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Amazon shoppers have a number of credit cards to choose from, both from the e-commerce giant itself and from other credit card companies that incentivize spending online and in supermarkets. We've broken down the rewards rates and bonuses below, so you can maximize your money while shopping.
Best Amazon credit cards 2021
|Amazon Prime Rewards Visa Signature Card||Amazon Prime||Good/Excellent||$0 ($119 Amazon Prime subscription required)||Read Review|
|Amazon Rewards Visa Signature Card||Third-party Amazon purchases||Good/Excellent||$0||Read Review|
|Discover it® Cash Back||General spending||Excellent/Good||See terms||Read Review|
|American Express® Gold Card||Purchase protection||Excellent/Good||$250|
|Capital One Venture Rewards Credit Card||Travel rewards||Excellent/Good||$95|
|Chase Freedom Unlimited® Card||Flexible rewards||Excellent/Good||$0|
|Bank of America® Customized Cash Rewards credit card||Online shopping||Excellent/Good||$0||Read Review|
To make choosing the right card easier, we've looked at credit cards reviewed on ValuePenguin as well as cards on major issuer sites to compile a list of the best rewards credit cards available right now. Our recommendations are based on the additional value you can earn with the cards — including the rewards value, cost of ownership and value of benefits such as travel and purchase protections, lounge membership and airline companion passes. Our choices are not influenced by our advertisers. Learn more on how we calculate rewards.
Amazon offers two types of credit cards for customers — a rewards card and a store card — and each type has an Amazon Prime option and a standard option to choose from.
The intriguing benefit offered by the Amazon.com Store Card and the Amazon Prime Store Card that you can't get from their rewards card counterparts is the option for monthly financing. With either of the Amazon store cards, you can finance purchases of a certain amount over a six-, 12- or 24-month repayment plan, with a 0% APR. However, this benefit may not be enough to warrant choosing a store card over either of the rewards cards.
Instead, if you frequently shop on Amazon.com or at Whole Foods and you're looking to earn cash back on your purchases, you should compare Amazon's rewards cards with our list of the best cash back credit cards to make your decision.
The best Amazon credit card for Prime subscribers: the Amazon Prime Rewards Visa Signature Card
Best for people who:
- Are already Amazon Prime members.
- Spend upward of $6,000 per year on Amazon products.
- Spend more than $119 per year on shipping for Prime-eligible products.
- Frequently shop at Whole Foods.
- Live in an Amazon same-day shipping hub.
Our thoughts on the Amazon Prime Rewards Visa Signature Card
The Amazon Prime Rewards Visa Signature Card is the best credit card for Amazon purchases. It has $0 annual fee (other than the $119 Amazon Prime subscription). It also offers 5% back at Amazon and Whole Foods Market with an eligible Prime membership*. 2% back at restaurants, gas stations, and drugstores*. 1% back on utilities, rideshare, and all other purchases.
Great if you're already a Prime member
If you already subscribe to Amazon Prime for its other benefits, such as free two-day shipping (or same-day shipping in some areas) and access to the Amazon Prime streaming video service, adding this card to your wallet is a free way to optimize your spending. Its 2% and 1% cashback categories aren't bad, but they also don't set it apart from most other rewards cards on the market. The real benefit of the card is the opportunity to earn 5% back on Amazon and Whole Foods purchases.
However, if you don't think you order enough from Amazon to warrant paying for Amazon Prime, we don't think you should sign up for it just to qualify for this Amazon card. There are other good cards with no annual fee and no Prime subscription required, including the Amazon Rewards Visa Signature Card .
The best Amazon Credit Cards if you don't have Prime: the Amazon Rewards Visa Signature Card
Best for people who:
- Don't want Amazon Prime.
- Spend less than $6,000 per year at Amazon.com and Whole Foods.
- Buy a lot of products from Amazon that aren't eligible for Prime shipping.
Our thoughts on the Amazon Rewards Visa Signature Card
The Amazon Rewards Visa Signature Card is essentially a light version of the Amazon Prime Rewards Visa Signature Card. You earn 3% cash back on all your Amazon.com purchases, and 2% cash back at gas stations, restaurants, and drugstores (1% back elsewhere). All spending categories earn you the same rate you would get with the Amazon Prime Rewards Visa Signature Card, with the exception of purchases on Amazon.com and at Whole Foods, where you'll only receive a 3% credit for your purchases rather than 5%. Also, the Amazon Rewards Visa Signature Card comes with a $50 Amazon Gift Card instantly upon approval instead of the Amazon Prime Rewards Visa Signature Card deal, where you'll Get a $100 Amazon Gift Card instantly upon approval.
Good if you don't have Prime
No Amazon Prime subscription is required to qualify for the Amazon Rewards Visa Signature Card , meaning you'll profit from your very first purchase. For example, somebody who spends $4,000 per year at Amazon and Whole Foods would earn $120 back on those purchases with the Amazon Rewards Visa Signature Card , but only $81 with the Amazon Prime Rewards Visa Signature Card once you deduct the cost of Amazon Prime. However, this does not take into account any money you could have saved in waived shipping fees through an Amazon Prime subscription, so figuring out which card is best for you really depends on the total amount you spend and whether the products you regularly order are eligible for Prime shipping. In most cases, the Amazon Prime Rewards Visa Signature Card is the better choice.
Not as good for high spenders
Once you've spent exactly $5,950 at Amazon and Whole Foods in a year, the Amazon Prime Rewards Visa Signature Card will earn you more going forward, regardless of shipping benefits, because of the higher rate of return.
Other good options for Amazon customers
Although the Amazon Prime Rewards Visa Signature Card does provide good benefits for frequent Amazon shoppers, it shouldn't be the only one you consider. There are other good cards for online shoppers as well as cards built for people with a big grocery bill.
The best cashback card for general spending: the Discover it® Cash Back card
Best for people who:
- Do most of their Amazon shopping around the holidays.
- Want a long-term credit card to build their credit.
- Want a bigger sign-up bonus this year.
Our thoughts on the Discover it® Cash Back card
The Discover it® Cash Back is one of our favorite cards for online shopping and spending in general due to its cashback program and first-year bonus.
The 5% cash back calendar
Each quarter, the Discover it® Cash Back lets you earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically Here's the 2021 bonus category calendar:
- January-March: Grocery stores, Walgreens and CVS
- April-June: Gas stations, select streaming services and wholesale clubs
- July-September: Restaurants and PayPal
- October-December: Amazon.com, Target.com and Walmart.com
Since Prime Day falls under the 5% bonus categories for the fourth quarter, be sure to use your Discover it® Cash Back to maximize your purchases.
Another thing we love about the Discover it® Cash Back is the bonus available to new cardholders: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
A good long-term card
The Discover it® Cash Back makes for a great backup card to keep in your wallet. You might not always want to take advantage of the cashback program, but if you regularly use it on small purchases throughout the year, it can be a great tool to build your credit score over time.
The best for purchase protection: American Express® Gold Card
American Express® Gold Card
See Pay Over Time APR
- Rose Gold is back. You can now choose between Gold or Rose Gold.
- Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
- Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
- Get up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12/31/21.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- Terms Apply.
Best for people who:
- Make expensive purchases on Amazon.
- Want a stellar purchase protection plan.
- Frequently dine at restaurants and order takeout or food delivery.
Our thoughts on the American Express® Gold Card
The American Express® Gold Card lets you earn Membership Rewards points on every purchase, with a rewards rate and offerings heavily catered to foodies. You’ll earn Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Terms apply. Earn 1X points on all other eligible purchases. You’ll even enjoy monthly dining statement credits when using your Amex Gold at select partners, including Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxes and participating Shake Shack locations — for annual savings of up to $120 (enrollment required). A new benefit is up to $10 monthly in Uber Cash (up to $120 annually), good for U.S. Uber rides or U.S. Uber Eats. Your American Express® Gold Card needs to be added to your Uber app in order to receive this monthly Uber Cash benefit.
Complimentary purchase protection — essential for expensive purchases
While this card is favored toward restaurant and U.S. supermarket purchases, the American Express® Gold Card also offers an exclusive purchase protection benefit. If you tend to buy expensive Amazon purchases, such as technology or furniture, you’ll want to protect your items from potential damage, loss or theft. By paying with your American Express® Gold Card, your purchase will be covered for up to 90 days from the date of purchase. This purchase protection is good for up to $10,000 per covered purchase, for up to $50,000 per calendar year with your American Express® Gold Card.
Although Amazon purchases only earn 1X Membership Rewards points with the Amex Gold card, you’ll want to consider the value of this complimentary purchase protection plan — potentially saving you thousands of dollars on high-value items.
For rates and fees of American Express® Gold Card, please click here.
The best for travel rewards: Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
17.24% - 24.49% (Variable)
- Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
- Earn unlimited 2X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
- Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
- No foreign transaction fees
Best for people who:
- Want to earn travel rewards.
- Don’t want to keep track of bonus categories — earn 2 Miles per dollar on every purchase, every day.
- Want to earn a large sign-up bonus.
Our thoughts on the Capital One Venture Rewards Credit Card
For those who want to earn travel rewards, the Capital One Venture Rewards Credit Card is one of the best, as you’ll earn a standard 2 Miles per dollar on every purchase, every day. Whether you’re an Amazon Prime member or not, you can use your Capital One Venture Rewards Credit Card on Amazon purchases and an infinite number of other retailers to earn 2X Miles. You can then transfer your miles to any of Capital One's 15+ travel partners or erase any travel-related charges on your card.
Great for high spenders
If you’re a high spender, take advantage of its current sign-up bonus: Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel. You can not only redeem these miles for travel but for everyday purchases. You can erase your Amazon purchases using your Capital One miles, making your rewards extremely valuable for various needs.
The best for flexible rewards: Chase Freedom Unlimited®
Chase Freedom Unlimited®
14.99% - 23.74% Variable
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
- Earn unlimited 1.5% cash back on all other purchases.
- Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
- No annual fee.
- 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
- No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
Best for people who:
- Want to earn flexible rewards.
- Want to earn an easy sign-up bonus.
- Are everyday spenders.
Our thoughts on the Chase Freedom Unlimited® card
The Chase Freedom Unlimited® card is one of the best cashback cards with a valuable rewards structure and excellent sign-up bonus. You’ll Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. If you’re a Whole Foods shopper, you’ll enjoy this high earnings rate.
The Chase Freedom Unlimited® card also offers a number of bonus earnings categories: Earn 5% cash back on travel purchased through Chase, 3% on dining and drugstores, and 1.5% on all other purchases. There’s little to no thinking involved with using this card, as you won’t have to activate any particular categories to maximize your spending.
Pair with other Chase cards for even more value
You’ll earn Ultimate Rewards points with the Chase Freedom Unlimited® card. You can transfer your points earned with the Chase Freedom Unlimited® card to a Chase travel card, such as the Chase Sapphire Reserve® or Chase Sapphire Preferred® Card. Because there’s a 50% and 25% travel redemption bonus for each of these cards respectively, pooling your Ultimate Rewards points together is a great way to maximize your spending altogether.
You can then transfer your Ultimate Rewards points to Chase’s 10 airline and three hotel partners. Owning the Chase Freedom Unlimited® card with these travel cards is for those who want to extract the most value from their day-to-day spending, including at Whole Foods and Amazon.
The best for online shopping: Bank of America® Customized Cash Rewards credit card
Best for people who:
- Are online shoppers.
- Want to control cashback categories according to their spending habits.
Our thoughts on the Bank of America® Customized Cash Rewards credit card
The Bank of America® Customized Cash Rewards credit card offers a unique way to earn. Cardholders can earn 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs (for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), 1% cash back on all other purchases. The 3% categories include gas, online shopping, travel, drug stores or home improvement/furnishings.
The Bank of America® Customized Cash Rewards credit card provides the ability to maximize your rewards based on your spending habits, which can be incredibly valuable throughout different times of the year. For online shoppers, it’s a no-brainer to choose the online shopping category to make the most of your Amazon purchases.
With an endless number of items available on Amazon, you’ll want to strategically pick the best card that will make the most out of your purchases. While Prime members might consider applying for one of Amazon’s credit cards, there are plenty of other options also worth considering. Many credit cards will offer bonus rewards for Amazon and other online shopping purchases, while other cards can offer purchase warranties that can be valuable in the event of damage, loss or theft.
The information related to Amazon.com Store Card, Amazon Prime Store Card, Amazon Prime Rewards Visa Signature Card, Amazon Rewards Visa Signature Card , Discover it® Cash Back and Chase Freedom Unlimited® has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.
Is the Amazon credit card worth it?
We think the Amazon Prime Rewards Visa Signature Card is a good deal if you frequently shop at Amazon.com and Whole Foods and you already subscribe to Amazon Prime. Since there are other good cashback cards available, we don't think it's worth signing up for Prime just for this card, unless you want to take advantage of Prime's other benefits, such as its video-streaming service.
Is it hard to get approved for an Amazon credit card?
It shouldn't be especially difficult to qualify for any of Amazon's credit cards, provided you have the necessary memberships, if applicable. Generally, people with good or excellent credit scores should be approved.
Is the Amazon Prime Store Card a credit card?
Yes, the Amazon Prime Store Card is a credit card issued by Synchrony Bank. However, the card has no network affiliations outside of Amazon.com purchases, so its use is limited. On the other hand, the Amazon Prime Rewards Visa Signature Card and the Amazon Rewards Visa Signature Card are issued by Chase and can be used anywhere Visa cards are accepted.
What credit card does Amazon use?
There are four Amazon-branded cards available for individual use, but the best card Amazon offers is the Amazon Prime Rewards Visa Signature Card, since it offers the highest rate on Amazon purchases.