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Compare Amazon credit cards

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

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Depending on your needs, you can get a variety of Amazon credit cards, including a credit-building card, store card, Visa Signature card or a business credit card. With an Amazon Prime membership, you get an upgraded version of these cards with access to more robust rewards.

Compare Amazon credit cards

Name Product Filter values Rewards Purchase APR Annual fee
Amazon Rewards Visa Signature Card
3% back at Amazon.com, 2% back at gas stations, restaurants and drugstores and 1% back on all other purchases
14.24% to 22.24% variable
$0
Earn % 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
5% back at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases
14.24% to 22.24% variable
$0
Earn 5% back at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases.
Amazon Business Prime American Express Card
5% back or 90 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, 1% back on other purchases
14.24% to 22.24% variable
$0
Earn either 5% back or 90 day terms on US purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market. Earn 2% back at US restaurants, US gas stations, and US wireless telephone services and 1% back on other purchases. Rates & fees
Amazon Business American Express Card
3% back or 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, 1% back on other purchases
14.24% to 22.24% variable
$0
Earn either 3% back or enjoy 60 day terms on US purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market. Earn 2% back at US restaurants, US gas stations, and US wireless telephone services and 1% back on other purchases. Rates & fees
Amazon Prime Store Card
5% back for eligible Amazon Prime members
27.49% variable
$0
The Amazon Prime Store Card, an upgrade from the Amazon.com Store Card, is available to customers with an Eligible Amazon Prime Membership only, subject to credit approval.
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Compare up to 4 providers

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.

Amazon Rewards Visa Signature Card

Who should get this card?

Consider this card if you mostly shop on Amazon.com and want to earn accelerated cash back on your purchases. Also, you get 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

Amazon Store Card Credit Builder

Who should get this 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.

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

Amazon.com Store Card

Who should get this 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

Amazon Business American Express Card

Who should get this 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 CardAmazon Business Prime AmexAmazon Business Prime American Express Card
Gift card
$100
$125
Cash back
  • 3% back on US purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market
  • 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
  • 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 (see rates & fees)90 interest-free days on US purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market (see rates & fees)
Amazon Prime membershipxcheckmark
Annual fee
$0
$0 with an Amazon Prime membership

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.

Once you have earned enough points, redeem for:

  • Purchases at Amazon.com
  • Cash as a statement credit
  • Gift cards
  • Travel purchases

What is the best redemption option?

This largely depends on your needs. But as a general rule, avoid using your points on Amazon.com because that way you miss out on earning points on these purchases.

How to maximize your Amazon points

To get the most of your Amazon points, here’s what to do:

  • If possible, get the Amazon Prime membership to earn the highest rewards rate.
  • Use your Amazon card for Amazon.com and Whole Foods Market purchases.
  • Activate any additional cashback offer you may receive.
  • Buy gift cards on Amazon.com to earn the high rewards rate, for example, Uber gift cards.
  • Redeem points for statement credit or a deposit into an eligible checking or savings account.

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.

But if you don’t find any of these cards appealing, compare other cards that are great for shopping on Amazon.

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