7 Best Amazon Credit Cards of January 2022: Get the Most Out of Your Purchases

Best Amazon Credit Card

Hands down, the best credit card for Amazon is the Amazon Prime Rewards Visa Signature Card. You won't find a card that offers a higher rewards rate on all your Amazon purchases.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Top Amazon credit cards 2022

Best for Amazon Prime

Amazon Prime Rewards Visa Signature Card

credit card
Get a $150 Amazon Gift Card instantly upon approval.

Best for purchase protection

American Express® Gold Card

See Rates & Fees. Terms Apply. On American Express' Secure Website
60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.

Best for flexible rewards

Chase Freedom Unlimited®

On Chase's Secure Website
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.

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.

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.

Best Amazon credit card for Prime subscribers

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Card not available

Amazon Prime Rewards Visa Signature Card

Get a $150 Amazon Gift Card instantly upon approval.

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.com and Whole Foods Market with an eligible Prime membership, 2% back at restaurants, gas stations and drugstores and 1% back on 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 Prime Store Card.

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.

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Best cashback card for general spending

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Card not available

Discover it® Cash Back card

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.

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 at different places each quarter up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically. Here's the 2022 bonus category calendar:

  • January-March: Grocery stores and fitness club and gym memberships (excludes Walmart and Target)
  • April-June: Gas stations and Target
  • July-September: Restaurants and PayPal
  • October-December: Amazon.com and Digital Wallets

As you can see, Amazon.com is one of the rotating categories for 5% cash back, and it comes just in time for the holidays. If you're not a heavy spender at Amazon throughout the year and don't want to pay for Amazon Prime, utilizing the Discover it® Cash Back will still allow you to generate cash rewards during the busiest shopping season of the year.

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.

First-year bonus

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.


Best for purchase protection

American Express® Gold Card

See Rates & Fees. Terms Apply. On American Express' Secure Website

60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.

$250

See Pay Over Time APR

660 - 850

  • Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.
  • 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.
  • 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.


Best for travel rewards

Capital One Venture Rewards Credit Card

On Capital One's Secure Website

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

$95

15.99% - 23.99% (Variable)

660 - 850

  • 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 a $100 credit for Global Entry or TSA PreCheck®
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 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.


Best for flexible rewards

Chase Freedom Unlimited®

On Chase's Secure Website

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.

$0

14.99% - 23.74% Variable

660 - 850

  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99% - 23.74%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

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 cash back cards with a valuable rewards structure and excellent sign-up bonus. You’ll Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.

The Chase Freedom Unlimited® card also offers a number of bonus earnings categories: Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, 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.


Best for online shopping

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Card not available

Bank of America® Customized Cash Rewards credit card

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

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, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% 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.

Best for financing purchases

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Card not available

Amazon Prime Store Card

$10 Amazon.com gift card upon approval

Best for people who:

  • Don't want to pay an annual fee
  • Tend to make large purchases
  • Already have Amazon Prime

Our thoughts on the Amazon Prime Store Card

If you regularly shop at Amazon, it's not a bad idea to take advantage of all that the Amazon Prime Store Card has to offer. You'll get a $60 Amazon gift card instantly upon approval as well as 5-15% back on select, rotating items throughout the year and earn 5% back at Amazon with an eligible Prime membership. On top of all that, you'll also enjoy 0% APR financing, which lets you buy what you want now and pay over time with equal monthly payments on qualifying purchases.

Pay over time with special financing

The Amazon Prime Store Card offers a pay over time option with six, 12 or 24 month financing. This can be extremely beneficial for consumers who have trouble paying off their balance in full each month.

ValuePenguin’s verdict

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.

For rates and fees of American Express® Gold Card, please click here.

Compare the best Amazon credit card offers of 2022


Welcome Offer
Credit Score Needed
Annual Fee
Amazon Prime: Amazon Prime Rewards Visa Signature Card
unavailable credit card
Get a $150 Amazon Gift Card instantly upon approval.Unavailable$0Read Review
General spending: Discover it® Cash Back
unavailable credit card
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 $300.680-850$0Read Review
Purchase protection: American Express® Gold Card
American Express® Gold Card
60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.720-850$250
Apply Now
See Rates & Fees. Terms Apply. On American Express' Secure Website
Show All Rows

Frequently Asked Questions

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.

Where is the Amazon credit card login?

If you have an Amazon Rewards Visa Signature Card , you can log in and view your account activity here. If you have an Amazon store card, you can log in and view your account activity here.

For rates and fees of American Express® Gold Card, please click here.

Recap of best Amazon credit cards of January 2022

Methodology

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.

The information related to Amazon Prime Store Card, Amazon.com Store Card, Amazon Prime Store Card, Amazon Prime 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.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).