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Best Credit Cards for Amazon in 2024

Updated on:

We receive commissions from our advertising partners. These commissions do not influence our recommendations. Click here to learn more.

Our pick for the best Amazon credit card is the Prime Visa, which is packed with valuable benefits and earns 5% cash back at Amazon.com.
Even if you aren’t a Prime member, there are other cards that offer anywhere from 2% to 5% cash back on Amazon purchases, including options for limited and fair credit.
When choosing an Amazon credit card, consider not only Amazon rewards but also rewards on other purchases, the annual fee, the sign-up bonus and other features.

9 best credit cards for Amazon purchases

Winner: Prime Visa
Best for non-Prime members: Amazon Rewards Visa Signature Card
Best for cash back on everyday purchases**: Blue Cash Everyday^® Card from American Express
Best for rotating categories: Chase Freedom Flex℠
Best for simple rewards: Wells Fargo Active Cash^® Card
Best for financing large purchases: Bank of America^® Customized Cash Rewards credit card
Best for fair credit: Amazon Prime Store Card
Best for building credit: Amazon Secured Card
Best for business owners: Amazon Business Prime American Express Card

Find your perfect card in 30 seconds. Check your approval odds so you can shop smarter.

Winner

Prime Visa

LendingTree's Review

4.2

LendingTree's Review

4.2

Apply Now

on Chase's secure site

Rewards rate: 5% cash back at Amazon.com

Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% on all other purchases.

One of the highest cash back rates on Amazon purchases
Amazon gift card upon approval
Solid travel and purchase protections
$0 annual fee
No foreign transaction fees

Requires Amazon Prime membership to earn rewards
No intro APR offer

First-year value: $614*
Ongoing value: $414*

For Prime members, there’s no better choice than the Amazon Prime Visa. In addition to unlimited 5% cash back at Amazon.com, Amazon Fresh and Whole Foods market, you’ll get elevated rewards on Chase Travel℠, gas, dining and more. Although you can only earn rewards with this card if you have Amazon Prime membership, you won’t have to pay an annual fee. Plus, you’ll get a $200 Amazon Gift Card instantly upon approval exclusively for Prime members.

*Based on LendingTree’s value methodology.

Get a $200 Amazon Gift Card instantly upon approval exclusively for Prime members
Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
Earn unlimited 1% back on all other purchases
No annual credit card fee
No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
Member FDIC

“I think the Prime Visa is a must-have for Amazon users. As someone who places several Amazon orders per week, this card has given me a huge amount of cash back on my everyday purchases. I love that you can apply your cash back earnings right at checkout on Amazon. I’ve been able to easily apply my rewards towards large Amazon purchases like furniture for my home. I also use this card on rideshare and gas because of the 2% back on those purchases.”

– Sammi Scharf, credit cards writer at LendingTree

Non-Prime members

Amazon Rewards Visa Signature Card*

LendingTree's Review

4.3

LendingTree's Review

4.3

Learn More

Rewards rate: 3% cash back at Amazon.com

Earn 3% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases, 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and 1% back on all other purchases.

No Prime membership required
High cash back rate on Amazon purchases
Amazon gift card upon approval
$0 annual fee
No foreign transaction fees

Small sign-up bonus
No intro APR offer

First-year value: $385*
Ongoing value: $335*

If you want solid cash back rewards on Amazon purchases but don’t have a Prime membership, the Amazon Rewards Visa Signature Card is ideal. Essentially a lighter version of the Prime Visa, it earns 3% cash back on Amazon purchases instead of 5%. But you’ll still get 2% cash back on gas, dining and local transit. Plus, you’ll get a $50 Amazon Gift Card instantly upon approval. It also comes with more benefits than most no-annual-fee credit cards, including solid purchase and travel protections.

*Based on LendingTree’s value methodology.

No Amazon Prime membership required
3% back at Amazon.com and Whole Foods Market
2% back at restaurants, gas stations and drugstores
1% back on all other purchases
No foreign transaction fees

*The information related to the Amazon Rewards Visa Signature Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Cash back on everyday purchases

Blue Cash Everyday^® Card from American Express*

LendingTree's Review

4.4

Blue Cash Everyday<sup>®</sup> Card from American Express

LendingTree's Review

4.4

Learn More

on American Express's secure site

Rewards rate: 3% cash back on U.S. online retail purchases (including Amazon.com) up to the annual maximum**

Earn 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%. 1% cash back on other purchases. Terms apply. **

Generous rewards on everyday spending categories
Solid welcome offer
Long intro APR on purchases
$0 annual fee

Spending cap on higher rewards rate
Foreign transaction fees

First-year value: $583*
Ongoing value: $383*

While it’s not an Amazon-branded card, you can still save big on Amazon purchases with the Blue Cash Everyday^® Card from American Express. You’ll earn 3% cash back** (on up to $6,000 per year, then 1%) on U.S. online retail purchases, including Amazon.com. The average household spends just over $2,700 a year on Amazon purchases, which is well below the $6,000 spend cap.

The same earning rate applies to other everyday categories as well, including U.S. supermarkets and U.S. gas stations. Plus, you can earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

*Based on LendingTree’s value methodology.

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.49% to 29.49% variable APR.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
Terms Apply.

*The information related to the Blue Cash Everyday^® Card from American Express has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Rotating categories

Chase Freedom Flex℠*

LendingTree's Review

4.5

LendingTree's Review

4.5

Learn More

Rewards rate: 5% cash back on quarterly rotating bonus categories up to the quarterly maximum (which sometimes includes Amazon.com)

Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

High cash back rate on quarterly rotating bonus categories
Easy-to-earn sign-up bonus
Intro APR on purchases and balance transfers
Mastercard World Elite benefits
$0 annual fee

Bonus categories require activation
Spending cap on bonus categories
Foreign transaction fees

First-year value: $641*
Ongoing value: $441*

With the Chase Freedom Flex℠, you can earn 5% cash back (on up to $1,500) on rotating bonus categories each quarter (activation required), then 1% cash back. Amazon has been included as a Chase bonus category for one quarter each year since 2022. If you max out the spend cap on Amazon.com during the quarter it’s offered as a bonus category, you’ll earn $75 back on those purchases alone. You’ll also get a great sign-up bonus: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

*Based on LendingTree’s value methodology.

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
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 unlimited 1% 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!
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ 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.

*The information related to the Chase Freedom Flex℠ has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

“The Chase Freedom Flex℠ complements my other cards, the Chase Sapphire Preferred^® Card and Chase Freedom Unlimited^®, perfectly. I love being able to use it as a travel card and activating new 5% cash back categories each quarter (up to the quarterly maximum). This helps me earn rewards very quickly — especially when the bonus categories line up with common spending areas like Amazon.”

— Kristen Grau, credit cards writer at LendingTree

Simple rewards

Wells Fargo Active Cash^® Card*

LendingTree's Review

4.6

Wells Fargo Active Cash<sup>®</sup> Card

LendingTree's Review

4.6

Learn More

Rewards rate: 2% cash back on all purchases (including Amazon.com)

Earn unlimited 2% cash rewards on purchases.

2% cash back every purchase
Easy-to-earn sign-up bonus
Intro APR on purchases and balance transfers
$0 annual fee

No bonus earning categories
Foreign transaction fees

First-year value: $600*
Ongoing value: $400*

If you’re looking for a straightforward cash back credit card for Amazon purchases, the Wells Fargo Active Cash^® Card should be at the top of your list. There’s no need to keep track of bonus categories or spending caps — you’ll simply earn unlimited 2% cash rewards on purchases. You’ll also get cellphone protection, an intro APR on purchases and balance transfers and an easy-to-earn sign-up bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

*Based on LendingTree’s value methodology.

Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.49%, 24.49%, or 29.49% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
$0 annual fee.
No categories to track or remember and cash rewards don’t expire as long as your account remains open.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

*The information related to the Wells Fargo Active Cash^® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Financing large purchases

Bank of America^® Customized Cash Rewards credit card

LendingTree's Review

4.6

Bank of America<sup>®</sup> Customized Cash Rewards credit card

LendingTree's Review

4.6

Apply Now

on Bank Of America's secure site

Rewards rate: 3% cash back in the approved category of your choice (including online shopping). 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases.

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.

Choose a 3% cash back category each month (including online shopping)
Solid sign-up bonus
Higher earning rates for Bank of America Preferred Rewards® members
Long intro APR on purchases and balance transfers
$0 annual fee

Spending cap on higher cash back rate
Foreign transaction fee
Limited benefits

First-year value: $513*
Ongoing value: $313*

If you need to make a large Amazon purchase and pay it off over time, the Bank of America^® Customized Cash Rewards credit card is ideal. It offers a 0% Intro APR for 15 billing cycles (after, a 18.49% - 28.49% Variable APR applies). Plus, its unique rewards structure lets you 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. Since online shopping is an approved category, this applies to all Amazon.com purchases. Other approved categories include:

Gas and EV charging stations
Dining
Travel
Drugstores
Home improvement and furnishings

And if you’re a Bank of America Preferred Rewards® member, you can get a 25% to 75% boost on your earnings.

*Based on LendingTree’s value methodology.

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
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.
Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
No annual fee and cash rewards don’t expire as long as your account remains open.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.49% - 28.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Fair credit

Amazon Prime Store Card*

LendingTree's Review

Learn More

Rewards rate: 5% cash back at Amazon.com

Prime cardholders can earn 5% back at Amazon.com.

One of the highest cash back rates on Amazon purchases
Qualify with fair credit
Amazon gift card upon approval
Promotional financing options
$0 annual fee

Requires a Prime membership to earn rewards
Limited to Amazon purchases
Deferred interest applies on promotional financing
High interest rate

First-year value: $98*
Ongoing value: $88*

If you’re eying the Prime Visa but have less-than-perfect credit, the Amazon Prime Store Card is a great alternative. It’s designed for Amazon Prime members with fair credit and earns 5% cash back on all Amazon purchases. Just know that since it’s a store card, you won’t be able to use it anywhere else. And you’ll only earn rewards if you have a Prime membership. However, using this card responsibly can help you build credit and gain access to more flexible cash back credit cards.

*Based on LendingTree’s value methodology.

$10 Amazon Gift Card upon approval.
No annual fee
0% APR financing

*The information related to the Amazon Prime Store Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Building credit

Amazon Secured Card*

LendingTree's Review

4.3

LendingTree's Review

4.3

Learn More

Rewards rate: 2% cash back at Amazon.com

Earn 2% back at Amazon.com and Whole Foods Market with an eligible Prime membership.

Solid credit-building features
Low $100 minimum deposit required
Cash back rewards on Amazon purchases
Extremely low APR
$0 annual fee

Requires Prime membership to earn rewards
Limited to Amazon purchases
Low maximum credit limit

First-year value: $35*
Ongoing value: $35*

The Amazon Secured Card is a great choice if you want to earn rewards on Amazon purchases while building your credit. You’ll get 2% back at Amazon.com and Whole Foods Market with an eligible Prime membership. The card helps you build credit by reporting your payment history to the three major credit bureaus: Equifax, Experian and TransUnion. You’ll also get free access to credit tracking tools and an extremely low 10.00% non-variable APR. Plus, after 12 months of responsible usage, you may be eligible to upgrade to the Amazon Prime Store Card.

*Based on LendingTree’s value methodology.

No annual fee
Minimum $100 security deposit up to $1,000
Join Prime to get 2% back on Amazon.com

*The information related to the Amazon Secured Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Business owners

Amazon Business Prime American Express Card*

LendingTree's Review

4.3

Amazon Business Prime American Express Card

LendingTree's Review

4.3

Learn More

Rewards rate: 5% cash back (or a 90-day financing term) on U.S. purchases at Amazon Business, AWS and Amazon.com

Earn 5% cash back on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market on the first $120,000 in purchases per calendar year, then 1% back on those purchases. 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers. 1% Back on other purchases.

One of the highest cash back rates on Amazon purchases
Amazon gift card upon approval
Complimentary employee cards
No annual fee
No foreign transaction fees

Requires Prime membership to earn rewards
Spending cap on higher rewards rate

First-year value: $587*
Ongoing value: $462*

If you’re a small business owner who spends a significant amount on Amazon purchases each year, the Amazon Business Prime American Express Card could be a great fit. The card offers a unique opportunity to earn 5% back (or receive 90-day interest-free financing) on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market (on up to $120,000, then 1%) per calendar year. Plus, you can earn a solid ongoing rate at U.S. restaurants, U.S. gas stations and on wireless phone services from U.S providers.

*Based on LendingTree’s value methodology.

Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
Take advantage of 5% Back or 90 day Terms on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with eligible Prime membership. You can earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
1% Back on other purchases
No Annual Fee¤
Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
Terms apply.

*The information related to the Amazon Business Prime American Express Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Methodology: How we chose the best Amazon cards

To select the best credit cards for Amazon purchases, we reviewed the cards available on LendingTree, as well as those offered by top issuers. We looked at a variety of factors, including the amount of rewards each card offers on Amazon purchases. We also considered the rewards offered in other popular spending categories, sign-up bonuses and rewards redemption options.

Annual fees and introductory APRs also contributed to our choices, as well as useful benefits, like extended warranty and purchase protection.

Compare the best credit cards for Amazon

Credit Cards	Our Ratings	Welcome Offer	Rewards Rate	Annual Fee
Prime Visa Apply Now on Chase's secure site	4.2 Winner	Get a $200 Amazon Gift Card instantly upon approval exclusively for Prime members	Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% on all other purchases	$0	Apply Now on Chase's secure site
Amazon Rewards Visa Signature Card* Learn More	4.3 Non-Prime members	$50 Amazon Gift Card instantly upon approval.	3% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases, 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and 1% back on all other purchases.	$0	Learn More
Blue Cash Everyday^® Card from American Express* Learn More on American Express's secure site	4.4 Cash back on everyday purchases	Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.	3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%. 1% cash back on other purchases. Terms apply.	$0	Learn More on American Express's secure site
Chase Freedom Flex℠* Learn More	4.5 Rotating categories	Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.	5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.	$0	Learn More
Wells Fargo Active Cash^® Card* Learn More	4.6 Simple rewards	Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months	Earn unlimited 2% cash rewards on purchases	$0	Learn More
Bank of America^® Customized Cash Rewards credit card Apply Now on Bank Of America's secure site	4.6 Financing large purchases	$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening	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.	$0	Apply Now on Bank Of America's secure site
Amazon Prime Store Card* Learn More	4.0 Fair credit	$10 Amazon Gift Card upon approval	Prime cardholders can earn 5% back at Amazon.com	$0	Learn More
Amazon Secured Card* Learn More	4.3 Building credit	N/A	2% back at Amazon.com and Whole Foods Market with an eligible Prime membership	$0	Learn More
Amazon Business Prime American Express Card* Learn More	4.3 Business owners	Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.	2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers. 1% Back on other purchases.	No annual fee	Learn More

*The information for the Amazon Rewards Visa Signature Card, Blue Cash Everyday^® Card from American Express, Chase Freedom Flex℠, Wells Fargo Active Cash^® Card, Amazon Prime Store Card, Amazon Secured Card and Amazon Business Prime American Express Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms Apply.

Amazon credit card benefits

Accelerated rewards on Amazon purchases
May offer rewards in other popular spending categories
Many don’t charge annual fees
Many offer valuable sign-up bonuses
May provide 0% intro APRs on purchases and/or balance transfers

How to choose the best Amazon credit card

When choosing the best Amazon credit card, you’ll undoubtedly want to consider the amount of rewards you can earn per dollar spent on Amazon purchases. But there are other important factors you should look at as well, including rewards offered on non-Amazon purchases, the annual fee, the interest rate and more.

Earning rate on Amazon purchases

If you want to earn the highest rewards rate possible on your Amazon purchases, this will be the most important factor to consider. There are several cards that offer 5% cash back at Amazon.com, including our top pick, the Prime Visa.
Earning rate on other purchases

Your overall spending is important, so it’s best to choose a card that matches your spending habits beyond just Amazon.com. For example, if a large portion of your monthly budget is spent on groceries, you might want to consider a card that earns higher rewards in that category.
Annual fee

If a card charges an annual fee, you want to be sure you’ll get enough value from the rewards and benefits it offers to make up for the fee. That said, many cards that offer accelerated rewards on Amazon.com purchases have no annual fee. Just keep in mind — while Amazon-branded cards don’t charge annual fees, they often require a Prime membership to earn rewards on your Amazon purchases.
APR on purchases

If you think you may carry a balance from month to month, you should pay close attention to the card’s APR. Racking up high interest charges could essentially cancel out any rewards you earn. For example, the Amazon Prime Store Card earns 5% cash back at Amazon.com but comes with a high 29.99% APR. Other cards on our list come with more reasonable APRs, and some even come with a 0% intro APR period.
Other benefits

Also consider the benefits and protections offered by the card — such as annual credits, purchase protection, extended warranty, cellphone insurance and more — as they can help boost a card’s overall value.

How to maximize your Amazon rewards

1. Consider an Amazon Prime membership

In addition to free two-day delivery, Prime Video and other exclusive benefits, a Prime membership (which $139 per year for standard members and $69 per year for students) opens up access to the most rewarding Amazon credit cards. For example, let’s compare the Prime Visa to its non-Prime counterpart, the Amazon Rewards Visa Signature Card:

	Prime Visa	Amazon Rewards Visa Signature Card
Rewards rate on Amazon purchases	5% cash back	3% cash back
Sign-up bonus	Get a $200 Amazon Gift Card instantly upon approval exclusively for Prime members.	$50 Amazon Gift Card instantly upon approval.
First-year value	$614*	$385*

*Based on LendingTree’s value methodology

2. Take advantage of the sign-up bonus

A sign-up bonus is an easy way to reap some serious rewards right off the bat. With most cash back cards, you’ll need to meet a minimum spending requirement in the first few months to earn the bonus. But it’s even easier with the following Amazon-branded cards, as you’ll receive an Amazon gift card instantly upon approval:

3. Redeem your rewards for statement credits

While it’s tempting to use your rewards for Amazon purchases, you’ll come out ahead if you redeem them for statement credits toward your balance. By using your Amazon card each time you check out, you can continue earning rewards on every purchase. Plus, paying off your balance each month keeps your credit utilization ratio low — which can help improve your credit score.

4. Consider pairing two cards together

If you’re not interested in a Prime membership — or you simply want to earn rewards across more categories — you can opt for two cards that earn cash back on Amazon purchases. For example, you could use the Chase Freedom Flex℠ to make Amazon purchases during the quarter it offers 5% cash back, and the Blue Cash Everyday^® Card from American Express to earn 3% back** throughout the remainder of the year. This way, you’ll have the chance to earn two sign-up bonuses and get more bonus categories.

Bottom line: Is an Amazon credit card worth it?

If you do most of your shopping on Amazon, a card that offers elevated cash back rewards can help offset the cost of those purchases. Assuming you have Prime membership, Amazon-branded cards offer the highest ongoing rewards rates for the retailer. But if Amazon is only a small portion of your monthly budget, a general cash back card that earns high rates in other categories that match your spending habits may be best.

Frequently asked questions

The following Amazon credit cards are issued by Visa or American Express and can be used anywhere those issuers are accepted:

However, the Amazon Prime Store Card and Amazon Secured Card can only be used at Amazon.com and Amazon affiliates, including Whole Foods Market and Amazon Fresh.

The best Amazon credit card is the one that aligns with your spending habits. For Amazon Prime members, the Prime Visa offers the highest ongoing rewards rate on Amazon purchases. But sometimes a non-Amazon-branded card is your best option, especially if it earns high bonus rates in categories that are part of your monthly spending.

An Amazon Prime membership costs $139 annually or $14.99 per month. An Amazon Prime Student membership costs $69 annually or $7.49 per month. Prime memberships are subject to sales tax in select states.

Typically, you’ll need good to excellent credit (which FICO considers to be a credit score ranging from 670 to 850) to be approved for the best Amazon credit cards: the Prime Visa, Amazon Rewards Visa Signature Card and Amazon Business Prime American Express Card. If your credit score is on the lower side, you’ll have a better chance with the Amazon Prime Store Card (fair credit) or Amazon Secured Card (limited / poor credit).

Amazon Prime Day is an annual sales event with exclusive deals for Amazon Prime members. It usually takes place in mid-July, with a similar event (Prime Big Deal Days) occurring in October.

The easiest way to apply for an Amazon credit card is through an online application. Once you select a card, you’ll just need to provide some basic personal and financial information. Just note that most applications will trigger a hard pull on your credit, which can temporarily lower your credit score. That’s why it’s always a good idea to check your credit score beforehand to make sure you’ll qualify.

Yes, you can get an Amazon credit card even if you have bad credit. The Amazon Secured Card is designed for consumers with limited / poor credit. It comes with an extremely low 10.00% non-variable APR and is a great option for building credit. Plus, you’ll earn 2% back at Amazon.com and Whole Foods Market with an eligible Prime membership.

**Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

The information related to the Amazon Rewards Visa Signature Card, Blue Cash Everyday^® Card from American Express, Chase Freedom Flex℠, Wells Fargo Active Cash^® Card, Amazon Prime Store Card, Amazon Secured Card and Amazon Business Prime American Express Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.

Will Collicott

Will Collicott is a web content coordinator and writer at LendingTree, where he writes and updates credit card reviews, guides and comparisons.

Before joining LendingTree, Will worked as an editor at The History Press. He knows personal finance topics can be overwhelming, and even just choosing the right credit card can be a challenge. That’s why Will is dedicated to researching and reporting accurate and accessible content to help guide readers.

When not writing for LendingTree, Will is usually traveling, playing disc golf or picking on his guitar.

Specialties

Credit card product reviews
Credit card comparisons
Cash back cards
Balance transfer cards
Building credit

Achievements

7+ years of professional writing experience
Helped develop the process for updating LendingTree’s credit card content

Education

Bachelor of Arts, Coastal Carolina University

Will’s favorite credit cards

“I’m currently using the Citi Simplicity^® Card to pay off a high-interest balance I transferred from an older card. I love this card because it has a reasonable balance transfer fee and gives you almost two years to pay off your balance. My everyday cards are the Wells Fargo Active Cash^® Card and Amazon Prime Visa, which I use to earn cash back on every single purchase I make. Between these two cards, I usually earn over $700 each year!”

Best Cash Back Credit Cards in December 2024

Best American Express Credit Cards in 2024

13 Best Business Credit Cards in 2024

Best Credit Cards for Amazon in 2024

Key takeaways

9 best credit cards for Amazon purchases

Winner

Prime Visa

Why it’s in my wallet

Non-Prime members

Amazon Rewards Visa Signature Card*

Cash back on everyday purchases

Blue Cash Everyday^® Card from American Express*

Rotating categories

Chase Freedom Flex℠*

Why it’s in my wallet

Simple rewards

Wells Fargo Active Cash^® Card*

Financing large purchases

Bank of America^® Customized Cash Rewards credit card

Fair credit

Amazon Prime Store Card*

Building credit

Amazon Secured Card*

Business owners

Amazon Business Prime American Express Card*

Methodology: How we chose the best Amazon cards

Compare the best credit cards for Amazon

Amazon credit card benefits

How to choose the best Amazon credit card

How to maximize your Amazon rewards

1. Consider an Amazon Prime membership

2. Take advantage of the sign-up bonus

3. Redeem your rewards for statement credits

4. Consider pairing two cards together

Bottom line: Is an Amazon credit card worth it?

Frequently asked questions

Will Collicott

Specialties

Achievements

Education

Will’s favorite credit cards

Recommended Articles

How Does LendingTree Get Paid?

Advertising Disclosure

American Express Disclosure

Best Credit Cards for Amazon in 2024

Key takeaways

Summary

9 best credit cards for Amazon purchases

Winner

Prime Visa

Why it’s in my wallet

Non-Prime members

Amazon Rewards Visa Signature Card*

Cash back on everyday purchases

Blue Cash Everyday® Card from American Express*

Rotating categories

Chase Freedom Flex℠*

Why it’s in my wallet

Simple rewards

Wells Fargo Active Cash® Card*

Financing large purchases

Bank of America® Customized Cash Rewards credit card

Fair credit

Amazon Prime Store Card*

Building credit

Amazon Secured Card*

Business owners

Amazon Business Prime American Express Card*

Methodology: How we chose the best Amazon cards

Compare the best credit cards for Amazon

Amazon credit card benefits

How to choose the best Amazon credit card

How to maximize your Amazon rewards

1. Consider an Amazon Prime membership

2. Take advantage of the sign-up bonus

3. Redeem your rewards for statement credits

4. Consider pairing two cards together

Bottom line: Is an Amazon credit card worth it?

Frequently asked questions

Can I use my Amazon credit card anywhere?

Which Amazon credit card is best?

How much is an Amazon Prime membership?

What credit score do you need for an Amazon card?

What is Amazon Prime Day?

How do I apply for an Amazon credit card?

Can I get an Amazon credit card with bad credit?

Will Collicott

Specialties

Achievements

Education

Will’s favorite credit cards

Recommended Articles

Blue Cash Everyday^® Card from American Express*

Wells Fargo Active Cash^® Card*

Bank of America^® Customized Cash Rewards credit card