The right rewards credit card can help you get the most out of your Amazon purchases. Find out which cards yield the best results.
Amazon has gone from an online bookstore to a monstrous e-commerce marketplace selling everything from books to electronic goods to household items – and distributing content like Amazon Prime Video and Audible.
So, for any ardent (or moderate) Amazon fans out there — why not earn rewards on purchases you already make? That, however, begs the question: What is the best Amazon credit card? That mostly depends on whether you’re an Amazon Prime member, plan to be soon or don’t really want a membership at all.
Ostensibly, Amazon credit cards are often the best options when it comes to earning shopping rewards online. However, a few cash back credit cards out there offer reliable rates to compete with the Amazon-branded cards.
Amazon Prime Rewards Visa Signature Card: Best for Amazon Prime members
Why we picked it: The Amazon Prime Rewards Visa Signature Card* and its 5% cash back makes it the best Amazon credit card. Also, Prime membership comes with valuable benefits, such as free two-day shipping on eligible purchases, free streaming of movies and TV shows with Prime Video and Amazon Family discounts on diapers and baby items. Shelling out the fee for Prime membership and getting the Prime card is a good deal if you value these types of services.
- Unlimited 5% cash back on Amazon.com and Whole Foods purchases
- Unlimited 2% cash back on restaurant, gas station and drug store purchases
- $150 Amazon.com gift card upon approval
- Cash back redeemable as statement credit, gift cards, travel and more
- $139 Amazon Prime annual membership (including taxes)
- Ability to link card to only one Amazon Prime account to earn 5% rate
Who should apply: For soon-to-be or current Amazon Prime members, it’s a no-brainer. Frequent Amazon customers (multiple times a month) should also consider getting an Amazon Prime and this card to maximize your Amazon purchases.
Who should skip: Anyone who does plan to get an Amazon Prime membership should skip. If you spend on Amazon.com purchases only a few times a year, you should also skip.
Amazon Rewards Visa Signature Card: Best for casual Amazon shoppers
Why we picked it: Although the Amazon Rewards Visa Signature Card* doesn’t sport a flashy 5% cash back rate, it does offer a pretty good 3% cash back rate on Amazon purchases, which is still higher than most other rewards cards. It also offers a $50 Amazon gift certificate for signing up, the same seamless redemption options as the Amazon Prime card and many of the same purchase protections and Visa Signature benefits – all without requiring you to commit to a Prime membership.
- No annual fee
- 2% cash back on gas station, restaurant and drug store purchases
- Unlimited cash back that doesn’t expire
- Extended warranty and purchase protection benefits
- Relatively small sign-up bonus of $50
- Can only withdraw cash in increments if you redeem through Chase.com
Who should apply: It’s a good deal for people who shop a modest amount on Amazon.
Who should skip: If you want a well-rounded card to earn you solid rewards even when not shopping on Amazon.com, you should consider another option.
Discover it Cash Back: Best for the holiday season
Why we picked it: If you are signing up for the Discover it® Cash Back card for the first time and plan to do a lot of Amazon shopping throughout the holidays, this card may easily beat both of the other Amazon cards.
Upon enrollment, the Discover it Cash Back offers 5% cash back on up to $1,500 in combined spending in categories that rotate quarterly (then 1%), and the fourth quarter category of 2022 (October through December 2022) includes Amazon.com purchases. Like some other Discover credit cards, the Discover it Cash Back doubles all the cash back that you earn in the first year. Essentially, you earn 10% cash back on Amazon purchases for a quarter of the first year.
- Cashback Match at end of the first year
- 0% intro APR on new purchases and balance transfers for 15 months (12.24% to 23.24% variable thereafter)
- No annual fee
- No foreign transaction fee
- Bonus cash back on Amazon.com purchases for only one quarter
- Enrollment required once a quarter
- 5% cash back capped at $1,500, then 1%
Who should apply: Cardholders who love maximizing bonus or rotating categories will love this card. Those looking for a well-rounded cash back credit card will also like it.
Who should skip: If you don’t have the time or patience to enroll quarterly and focus your purchases on a handful of categories, you should look at other cards.
Citi Double Cash Card: Best for flat rate cash back
Why we picked it: Among Citi credit cards and other flat-rate credit cards, the Citi® Double Cash Card is hard to beat. It earns 2% cash back on all purchases – 1% at the time of purchases and 1% when you pay your bill. There’s no limit to how much cash back you can earn. And the flat-rate cash back makes it easy to earn cash back on all your purchases, including those you make on Amazon.com.
- Ability to transfer cash back to Citi ThankYou points at a rate of 100 ThankYou points for every $1
- No category restrictions
- Cash back redeemable for check, statement credit, gift card or direct deposit
- No more rewards shopping at Amazon than anywhere else
- Rewards expire if card is inactive for over 12 months
Who should apply: If you’re looking for a credit card that can consistently earn you solid cash back rewards on online shopping and everything else, the Citi Double Cash may be your best bet.
Who should skip: Those who think up to 2% cash back is too little should skip this card. Cardholders who like the thrill of playing with rotating categories and such will find the card’s flat rate boring.
Bank of America Customized Cash Rewards credit card: Best for flexible rewards
Why we picked it: Perhaps one of the most popular cash back cards on the market, the Bank of America® Customized Cash Rewards credit card and its flexible bonus category make it ideal for those looking to maximize awards on Amazon, but perhaps not all year. With this card, you can choose what category you earn 3% cash back in: gas, online shopping, dining, travel, drug stores, or home improvements and furnishings. And Amazon.com qualifies under Bank of America’s online shopping category.
Other than that, you can also get 2% cash back at grocery stores and wholesale clubs (on up to $2,500 in combined quarterly purchases on 3% and 2% categories), then 1% on all other purchases. The card shines for its flexibility: any month you don’t spend on Amazon purchases, for whatever reason, you can change your bonus category of choice up to once per month.
- $200 online cash rewards if you spend $1,000 in the first 90 days
- Increase cash back rate up to 75% if you qualify for the Preferred Rewards program
- No expiration on cash back
- Cash back rewards in the 2% and 3% categories capped at $2,500 per quarter
- No option to convert cash back into travel points
Who should apply: Cardholders who like earning solid rewards but either deem a flat-rate card too simple or a rotating category card too complicated are good candidates for this card. If you currently have a Bank of America or Merrill account, it could also be a good fit.
Who should skip: If you spend modestly across various categories, you’d do better with a flat-rate rewards card.
Comparing the best cards for Amazon
Each card has its own attributes, but it’s easiest to see how they compete when comparing them side by side:
|Card||Amazon bonus||Other rewards||Annual fee|
|Amazon Prime Rewards Visa Signature Card||5% cash back on Amazon.com purchases and Whole Foods purchases||$0 ($139 Amazon Prime membership required)|
|Amazon Rewards Visa Signature Card||3% cash back on Amazon.com and Whole Foods purchases||$0|
|Discover it Cash Back||5% cash back on rotating category (up to $1,500 per quarter, then 1%)||$0|
|Citi Double Cash Card||· 1% cash back on general purchases|
· 1% cash back when you pay off purchases
|Bank of America Customized Cash Rewards credit card||3% cash back on category of choice (gas, online shopping, dining, travel, drug stores, or home improvements and furnishings)||$0|
How to choose a credit card for Amazon
Of course, all these cards have attributes. How can you choose when they all seem so great? Ask yourself these questions to help narrow down the choices:
- Do you want an Amazon Prime membership? If you already have or will soon have an Amazon Prime membership, the Amazon Prime Visa is a sure choice. For those who don’t want Amazon Prime but still shop regularly at the e-commerce retailer, the Amazon Rewards Visa Signature Card will serve you well.
- How do you want to redeem your cash back? If you’d like to keep things straightforward and redeem rewards on Amazon, the Amazon Rewards Visa Signature Card is an easy choice. For cardholders looking to dive into the travel rewards space, perhaps the Citi Double Cash would be good.
- Bonus categories or rotating categories? Credit card enthusiasts who love maximizing rotating categories will like the Discover it Cash Back. Moderate spenders who prefer greater flexibility all year round will enjoy the Bank of America Cash Rewards card.
For Amazon Prime members, the Amazon Prime Rewards Visa Signature is easily your best bet. However, if you’re on the fence about joining this membership program, you have some math to do.
When shopping for a rewards credit card, don’t feel pressured to get the best card and maximize all its benefits – just get the one that fits your lifestyle and spending habits best.
In the meantime, if you don’t have the best credit, you could also consider Amazon store cards. Plus, there’s plenty of ways to maximize cash back on Amazon.com without getting a cash back card just yet.
*Information about the Amazon Rewards Visa Signature Card and Amazon Prime Rewards Visa Signature Card has been collected independently by CreditCards.com and has not been reviewed or approved by the issuer.