In case you’re among the many greater than 200 million Amazon Prime members within the U.S., chances are high you spend a major quantity with the web retail large.
We have dug into the greatest playing cards for Amazon purchases, together with playing cards that earn as much as 5% money again in your purchases — and that is earlier than factoring in any American Categorical Presents or different particular Amazon promotions.
The key to incomes essentially the most factors on Amazon purchases is present playing cards. Whereas only a few bank cards provide Amazon as a bonus class, some provide excessive class bonuses at locations that promote Amazon present playing cards, similar to grocery shops, fuel stations and workplace provide shops.
Incomes as much as 5 factors per greenback on Amazon purchases
Among the finest playing cards for buying present playing cards is the Ink Enterprise Money® Credit score Card. On the floor, the cardboard earns 5% money again at workplace provide shops on the primary $25,000 in spending every account yr.
Nevertheless, the return jumps to roughly 10% in the event you even have a Chase Sapphire Most well-liked® Card, Chase Sapphire Reserve® or Ink Enterprise Most well-liked® Credit score Card. Then, you may convert your money again to transferable Final Rewards factors, that are price 2.05 cents apiece in keeping with TPG’s February 2025 valuations.
With this technique, you would purchase an Amazon present card at Staples or OfficeMax and earn 5 factors per greenback spent for an efficient 10% again. Then, you need to use that present card like money at Amazon.
If it is American Categorical Membership Rewards factors you are after, otherwise you aren’t eligible for a enterprise card, you would possibly wish to contemplate the American Categorical® Gold Card.
The Amex Gold provides 4 Membership Rewards factors per greenback spent at U.S. supermarkets, on as much as $25,000 per calendar yr (then 1 level per greenback after that). 4 factors per greenback spent means an efficient 8% return since TPG values Amex factors at 2 cents apiece as of February 2025.
There’s additionally the Amex EveryDay® Most well-liked Card from American Categorical, which may very well be a superb choice in the event you’re already a cardmember (since this card is not accessible to new candidates).
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It earns 3 factors per greenback spent on as much as $6,000 per calendar yr at U.S. supermarkets, then 1 level per greenback spent thereafter. However what makes this card stand out is that it provides a 50% factors bonus in the event you use it greater than 30 occasions in a single month. Meaning you would be incomes as many as 4.5 factors per greenback spent at grocery shops, which equates to a 9% return in keeping with our valuations.
Lastly, there’s additionally the no-annual-fee Chase Freedom Flex®, which provides 5% again (or 5 factors per greenback spent when paired with an Final Rewards-earning card) on rotating classes on as much as $1,500 in purchases every quarter you activate. Up to now, these classes have included grocery shops and Amazon.
When grocery shops aren’t an lively 5% quarterly class, the Freedom Flex nonetheless earns 3% again (or 3 factors per greenback with an eligible Final Rewards-earning card) on groceries.
The knowledge for the Amex EveryDay Most well-liked has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Associated: The most effective bank cards for buying present playing cards
One thing to remember
There are lots of choices for maximizing your Amazon present card purchases. Nevertheless, there’s one necessary caveat to remember. Though the entire playing cards talked about provide buy safety, the protection doesn’t apply when buying an merchandise with a present card as an alternative of a bank card. So, it’s possible you’ll wish to keep away from utilizing present playing cards on sure purchases.
You can also’t return present playing cards, however this should not be a lot of a problem in the event you order from Amazon incessantly anyway. Plus, you need to use your Amazon present playing cards to purchase present playing cards at many different third-party retailers like Starbucks, Southwest Airways and Airbnb.
It is a good suggestion to keep away from shopping for numerous present playing cards if you’re making an attempt to hit a welcome bonus. This conduct is usually a purple flag to credit score issuers and will lead to your account being reviewed and even the lack of your welcome bonus. The issuer might also restrict your capacity to earn welcome bonuses on future playing cards you apply for.
Each issuer has totally different phrases for his or her welcome bonuses, so be sure to test the phrases of your card’s welcome provide.
Associated: The most effective bank cards for on-line procuring
Backside line
Just a little effort and time can go a great distance. An efficient 10% return on Amazon purchases is just about pretty much as good because it will get, although it is necessary to not neglect the trade-off between incomes factors and getting buy safety.
Associated: Is the Prime Visa bank card price the price?
