Prime members can now earn 2 percent back on Amazon purchases without a credit card

Amazon Reload

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Amazon shoppers can now earn 2 percent back on all purchases without having to use an Amazon credit card. Through a new feature titled “Amazon Reload,” Prime members can earn 2 percent rewards after adding money to a virtual Amazon gift card and using it to make purchases on Amazon.com. Amazon Reload is a great option for individuals who are interested in being rewarded for making purchases, but do not qualify for credit card offers, or are not interested in applying for a card.

Here’s how it works:

  1. Sign up for Prime membership. To be eligible for Amazon Reload, you must first become an Amazon Prime member. Prime membership, which costs $99 per year, also gets you free two-day shipping, access to exclusive movies, TV shows and music and unlimited photo storage.
  2. Set up your account. Next, provide your U.S. banking details, including account and routing numbers, as well as your debit card number and U.S. driver’s license number.
  3. Reload your gift card balance. You can load up to $2,000 per day to your gift card balance using the banking information on file. Most reloads are available within five minutes; however, reloads that require a closer review will be available within four hours.

After reloading your gift card, 2 percent of the reload value will automatically be applied to your gift card balance within 24 to 48 hours. For example, if you load $50 to your balance, you will receive a reward of $1. Although earning an extra dollar after spending $50 at Amazon may not seem substantial, it could be worth it if you make several purchases per month at Amazon, or if you plan to buy a large ticket item.

Earning Amazon rewards

Amazon Reload is not the only way you can earn a percentage back on purchases made on Amazon.com. Amazon offers several credit card products that offer up to 5 percent back on purchases. Unfortunately, the 2 percent Reload offer cannot be combined with any of these credit card offers. 

Check out these other opportunities to earn rewards on Amazon purchases:

AMAZON CREDIT CARD OFFERS
Credit card Sign-up bonus Rewards Annual fee
Amazon Prime Rewards Visa Signature $70 Amazon.com gift card at sign-up • 5% back at Amazon.com
• 2% back at restaurants, gas stations and drug stores
• 1% back on all other purchases
$0 ($99 Amazon Prime membership required)
Amazon.com Rewards Visa $50 Amazon.com gift card upon approval • 3% back at Amazon.com
• 2% back at restaurants, gas stations and drug stores
• 1% back on all other purchases
$0
Amazon.com Prime Store card $10 Amazon.com gift card upon approval • 5% back at Amazon.com $0 ($99 Amazon Prime membership required)

The content on this page is accurate as of the posting date. Please see the bank’s website for the most current version of the offer.

Other cards, such as Chase Freedom and Discover it, also offer 5 percent back on Amazon purchases. However, the 5 percent rate only applies to the first $1,500 in purchases, and is limited to spending categories that rotate quarterly. While Chase has not yet announced if Amazon will be added to a bonus category in 2017, Discover plans to offer a bonus on Amazon purchases from October through December 2017 – which may be a great opportunity to complete your holiday shopping while earning 5 percent back at Amazon.com.

See related: Amazon’s new Visa Signature card gives Prime members 5 percent back, Amazon Prime Reload: No-brainer or no, thank you?, Battle of the cards: Amazon Prime or Target Redcarrd?

The editorial content below is based solely on the objective assessment of our writers and is not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. Learn more about our advertising policy


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Updated: 11-17-2017