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

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. Here are the best cards to use at Amazon.

The best credit cards to use at Amazon

CardWhy use it at Amazon
Amazon Prime Visa from Chase card art
Amazon Prime Visa
Annual fee: $0
Requires paid Amazon Prime membership.
5% rewards, plus an extended warranty for Prime members.

5% back on Amazon.com purchases with an eligible Prime membership. You’ll also get Chase’s extended warranty and purchase protection without sacrificing rewards.

More on the Amazon Prime Visa.
Amazon Business Prime American Express Card card art
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.

5% back or 90 day terms on U.S. purchases at Amazon.com. 5% rewards on the first $120,000 of purchases each calendar year, then 1%.

More on the Amazon Business Prime American Express Card.
U.S. Bank Shopper Cash Rewards® Visa Signature® Card card art
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.

6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose. Eligible retailers include Amazon.com.

More on the U.S. Bank Shopper Cash Rewards® Visa Signature® Card.
Bank of America® Customized Cash Rewards credit card art
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.

3% cash back in the category of your choice on up to $2,500 in combined spending each quarter in bonus categories.
Up to 5.25% rewards at Amazon.com if you select online shopping as your category and have Bank of America Preferred Rewards with Platinum Honors.

More on the Bank of America® Customized Cash Rewards.
Blue Cash Everyday® Card from American Express card art
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%.

More on the Blue Cash Everyday® Card from American Express.
The best credit cards for Amazon.com purchases

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.

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

The Amazon Prime Visa is the must-have card for Amazon.com spending. If you have Prime, you should get this card and use it for almost 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 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 from Chase card art

Amazon Prime Visa at a glance:
Annual fee: $0 (requires paid Amazon Prime membership)
Rewards: 5% Amazon.com, Whole Foods, Amazon Fresh. 3% Chase Travel. 2% gas, restaurants, local transit and commuting. 1% other purchases.
Benefits: Extended warranty. Purchase protection. Amazon 0% financing offers.

About the Amazon Prime Visa

Amazon Prime Visa from Chase card art
Amazon Prime Visa from Chase

The Amazon Prime Visa, available exclusively to Amazon Prime members, offers its highest rate of cash back on purchases at Amazon. If you have Amazon Prime, this card should be in your wallet… or at least loaded as your default payment method on Amazon. The Prime Visa has no annual fee, but an Amazon Prime membership ($139/year) is required to qualify for the card.

You’ll probably pick up the Prime Visa for its 5% cash back rewards at Amazon.com, Amazon Fresh and Whole Foods Market. But the card also earns 5% back on Chase Travel purchases. In addition to rewards at Amazon, the card will give you 2% back at gas stations, restaurants, and on local transit and commuting, including rideshare services. The card earns 1% back on all other purchases.

Many store credit cards leave out essential benefits, but not the Prime Visa. The card has Extended Warranty and Purchase Protection, so you don’t have to choose between earning maximum cash back and having your purchases protected when you’re buying on Amazon. The card also features baggage delay insurance, lost luggage reimbursement, secondary auto rental collision damage waiver, and travel accident insurance.

Amazon Prime Visa Rewards

5%Amazon.com, Amazon Fresh
5%Whole Foods Market
5%Chase Travel
2%Gas stations
2%Restaurants
2%Local transit and commuting
1%*Everywhere else
Rewards 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.

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 card art

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% Chase Travel. 2% U.S. restaurants, U.S. gas stations and wireless telephone services purchased from U.S. service providers. 1% other purchases.
Benefits: Extended warranty. Purchase protection. 90 day term option.

About the Amazon Business Prime American Express Card

Amazon Business Prime American Express Card card art
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.

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 welcome 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).

Click here to learn more and apply.

Our take on the welcome bonus: This is the standard welcome bonus on this card. U.S. Bank isn’t known to increase the welcome bonus on this card.

The link above is a link directly to the bank’s website. We don’t make money when you use the above link, but we always show you the best offer.

U.S. Bank Shopper Cash Rewards® Visa Signature® Card card art

U.S. Bank Shopper Cash Rewards® Visa Signature® Card at a glance:
Annual fee: $0 intro annual fee for the first year, then $95.
Rewards: 6% at the two retailers you choose, up to $1,500 spending per quarter. 3% in an everyday category on up to $1,5000 spending per quarter. 1.5% all other eligible purchases.

About the U.S. Bank Shopper Cash Rewards® Visa Signature® Card

U.S. Bank Shopper Cash Rewards® Visa Signature® Card card art
U.S. Bank Shopper Cash Rewards® Visa Signature® Card

The U.S. Bank Shopper Cash Rewards® Visa Signature® Card offers a unique and flexible take on rewards: 6% back on a limited amount of spending at your two favorite stores. The card has an introductory annual fee of $0 in the first year, and an ongoing annual fee of $95/year.

You get 6% cash back on the first $1,500 in combined purchases made at two retailers you choose. Popular retailers like Target, Amazon, Walmart, Best Buy, Kohl’s, Home Depot and Ikea are among the choices. In addition, you can choose one 3% category (bills and home utilities, gas and EV charging stations, or Wholesale clubs) and you’ll earn 3% on the first $1,500 you spend at this retailer. All other purchases earn 1.5% cash back.

U.S. Bank does not provide any additional information on benefits of the U.S. Bank Shopper Cash Rewards® Visa Signature® Card. Additional card benefits may be available through Visa Signature. See your card’s Guide to Benefits for details.

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 foregoing an extra 25 basis points of rewards at Amazon.

Bank of America® Customized Cash Rewards credit card welcome bonus:

$200 Online Bonus after making at least $1,000 in purchases in the first 90 days of account opening.

Click here to learn more and apply.

The link above is a link directly to the bank’s website. We don’t make money when you use the above link, but we always show you the best offer.

Bank of America® Customized Cash Rewards credit card art

Bank of America® Customized Cash Rewards at a glance:
Annual fee: $0
Rewards: 3% on a select category. 2% at grocery stores and wholesale clubs. 1% other purchases. 2% and 3% categories are limited to $2,500 in purchases per quarter.

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.

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 card art

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.

About the Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express card art
Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express is the no-annual-fee younger sibling of the Blue Cash Preferred Card. (Terms apply, see Rates and Fees)

The Blue Cash Everyday offers 3% cash back rewards on up to $6,000 per year in each of its bonus categories: U.S. Supermarkets, U.S. online retail, and U.S. gas stations. Plus it offers 1% cash back on other eligible purchases.

The card also offers subscribers to The Disney Bundle a $7 monthly statement credit and Home Chef customers up to $15 a month. Enrollment required for both benefits. Terms apply to all benefits.

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.

American Express rates and fees 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

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.