From toothpaste to treadmills, you’ll find nearly something you want (and wish) on Amazon — delivered in two days together with your Prime membership.
Should you’re planning to spend some huge cash this Prime Day (Oct. 8-9), you may wish to maximize your purchases through the use of the fitting bank card so you possibly can earn the most rewards or money again.
When deciding on the very best bank card for Amazon purchases, take into account issues like points-earning charges, rewards currencies and advantages, similar to buy safety and prolonged warranties. You may even select a card primarily based on a selected buy, whether or not you are a Prime member or what different playing cards you already carry.
With that in thoughts, listed here are the very best bank cards for buying at Amazon.
The most effective bank cards for Amazon purchases
The knowledge for the Uncover it Money Again card 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.
Prime Visa
For a lot of, the Amazon Prime Visa is the best choice for Amazon purchases.
The cardboard gives a powerful 5% money again on all Amazon and Complete Meals purchases (with an eligible Prime membership); 2% again at eating places, gasoline stations, native transit and commuting (together with ride-hailing providers); and 1% on all different purchases.
Moreover, you may earn 10% or extra cash again on a rotating collection of objects and classes on Amazon.com.
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At the moment, Prime members may also immediately get a $150 Amazon present card upon approval for a Prime Visa.
The Prime Visa’s greatest drawback is that the excessive cash-back fee is its solely actual draw. It comes with buy safety (it covers objects as much as $500 in worth if broken or stolen inside 120 days of buy) and prolonged guarantee safety.
Nonetheless, it does not embrace necessary buy advantages like value safety and return safety, so it isn’t best for massive purchases.
The opposite disadvantage is that you have to pay for a Prime membership ($139 per 12 months) to qualify. Nonetheless, since so many U.S. households already subscribe to Prime, that is most likely not a lot of a problem for the cardboard’s goal demographic.
To study extra, try our full evaluate of the Prime Visa.
Apply right here: Prime Visa
Capital One Enterprise X and Enterprise Rewards playing cards
Think about the Capital One Enterprise X Rewards and Capital One Enterprise Rewards playing cards to earn transferable miles in your Amazon purchases. Each playing cards provide 2 miles per greenback spent on on a regular basis purchases — together with Amazon purchases.
Primarily based on TPG’s October 2024 valuations of Capital One miles at 1.85 cents per mile, this equates to a decent 3.7% return.
The Enterprise X has an annual charge of $395 (see charges and costs), whereas the Enterprise Rewards’ annual charge is simply $95 (see charges and costs). No matter which possibility you choose, be sure you’re utilizing that card for extra than simply Amazon purchases to get correct worth from its annual charge.
Past that, the Enterprise X and Enterprise Rewards have the identical welcome provide: new cardholders can earn 75,000 bonus miles after spending $4,000 on purchases inside the first three months of account opening.
To study extra, try our full critiques of the Capital One Enterprise X and Capital One Enterprise Rewards.
Associated: Capital One Enterprise Rewards vs. Capital One Enterprise X
Apply right here: Capital One Enterprise X
Apply right here: Capital One Enterprise Rewards
Chase Freedom Limitless and Freedom Flex
Should you’re not a Prime subscriber and nonetheless need a stable return in your spending, your finest wager could also be to go together with the no-annual-fee Chase Freedom Limitless.
The cardboard gives 5% money again on journey bought by Chase Journey℠ and three% again on drugstore purchases and eating. All different purchases, together with on Amazon, earn 1.5% again.
In the meantime, the Chase Freedom Flex earns 5% on as much as $1,500 in mixed purchases in bonus classes every quarter you activate. As you may discover in this information, Amazon purchases are usually included as a second-quarter spending class every year.
Whereas each playing cards earn a stable return, you could possibly probably double the worth of your rewards by pairing one with a Chase Sapphire Reserve®, Chase Sapphire Most well-liked® Card or Ink Enterprise Most well-liked® Credit score Card.
Should you do, you possibly can convert your cash-back rewards into full-fledged transferable Final Rewards factors, price 2.05 cents every primarily based on TPG’s October 2024 valuations.
The Freedom Limitless and Freedom Flex additionally provide 120-day buy and prolonged guarantee safety, extending eligible producers’ warranties by an extra 12 months. Like the 2 Amazon playing cards, the Freedom Limitless and Freedom Flex shouldn’t have an annual charge.
To study extra, try our full critiques of the Freedom Limitless and Freedom Flex.
Associated: The facility of the Chase Trifecta: Sapphire Reserve, Ink Most well-liked and Freedom Limitless
Apply right here: Chase Freedom Limitless
Apply right here: Chase Freedom Flex
Uncover it Money Again
Amazon’s Prime Visa is not the one card to supply 5% money again on purchases — the no-annual-fee Uncover it Money Again does too (on rotating classes and as much as $1,500 every quarter you activate, and 1% money again after that) — and this one does not require you to be a Prime member.
Usually, the rotating classes embrace Amazon purchases a minimum of one quarter per 12 months.
Remember the fact that whereas this card is nice for Amazon purchases when Amazon is included within the bonus earnings, it is not the very best card to make use of year-round. When Amazon is just not part of the quarterly cash-back bonus class, your purchases will solely obtain 1% again.
Nonetheless, what makes the cardboard shine is that Uncover will match your rewards on the finish of your first cardmember 12 months, so you could possibly rise up to 10% again on Amazon purchases throughout 1 / 4 when it is a bonus retailer.
Sadly, different advantages have been discontinued, together with prolonged guarantee, return, buy and value safety.
Study extra: Uncover it Money Again
American Categorical Gold Card
The American Categorical Gold Card is an effective alternative for individuals who make high-value purchases on Amazon.
You may earn 1 Membership Rewards level per greenback on Amazon purchases, yielding a return of two% primarily based on TPG’s October 2024 valuations of Membership Rewards factors at 2 cents per level.
Nonetheless, except there’s an Amazon deal accessible by Amex Affords, this would possibly not be the very best card from an incomes perspective.
The most important good thing about utilizing the cardboard is its beneficiant buy safety coverage. Whereas many playing cards embrace the same perk, the Amex Gold Card gives an astounding $10,000 in safety per incident and as much as $50,000 for all incidents in a calendar 12 months.*
Proper now, the Amex Gold can also be providing a profitable welcome bonus. New cardmembers can earn 60,000 bonus factors after spending $6,000 within the first six months of cardmembership, plus 20% again on eligible restaurant purchases as assertion credit within the first six months of cardmembership (as much as $100 again). This provide ends Nov. 6.
To study extra, try our full evaluate of the Amex Gold.
*Eligibility and profit ranges fluctuate by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
Apply right here: American Categorical Gold Card
How does an Amazon bank card work?
The one true Amazon bank card on our checklist is the cobranded Prime Visa, and it is the only option for a lot of loyal Amazon buyers. Along with the Amazon-specific welcome provide, you may get pleasure from a minimum of a 5% cash-back incomes fee on Amazon purchases. Except for playing cards that supply rotating spending classes, it is laborious to match that.
With that stated, in case you’re searching for a extra well-rounded card that works properly for Amazon purchases and in all places else you spend, one of many different playing cards on our checklist could be extra appropriate.
For instance, each the Chase Freedom Flex and Chase Freedom Limitless have extra beneficiant welcome gives than the Prime Visa, help you earn bonus cash-back from a wider vary of retailers and include extra versatile rewards.
Execs and cons of Amazon bank cards
When purchasing for a bank card that works properly for Amazon purchases, take into account the next execs and cons:
Execs
- No annual charge: The Amazon Prime Visa is an reasonably priced card that does not cost an annual charge or any overseas transaction charges.
- Amazon-specific welcome provide: The Prime Visa gives new cardholders a $150 Amazon present card, permitting them to additional maximize their Amazon financial savings.
- Increased incomes charges for Amazon purchases: Amazon Prime Visa cardholders earn 5% money again on their Amazon purchases. Different non-cobranded playing cards embrace Amazon of their rotating spending classes.
Cons
- Prime membership prices $139 yearly: You should be a Prime member to maximise sure Amazon bank card rewards.
- Restricted buy protections: The Amazon Prime Visa does not provide value or return safety.
- Different playing cards provide higher incomes for sure classes: Should you spend incessantly on eating, gasoline or transit, one other card will earn you extra rewards on these purchases.
Continuously requested questions
How do I apply for an Amazon bank card?
You possibly can apply by the Amazon web site. After signing in to your Amazon account, you possibly can see which playing cards you are eligible for primarily based in your Prime membership standing. From there, you possibly can apply for one or a number of playing cards and even get an Amazon present card immediately upon approval.
Is an Amazon bank card price it?
An Amazon bank card could make sense for individuals who store incessantly with Amazon and its household of companies. However many different bank cards provide extra basic rewards that may be helpful in all places, not simply with Amazon.
How do I pay my Amazon bank card?
Like most different playing cards, Amazon bank cards will ship you a month-to-month billing assertion. Should you hyperlink your Amazon and Chase accounts, you possibly can handle your Amazon Visa card on the Amazon web site, Chase web site or the Chase app.
What credit score rating do you want for an Amazon bank card?
Amazon recommends a “good” or “glorious” credit score rating for the Prime Visa, which usually means a rating of 670 or above. Nonetheless, as with all bank cards, different components might have an effect on your eligibility.
Should you get declined or do not suppose you may qualify and are nonetheless concerned with an Amazon bank card, take into account one thing just like the Amazon Retailer Card, Amazon Prime Retailer Card or the Amazon Prime Secured Card.
The knowledge for the Amazon Retailer, Amazon Prime Retailer and Amazon Prime Secured playing cards 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.
Can you employ Amazon bank cards anyplace?
The Prime Visa can be utilized anyplace, however different Amazon playing cards might face restrictions on the place you should use them. The Prime Visa’s restricted incomes charges exterior of Amazon purchases may imply you may wish to use a basic rewards or cash-back bank card exterior of Amazon.
Backside line
Whereas the Prime Visa gives a excessive return on Amazon purchases, it isn’t everybody’s best choice; it is solely accessible to Prime members and lacks robust incomes charges in a number of key bonus classes.
Moreover, in case you’ve been saving up transferable factors for a selected redemption, it could make sense to earn rewards in that foreign money moderately than money again. This fashion, you possibly can high off your account and e book that award journey you have been dreaming about sooner moderately than later.
Associated: The most effective retailer bank cards
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