earn rewards on your Amazon purchases.
APR on purchases. If you plan to carry a balance on your card from month to month, finding one that offers a 0% intro APR on purchases for a year or longer can help you avoid interest charges while paying off your balance.
Other benefits. Also consider the benefits and protections offered by the card — such as annual credits, purchase protection, extended warranty, cellphone insurance and more — which can really help boost the card’s value.
If you regularly shop on Amazon.com, a card that offers elevated cash back rewards can help offset the cost of those purchases. Assuming you have Prime membership, Amazon-branded cards offer the highest ongoing rewards rates for the retailer.
But if Amazon is only a small portion of your monthly budget, a non-Amazon-branded card that earns high rates in other categories that match your spending habits, like dining or gas, may be best.
Or, to maximize your earning potential, you can also opt for two cards that earn cash back on Amazon purchases. For example, you could use the Chase Freedom Flex℠ to make Amazon purchases during the quarter it offers 5% cash back, and the Blue Cash Everyday® Card from American Express to earn 3% back on your Amazon purchases throughout the remainder of the year.
The best Amazon credit card is the one that best aligns with your spending habits and other needs. For Amazon Prime members, the Prime Visa offers the highest ongoing rewards rate on Amazon purchases. Sometimes, a non-Amazon-branded card is your best option, especially if it earns high bonus rates in categories that are part of your monthly spending.
Amazon credit cards are widely accepted around the world for purchases. Check with your card issuer to verify your credit card is accepted when traveling to other countries.
An Amazon Prime membership costs $139 annually or $14.99 per month. An Amazon Prime Student membership costs $69 annually or $7.49 per month. Prime memberships are subject to sales tax in select states.
To select the best credit cards for Amazon purchases, we reviewed the cards available on LendingTree, as well as those offered by top issuers. We looked at a variety of factors, including the amount of rewards each card offers on Amazon purchases. We also considered the rewards offered in other popular spending categories, sign-up bonuses and rewards redemption options.
Annual fees and introductory APRs also contributed to our choices, as well as useful benefits, like extended warranty and purchase protection.
The information related to the Prime Visa, Amazon Rewards Visa Signature Card, Blue Cash Everyday® Card from American Express, Chase Freedom Flex℠, Wells Fargo Active Cash® Card, Bank of America® Customized Cash Rewards credit card and Amazon Business Prime American Express Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
