If you’re shopping on Amazon and using a credit card, it’s valuable to choose a card that can help you maximize your rewards and save serious money on purchases. While there are branded Amazon credit cards available, they may not always be the best choice for shopping on Amazon.
Let’s take a look at both Amazon cards and other credit cards you might consider. This guide will help you explore different options for getting the best Amazon rewards and bonuses.
If you’re a loyal Amazon customer, using an Amazon-branded credit card can help you earn a bunch of different rewards. These credit cards offer bonus gift cards when you sign up, travel protection, premium perks, and more.
The biggest differentiators between the two Amazon cards — the Amazon Rewards Visa Signature Card and the Amazon Prime Rewards Visa Signature Card — are the higher cashback offers and required Amazon Prime membership with the latter. Here are all the details on both cards:
Amazon Rewards Visa Signature Card
The Amazon Rewards Visa Signature Card offers rewards on every purchase, including 3% cash back at Amazon.com and Whole Foods Market; 2% at restaurants, gas stations, and drugstores; and 1% on all other purchases.
Once approved, you’ll receive a $50 Amazon.com gift card. Additionally, the Amazon Rewards Visa Signature Card offers travel benefits, which include no foreign transaction fees, lost luggage reimbursement, baggage delay insurance, and more. As a cardholder, you also get protections like roadside dispatch and extended warranty protection.
The Amazon Rewards Visa Signature Card is a good option for non-Amazon Prime Members who want to capitalize on all of their Amazon purchases.
Amazon Prime Rewards Visa Signature Card
Exclusively for eligible Amazon Prime members, the Amazon Prime Rewards Visa Signature Card can earn you 5% cash back at Amazon.com and Whole Foods Market; 2% at restaurants, gas stations, and drugstores; 1% on all other purchases. New applicants will also receive a $70 Amazon gift card upon approval.
The Amazon Prime Rewards Visa Signature Card offers similar benefits as the Amazon Rewards Visa Signature Card, including premium perks at over 900 properties in the Visa Signature Luxury Hotel Collection.
The Amazon Prime Rewards Visa Signature credit card is a good option for loyal Amazon Prime shoppers.
Amazon Prime Store credit card
Another Amazon-branded card is the Amazon Prime Store credit card. This store card is offered exclusively to Amazon Prime members. As a cardholder, you can receive promotional financing or 5% cash back on all eligible Amazon purchases. Also, upon approval, you can receive a $60 Amazon gift card.
With the Amazon Prime Store credit card, you won’t earn additional rewards like you would with the Amazon Prime Rewards Visa Signature Card. This store card is strictly intended for someone who only wants rewards with Amazon and not the extra bells and whistles.
Amazon.com Store credit card
With this store card available to non-Prime members, you can receive promotional financing — meaning you can pay no interest on eligible purchases for six, 12, or 24 months on all orders over $149. However, you must pay in full by the end of the term in order to not incur interest. The Amazon.com Store credit card doesn’t offer additional benefits or perks.
|% cash back||Annual fee||Prime membership required||Additional features and benefits|
|Amazon Rewards Visa Signature||3% cash back at Amazon.com and Whole Foods Market; 2% at restaurants, gas stations, and drugstores; and 1% on all other purchases||$0||No||No foreign transaction fees, travel accident insurance, lost luggage reimbursement, baggage delay insurance, travel and emergency assistance, zero fraud liability, roadside dispatch, purchase protection, access to Visa Signature Luxury Hotel Collection, and more|
|Amazon Prime Rewards Visa Signature||5% cash back at Amazon.com and Whole Foods Market; 2% at restaurants, gas stations, and drugstores; 1% on all other purchases||$0||Yes||No foreign transaction fees, travel accident insurance, lost luggage reimbursement, baggage delay insurance, travel and emergency assistance, zero fraud liability, roadside dispatch, purchase protection, access to Visa Signature Luxury Hotel Collection, and more|
|Amazon Prime Store||5% cash back at Amazon.com or zero-interest promotional financing||$0||Yes||No additional benefits beyond zero fraud liability|
|Amazon.com Store||Zero-interest promotional financing||$0||No||No additional benefits beyond zero fraud liability|
Amazon’s new Credit Builder secured credit cards
There’s one more Amazon-branded option to consider if you’re looking to rebuild your credit or establish a credit history from scratch. The Amazon Credit Builder secured credit cards could help you. Secured credit cards are backed by a security deposit that you make when the account is opened and regular, responsible use of them can help you improve your credit score.
With the Amazon Credit Builder secured credit cards, cardholders can receive promotional financing or 5% cash back for eligible Amazon Prime members. Versions are available for Prime and non-Prime members, similar to the standard Amazon store cards.
Non-Amazon cards that offer cash back on Amazon purchases
Some non-Amazon credit cards offer cash back on Amazon purchases all year round, while other cards offer seasonal or rotating cash back on certain purchase categories that can include Amazon.
For example, the Discover it Cash Back is offering 5% cash back on all eligible Amazon.com, Target, and Walmart.com purchases from October to December of 2019, while the Chase Freedom has a changing schedule of rewards. In addition, both these cards have standard cashback offers year round anywhere you use them.
Another great option is the Bank of America Cash Rewards Credit Card. This card offers 3% cash back on the purchase category of your choice, and you can choose from categories like gas, online shopping, dining, travel, drugstores, or home improvement/furnishings. So, if you select online shopping as your category, the eligible online and mobile merchants include sites like Amazon.com.
|Card||% cash back||Quarterly bonus spending limit||Bonus availability|
|Chase Freedom||5% cash back in rotating bonus categories (up to $1,500 in combined purchases per quarter) and 1% cash back on all other purchases||Up to $1,500||Each quarter you can activate 5% cashback earnings on a specific category. Options sometimes include Amazon.|
|Discover it Cash Back||5% cash back in quarterly rotating categories (including gas stations, grocery stores, restaurants, and Amazon.com), up to quarterly maximum; 1% cash back on all other purchases||Up to $1,500||Each quarter you can activate 5% cashback earnings on a specific category. In 2019, from October to December, you can earn 5% cash back at Amazon.com, Target.com, and Walmart.com.|
|Bank of America Cash Rewards||3% cash back on your choice of category, including online shopping; 2% cash back at grocery stores and wholesale clubs; 1% cash back on all other purchases||3% and 2% cash back on up to $2,500 each quarter||You can change your category each month or keep it the same.|
Best price protection and purchase protection for shopping on Amazon
Price and purchase protection are credit card perks you may not know about, but you could be losing money when you shop on Amazon without these benefits. Here are some insights into how these perks can benefit your wallet over traditional Amazon rewards:
The Citi Double Cash Card offers Citi Price Rewind as a complimentary benefit. Citi Price Rewind searches hundreds of online retailers for a lower price on any item you buy with your Citi card. If the item is found online at a lower price within 60 calendar days of your purchase, you could receive the price difference. You also have the option to submit your own requests that list a different price.
Citi Price Rewind covers up to $200 per item and up to $1,000 annually. If you don’t want to spend your time researching purchases, you may find this perk more valuable than cashback rewards. Note: This program will end on Sept. 22, 2019
Cards like the American Express Gold Card and Chase Sapphire Preferred Card offer purchase protection, which covers damaged or stolen items purchased with the card. In the case of the American Express Gold Card, you are also covered for lost items.
It’s worth it to analyze the numbers and consider how much purchase protection you might need versus the potential annual fee. For example, with the American Express Gold Card, you’re protected for up to $10,000 per occurrence and for a total of $50,000 in a calendar year. The Chase Sapphire Preferred has a much lower annual fee than the Amex Gold Card, but it also offers less protection per claim.
Having purchase protection can save you hundreds or even thousands of dollars. If you’re getting ready to make a large purchase on Amazon, or regular mid-sized purchases, it’s wise to consider cards with purchase protection.
|Card||Annual fee||Protection per claim
||Protection per account
||Days to file claim|
|American Express Gold Card||$250||Up to $10,000||Up to $50,000 per year||90 days (starting Jan. 1, 2020)|
|Chase Sapphire Preferred||$95||Up to $500||Up to $50,000 per year||120 days|
Best business card for shopping on Amazon
If you’re a business owner, you could consider a business card with Amazon cashback rewards. If a lot of your business expenses are through Amazon, a cashback rewards card could offset some of your costs.
Amazon Business Prime American Express Card
The Amazon Business Prime American Express Card offers Amazon cashback rewards to eligible Prime members. In addition to 5% cash back or 90-day interest-free financing, all qualified applicants receive a $125 Amazon gift card.
If you’re a business owner but not a Prime member, you can apply for the Amazon Business American Express Card. This card is similar, but only offers 3% cash back or 60 days interest-free financing on eligible Amazon purchases.
Both cards also come with additional benefits such as expense management tools, extended warranty protection, purchase protection, dispute resolution, and more.
|Card||% Cash Back||Annual Fee||Prime Membership Required|
|Amazon Business Prime American Express Card||5% cash back or 90-day interest-free financing on U.S. purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market||$0||Yes|
|Amazon Business American Express Card||3% cash back or 60-day interest-free financing on U.S. purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market||$0||No|
The bottom line
Whether you’re a loyal Amazon Prime Member or want to finance a large Amazon purchase, one of the Amazon Visa Signature credit cards may be just what you need. On the other hand, if you enjoy flexible cashback reward programs, you may consider the Discover it Cash Back or the Chase Freedom.
When reviewing all of your Amazon Prime credit card options, it’s important to find a card that’s suitable for your lifestyle. With the abundance of credit card choices available, you’re bound to find the best rewards credit card for you.