If you’re an Amazon shopper, getting a card specifically to use at Amazon can boost the rewards you earn. Amazon’s own cards offer 5% (and often greater) rewards with a Prime membership, but there are plenty of other great cards to use as well—some offering as high as 6% rewards, even without Prime.
Here’s our take on the best cards to use at Amazon.com.
The best credit cards for Amazon.com
Prime Visa
5% cash back at Amazon.com, Amazon Fresh, and Whole Foods Market.
What sets it apart: Uncapped 5% cash back at Amazon, extended warranty and purchase protection.
This card is only available to you if you have an active Amazon Prime membership.
Amazon Business Prime American Express Card
5% back or 90 day terms on U.S. purchases at Amazon.com, Amazon Business, AWS, and Whole Foods Market on the first $120,000 in purchases each calendar year, 1% Back thereafter.
What sets it apart: 5% back on several Amazon business services
This card is only available to you if you have an active Amazon Prime membership on an Amazon Business account.
U.S. Bank Shopper Cash Rewards® Visa Signature® Card
6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose. Choose Amazon.com as one of your retailers to earn 6% cash back.
What sets it apart: Highest cash back available on Amazon purchases, even without having Amazon Prime.
Other cards worth considering
| Amazon Visa 3% cash back at Amazon.com, Amazon Fresh, and Whole Foods Market. Annual fee: $0 |  |
| Amazon Business American Express Card 3% back or 60 day terms on U.S. purchases at Amazon.com, Amazon Business, AWS, and Whole Foods Market on the first $120,000 in purchases each calendar year, 1% Back thereafter. Annual fee: annual_fees |  |
| Bank of America® Customized Cash Rewards credit card Up to 3% (5.25% with Preferred Rewards with Platinum Honors) in a category you select on up to $2,500 of spending each calendar quarter. Annual fee: annual_fees Review |  |
| Blue Cash Everyday® Card from American Express 3% cash back on U.S. Online Retail purchases, on up to $6,000 per year in purchases (then 1%). Annual fee: $0 () Annual fee: $0 Review Welcome Offer |  |
| Chase Freedom Flex® Has historically offered Amazon as a 5% bonus category during the second calendar quarter each year. Annual fee: $0 Review Welcome Offer Chase Freedom bonus categories |  |
| Citi Dividend Card Has historically offered Amazon as a 5% bonus category during the first calendar quarter each year. Annual fee: $0 Review Citi Dividend bonus categories |  |
Why get a credit card for Amazon?
Getting a credit card specifically for your purchases at Amazon can make sense if you spend a lot at Amazon.com, since you’ll get more rewards with one of our picks than you’ll get on your other credit cards. And if you pay for Amazon Prime, there’s a good chance that you’re spending enough at Amazon to justify getting the Prime Visa or another card on our list.
Think of it this way: If you’re spending $5,000 a year at Amazon.com, that’s $250 in rewards at 5%—$150 more than you’d get even with a 2% cash back card. And since many of the cards on our list have no annual fee, that’s an easy win.
If you have Amazon Prime, you almost certainly spend enough at Amazon.com to justify picking up the Prime Visa.
When and how to use your Amazon card
If you get the Amazon Prime Visa, the answer is simple. Just set your Prime Visa as your default payment card for Amazon.com. If you shop at Whole Foods Market or Amazon Fresh, use the card at those retailers as well.
For all of the other cards on the list where there’s a cap on the bonus rewards you can earn, consider how much you normally spend at Amazon.
When to use another card
In most cases, our picks for the best cards to use at Amazon offer relatively lackluster rewards elsewhere. For most purchases, you’ll want to use a 2% cash back card, a card that earns a category bonus, or offers more useful benefits.
Our methodology: How we picked the best cards for Amazon
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.
Here are the points we considered when putting together out list of the best cards to use at Amazon:
- Cash back on purchases. Amazon.com sells. For most of our purchases, we simply want the most cash back possible.
- Not everyone has an Amazon Prime membership. You might be a frequent Amazon.com shopper, but have opted out of paying for an annual subscription to spend money at Amazon.com. We get it. That’s why we included cards that do not require an Amazon Prime membership.
- Extended warranty, purchase protection, and return protection. When we buy durable goods—things like electronics and home appliances—we prioritize getting an extended warranty and purchase protection benefits. Amazon’s standard return policy is 30 days, so it’s nice to have return protection for some purchases.
Editor’s overall pick: Amazon Prime Visa
Picking a single card to recommend for Amazon is easy: The Prime Visa is the best card for most people. The card’s 5% cash back at Amazon.com with no annual fee is a strong start. But the included purchase protection and extended warranty protection mean that there’s really not any reason to use any other card when shopping at Amazon.
Sure, you can get slightly more cash back other cards, but these other cards have annual fees or require a banking relationship. Against these cards, the Prime Visa wins for simplicity.
Who it’s best for: Most Amazon Prime members. Between the Prime Visa‘s 5% cash back rewards at Amazon.com and the card’s extended warranty and purchase protection benefits, there’s little reason to use any other card.
Sign up bonus: Get a $150 Amazon Gift Card instantly upon approval with an eligible Prime membership. Learn how to apply.
Annual fee: $0. Additionally, the card requires an eligible Amazon Prime membership, currently $139/year.
Amazon Prime Visa at a glance
The Prime Visa offers 5% cash back rewards at most Amazon brands, plus Chase extended warranty and purchase protection, making it one of the best cards to use at Amazon.
Prime Visa Welcome Offer
Welcome offer: Get a $150 Amazon Gift Card instantly upon approval with an eligible Prime membership.
This link is a referral link. Someone from our team or community may earn a referral bonus if you are approved through this link
Annual fee: $0
Rewards
- 5% on Amazon.com.
- 5% on Amazon Fresh online or in-store.
- 5% at Whole Foods Market.
- 5% on Chase Travel℠ purchases.
- 2% at gas stations.
- 2% at restaurants.
- 2% on local transit and commuting, including rideshare.
- 1% on other purchases.
Rewards are earned as cash back.
Benefits
Consumer insurance benefits
Travel insurance benefits
- Auto rental collision damage waiver.
- Baggage delay insurance.
- Lost luggage reimbursement.
- Travel accident insurance.
- Travel and emergency assistance.
Rates and Fees
- Annual fee: $0
- Foreign transaction fee: None
Learn more: Read why the Amazon Prime Visa is one of our favorites in our review of the Prime Visa.
Amazon Business Prime American Express Card
Who it’s best for: If you’re a small business owner paying for AWS (Amazon Web Services) you’ll want to consider the Amazon Business Prime American Express Card for its 5% rewards on U.S. purchases of AWS services on up to $120,000 in spending each year. (Then 1%)
Welcome offer: bonus_miles_full Learn how to apply. (See Rates and Fees)
Annual fee: annual_fees. Additionally, the card requires an eligible Amazon Prime membership, currently $139/year.
Amazon Business Prime American Express Card at a glance
Annual fee: annual_fees
Requires paid Amazon Prime membership.
Foreign transaction fee: foreign_transaction_fee
(See Rates and Fees)
The Amazon Business Prime American Express Card offers 5% rewards on up to $120,000 of eligible Amazon spending, including U.S. purchases at Amazon Business and AWS. (After $120,000 of eligible spending, you’ll earn 1% for the remainder of the calendar year.)
Welcome offer
Best welcome offer: bonus_miles_full
Learn how to apply.
This welcome offer is earned as an Amazon gift card.
Rewards
- 5% back or 90 day terms on U.S. purchases on Amazon.com with an eligible Prime Membership.
5% rewards are limited to the first $120,000 of purchases of 5% eligible purchases each calendar year. Afterward, you will earn 1%. Purchases financed with 90 day terms do not count toward this cap. 5% eligible Amazon purchases include U.S. purchases at:- Amazon.com
- Amazon Business
- AWS
- Whole Foods Market
- 2% back on U.S. purchases at restaurnats.
- 2% back on U.S. purchases at gas stations.
- 2% back on wireless phone services purchased directly from U.S. service providers.
- 1% on other purchases.
Rewards are earned Amazon Rewards, which can be used toward eligible purchases at Amazon.com and Amazon Business or toward a charge on your statement. Rewards cannot be directly redeemed for cash back or a statement credit.
Benefits
Consumer insurance benefits
Travel insurance benefits
- Baggage Insurance Plan.
- Car Rental Loss and Damage Insurance.
U.S. Bank Shopper Cash Rewards® Visa Signature® Card
Who it’s best for: Cash back maximizers who want 6% cash back at the two stores where they spend the most. The U.S. Bank Shopper Cash Rewards® Visa Signature® Card also offers purchase security, return protection, and extended warranty protection—the best suite of consumer insurance protections of any card on this list.
Welcome offer: Earn a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening. Learn how to apply.
Annual fee: $0 intro annual fee for the first year ($95/year thereafter).
U.S. Bank Shopper Cash Rewards® Visa Signature® Card at a glance
Annual fee: $0 intro annual fee for the first year ($95/year thereafter)
Foreign transaction fee: 3% of each foreign transaction
All information about the U.S. Bank Shopper Cash Rewards® Visa Signature® Card has been collected independently by cardsandpoints.com.
The U.S. Bank Shopper Cash Rewards® Visa Signature® Card can offer the most cash back (up to 6% cash back) at two select retailers you choose.
Sign-up bonus
Earn a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening. Learn how to apply.
Rewards
- 6% on your first $1,500 in combined eligible purchase each quarter with two retailers you choose.
- 3% on your first $1,500 in eligible purchases each quarter on your choice of one everyday category.
Eligible everyday categories include wholesale clubs, gas and EV charging stations, and bills and utilities. - 1.5% on all other eligible purchases.
Rewards are earned as cash back.
Eligible 6% retailers
With the U.S. Bank Shopper Cash Rewards® Visa Signature® Card, you can choose two retailers to earn 6% cash back on up to $1,500 in combined eligible purchases each quarter. Here’s the list of eligible retailers.
- Ace Hardware®
- Apple®
- Amazon.com®
- Anthropologie®
- Bed, Bath, & Beyond®
- Best Buy®
- Chewy.com®
- Crate and Barrel™
- Disney®
- Home Depot®
- Ikea®
- Kohl’s®
- Lowe’s®
- Lululemon®
- Macy’s™
- Menards®
- Nordstrom™
- Pottery Barn®
- QVC®
- Restoration Hardware™
- Target®
- Walmart®
- Wayfair.com
- Williams Sonoma®
Benefits
Consumer insurance benefits
- Purchase security.
- Return protection.
- Extended warranty protection.
Travel insurance benefits
- Travel and emergency assistance services.
Partner benefits and statement credits
- Free Shipt membership until 12/31/24 with enrollment. After free membership expires, you are automatically enrolled in an annual Shipt membership at then-current prices until you cancel.
Learn more: Check out our review of the U.S. Bank Shopper Cash Rewards® Visa Signature® Card. is your ticket to getting up to 6% cash back rewards at Amazon.com year-round.All information about the U.S. Bank Shopper Cash Rewards® Visa Signature® Card has been collected independently by cardsandpoints.com.
More ways to earn more rewards: Gift cards and preloading your account
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.
Our perspective: How we use the card
While our best card lists are based on our methodology, the members of our team often sometimes have different perspectives.
I’m an Amazon Prime member, and I’ve had the Prime Visa since the beginning. This is the card that I use for almost everything on Amazon. And I don’t use the card at all outside of Amazon.
I did recently apply for the Amazon Business Prime American Express Card to separate my business Amazon purchases from my personal purchases. I like the fact that the card includes Amex return protection, but Amazon’s return policy is so good that I don’t think I’ll get much benefit from this.
While I am a Bank of America Preferred Rewards member, and I could be getting 5.25% cash back with my Bank of America® Customized Cash Rewards credit card, I prefer to use this card for other online retailers that don’t offer such as easy to use card.
Sometimes I’ll use the Chase Freedom Flex℠, when it includes Amazon in its quarterly rotating 5% categories because I like earning Ultimate Rewards® points and I’ll occasionally switch to an American Express card when there’s an Amex Offer for Amazon available, but 95%+ of my Amazon purchases get charged to my Prime Visa.
Bottom line: The Prime Visa is best amazon credit card for most
If you want the best card to use at Amazon, chances are you are a Prime member, and if that’s the case, the Prime Visa is the obvious pick. It offers top-of-market rewards among cards with no annual fee, plus essential consumer insurance protection that can protect the things you buy at Amazon.
