The Best Credit Cards for Shopping on Amazon [June 2024]

CREDIT CARDS - CREDIT CARD REWARDS
If you regularly spend money on Amazon, here’s a look into the best credit cards to use to optimize your rewards.
Updated June 20, 2024
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Man Holding Best Credit Card for Shopping on Amazon

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If you want some of the best rewards rates for making Amazon purchases, we recommend Amazon Visa and Prime Visa.

But if you want a card that helps you earn elevated rewards on Amazon and other types of everyday purchases, we prefer Blue Cash Everyday® Card from American Express and Bank of America® Customized Cash Rewards credit card.

Let’s explore the best credit cards for shopping on Amazon to see which is the best fit for you.

In this article

Key takeaways

  • For making Amazon purchases, it’s hard to beat the earning potential of the Amazon Visa and Prime Visa. However, you might prefer a non-Amazon card if you want more flexible rewards and spending categories.
  • The Blue Cash Everyday Card is an excellent card for earning rewards on everyday purchases, including items from Amazon. It has a $0 annual fee (terms apply).
  • The Bank of America Customized Cash Rewards has a $0 annual fee and provides flexible options for earning elevated rewards, including online shopping purchases from Amazon.
  • The Wells Fargo Active Cash® Card has a $0 annual fee and a simple rewards rate where you can earn unlimited 2% cash rewards on purchases. That makes it easy to earn the same elevated rewards on all eligible purchases.

The 7 best credit cards for shopping on Amazon

  1. Blue Cash Everyday® Card from American Express
  2. Bank of America® Customized Cash Rewards credit card
  3. Wells Fargo Active Cash® Card
  4. Capital One Venture Rewards Credit Card
  5. Amazon Visa
  6. Prime Visa
  7. Chase Freedom Flex®

Compare the best credit cards for shopping on Amazon

Credit card Welcome offer Rewards rate Annual fee

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

4.9

Earn a $200 statement credit after spending $2,000 in purchases in the first 6 months 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year on purchases in each category, then 1%); and 1% cash back on other eligible purchases $0 (terms apply)

Bank of America® Customized Cash Rewards credit card

Bank of America® Customized Cash Rewards credit card

4.4

Earn a $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 and 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and 1% on all other purchases $0

Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card

5.0

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months Earn unlimited 2% cash rewards on purchases $0

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

4.7

Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening 2 miles per dollar on every purchase, every day, 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 5 miles per dollar on Capital One Entertainment purchases through 12/31/25 $95

Amazon Visa

Amazon Visa

4.7

Earn a $50 Amazon gift card upon approval of credit card application 3% cash back at Amazon.com, Whole Foods Market, and on Chase Travel purchases; 2% cash back at restaurants and gas stations, and on local transit and commuting; and 1% cash back on all other purchases $0

Prime Visa

Prime Visa

4.9

Earn a $100 Amazon gift card upon approval 5% cash back at Amazon.com, Whole Foods Market, and on Chase Travel purchases; 2% cash back at restaurants and gas stations, and on local transit and commuting; 1% cash back on all other purchases $0

Chase Freedom Flex®

Chase Freedom Flex®

4.7

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening 5% cash back on rotating quarterly categories you activate (on up to $1,500 spent) and travel purchased through Chase Travel℠; 3% cash back on drugstore purchases and dining at restaurants (including takeout and eligible delivery service); and 1% cash back on all other purchases $0

Blue Cash Everyday® Card from American Express

Pros
  • Has an online shopping spending category
  • Helps you earn statement credits for multiple subscriptions (enrollment required for select benefits)
  • Has a $0 annual fee (terms apply)
Cons
  • Has spending caps

The Amex Blue Cash Everyday Card makes sense if you want to earn elevated rewards on online shopping and other common purchases.

Why we like it

You can earn 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year on purchases in each category, then 1%); and 1% cash back on other eligible purchases.

This includes purchases at major online retailers such as Amazon.com and Walmart.com.

The Amex Blue Cash Everyday also has a $0 annual fee and helps you earn statement credits for multiple subscriptions (enrollment required for select benefits).

  • Disney Bundle Credit: Receive a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card to spend $9.99 or more each month on a subscription to the Disney Bundle.
  • Home Chef Credit: Receive up to $15 in statement credits back per month after you use your enrolled Blue Cash Everyday® Card to purchase a Home Chef subscription.

What we don’t like

You can earn the elevated rewards only up to a certain limit. The limit applies at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year on purchases in each category, then 1%).

Learn more in our Blue Cash Everyday Card review.

Bank of America® Customized Cash Rewards credit card

Pros
  • Has a flexible rewards rate with multiple categories to choose from
  • Has a $0 annual fee
Cons
  • Has spending caps

The Bank of America Customized Cash Rewards provides excellent flexibility if your spending habits frequently change.

Why we like it

You can earn 3% cash back in the category of your choice and 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and 1% on all other purchases.

One of the bonus categories you can choose from is online shopping, which includes Amazon.com, Apple.com, Bestbuy.com, and many other major retailer sites.

And with a $0 annual fee, there’s no annual cost to worry about.

What we don’t like

There’s a spending cap for the 3% and the 2% elevated categories.

Learn more in our Bank of America Customized Cash Rewards review.

Wells Fargo Active Cash® Card

Pros
  • Has a simple rewards rate
  • Has a $0 annual fee
Cons
  • Doesn’t have bonus categories

The Wells Fargo Active Cash makes sense if you want to earn simple cash rewards on eligible purchases.

Why we like it

You can earn unlimited 2% cash rewards on purchases. This type of rewards rate makes it easy to know what you’re earning on any eligible purchase you make, including on Amazon.

Even better, cardholders have a $0 annual fee.

What we don’t like

The rewards rate is simple, but it doesn’t quite match the earning potential you can find on some other cards. That’s because other cards have specific categories where you can earn higher rewards.

Learn more in our Wells Fargo Active Cash Card review.

Capital One Venture Rewards Credit Card

Pros
  • Has a simple rewards rate
  • Earns travel rewards
  • Earns up to $100 credit for TSA PreCheck® or Global Entry
Cons
  • Has a $95 annual fee

The Capital One Venture Rewards makes sense if you want a simple card that earns travel rewards.

Why we like it

You can earn 2 miles per dollar on every purchase, every day, 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 5 miles per dollar on Capital One Entertainment purchases through 12/31/25.

This is similar to the Wells Fargo Active Cash, but you’re earning miles rather than cash rewards with this card. That’s helpful if you like to travel and want to redeem rewards toward flights, hotel stays, and car rentals.

You can also take advantage of an up to $100 credit for TSA PreCheck or Global Entry.

What we don’t like

There’s a $95 annual fee for cardmembers.

Learn more in our Capital One Venture Rewards Credit Card review.

Amazon Visa

Pros
  • Provides an elevated rate on Amazon purchases
  • Has a $0annual fee
Cons
  • Not as good for non-Amazon purchases

The Amazon Visa makes sense if you make a lot of Amazon purchases but don’t have an Amazon Prime membership.

Why we like it

It has a $0 annual fee and you can earn 3% cash back at Amazon.com, Whole Foods Market, and on Chase Travel purchases; 2% cash back at restaurants and gas stations, and on local transit and commuting; and 1% cash back on all other purchases.

For making Amazon purchases, it’s hard to beat this rewards rate.

What we don’t like

There are better options available if you want to earn more rewards on non-Amazon purchases.

Learn more in our Amazon Visa Credit Card review.

Prime Visa

Pros
  • Provides an excellent rate on Amazon purchases
  • Has a $0 annual fee
Cons
  • Requires an Amazon Prime membership
  • Not as good for non-Amazon purchases

The Prime Visa Card makes sense if you’re an Amazon Prime member and make a lot of Amazon purchases.

Why we like it

It has a $0 annual fee and you can earn 5% cash back at Amazon.com, Whole Foods Market, and on Chase Travel purchases; 2% cash back at restaurants and gas stations, and on local transit and commuting; 1% cash back on all other purchases.

This is one of the best rewards rates for making purchases on Amazon.com.

What we don’t like

There’s a $0 annual fee, but you still need an eligible Amazon Prime membership, which typically costs over $100 per year. You can also find better rewards rates on other cards for making non-Amazon purchases.

Learn more in our Prime Visa review.

Chase Freedom Flex®

Pros
  • Has a high rewards rate on rotating categories
  • Has a $0 annual fee
Cons
  • Rotating categories aren’t always consistent

The Chase Freedom Flex is a great card for earning loads of rewards on rotating categories that commonly align with everyday expenses.

Why we like it

It has a $0 annual fee and you can earn 5% cash back on rotating quarterly categories you activate (on up to $1,500 spent) and travel purchased through Chase Travel℠; 3% cash back on drugstore purchases and dining at restaurants (including takeout and eligible delivery service); and 1% cash back on all other purchases.

Chase Freedom rotating categories of the past have included:

  • Amazon
  • PayPal
  • Walmart
  • Target
  • Gas stations
  • Grocery stores
  • Wholesale clubs

What we don’t like

You never actually know what the rotating categories are going to be each quarter until they’re announced. There’s a reasonable chance that a retailer like Amazon will be included at some point, but that might not always be the case.

Learn more in our Chase Freedom Flex review.

How to choose the best credit card for shopping on Amazon

Consider these factors to help you choose the best card for you to use on Amazon.

Eligibility requirements

In general, the best cash back credit cards require a good or excellent credit score to qualify. Credit card issuers can also consider your income, total debt, and other creditworthiness factors to determine your eligibility.

Type of rewards

Depending on your preferences, you might want to earn cash back, points, or miles with a rewards credit card.

Cashback cards make sense if you want to use rewards for statement credits, bank deposits, and other similar redemption options. Points and miles make sense if you prefer travel-related redemptions such as flights and hotel stays.

Keep in mind
Some credit card rewards programs offer an option to use rewards on Amazon purchases. But you typically lose a lot of value if you use credit card points on Amazon. For example, 10,000 Chase points on the Chase Sapphire Preferred are worth $80 on Amazon. But those same points are worth $125 toward travel through Chase Ultimate Rewards.

Earning potential

Rewards credit cards tend to have two types of ways to earn rewards.

  1. Spending categories: You earn a base rate on most purchases and an elevated rate on specific types of purchases. For example, you may earn 5% bonus cash back on Amazon and Whole Foods purchases and 1% on everything else.
  2. Flat rates: You earn the same rate on all eligible purchases. For example, you could earn 2% on everything.

If you want to maximize your earning potential, spending or bonus categories often have better rates. But flat rates are easy to use and can make more sense if your typical purchases vary between different categories. In some cases, you might discover you prefer the convenience of a simple rewards rate over trying to track multiple bonus categories.

Note that many rewards cards also have welcome bonuses or sign-up bonuses. These can be an easy way to earn a lot of bonus rewards points or cashback rewards as a new cardmember, especially if you have any large purchases coming up.

Annual fee

Some credit cards charge an annual fee to cardmembers. Paying this cost could give you, the cardholder, access to exclusive rewards and benefits.

But if you want to avoid an annual fee, there are plenty of no-annual-fee card options available.

Perks and benefits

Rewards credit cards can be an easy way to save money on Amazon simply by earning rewards on your purchases.

But many cards offer benefits beyond rewards. This could include purchase protection, extended warranty coverage, or an intro APR offer on balance transfers. Or you could receive travel benefits such as airport lounge access or no foreign transaction fees.

Comparing card benefits should be an essential part of your general credit card comparison strategy because it can help you find a card that’s aligned with your spending habits and preferences.

FAQ

What is the best credit card to use on Amazon?

The best credit card for you to use on Amazon depends on your spending habits, personal finances, and financial goals.

For example, an Amazon store card or Amazon Visa will have great cashback rates when shopping on Amazon.com, but they don’t always offer much or any earning potential outside of Amazon purchases.

In this case, you might want to consider another rewards card like the Amex Blue Cash Everyday or Wells Fargo Active Cash.

Which Amazon card is easiest to get?

The Amazon Secured Card is likely the easiest to get because it's designed for people with limited credit or who are rebuilding their credit. 

The Amazon Store Card is likely the next easiest Amazon credit card to get because store credit cards typically have less strict qualification requirements. Many store credit cards require a minimum of fair credit to qualify. 

This is in contrast to the Amazon Rewards Visa Signature Card, for which you will likely need good credit or higher, and the Amazon Prime Rewards Visa Signature Card, which will likely require excellent credit for approval.

Does applying for an Amazon card hurt my credit?

When you apply for most credit cards, the credit card issuer will check your credit report with a hard inquiry. This will typically have a small, negative impact on your credit score. As long as you continue to use your line of credit responsibly, your score should recover in a short period of time.

What happens to my Amazon credit card if I cancel Prime?

Depending on which Amazon credit card you have, you may see some changes if you cancel your Amazon Prime membership. Amazon Prime Rewards Visa Signature cardholders will lose their Prime-exclusive benefits, such as 5% cash back on Amazon.com, Whole Foods Market, and Chase Travel purchases. Instead, you’d earn 3% cash back on Amazon.com, Whole Foods Market, and Chase Travel purchases, which is the rate on the Amazon Rewards Visa Signature Card. 

Given this, you'll want to evaluate your spending and your potential loss of rewards against your Prime membership fee before you close your Amazon account.

The best cards for Amazon: bottom line

The Amazon Visa and Prime Visa provide high rewards rates on Amazon purchases, making them the preferred options for frequent Amazon shoppers.

But if you want a card that can provide a good rewards rate on Amazon and different types of everyday expenses, we recommend cards like the Amex Blue Cash Everyday and Bank of America Customized Cash Rewards.

You can also compare credit cards to find the right credit card offer for you.

Methodology

To select the best credit cards for shopping on Amazon, we examined Amazon's range of co-branded cards for customers. We assessed features like annual fees, Prime membership requirements, and additional perks to identify the best options. We did not include all cards available.

Seriously Powerful Cashback Card

Chase Freedom Flex®
4.7

Chase Freedom Flex®

Current Offer

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

Annual Fee

$0

Rewards Rate

5% cash back on rotating quarterly categories you activate (on up to $1,500 spent) and travel purchased through Chase Travel℠; 3% cash back on drugstore purchases and dining at restaurants (including takeout and eligible delivery service); and 1% cash back on all other purchases

Benefits and Drawbacks
Card Details

Author Details

Ben Walker, CEPF, CFEI® Ben Walker, CEPF, CFEI®, is credit cards specialist. For over a decade, he's leveraged credit card points and miles to travel the world. His expertise extends to other areas of personal finance — including loans, insurance, investing, and real estate — and you can find his insights on The Washington Post, Debt.com, Yahoo! Finance, and Fox Business.
Ashley Chorpenning Ashley is a personal finance writer at FinanceBuzz. When she’s not calculating her net worth or reading the hot new finance book, you might find Ashley cage diving with great white sharks in South Africa.