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Compare Amazon credit cards

Pay off your Amazon.com purchases interest-free in up to 24 months.

Amazon offers a surprisingly robust selection of cards, with Prime members eligible for particularly rewarding card options. We’ve compared Amazon’s options to help you choose one that fits your shopping needs.

Summary of Amazon Credit Cards

Here’s a quick rundown of each Amazon credit card’s major features.

Card nameGift CardFinder ratingRewards
Amazon Rewards Visa Signature Card$50
Not yet rated
3% back at Amazon.com, 2% back at gas stations, restaurants and drugstores and 1% back on all other purchases
Amazon Prime Rewards Visa Signature Card$100
Not yet rated
5% back at Amazon.com, Whole Foods Market and Zappos, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases
Amazon Store Card Credit Builder$10
Not yet rated
N/A
Amazon Prime Store Card Credit Builder$10
Not yet rated
5% back at Amazon.com
Amazon.com Store Card$10
Not yet rated
N/A
Amazon Prime Store Card$40
Not yet rated
5% back for eligible Amazon Prime members
Amazon Business American Express Card$100
Not yet rated
Either 3% back on up to $120,000 (then 1%) or enjoy 60 day terms on US purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market. 2% back at US restaurants, US gas stations, and US wireless telephone services and 1% back on other purchases
Amazon Business Prime American Express Card$125
Not yet rated
Either 5% back on up to $120,000 (then 1%) or enjoy 60 day terms on US purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market. 2% back at US restaurants, US gas stations, and US wireless telephone services and 1% back on other purchases

Which Amazon credit card should I pick?

Before making your choice, know that all Amazon cards come with two versions — a standard and a Prime version. Anyone can get the standard version, but for the Prime version you need an Amazon Prime membership, which is $119 annually (or $59 annually for students). So long as you’re a Prime member, you’ll enjoy the extra features offered by the Prime versions of the card. If you cease membership however, your card will function as the standard version of the card, earning rate and all.

Amazon Rewards Visa Signature Card

This is your go-to card if you frequently shop on Amazon.com and want to earn accelerated cash back on your purchases. The Prime version is particularly valuable, though both offer an Amazon gift card as soon as your card application is approved.

Amazon Rewards Visa Signature CardAmazon Rewards Visa Signature CardAmazon Prime Rewards Visa Signature CardAmazon Prime Rewards Visa Signature Card
Gift card
$50
$100
Cash back
  • 3% back on Amazon.com and Whole Foods Market purchases
  • 2% back at restaurants, gas stations and drugstores
  • 1% back on everything else
  • 5% back on Amazon.com and Whole Foods Market purchases
  • 2% back at restaurants, gas stations and drugstores
  • 1% back on everything else
Amazon Prime membershipxcheckmark
Annual fee
$0
$0 with an Amazon Prime membership
Read review
Read review

Amazon Secured Card

If you have a poor credit score and you can’t get the Amazon Rewards Visa Signature Card, the Amazon Store Card Credit Builder could be a decent alternative. This a secured credit card that you can only use at the Amazon store and either earn cash back on your purchases or get special financing options while building your credit at the same time. With responsible use, Amazon may upgrade your account to an unsecured version of one of their cards.

Amazon Store Card Credit Builder
Amazon Store Card Credit Builder
Amazon Prime Store Card Credit Builder
Amazon Prime Store Card Credit Builder
Gift card
$10
$40
Cash backx5% cash back on Amazon.com
Amazon Prime membershipxcheckmark
Annual fee
$0
$0 with an Amazon Prime membership
Read review
Read review

Amazon.com Store Card

Consider this card if you’re looking for an Amazon store card that lets you earn cash back on your purchases and offers you special financing options. This is an unsecured store credit card.

Amazon.com Store CardAmazon.com Store CardAmazon Prime Store CardAmazon Prime Store Card
Gift card
$10
$40
Cash backx5% cash back on Amazon.com
Amazon Prime membershipxcheckmark
Annual fee
$0
$0 with an Amazon Prime membership
Read review
Read review

Amazon Business American Express Card

Businesses that spend a lot of money on Amazon Business, Amazon Web Services (AWS), Amazon.com and Whole Foods Market, may find the Amazon Business Card to be a useful addition to their wallets. With this card, you can either earn cash back on these purchases or pay them off without interest during a special financing period.

Amazon Business American Express CardAmazon Business American Express Card
Amazon Business Prime AmexAmazon Business Prime American Express Card
Gift card
$100
$125
Cash back
  • 3% cash back on US purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market on up to $120,000 annually, reverting to 1% after. This cash back comes in the form of a statement credit.
  • 2% back at US restaurants, US gas stations and on wireless telephone services purchased directly from US service providers.
  • 1% back on all other purchases
  • 5% back on US purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market on up to $120,000 annually, reverting to 1% after. This cash back comes in the form of a statement credit.
  • 2% back at US restaurants, US gas stations and on wireless telephone services purchased directly from US service providers
  • 1% back on all other purchases
Special financing60 interest-free days on US purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market (Terms apply, see rates & fees)90 interest-free days on US purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market (Terms apply, see rates & fees)
Amazon Prime membershipxcheckmark
Annual fee
$0
$0 with an Amazon Prime membership
Read review
Read review

Note that special financing options cannot be combined with accelerated cashback on Amazon Business, AWS, Amazon.com and Whole Foods Market purchases.

Typical features of an Amazon credit card

All Amazon credit cards share the following features:

  • Two versions of one card.
    Whichever card you go with, you can either get the standard version or the upgraded version with an Amazon Prime membership.
  • Cash back.
    All Amazon credit cards let you earn accelerated cash back on Amazon-related purchases. The only exceptions are the non-Prime versions of the store card and the credit-builder card.
  • Gift card.
    With all Amazon credit cards, you get an Amazon gift card as soon as your credit card application is approved.
  • No annual fee.
    You won’t pay an annual fee for an Amazon credit card. However, you still need to pay for the Amazon Prime membership to get the Prime version of the card.

Amazon credit card points

Amazon markets its cards as cashback cards, but in reality, the Amazon cards earn points you can redeem for cash back. In reward terms, you earn between 1 and 5 points per $1 spent. And you need 100 points to redeem for $1 no matter which redemption option you choose. You can redeem these points on a variety of Amazon services, though keep in mind you won’t earn additional points when you make a purchase using your accrued points.

Bottom line

Amazon credit cards can be a solid option if you’re looking to either earn cash back on your Amazon purchases or pay them off without interest for up to 24 months. Of course, there are plenty of strong alternatives to Amazon credit cards as well. If Amazon’s own offerings don’t strike your fancy, compare other cards that are great for shopping on Amazon.

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