The 10+ Best Credit Cards for Amazon.com Purchases

Amazon

Full Disclosure: We may be compensated when you click on links to credit card products from our advertising partners, such as American Express, Chase & Barclays. Opinions on this site are ours alone, and have not been reviewed or approved by the issuer. See our Advertiser Disclosure for more details. Thanks!

It seems like nearly everyone shops at Amazon.

And if a recent estimate by the Consumer Intelligence Research Partners group is even close, nearly everyone does — they report that Amazon Prime members now exceed 100 million, and about 60% of Amazon shoppers are Prime members.

Prime members pay an annual membership fee to receive free shipping and other Amazon benefits, meaning they likely shop a lot on Amazon.

With all that shopping going on, you know we want to make sure you’re taking advantage of the best ways to earn rewards for those purchases!

That’s why we’re going to zero in and take a look at the best credit cards to use for Amazon purchases.

In this article we’ll cover:

  • Which credit cards are best for Amazon purchases
  • How buying Amazon gift cards can deliver even more cash-back/rewards
  • How businesses can earn more rewards at Amazon
  • When protecting your purchase may be more important than earning rewards

If you’re an Amazon shopper, we know you’ll want to learn how to earn the most rewards on your Amazon purchases — so let’s dig in and find out how to do just that.

Best Cash-Back Credit Cards for Amazon Purchases

Best Overall Cash-Back Cards

A logical choice for earning cash-back on your Amazon purchases is to secure an Amazon-branded credit card.

You’ll earn rewards everywhere Visa credit cards are accepted and bonus cash-back at Amazon, Whole Foods, restaurants, gas stations, and drug stores. Neither card charges foreign transaction fees.

Best Credit Cards for Amazon PurchasesEarningsFeatures and Benefits
  • 3% cash-back on Amazon, Whole Food purchases
  • $0 annual fee
  • 2% cash-back at restaurants, gas stations, drugstores
  • Visa Signature benefits
  • 5% cash-back on Amazon, Whole Food purchases
  • Must be an Amazon Prime member
  • $0 annual fee
  • 2% cash-back at restaurants, gas stations, drugstores
  • Visa Signature benefits

Hot Tip: While the easiest redemption option for Amazon rewards is using them toward Amazon purchases, you can also charge every purchase on your Amazon-branded credit card, earn additional points, and then redeem your the rewards as a statement credit. 

Best Quarterly Bonus Category Cash-Back Cards

Several credit cards offer quarterly bonus categories that deliver 5% cash-back at select merchants; Amazon is occasionally one of the merchants featured as a quarterly category.

When this happens, you’ll receive 5% cash-back for your Amazon purchases when using your qualifying credit card on up to $1,500 in purchases per quarter.

The following credit cards may offer Amazon as a quarterly bonus merchant:

  • Chase Freedom®
  • Discover It® Cash Back
  • Discover It® Student Cash Back
  • NHL Discover It®

You’ll need to register each quarter to activate quarterly 5% bonus earnings.

Amazon gift card in box
It’s smart to purchase your Amazon gift cards at a merchant that earns bonus rewards when using your credit card. Image courtesy of Amazon.com.

Best Credit Cards for Purchasing Amazon Gift Cards

It’s possible to maximize reward earnings for your Amazon purchases by first purchasing Amazon gift cards with a credit card that earns bonus category cash-back, or points at selected merchants.

By using your affiliated credit card to purchase Amazon gift cards at these bonus category merchants, you’ll receive elevated earnings over using your card directly on Amazon for your purchases.

Best Overall Credit Cards for Purchasing Amazon Gift Cards

Best Quarterly Bonus Category Credit Cards for Purchasing Amazon Gift Cards

Obviously, your Amazon purchases will earn 5% cash-back if Amazon is featured as a merchant in a quarterly bonus category.

Hot Tip: If Amazon is not a featured merchant, you can still earn 5% cash-back by purchasing Amazon gift cards with your credit card at featured merchants, and then using the gift cards for your Amazon purchase.

Best Quarterly Bonus Category Credit Cards for Amazon Purchases Common 5% bonus category merchants that may sell Amazon gift cards
  • Chase Freedom®
  • Discover It® Cash Back
  • Discover It® Chrome
  • NHL Discover It®
  • Gas stations
  • Supermarkets
  • Department stores
  • Warehouse clubs
  • Home improvement stores
  • Office supply stores
  • Retail stores
  • Drug stores
  • Restaurants

Ultimate Rewards points from your Chase Freedom® card can be leveraged by transferring to a premium Chase Ultimate Rewards-earning credit card — like the Chase Sapphire Reserve®, where rewards can be redeemed for 50% greater value.

Discover It® credit cards feature CashBack Match®, which matches all of the first-year cash-back you’ve earned at your card’s first anniversary, effectively earning 10% (5% + 5%) total cash-back on Amazon purchases.

Hot Tip: For a full list of all merchants selling Amazon gift cards, check out this comprehensive directory.  

Amazon business gift cards
Businesses can purchase Amazon gift cards in bulk to use for employee incentives, rewards, and reimbursement. Image courtesy of Amazon.com.

Best Business Credit Cards for Amazon Purchases

Best for Amazon.com Purchases

The Amazon Business Prime American Express Card

If your business includes a high volume of Amazon purchases, this card’s unlimited 5% cash-back on all Amazon purchases is a top contender.

  • Select 5% cash-back or 90-day financing on each of your purchases
  • 3% cash-back at U.S. restaurants, U.S. gas stations, and U.S. wireless telephone providers
  • 1% cash-back on all other purchases
  • Business expense management tools
  • Purchase/travel protections
  • $0 annual fee

Cash-back can be redeemed as a statement credit, which can help offset bottom-line expenses.

Hot Tip: You must be an Amazon Prime member in order to be approved for this card.

Best for Amazon Gift Card Purchases

If your business spends a lot at office supply stores, you’ll certainly benefit from the 5% cash-back earnings on these two business credit cards.

Don’t currently spend a lot at office supply stores, but have frequent Amazon purchases? You can leverage the 5% cash-back and purchase Amazon gift cards at office supply stores.

Note that these cards do come with some earnings limits:

Hot Tip: If your business would like to use Amazon gift cards as employee incentives, customer rewards, or as a reimbursement tool, you might want to purchase Amazon gift cards in bulk

Iphone for sale
If you’re purchasing an expensive item on Amazon, you may want purchase protection. Image courtesy of Amazon.com.

Best Credit Cards With High-Value Purchase Protection for Amazon Purchases

Rewards and cash-back aren’t always the priority when it comes to shopping on Amazon. You may value the peace of mind delivered when your large purchase is covered for damage, loss, or theft with purchase protection coverage.

Purchase protection that comes with many credit cards provides temporary (90-120 days) coverage for damage, loss, or theft on a qualifying purchase.

First, let’s clarify that all of the credit cards we mentioned here offer some level of purchase protection. If you’re purchasing an expensive item, however, a per-item limit of $500-$1,000 coverage may not be sufficient.

If it’s important that your high-value Amazon purchase is protected, you might choose to forgo elevated rewards earning and gain the purchase protection provided by one of these credit cards.

To qualify for purchase protection coverage, use your credit card for all or part of your purchase. You can also use your Membership Rewards or Ultimate Rewards points earned on your account for the purchase.

Credit cards often carry additional no-cost coverage for your purchase including extended warranty, price protection, and return protection.

Coverage terms and conditions vary, so access your card’s benefits guide to find out which purchase coverages are included on a specific credit card.

You can access the Chase Sapphire Preferred Card guide here — and all American Express purchase protection terms/conditions here.

Hot Tip: For our recommendations on the best credit cards for purchase protection coverage, check out our complete guide for everything you need to know on the topic. 

Everything Else You Need to Know

Not all merchants allow you to purchase Amazon gift cards with credit cards; your experience will vary based on store policies.

Amazon-branded credit cards do not exclude the purchase of Amazon gift cards from earning cash-back. Amazon-branded credit cards also come with an Amazon gift card (usually $50-$75) as a welcome bonus when you’re approved for the credit card.

How to Use an Amazon Gift Card for an Amazon Purchase

To use an Amazon gift card for a purchase, following these steps:

  1. Sign in to your Amazon account
  2. Select “Apply a gift card to your account”
  3. Enter the 14-15 digit claim number from the back of the card (or from the email you receieved if you purchased an e-gift card)
  4. Hit the “check” button to check the code and display the balance on the card
  5. Click the “apply to your balance” button, and the amount will be added to your account
  6. The funds will automatically be available at checkout

Hot Tip: You can also use the mobile app to access your Amazon account, scan the claim number from the back of your Amazon gift card, and then select the “apply to your balance” option to load the funds from the card to your account.

Final Thoughts

Since several credit cards offer the opportunity to earn 5% cash-back on your Amazon purchases (either by direct purchases on Amazon.com or by buying Amazon gift cards), you can use this as a standard for measuring potential earnings.

So which credit card is the best for Amazon purchases? As we frequently conclude, the best credit card for you will be the one that best rewards your purchasing habits, fits your tolerance for paying or not paying an annual fee, and delivers benefits/rewards you can actually use.


*Featured Image Credit: Shutterstock.com

FAQ

Which is the best credit card for Amazon purchases?

The best credit card for your Amazon purchases will depend on your priorities and spending habits.

If cash-back is your preference and you spend a lot on Amazon, then the Amazon Prime Rewards Visa Signature® Card has no annual fee and delivers unlimited 5% cash-back. However, you’ll need to sign up for Amazon Prime.

The Amazon Rewards Visa Signature® Card earns 3% cash-back and does not require you to join Prime or pay an annual fee.

Credit cards with quarterly bonus categories do not have annual fees, and they can earn 5% cash-back. However, the Amazon bonus category or merchants selling Amazon gift cards may not be available every quarter.

If you purchase high-value items, you may want to consider a credit card that has purchase protection to cover the item for a limited period of time from theft, loss, or damage.

What is Amazon Prime?

Amazon Prime is a paid membership that provides benefits to Amazon shoppers.

Members receive free expedited shipping, video/movie streaming, music, free e-reading, shopping deals, and unlimited photo storage.

Prime membership is required to be approved for the Amazon Prime Rewards Visa Signature® Card.

Membership currently costs $119 annually or $12.99 month. Students can purchase membership for $6.49/month or $59 annually. For avid Amazon shoppers, free shipping alone can offset the cost of membership.

Those who are on Medicaid or have an EBT card can receive discounted membership for $5.99/month.

Can I use the Amazon Visa credit card everywhere?

Yes, you can use an Amazon-branded Visa card anywhere Visa is accepted.

However, keep in mind that rewards earned on your Amazon-branded Visa are most easily redeemed for purchases on Amazon.com.

Statement credits, gift cards, transferring cash to your bank account and purchasing travel are options, but have a somewhat more difficult redemption process.

Can I redeem credit card points and cash-back for Amazon purchases?

Yes, several credit cards allow you to use your accumulated cash-back or rewards points for Amazon purchases at checkout.

Discover cash-back, Chase Ultimate Rewards Points, Citi Thank You Points, American Express Membership Rewards Points, and Hilton Honors Points can all be used for Amazon purchases.

Unfortunately, the value you receive when using rewards for Amazon purchases is not usually favorable.

While other credit card rewards give less value, Discover cash-back at least receives 1:1 value for Amazon purchases. You can, however, also transfer Discover cash-back 1:1 to your bank account and use it as you wish.

Advertisement

Chase Sapphire Preferred® Card

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.

Leave a comment

Your email address will not be published.

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. For more information on our advertisers, see here.