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Best credit cards for Amazon purchases

Earn rewards on all of your Amazon.com purchases.

Updated . What changed?

Fact checked

Our pick for Amazon and everyday purchases: Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express logo

Up to 20%

Cash back at Amazon (up to $200 back in the first 6 months)

  • Two welcome offers worth up to $300 combined
  • Everyday cash back on groceries, gas and at select department stores
  • No annual fee
Apply now
See rates & fees
In most cases, Amazon cobranded credit cards come with a stellar 5% cashback rate for Amazon Prime members. Non-members will earn slightly less.

As an alternative, some Discover credit cards let you earn the same rewards rate as an Amazon Prime Store Card, but you’re limited to three or six months in a year with that rewards rate. Also, there’s no guarantee Amazon purchases will appear as a rewards category the following year.

We compared all credit cards that earn more than 2% on Amazon.com purchases, and we selected the cards that offered either a higher rewards rate than 2% or offered a 0% interest promo on Amazon.com purchases.

What’s changed in 2021?

This list held relatively steady. However, we’ve rounded out our best picks with other Amazon-focused credit cards — especially those aimed at non-Prime consumers. These are good picks if you don’t want to pay the subscription cost for Prime.

Also, with the recent revamp, the Chase Freedom Flex℠ took over the spot as best for variety of cashback categories. This spot previously belonged to the Discover it® Cash Back card but it can no longer match the rewards you can earn with the Freedom Flex.

Best credit cards for Amazon purchases

Quick look: credit cards for Amazon purchases

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

Chase Freedom Flex℠
Apply now
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.

The perks

  • 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 you 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. After that, a 1% cashback rate applies, unless groceries appear as a 5% back quarterly category.

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

Amazon Prime Rewards Visa Signature Card
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 perks

  • 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.

Best Amazon card for non-Prime members: Amazon Rewards Visa Signature Card

Amazon Prime Store Card Credit Builder
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 perks

  • 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.

Best credit-building card for Amazon Prime members: Amazon Prime Store Card Credit Builder

Amazon Prime Store Card Credit Builder
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.

The perks

  • 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.

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

Amazon.com Store Card
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.

The perks

  • 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.

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

Amazon Business Prime American Express Card
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.

The 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.
  • 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.

How to 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 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.

Alternatives to Amazon credit cards

The 5% back offered on Amazon purchases 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, there are other reward cards available that offer comparable rates on a larger variety of categories.

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
20% at Amazon.com up to $200 back in the first 6 months, 2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
This everyday cashback card is ideal for Black Friday and holiday shopping with 20% back at Amazon.com up to $200 back in the first 6 months. Rates & fees
Chase Freedom Flex℠
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% 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.
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.
Chase Freedom Unlimited®
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% 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.
American Express Cash Magnet® Card
1.5% cash back on all purchases
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
With 1.5% back on everything and a 15 months intro APR on purchases, this no-annual-fee rewards card makes it simple to earn more rewards. Rates & fees
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Bottom line

Amazon.com shoppers could earn 5% cash back on all Amazon purchases with the right credit card and with an Amazon Prime membership. You can also get a card with a 0% interest period on Amazon purchases if you prefer that over rewards.

However, if you often shop at other stores, compare store credit cards until you find the best card for your financial needs.

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