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.
The Amazon credit card—the Prime Visa—is the clear choice for the best credit card to use for Amazon purchases if you have Prime. The card offers the among best cash back rewards you’ll find on every Amazon purchase, an extended warranty benefit that gives you an extra year of warranty coverage, and purchase protection that covers your purchases for 120 days.
In some cases, you might be able to eke out better cash back rewards or rewards in your preferred program with another card. Here are the best credit cards to use at Amazon.
The best credit cards to use at Amazon
| Card | Rewards at Amazon | Relevant Benefits |
|---|---|---|
 Amazon Prime Visa Annual fee: $0 | 5% cash back rewards. Some items offer 6% rewards with deferred shipping. Up to 10% promotional rewards on some items. Requires paid Amazon Prime membership. | Extended warranty. Purchase protection. |
 Amazon Business Prime American Express Card Annual fee: $0 (See Rates and Fees) | 5% cash back rewards on the first $120,000 of U.S. purchases at Amazon.com, Amazon Business, AWS, and Whole Foods Market on the first $120,000 in purchases each calendar year. 1% thereafter. Requires paid Amazon Prime membership. | Extended warranty. Purchase protection. |
 Chase Freedom Flex℠ Annual fee: $0 | 5% rewards in rotating categories, which sometimes includes Amazon.com 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. | Extended warranty. Purchase protection. |
 U.S. Bank Shopper Cash Rewards® Visa Signature® Card $0 intro annual fee for the first year, then $95. | Up to 6% back on your Amazon purchases. Earn 6% cash back in combined eligible purchases each quarter with two retailers you choose. Eligible retailers include Amazon.com. | Extended warranty. Return protection. Purchase security. |
 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. | Extended warranty. |
 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%. | Purchase protection. |
What credit card perks matter for Amazon purchases?
Most Amazon shoppers will prioritize cash back on Amazon purchases. For recurring purchases of household staples and small items, cash back is probably your sole priority.
But if you’re buying large, expensive items at Amazon, don’t discount the value of an extended warranty benefit and purchase protection. Having these perks on the credit card you use at Amazon can protect the items you buy from theft or damage for a few months after you buy them or cover you if something you buy stops working, usually within one year of the original manufacturer’s warranty expiring.
My take: The cards I use on Amazon purchases
I have an Amazon Prime subscription and use the Amazon Prime Visa for pretty much everything I buy on the site.
Between the card’s 5% cash back rewards on Amazon.com purchases and the Chase extended warranty benefit that adds an extra year of warranty protection to pretty much everything I buy, there’s usually no reason for me to use another card.
Here are the cases I can recall when I’ve used another card:
- I charge some purchases to my Chase Freedom Flex℠, when it includes Amazon in its quarterly rotating 5% categories. The points I earn with the Freedom Flex are Ultimate Rewards, which I can use with my Ink Business Preferred® Credit Card for increased value with travel redemptions.
- Occasionally, I’ve seen an Amex Offer pop up that meant it made sense to use one of my Amex cards for Amazon purchases, but that hasn’t happened for quite some time.
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.
Amazon Prime Visa highlights
- 5% cash back at Amazon.com, Amazon Fresh, Whole Foods Market and Chase Travel purchases.
- 2% back at gas stations, restaurants and on local transit.
- 1% back on other purchases.
- Extended warranty and purchase protection.
Learn more about the Amazon Prime Visa from our review of the card.
Amazon Prime Visa welcome bonus:
Amazon Prime Visa from Chase: Receive a $100 Amazon gift card upon approval when you have a Prime membership. (If you do not have Amazon Prime, you’ll see an offer for the non-Prime version of the card, the Amazon Visa.)
Click here to learn more and apply:
Our take on the welcome bonus: The Amazon Prime Visa is an essential card for Amazon shoppers with Prime. A $100 Amazon gift card after approval is the best welcome bonus we know of on this card.
The link above is a referral link. Someone on our team may earn points if you apply and are approved to the link above.
Amazon Prime Visa at a glance:
Annual fee: $0 (requires paid Amazon Prime membership)
Rewards: 5% Amazon.com, Whole Foods, Amazon Fresh. 5% Chase Travel. 2% gas, restaurants, local transit and commuting. 1% other purchases.
Benefits: Extended warranty. Purchase protection. Amazon 0% financing offers.
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.
Amazon Business Prime American Express Card highlights
- 5% back or 90 day terms on U.S. purchases at Amazon.com, Amazon Business, AWS, and Whole Foods Market.
- 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.
- Extended warranty and purchase protection.
card_name welcome bonus:
bonus_miles_full See Rates and Fees
Click here to learn more and apply.
Our take on the welcome bonus: The standard welcome bonus on this card is slightly higher than the welcome bonus on the personal version of this card. Amazon and Amex don’t often increase the
The link above is our affiliate link. We always show you the best offer, and this is the best offer we know about on this card.
Amazon Business Prime American Express Card at a glance:
Annual fee: Annual fee: $0 (requires paid Amazon Prime membership)
Rewards: 5% U.S. purchases at Amazon Business, AWS, and Amazon.com. 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.
Benefits: Extended warranty. Purchase protection. 90 day term option.
Chase Freedom Flex℠: 5% in rotating categories. In Q2 2024, that includes Amazon.com
The Chase Freedom Flex℠ gets its spot on this list because it includes frequently includes Amazon.com in its 5% rotating categories, including in the second quarter of 2024. When Amazon is part of the card’s 5% categories, you can earn 5% cash back on a no-annual-fee card without having a Prime membership. The Freedom Flex earns Ultimate Rewards® points.
Chase Freedom Flex℠ highlights
- 5% cash back on up to $1,500 on combined purchases each quarter in rotating bonus categories when you activate.
- 5% cash back on travel purchased through Chase Travel.
- 3% on dining and at drug stores.
- 1% back on eligible purchases.
- Extended warranty and purchase protection.
Learn more about the Chase Freedom Flex℠ from our review of the card or read about Ultimate Rewards® and how you can transfer your Freedom Flex points to a premium Ultimate Rewards card.
Chase Freedom Flex℠ welcome bonus:
Before you apply through the link below, be sure to see our coverage of the best welcome bonus on this card. There may be a better offer in-branch.
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
Click here to learn more and apply for the Chase Freedom Flex℠.
Our take on the welcome bonus: $200 after $500 is the standard welcome bonus on this card.
The link above is a referral link. Someone on our team may earn points if you apply and are approved to the link above. We always show you the best offer, and this is the best offer we know about on this card.
Chase Freedom Flex℠ at a glance:
Annual fee: $0
Rewards: 5% in rotating categories (up to $1,500 in combined purchases per quarter). 5% travel through Chase. 3% dining. 3% drugstores. 1% other purchases.
Benefits: Extended warranty. Purchase protection. Cell phone protection.
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.
U.S. Bank Shopper Cash Rewards® Visa Signature® Card highlights
- 6% cash back on your first $1,500 in combined eligible purchases at two retailer you choose from a list of around 24 select retailers.
- 3% cash back on your first $1,500 in eligible purchases in one select everyday category.
- 1.5% cash back on other eligible purchases.
- Extended warranty, return protection, and purchase protection.
You can learn more about the U.S. Bank Shopper Cash Rewards® Visa Signature® Card from our overview of the card.
Annual fee: $0 intro annual fee in the first year, then $95.
This is a direct bank link. All information about U.S. Bank Shopper Cash Rewards® Visa Signature® Card has been collected independently by cardsandpoints.com.
U.S. Bank Shopper Cash Rewards® Visa Signature® Card sign-up bonus
Get a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening. And enjoy $0 annual fee the first year ($95/year thereafter).
The welcome bonus requires more spending than the best easy cash back welcome bonuses, but having 120 days to earn the bonus is nice.
More about this card
Benefit highlights:
Extended warranty protection.
Return protection.
Purchase security.
Rewards:
6% on your first $1,500 of combined eligible purchases at two select retailers you choose.
3% on your first $1,500 of eligible purchases in one select everyday category you choose.
1.5% on other eligible purchases.
Rewards are earned as cash back.
Learn more:
Learn more about the Shopper Cash Rewards in our review 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.
Bank of America® Customized Cash Rewards highlights
- Get a 1.75x rewards multiplier if you qualify for Platinum Honors status in the Bank of America Preferred Rewards program.
- 3% cash back in the category of your choice (select from gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishing)
- 2% cash back at grocery stores and wholesale clubs.
- 3% and 2% categories earn increased rewards on the first $2,500 in combined purchases each quarter, then 1%.
- 1% on all other purchases.
- Extended warranty.
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.
Annual fee: $0
This is a direct bank link. All information about the Bank of America® Customized Cash Rewards credit card has been collected independently by cardsandpoints.com.
Bank of America® Customized Cash Rewards credit card sign-up bonus
$200 Online Bonus after making at least $1,000 in purchases in the first 90 days of account opening.
The bonus is about average for a card with no annual fee.
More about this card
Benefit highlights:
Extended warranty.
Rewards:
3% cash back in a select category of your choice: gas and EV charging stations, online shopping/cable/streaming/internet/phone plan, dining, travel, drug store/pharmacy, or home improvement/furnishings.
2% cash back at grocery stores and wholesale clubs.
Bonus rewards in 2% and 3% categories are limited to the first $2,500 in spending each quarter. Additional purchases earn 1% cash back
1% cash back on all other purchases.
Rewards get multiplied by up to 1.75x depending on your Bank of America Preferred Rewards status.
Learn more:
Learn more about the card in our review of the Customized Cash.
Read more about 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.
Blue Cash Everyday® Card from American Express highlights
- 3% cash back on U.S. online retail purchases on up to $6,000 per year in purchases, then 1%.
- 3% cash back on groceries at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% cash back on gas at U.S. gas stations on up to $6,000 per year in purchases, then 1%.
- 1% on all other purchases.
- Extended warranty.
Learn more about the card in our overview of the Blue Cash Everyday® Card from American Express.
card_name welcome bonus:
bonus_miles_full See Rates and Fees
Click here to learn more and apply.
Our take on the welcome bonus: This is the standard welcome bonus offered on this card. American Express rarely increases the welcome bonus of this card.
The link above is our affiliate link. We always show you the best offer, and this is the best offer we know about on this card.
Blue Cash Everyday® Card from American Express at a glance:
Annual fee: $0
Rewards: 3%* groceries at U.S. supermarkets. 3%* U.S. online retail. 3%* U.S. gas stations. 1% other purchases. *3% categories each limited to $6,000 of spending per year, then 1%.
Benefits: Disney Bundle credit. Purchase protection.
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.
Frequently asked questions
Do I have to have Amazon Prime to get an Amazon Visa card?
No. You can get an Amazon Visa card without a Prime membership, but you’ll receive a version of the card that only offers 3% back on Amazon purchases.
Is it possible to get 5% cash back on everything I purchase on Amazon?
Yes. This is relatively simple if you have Amazon Prime. The Amazon Prime Visa earns 5% cash back on Amazon purchases.
Does the Amazon Prime Visa have an extended warranty?
Yes. The Amazon Prime Visa includes Chase’s extended warranty benefit, which gives you an extra year of warranty coverage on eligible warranties of three years or less.
What are the downsides of the Customized Cash for Amazon?
If you are a Preferred Rewards customer with Platinum Honors or higher status, you might be tempted to use the Bank of America® Customized Cash Rewards card for all of your Amazon purchases. But remember that the card does not offer an extended warranty benefit. The Prime Visa or another card may be a better bet if you care about warranty coverage.
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.
