The best credit cards for Amazon: 5% or more on Amazon.com purchases

Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.

If Amazon is your go-to online retailer from everything from electronics to toilet paper, you want a card that gives you the most rewards on your Amazon purchases. You can get 5% or more rewards on every Amazon purchases when you use the right credit card.

Here are the best cards to use at Amazon.

The best credit cards to use at Amazon

Card	Why use it at Amazon
Amazon Prime Visa Annual fee: $0 Requires paid Amazon Prime membership.	5% rewards, plus an extended warranty benefit. You must have Amazon Prime to get this version of the card. If you have Amazon Prime, this card is a must have for its rewards, coupled with Chase’s excellent extended warranty benefit. We also like the additional cash back—often 6% and sometimes up to 10% that you can get on select items with the card. More on the Amazon Prime Visa.
Amazon Business Prime American Express Card Annual fee: $0 (See Rates and Fees) Requires paid Amazon Prime membership.	5% rewards for business owners or extended financing for Prime members. You must have Amazon Prime to get this version of the card. 5% rewards only apply to the first $120,000 of purchases each calendar year. Afterward, you’ll earn 1%. 5% back or 90 day terms on U.S. purchases at Amazon.com can be a huge perk for small business owners and the card can give you a meaningful rebate if you spend heavily with AWS. More on the Amazon Business Prime American Express Card.
Chase Freedom Flex℠ Annual fee: $0	5% rewards at Amazon.com from April through June 2024. 5% rewards on up to $1,500 spent in combined purchases in rotating categories each quarter. In Q2, 2024, the rotating bonus categories include Amazon.com While the Chase Freedom Flex’s 5% rewards at Amazon.com will only last for three months, this card is an excellent card to have in your wallet and as of our update offered a very compelling in-branch welcome offer. More on the Chase Freedom Flex℠.
U.S. Bank Shopper Cash Rewards® Visa Signature® Card Annual fee: $0 intro annual fee for the first year, then $95.	Up to 6% back on your Amazon purchases without an Amazon Prime membership. Earn 6% cash back in combined eligible purchases each quarter with two retailers you choose. Eligible retailers include Amazon.com. We like the Shopper Cash Rewards card for its flexibility. You can choose two retailers to earn up to 6% cash back rewards with and you can change your selections each quarter. In most cases, you’ll earn more rewards with the Shopper Cash Rewards card than you will with the brands’ own credit cards.. More on the U.S. Bank Shopper Cash Rewards® Visa Signature® Card.
Bank of America® Customized Cash Rewards Annual fee: $0	Up to 5.25% rewards at Amazon.com for BofA Preferred Rewards members with Platinum Honors. Earn a base 3% cash back rewards on your choice category, and 2% cash back at grocery stores and wholesale clubs on up to $2,500 in combined spending each quarter, then 1%. Your cash back rewards get multiplied by up to 1.75 depending on your tier in Bank of America Preferred Rewards. If you have $100,000 of deposits or investments that qualify for Platinum Honors status in Bank of America Preferred Rewards, Bank of America’s cash back cards begin to offer best-in-class rewards in many categories. More on the Bank of America® Customized Cash Rewards.
Blue Cash Everyday® Card from American Express Annual fee: $0 (See Rates and Fees)	3% cash back on U.S. online retail purchases on up to $6,000 per year, then 1%. Blue Cash Everyday® Card from American Express is a great choice if you shop online and want a card that gives you excellent rewards on a large chunk of your online shopping. More on the Blue Cash Everyday® Card from American Express.

My take on the best cards to use at Amazon.com

If you have an Amazon Prime subscription, the Amazon Prime Visa should be in your wallet, full stop. The card offers 5% cash back rewards on Amazon.com and includes the Chase Extended Warranty benefit. That means you can get an extended warranty on most things you buy on Amazon.com without sacrificing the best rewards. This is the card I use for almost all of my Amazon.com purchases.

I prefer the personal version of the Amazon Prime Visa to the Amazon Business Prime American Express Card because the rewards on the personal card are uncapped. Practically, most people likely won’t hit the $120,000 spending cap for 5% rewards on the Business Prime card, and that card includes an Amex extended warranty benefit. If you’re over 5/24 or want to keep high balances from your small business off your personal credit report, go for that card.

For those without an Amazon Prime membership, the non-Prime versions of the business and personal Amazon cards will give you 3% rewards on your Amazon spending. But other cards on this list give you a path to greater rewards on your Amazon.com purchases, or offer 3% rewards on a large swatch of U.S. online retail purchases. In the second quarter of 2024, the best card for people who don’t subscribe to prime is the Chase Freedom Flex℠, thanks to its inclusion of Amazon.com in it quarterly rotating categories.

Other ways to score a high rate of cash back on Amazon purchases

Amazon credit cards aren’t the only way to get a high rate of cash back on Amazon Purchases. In fact, you can get even more rewards on Amazon purchases by by employing some of these additional strategies.

Buying gift cards at retailers that earn category bonuses and using those gift cards to spend on Amazon. Office supply stores, drugstores, grocery stores, and gas stations frequently sell gift cards, including gift cards to Amazon.com. You can use a credit card that gets a high rate of cash back in one of these categories to buy Amazon gift cards at these places and load them to your account.

Load your Amazon account using 5% rotating category cards. Many of the 5% rotating category cards offer occasional rewards bonuses for Amazon.com spending for three months of the year. You can get 5% on your Amazon purchases if you use these cards to load your Amazon gift card balance when Amazon is a featured 5% category.

More on the best cards for Amazon.com purchases

Here’s a bit more on the best cards to use at Amazon.com.

Amazon Prime Visa: Simple 5% rewards at Amazon.com with no annual fee for Prime members

If you have Prime, the Amazon Prime Visa is the must-have card for Amazon.com spending. In most cases, this is the best card to use for all of your Amazon.com purchases. You’ll get 5% cash back rewards on pretty much everything you buy at Amazon.com, plus you’ll occasionally be offered more. Amazon frequently offers 6% cash back when you opt for slower shipping. In the past, Prime Day has brought Amazon Prime Visa customers 6% cash back on everything, 7% on many purchases if opting for slower shipping, and 10% cash back on some products.

You can learn more about the card’s benefits, rewards, and perks in our overview of the Amazon Prime Visa.

Amazon Business Prime American Express Card – 5% rewards on Amazon purchases for small business owners

While most people will prefer the Amazon Prime Visa for Amazon.com purchases, if you’re a small business owner who makes purchases at Amazon Business or spends money on AWS, you may want the Amazon Business Prime American Express Card. The Amazon Business Prime American Express card earns 5% rewards on U.S. purchases at Amazon.com and Whole Foods Market, but it also earns the same rewards with Amazon Business and AWS. 5% Rewards are capped at $120,000 in spending with the Amazon Business Prime American Express Card. After $120,000 of spending, you’ll earn 1% rewards on your Amazon purchases.

About the Amazon Business Prime American Express Card

The Amazon Business Prime American Express Card is the card for small business owners who want to earn 5% rewards on U.S. Amazon, AWS, and Amazon business purchases. The card has no annual fee, but requires a paid Amazon Prime membership. (See Rates and Fees)

With the Amazon Business Prime American Express card you have the choice between earning 5% back or getting 90 day terms on your Amazon purchases. Eligible Amazon purchases include U.S. purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market. You’ll earn 5% back on the first $120,000 of Amazon purchases each calendar year, then 1%. The card also earns 2% cash back at U.S. restaurants, U.S. gas stations and on wireless telephone services purchased directly from U.S. service providers.

The card comes with a robust set of consumer insurance benefits including extended warranty and purchase protection. You’ll also benefit from the Amex Baggage Insurance Plan and secondary car rental loss and damage insurance when you book your travel or car rentals with the card.

Chase Freedom Flex℠: 5% in rotating categories. In Q2 2024, that includes Amazon.com

The Chase Freedom Flex℠ is a temporary add to this list because it includes Amazon.com in its 5% rotating categories in the second quarter of 2024. You can get 5% rewards on up to $1,500 in total spending across quarterly bonus categories. If you don’t have an Amazon Prime membership, this is the best no-annual-fee card to use from April through June, 2024 at Amazon.com.

There are plenty of reasons to like the Chase Freedom Flex℠. Learn more about the card’s features, benefits and rewards in our overview of the Chase Freedom Flex℠.

U.S. Bank Shopper Cash Rewards® Visa Signature® Card: 6% at two retailers you choose

If you don’t have Prime, the Amazon Visa card will only give you 3% back on your Amazon purchases. If you pay the $95 ongoing annual fee to pick up the U.S. Bank Shopper Cash Rewards® Visa Signature® Card, you can double your Amazon earnings. If you maximize the 6% cash back category at Amazon and one other retailer each quarter, you will end up $85 ahead of the annual fee. If you also shop at warehouse clubs and use the card for your purchases, you can come out even further ahead.

You can learn more about the U.S. Bank Shopper Cash Rewards® Visa Signature® Card from our overview of the card.

Bank of America® Customized Cash Rewards: Up to 5.25% back at Amazon with relationship banking

The key to making the Bank of America® Customized Cash Rewards card a great card to use at Amazon is through Bank of America’s Preferred Rewards program. The card earns 3% back in a category of your choice on up to $2,500 in purchases each quarter. But that 3% becomes 5.25% when you achieve Platinum Honors status with BofA by holding a 3-month combined average daily balance of $100,000 or more across deposit and investment accounts. If you already have Platinum Honors status, it might be worth looking into this card, but most people will probably be fine with sticking with the Prime Visa and foregoing an extra 25 basis points of rewards at Amazon.

Learn more about the card in our overview of the Bank of America® Customized Cash Rewards card. You should also check out how you can get more reward through the Bank of America Preferred Rewards program.

Blue Cash Everyday® Card from American Express: 3% at U.S. online retail

The Blue Cash Everyday® Card from American Express gives you rewards for shopping online. You’ll earn 3% cash back on your purchases at U.S. online retail merchants, groceries at U.S. supermarkets, and gas at U.S. gas stations, on up to $6,000 of spending each calendar year in each category. If you have Amazon Prime, the Amazon Prime Visa is better. Even if you don’t have Prime, but buy a fair amount at Amazon, you can do at least as well with other cards. But the Blue Cash Everyday can give you 3% rewards at a wide variety of U.S. online merchants, making it one of the most flexible cards for extra rewards at Amazon.com.

Learn more about the card in our overview of the Blue Cash Everyday® Card from American Express.

Frequently asked questions

American Express card disclosures

• For rates and fees of the Amazon Business Prime American Express Card, please visit this link: See Rates and Fees
• For rates and fees of the Blue Cash Everyday® Card from American Express, please visit this link: See Rates and Fees

Amex Extended Warranty benefit disclosure: When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.   Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Amex Basic Purchase Protection benefit disclosure: When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.   Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Amex Basic Baggage Insurance Plan benefit disclosure: Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Amex Basic Car Rental Loss and Damage Insurance disclosure: Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.