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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 2021, 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 everyday purchases
Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express logo
Finder Rating: 4.3 / 5

★★★★★

Credit recommended (670-850)
Apply now
on American Express's secure site
Rates & fees

670
Min. credit score
$95 ongoing
Annual fee
Up to 6%
Cash back
$150
Welcome offer
The Blue Cash Preferred is a Finder favorite when it comes to earning cash back on everyday purchases at US groceries and gas stations thanks to an earning rate that reaches as high as 6% back, coupled with the card's low annual fee. Now Amex has added a welcome offer for Amazon devotees: you'll earn 20% back on Amazon purchases, up to $200 total within your first 6 months of card ownership. This is in addition to earning $150 back as statement credit after you spend $3,000 in that same period of time.
  • Cash back. Earn 6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases. All cash back is earned in the form of statement credit.
  • Welcome offer. Earn $150 back as statement credit after you spend $3,000 in your first 6 months of account opening. Also earn 20% back on Amazon purchases, up to $200 total within the same time frame.
  • Intro APR period. This card comes with a 0% intro on purchases for the first 12 months, reverting to 13.99% to 23.99% variable.
  • Rewards cap. The supermarket earning cap on this card may prove limited for larger families.
  • Category limitations. Big box stores like Target and Walmart aren't included in the supermarket category.
Annual Fee $0 intro annual fee for the first year ($95 thereafter)
Purchase APR 0% intro for the first 12 months (then 13.99% to 23.99% variable)
Balance transfer APR N/A
Welcome offer Up to $350: 20% back on Amazon.com purchases in the first 6 months for up to $200 back, plus $150 statement credit after you spend $3,000 in the first 6 months
Estimated welcome offer value
Rewards 6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases (redeem as statement credit)
Terms apply to American Express benefits and offers.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Best credit card for a variety of cashback categories
Chase Freedom Flex℠

Chase Freedom Flex℠ logo
Finder Rating: 4.7 / 5

★★★★★

Credit recommended (670-850)
See offer
on Creditcards.com's secure site
Rates & fees

670
Min. credit score
$0
Annual fee
Up to 5%
Cash back
$200
Welcome offer
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.
  • Cash back. Earn 5% back on travel purchased through the Chase Ultimate Rewards portal, 5% back on Lyft rides through March 2022 and 5% back on up to $1,500 on rotating categories each quarter. Your rate drops to 1% back after ou reach the quarterly cap. You also earn 3% back at restaurants, including takeout and delivery, and on drugstore purchases. All other purchases earn 1% back.
  • Intro APR period. Use a 0% intro APR period on purchases for your first 15 months after card opening. Once the intro period expires, your rate reverts to variable 14.99% to 23.74%.
  • Signup bonus. Earn a $200 bonus after you spend $500 in the first 3 months when you open your account. Also, earn 5% cash back on groceries during your first year on up to $12,000. After that, a 1% cashback rate applies, unless groceries appear as a 5% back quarterly category.
  • Activation required. You need to activate your rotating categories each quarter to earn the full 5% back.
  • Pay Yourself Back limited. The Pay Yourself Back feature with this card only works with donations made to eligible charities.
Annual Fee $0
Purchase APR 0% intro for the first 15 months (then 14.99% to 23.74% variable)
Balance transfer APR 14.99% to 23.74% variable
Welcome offer $200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores (not including Target® or Walmart®) on up to $12,000 in the first year
Estimated welcome offer value $200 based on Finder's valuation
Rewards 5% cash back on up to $1,500 combined in quarterly categories you activate, 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases

Best Amazon card for Amazon Prime members
Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card logo
Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$0
Annual fee
Up to 5%
Cash back
$100
Welcome offer
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.
  • Cash back. Earn unlimited 5% cash back on Amazon.com and Whole Foods Market purchases and 2% cash back at restaurants, gas stations and drugstores. All other purchases earn 1% cash back.
  • Gift card. Get a $100 gift card as soon as your credit card application is approved.
  • No foreign transaction fees. Use the card abroad or with foreign merchants online without paying any foreign transaction fees.
  • Rewards limitations. The 5% cash back doesn't apply to all Amazon purchases, such as Zappos or purchases made outside of Amazon using Amazon Pay.
Annual Fee $0
Purchase APR 14.24% to 22.24% variable
Balance transfer APR 14.24% to 22.24% variable
Welcome offer $100 Amazon Gift Card instantly upon approval
Estimated welcome offer value
Rewards 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
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

Amazon Rewards Visa Signature Card logo
Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$0
Annual fee
Up to 3%
Cash back
$50
Welcome offer
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.
  • Cash back. Earn 3% back at Amazon.com and Whole Foods Market. Earn 2% back at gas stations, restaurants and drugstores. All other purchases give you 1% back.
  • Signup bonus. Get a $50 Amazon Gift Card immediately after you're approved.
  • No annual fee. This card doesn't require a Prime membership, which can save you money. It also doesn't have foreign transaction fees.
  • No intro APR offer. You won't find an intro APR on purchases or balance transfers with this card.
Annual Fee $0
Purchase APR 14.24% to 22.24% variable
Balance transfer APR 14.24% to 22.24% variable
Welcome offer $50 Amazon.com gift card upon approval
Estimated welcome offer value
Rewards 3% back at Amazon.com, 2% back at gas stations, restaurants and drugstores and 1% back on all other purchases
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

Amazon Prime Store Card Credit Builder logo
Credit recommended (300-669)
Read review
Rates & fees

300
Min. credit score
$0
Annual fee
Up to 5%
Cash back
$10
Welcome offer
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.
  • Cash back. Earn 5% cash back on all Amazon purchases.
  • Promotional financing. Buy now and pay later for items $150 or more purchased on Amazon.com. This gives you a 0% promo APR if you pay in full before the promotional period expires.
  • Build credit. Get your credit activity reported to the three major credit bureaus, TransUnion, Experian and Equifax. This means that with responsible credit you get to build your credit score. As a bonus, you may get upgraded to an unsecured card.
  • No intro APR offer. You won't find an intro APR on purchases or balance transfers with this card.
Annual Fee $0
Purchase APR 27.49% variable
Balance transfer APR N/A
Welcome offer $10 Amazon.com gift card upon account opening
Estimated welcome offer value
Rewards 5% back at Amazon.com

Best credit-building card for non-Prime members
Amazon.com Store Card

Amazon.com Store Card logo
Credit recommended (640-749)
Rates & fees

640
Min. credit score
$0
Annual fee
n/a
Rewards
$10
Welcome offer
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.
  • No annual fee. You can start building credit at no cost.
  • Promotional financing. Choose between equal monthly payments or deferred interest on Amazon.com purchases of $150 or more.
  • Build credit. With timely and consistent payments, you'll likely see an uptick in your credit score. Your payment history is reported to the three major credit bureaus: TransUnion, Experian and Equifax.
  • Closed loop. You can only use this card at Amazon.com.
Annual Fee $0
Purchase APR 25.99% variable
Balance transfer APR N/A
Welcome offer $10 Amazon.com gift card upon approval
Estimated welcome offer value
Rewards N/A

Best business credit card for Amazon purchases
Amazon Business Prime American Express Card

Amazon Business Prime American Express Card logo
Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$0
Annual fee
Up to 5%
Cash back
$125
Welcome offer
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.
  • Cash back. Earn 5% cash back on purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market on up to $120,000 annually, reverting to 1% back after. Earn 2% back at US restaurants, US gas stations and on wireless telephone services from US service providers, and 1% cash back on all other purchases.
  • Interest-free days. If you choose, you can get 90 interest-free days on Amazon Business, AWS, Amazon.com and Whole Foods Market purchases instead of the additional cash back. After the interest free period, your rate reverts to a 14.24% to 22.24% variable APR.
  • Welcome offer. As soon as you're approved for the card, you get a $125 Amazon gift card.
  • High penalty APR. Miss a payment and you can get slapped with a penalty APR of nearly 30%.
  • Short intro APR period. The interest free period you can choose only lasts 90 days.
Annual Fee $0
Purchase APR 14.24% to 22.24% variable
Balance transfer APR N/A
Welcome offer $125 Amazon.com gift card upon approval
Estimated welcome offer value
Rewards 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

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 Visa 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
    Blue Cash Everyday® Card from American Express
    3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on all other purchases (redeem as statement credit)
    0% intro for the first 15 months (then 13.99% to 23.99% variable)
    $0
    Earn up to $250. You'll get 20% back on Amazon.com purchases in the first six months for up to $150 back, and $100 after you spend $2,000 in the first six months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
    Blue Cash Preferred® Card from American Express
    6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases (redeem as statement credit)
    0% intro for the first 12 months (then 13.99% to 23.99% variable)
    $0 intro annual fee for the first year ($95 thereafter)
    Earn up to $350. In your first 6 months, you can earn a $150 statement credit when you spend $3,000, and earn 20% back on Amazon purchases made with your card, up to $200 total. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
    Citi® Double Cash Card
    Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
    13.99% to 23.99% variable
    $0
    Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
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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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