If you are an online shopper like I am, Amazon has your back. Amazon has almost everything that you might need along with super fast shipping. If you regularly shop on Amazon, consider using a rewarding credit card to maximize return on your spending’s.
For a more comprehensive list, see our best credit card bonuses here.
We have compiled together a list of cards below that will be best for your Amazon purchases.
Best Credit Cards For Amazon Purchases
To make up this list of best credit cards for Amazon purchases, it’s important to look at the card’s earning rate and return on Amazon spend, sign-up bonus and annual fee. With that in mind, this is our list:
To dive deeper into the cards:
The Amazon Prime Rewards Visa Signature Card offers 5% cash back on Amazon purchases with bonuses on plenty of other spending categories. Not only that but you’ll get a $100 gift card when you open your card with no spending requirement.
The card doesn’t have an annual fee, but you are required to be an Amazon Prime member to qualify. This will cost about $119 a year.
If you do not have Prime membership, make your Amazon purchases on Chase Freedom Unlimited® for 1.5% cash back on all purchases (except Lyft rides) which doubles in value when you transfer your rewards to a Chase Sapphire Preferred® Card, Chase Sapphire Reserve® or Ink Business Preferred® Credit Card. This will make your “cash back” into transferable Chase Ultimate Rewards® points, worth $0.02 each based on our valuations.
The Chase Freedom Unlimited® Card offers an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
In addition, you can earn (after your first year or $20,000 spent):
• 5% cash back on Chase travel purchased through Ultimate Rewards
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service,
• Unlimited 1.5% cash back on all other purchases.
There is no minimum to redeem for cash back & your cash back rewards do not expire as long as your account is open.
This card comes with no annual fee and you'll get a free credit score that is updated weekly with Credit JourneySM.
You’ll also get 5% cash back with the Discover It® Cash Back Credit Card with rotating categories. Online shopping is a category you can activate for October 2020 to December 2020. Keep in mind, your 5% bonus is capped at $1,500 in purchases every quarter.
As a sign-up bonus, Discover will match all the cash back you earned at the end of your first membership year.
The American Express EveryDay Preferred only offers 1x points on Amazon purchases, but there are other benefits to the card. You’ll earn American Express Membership Rewards® points which has a return of 2%, based on our valuations.
Amex Offers has double-point promotions for Amazon purchases regularly meaning you’ll get a 4% return via Amex Offers.
And lastly, you’ll earn 50% more points every billing period when you charge at least 30 purchases to your card. If you make one purchase with this Amex card everyday, then you’ll end up with 1.5x points on Amazon spend. If you combine these offers together, you’ll get a solid return of 6% for Amazon purchases.
Here’s a side-by-side comparison of all four cards:
|CREDIT CARD||AMAZON RATE|
|Amazon Rewards Visa Signature Credit Card||5% cash back|
|Chase Freedom Unlimited®||1.5% cash back|
|Discover It® Cash Back Credit Card||5% cash back*|
|American Express EveryDay Preferred||1x points|
*From October 2020 to December 2020.
Although we focused on credit cards for Amazon purchases in this post, you may want to consider other cards with additional earning potential that will match your spending behavior better. For our guide on the best credit cards in other categories, check out these other posts:
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