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Best credit cards for Amazon purchases

Earn rewards on all of your Amazon.com purchases.

Updated

Fact checked
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 credit 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.

Best credit cards for Amazon purchases

Quick look: credit cards for Amazon 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
$70
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 $70 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.
Annual Fee $0
Purchase APR 14.24% to 22.24% variable
Balance transfer APR 14.24% to 22.24% variable
Welcome offer $70 Amazon.com gift card upon approval
Rewards 5% back at Amazon.com and Whole Foods Market, 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.
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
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 card for a variety of cashback categories
Discover it® Cash Back

Discover it® Cash Back logo
Finder Rating: 4.8 / 5

★★★★★

Credit recommended (670-850)
Read review
670
Min. credit score
$0
Annual fee
Up to 5%
Cash back
Other
Welcome offer
Unlike the Amazon credit cards where you get accelerated cash back on Amazon purchases all year, the Discover it® Cash Back 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 Uber and Lyft.
  • Cash back. Earn 5% cash back on a rotating category each quarter on up to $1,500 in combined purchases. After that, your cashback rate reverts to 1%, which is the cashback rate on all other categories.
  • Intro APR period. Use a 0% intro APR period on balance transfers and purchases for your first 14 months after card opening. Once the intro period expires, your rate reverts to variable 11.99% to 22.99%.
  • No annual fee. You wont pay an annual fee to use the card and its perks.
Annual Fee $0
Purchase APR 0% intro for the first 14 months (then 11.99% to 22.99% variable)
Balance transfer APR 0% intro for the first 14 months (then 11.99% to 22.99% variable)
Welcome offer Discover will match cash back earned at the end of your first card year
Rewards 5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases

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.
Annual Fee $0
Purchase APR 27.49% variable
Balance transfer APR N/A
Welcome offer $$10 Amazon.com gift card upon account opening
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.
Annual Fee $0
Purchase APR 25.99% variable
Balance transfer APR N/A
Welcome offer $10 Amazon.com gift card upon approval
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, 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. Get 90 interest-free days on Amazon Business, AWS, Amazon.com and Whole Foods Market purchases if that is what you need more than cash back because you cannot combine the two. 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.
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
Rewards 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

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.

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
Citi Rewards+℠ Card
Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
0% intro for the first 15 months (then 13.49% to 23.49% variable)
$0
Get 2x points on restaurants and gas with this unique no-annual-fee card. Your rewards round up to the nearest 10 points for each purchase!
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.
Discover it® Cash Back
5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases
0% intro for the first 14 months (then 11.99% to 22.99% variable)
$0
Earn 5% back on up to $1,500 in combined purchases in bonus categories every quarter you activate, then 1% thereafter. Earn 1% back on all other purchases.
Amazon Prime Store Card Credit Builder
5% back at Amazon.com
27.49% variable
$0
Build credit with no 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.
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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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