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Best credit cards for Amazon purchases

Earn rewards on all of your Amazon.com purchases.

The best credit cards for Amazon purchases earn the biggest rewards on Amazon purchases. For the most part, Amazon’s own cobranded credit cards are the top pick, as they come with a stellar 5% cashback rate for Amazon Prime members, with non-members earning slightly less. You do have alternatives however, such as some Discover cards earning similar rates albeit for limited periods of time. We compared all credit cards that earn more than 2% on Amazon.com purchases and selected the top cards that offered either a higher rewards rate than 2% or offered a 0% interest promo on Amazon.com purchases. Our top picks stayed steady for 2022, though we rounded out our choices with a few other Amazon-focused cards that can make for good choices for non-prime members.

What are the best credit cards for Amazon purchases?

Best credit card for a variety of cashback categories

Chase Freedom Flex℠

Finder rating 4.7 / 5 ★★★★★

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Unlike the Amazon credit cards where you get accelerated cash back on Amazon purchases all year, the Chase Freedom Flex℠ lets you earn only if Amazon purchases are an accelerated category for three or six months in a year. On the flip side, you get to earn accelerated points on other cashback categories that rotate each quarter, such as grocery stores, gas stations, restaurants or Walmart and PayPal.

Best Amazon card for Amazon Prime members

Amazon Prime Rewards Visa Signature Card

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If you frequently shop at Amazon.com and you're an Amazon Prime member, getting the Amazon Prime Rewards Visa Signature Card is a no-brainer. You get to earn one of the highest cashback rates on your Amazon purchases plus you get a solid Amazon gift card as soon as your card is approved.
The information about Amazon Prime Rewards Visa Signature Card has been collected independently by Finder and has not been reviewed or provided by the issuer.

Best Amazon card for non-Prime members

Amazon Rewards Visa Signature Card

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If you don't have an Amazon Prime subscription and don't plan on getting one, the Amazon Rewards Visa Signature Card is a good choice. You'll earn 3% back at Amazon.com and Whole Foods Market, which is a strong rate.
The information about Amazon Rewards Visa Signature Card has been collected independently by Finder and has not been reviewed or provided by the issuer.

Best credit-building card for Amazon Prime members

Amazon Prime Store Card Credit Builder

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Consider the Amazon Prime Store Card Credit Builder if you're looking to build credit and you have an Amazon Prime membership. This card gets you accelerated cash back on all Amazon purchases, something you can't find with other credit-building cards — plus you get interest-free promotional financing for Amazon purchases of over $150 or more.

Best credit-building card for non-Prime members

Amazon.com Store Card

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If you don't have Prime, the Amazon.com Store Card doesn't offer cash back. However, you can still start building your credit for no annual fee. Plus, you'll get access to special financing for eligible purchases over $150.

Best business credit card for Amazon purchases

Amazon Business Prime American Express Card

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Businesses with an Amazon Prime membership looking to maximize their Amazon purchases could find the Amazon Business Prime American Express Card to be most valuable. With this card, you get accelerated cash back on Amazon Business and Amazon purchases or interest-free days on these purchases among the many perks.

How do I choose the best credit card for Amazon?

You have a few options when it comes to Amazon credit cards, so here’s a few things to consider to help you make your choice:

  • Do you want to earn rewards?
    Most Amazon credit cards and some Discover cards let you earn the highest rewards rate on Amazon purchases. But in most cases, you’ll need an Amazon Prime membership to tap the highest rewards.
  • Do you have Prime?
    Most Amazon Prime cards benefit greatly from Prime membership and can differ substantially in terms of rewards or features. If you don’t have Prime or don’t plan on keeping Prime, know that a Prime version of an Amazon card will revert to the non-prime earning rates and features once you’re no longer a member.
  • Do you need interest-free days to pay for your purchases?
    Amazon store cards often let you get an interest-free period over a certain amount, such as $149 or more. This can be useful if you’re looking to buy now and pay later with no additional cost.
  • Does your business use Amazon business services?
    There is an excellent business credit card offered by American Express, specifically designed for businesses that use Amazon Web Services (AWS) or Amazon Business services. With this card, you’ll either earn cash back on these categories or you’ll get up to 90 days of interest-free period.

Prime Day deals to look out for

The cool thing about having an Amazon Prime credit card is that the cash back you earn stacks with any Prime Day deals.

For example, an Amazon Prime Rewards Visa Signature Card comes with a 5% cash back on all Amazon.com purchases. Suppose you find a deal with 10% back, you’ll actually earn a total of 15% back on that particular purchase.

The standard cash back you can earn with your Amazon card and a Prime Day deal is often either 10% back or 15% back.

Compare credit cards for Amazon purchases

Select your credit score below and click “show cards” to view a list of Amazon cards that may be available for you. From here, you can check the “compare” box to start comparing these cards side-by-side.

Name Product Filter values Rewards Purchase APR Annual fee
Chase Freedom Unlimited®
3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases, 5% on travel purchased through Chase Ultimate Rewards®, Unlimited 1.5% cash back on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
Chase Freedom Flex℠
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
5%cash back on travel purchased through Chase Ultimate Rewards®
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, 1% cash back on all other purchases.
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Amazon Prime Rewards Visa Signature Card
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
14.24% to 22.24% variable
$0
Earn 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.
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Bottom line

There are plenty of strong Amazon credit card options available. The 5% back offered on Amazon’s own cards is a great earning rate, but you only earn this rate when shopping with Amazon. If Amazon or Whole Foods doesn’t make for a large portion of your spending, look to other reward cards available that offer comparable rates on a larger variety of categories.

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