The 11 Best Cards for Amazon.com Purchases [2024]

It seems like nearly everyone shops at Amazon.

Amazon reported in 2021 that Amazon Prime members exceeded 200 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 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.

Hide SummaryShow Summary

• Prime Visa card — Best for Cash-back & Discounts at Amazon
• Chase Freedom Flex℠ — Best for Cash-back on Rotating Categories
• Capital One Venture Rewards Credit Card — Best for Earning Miles on Every Purchase
• American Express^® Gold Card — Best for Points on Gift Cards at U.S. Supermarkets
• The Platinum Card^® from American Express — Best for Purchase Protection
• Blue Cash Preferred^® Card from American Express — Best for Cash-back on Gift Cards at U.S. Supermarkets
• Blue Cash Everyday^® Card from American Express — Best for Cash-back on Online Retail Purchases
• Amazon Business Prime American Express Card — Best Business Card for Cash-back at Amazon
• Ink Business Cash^® Credit Card — Best for Cash-back on Gift Cards at Office Supply Stores
• The American Express Blue Business Cash™ Card — Best for Limited Cash-back on All Purchases
• Ink Business Unlimited^® Credit Card — Best for No-limit Cash-back on All Purchases

What To Look For in a Card for Amazon.com Purchases

Amazon.com is a mainstay in everyday life nowadays, and chances are you’re making regular purchases with this company, whether you’re buying household goods, books, or electronics.

In an ideal world, you’ll be using a card that earns the best rewards on purchases made through Amazon.com, excellent purchase protection, and potentially even extended warranty coverage.

If you’re a cash-back fiend, there are many credit cards you should consider opening to maximize your rewards. It gets a little bit more complicated if you want to earn transferrable rewards points like Amex points or Chase points.

So in this first section, we’ll be examining the best personal cards to use for Amazon.com purchases.

Best Personal Cards

Card Summary

Amazon Prime Signature Card (Best for Cash-back & Discounts at Amazon)

Prime Visa Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A strong rewards card if you shop regularly at Amazon.com and Whole Foods.

Apply Now(at Amazon.com)

Prime Visa Card

A strong rewards card if you shop regularly at Amazon.com and Whole Foods.

Welcome Offer

Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members.

$150 Amazon gift card

UP's Bonus Valuation*:

$150

Annual Fee

$0

APR

19.74% - 28.49% Variable

Why We Like This Card

We all do our fair share of shopping on Amazon, some of us more than others, and when we shop with Amazon, we obviously want to get the best deal possible. Now, with the Prime Visa Card, you can add a credit card to your wallet that will help you do just that.

You’ll not only earn rewards on all of your Amazon and Whole Foods purchases, but on 4 other bonus categories as well, along with flexible redemption options, all for no annual fee!

When you consider everything that the Prime Visa card offers, it is basically a no-brainer for those who frequently shop with Amazon. Let’s dig a little deeper to see just how much the card can save you.

Pros & Cons

Pros

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

Cons

• Amazon Prime membership required

Read Full Review

Card Highlights

• Get a $150 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

Financial Snapshot

• APR: 19.74% - 28.49% Variable
• Foreign Transaction Fees: $0

A logical choice for earning cash-back on your Amazon purchases is to secure an Amazon-branded credit card. The best Amazon-branded personal card is the Amazon Prime Signature card, which is issued by Chase.

You’ll earn rewards everywhere Visa credit cards are accepted, as well as bonus cash-back at Amazon, Whole Foods, restaurants, gas stations, and local transit/commnuting.

At the moment, you can expect to earn up to 5% cash-back:

• 5% cash-back at Amazon.com, Whole Foods, and Chase Travel with an eligible Prime membership
• 2% cash-back at restaurants, gas stations, and local transit/commuting
• 1% cash-back on other purchases

This credit card has contactless payments, basic travel insurance through Visa Signature, purchase protection, extended warranty, no foreign transaction fees, and no additional annual fees for authorized users.

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 rewards as a statement credit. 

Freedom Flex Card (Best for Cash-back on Rotating Categories)

Chase Freedom Flex^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

Apply Now(at Chase's secure site)

Chase Freedom Flex^®

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

Welcome Offer

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

$200

Annual Fee

$0

APR

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.

The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.

Pros & Cons

Pros

• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
• Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
• No annual fee

Cons

• 3% foreign transaction fees in U.S. dollars

Read Full Review

Card Highlights

• Earn a $200 Bonus after you spend $500 on purchases in your 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 Travel℠, 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 19.74%-28.49%.
• 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.
• Member FDIC

Financial Snapshot

• APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

The Freedom Flex card offers quarterly bonus categories that deliver 5% cash-back at select merchants (when activated); 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.

Also, you can earn up to 5% cash-back on other purchases:

• 5% cash-back on travel purchased through Chase Travel
• 3% cash-back on dining, including takeout and eligible delivery services
• 3% cash-back on drugstore purchases
• 1% cash-back on other purchases

Notably, the Freedom Flex card also comes with a welcome bonus, which includes a 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%..

While you’re using this card, be sure to keep in mind that you have purchase protection, extended warranty, cell phone protection, and zero liability fraud protection. Of course, travel insurance perks are included, ranging from trip interruption and cancellation coverage to secondary rental car insurance.

There are no additional annual fees for authorized users.

Why We Like Earning Chase Ultimate Rewards Points

With the right credit card pairing alongside the Freedom Flex card, such as the Chase Sapphire Preferred^® Card or the Chase Sapphire Reserve^®, you can convert your cash-back to Ultimate Rewards points at a 1% to 1x ratio, which translates to a maximum of 5x Ultimate Rewards points on Amazon.com purchases if it’s a quarterly category.

Earning 5x Ultimate Rewards points translates to a return on spending of 10% based on our valuations, which is huge.

You can redeem those points for exceptional value by transferring them to travel partners for luxury award travel. Other ways to use Chase points include travel bookings through the Chase travel portal, Pay Yourself Back, statement credits, gift cards, and so on.

Capital One Venture Card (Best for Earning Miles on Every Purchase)

Terms Apply / Rates & Fees

Capital One Venture Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Apply Now(at Capital One's secure site)

Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Welcome Offer

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

75,000 miles

UP's Bonus Valuation*:

$1,350

Annual Fee

$95

APR

19.99% - 29.49% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent Credit (670-850)

Why We Like This Card

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros & Cons

Pros

• 5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
• 2x miles per $1 on all other purchases
• Up to a $120 Global Entry or TSA PreCheck application fee credit

Cons

• $95 annual fee (rates & fees)
• Limited elite benefits

Read Full Review

Card Highlights

• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
• Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

• APR: 19.99% - 29.49% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

The Capital One Venture card is one of our favorite travel rewards credit cards, especially if you’re looking for mid-level rewards at a mid-level price point. Currently, there’s a welcome bonus being offered, plus the ongoing ability to earn up to 5x Capital One miles on your purchases:

• 5x miles on rental cars, vacation rentals, and hotels booked through Capital One Travel
• 2x miles on other purchases

With the Capital One Venture card, you’re entitled to complimentary Hertz Five Star status and a $120 Global Entry or TSA PreCheck application fee credit.

You can also enjoy basic travel insurance, extended warranty, fraud alerts, zero fraud liability protection, no foreign transaction fees (rates & fees), and authorized users for no additional annual fees (rates & fees).

Why We Like Earning Capital One Miles

Capital One miles are worth 1.8 cents each by our valuations, which translates to a 3.6% return on spending for Amazon.com purchases.

You can certainly get even better value than that by booking award flights through Capital One’s transfer partners.

Other ways to use your Capital One miles include Capital One Travel bookings, statement credits, gift cards, and online shopping, but you won’t get anywhere near as good of a redemption value through these methods.

Amex Gold Card (Best for Points on Gift Cards at U.S. Supermarkets)

BEST FOR DINING

Terms Apply / Rates & Fees

American Express^® Gold Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

American Express^® Gold Card

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Welcome Offer

Earn 60,000 Membership Rewards^® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

60,000 points

UP's Bonus Valuation*:

$1,200

Annual Fee

$325

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The American Express^® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros & Cons

Pros

• 4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
• 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
• 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com

Cons

• $325 annual fee (rates and fees)
• No lounge access

Read Full Review

Card Highlights

• Earn 60,000 Membership Rewards^® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
• Earn 4X Membership Rewards^® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 4X Membership Rewards^® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 3X Membership Rewards^® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
• Earn 2X Membership Rewards^® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
• Earn 1X Membership Rewards^® point per dollar spent on all other eligible purchases.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
• $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express^® Gold Card at U.S. Dunkin' locations.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express^® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
• $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express^® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
• Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
• No Foreign Transaction Fees.
• Annual Fee is $325.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

The Amex Gold card isn’t always the first card that comes to mind when optimizing for Amazon.com purchases. Even though it doesn’t have any obvious bonus category to earn more points on Amazon.com purchases, we’re here to tell you that it’s still possible!

To start, the Amex Gold card has a welcome bonus, plus the ability to earn up to 4x points on card purchases:

• 4x points at restaurants worldwide, plus takeout and delivery in the U.S. (up to $50,000 per year, then 1x)
• 4x points at U.S. supermarkets (up to $25,000 per year, then 1x)
• 3x points on flights booked directly with the airline or through AmexTravel.com
• 1x points on other purchases

One of the secrets is that you can 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 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.

In this case, you’ll want to use the Amex Gold card to purchase Amazon.com gift cards at U.S. supermarkets to qualify for 4x points!

Hot Tip: Check out this comprehensive directory for a full list of merchants selling Amazon gift cards.

Also, the Amex Gold card offers the following statement credits every year:

• Up to $120 in Uber Cash, which is good for rides and Uber Eats orders in the U.S. (up to $10 per month)
• Up to $120 dining credit, which is good at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys (up to $10 per month)
• Up to $100 Resy credit redeemable at any U.S. Resy restaurant and other eligible Resy purchases (distributed as $50 semi-annually)
• Up to $84 Dunkin’ credit redeemable at U.S. Dunkin’ locations (distributed as $7 per month)

Note that enrollment is required for some benefits, so make sure you’re enrolled to get the most out of your card’s benefits.

The Amex Gold card also has no preset spending limit*, access to The Hotel Collection, no foreign transaction fees, secondary rental car insurance, travel protections, and no additional annual fees for the first 5 authorized users ($35 per card after that) (rates & fees).

Why We Like Earning Amex Membership Rewards Points

Amex Membership Rewards points are the most valuable in the business. They’re worth 2.2 cents each, and earning 4x points translates to an 8.8% return on spending.

Of course, you can get even better value by using your points with the Amex transfer partners for luxury business and first class travel. If that’s not your interest, you can also use Amex points for charitable donations, AmexTravel.com bookings, online shopping, gift cards, and statement credits.

Amex Platinum Card (Best for Purchase Protection)

BEST LOUNGE ACCESS

Terms Apply / Rates & Fees

The Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The Platinum Card^® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Welcome Offer

Earn 80,000 Membership Rewards^® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.

80,000 points

UP's Bonus Valuation*:

$1,760

Annual Fee

$695

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card^® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros & Cons

Pros

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com

Cons

• $695 annual fee (rates and fees)
• Airline credit does not cover airfare (only incidentals like checked bags)

Read Full Review

Card Highlights

• Earn 80,000 Membership Rewards^® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
• Earn 5X Membership Rewards^® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards^® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings through American Express Travel using your Platinum Card^®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card^® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card^® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card^®.
• $200 Uber Cash: Platinum Card^® Members can get out and about and explore their local area with $15 in Uber Cash for US rides each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. Simply download the Uber app and add your Platinum Card^® to your Uber account to get started. Available to Basic Card Member only. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
• $199 CLEAR^® Plus Credit: CLEAR^® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck^® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card^®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card^®. That's up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card^® to your Resy profile.
• $695 annual fee.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

The Amex Platinum card is a fan-favorite card for those interested in luxury travel benefits. It also comes with the ability to enjoy top-notch purchase protection while still earning Amex points.

Right now, there’s a substantial welcome bonus, plus 5x points earnings:

• 5x points on flights booked directly with airlines or with AmexTravel.com (up to $500,000 of these purchases every calendar year)
• 5x points on prepaid hotels booked with AmexTravel.com
• 1x points on other 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 to 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 to $1,000 coverage may not be sufficient.

If your high-value Amazon purchase must be protected, you might choose to forgo elevated rewards earning and gain the purchase protection provided by one of these credit cards.

The Amex Platinum card will generally only net you 1x Amex points on Amazon.com purchases, but this card boasts some of the best purchase protection coverage, which covers up to $10,000 per item and up to $20,000 in protection every calendar year.

Beyond that, the Amex Platinum card has no preset spending limit*, making it easy to make large purchases as needed.

Also, we love the incredible list of luxury travel benefits you get from the Amex Platinum card:

• Access to the largest network of airport lounges through the American Express Global Lounge Collection
• Access to Fine Hotels & Resorts and The Hotel Collection
• Complimentary Hilton Honors Gold and Marriott Bonvoy Gold Elite status (after enrollment)
• Complimentary elite status and perks with Avis, Hertz, and National Car Rental
• Up to $200 in airline fee credits every year (enrollment required)
• Up to $200 in prepaid hotel credits on eligible stays every year
• Up to $199 in CLEAR Plus credits every year
• Up to $120 in Global Entry or TSA PreCheck application fee credit (as of October 1, 2024)

The benefits go on and on, including up to $300 in Equinox credits every year, up to $240 in digital entertainment credits every year, $12.95 in Walmart+ credits every year, extended warranty, cell phone protection, no foreign transaction fees, and more (rates & fees).

Amex Blue Cash Preferred Card (Best for Cash-back on Gift Cards at U.S. Supermarkets)

HIGHEST CASH BACK

Terms Apply / Rates & Fees

Blue Cash Preferred^® Card from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Blue Cash Preferred^® Card from American Express

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

Welcome Offer

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

$250

Annual Fee

$0 intro annual fee for the first year, then $95.

APR

18.24%-29.24% Variable,0% on purchases for 12 months

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Blue Cash Preferred^® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make.

With bonus categories like U.S. supermarkets, select U.S. streaming services, U.S. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way! For those looking to earn up to 6% cash-back on their purchases, this could be the card for you!

Pros & Cons

Pros

• 6% cash-back at U.S. supermarkets (up to $6,000 per year)
• 6% cash-back on select U.S. streaming subscriptions
• 3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)

Cons

• $0 intro annual fee for the first year, then $95 annual fee (rates and fees)

Read Full Review

Card Highlights

• Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
• $0 intro annual fee for the first year, then $95.
• Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It^® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
• Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.24% - 29.24%.
• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back at U.S. gas stations.
• 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
• 1% Cash Back on other purchases.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: 18.24%-29.24% Variable,0% on purchases for 12 months
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Rewards Center

Redeem cash-back through your American Express account

The Amex Blue Cash Preferred card offers a welcome bonus, plus industry-leading cash-back rewards. Expect to earn up to 6% cash-back when you use this card:

• 6% cash-back at U.S. supermarkets (up to $6,000 per calendar year)
• 6% cash-back on select U.S. streaming subscriptions
• 3% cash-back at U.S. gas stations
• 3% cash-back on transit, including taxis/rideshare, buses, parking, tolls, trains, and more

We love the ability to earn 6% cash-back at U.S. supermarkets — if you can buy your Amazon.com gift cards at a U.S. supermarket, you can be eligible to earn 6% cash-back, which is even better than the Amazon Prime Signature card!

Plus, you’ll get the following statement credits with this card:

• $7 monthly statement credit when you spend $9.99 or more each month on an auto-renewing subscription to The Disney Bundle (Enrollment required and valid only at DisneyPlus.com, Hulu.com, or Plus.espn.com in the U.S.)

The Amex Blue Cash Preferred card also has secondary rental car insurance, access to Global Assist, return protection, and no-additional fee authorized users (rates & fees).

Cash-back earned on this card comes in the form of Reward Dollars which can’t be converted into American Express Membership Rewards, but it could be a good option for anyone looking for a simple way to earn cash-back on Amazon.com purchases.

Amex Blue Cash Everyday Card (Best for Cash-back on Online Retail Purchases)

Terms Apply / Rates & Fees

Blue Cash Everyday^® Card from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Blue Cash Everyday^® Card from American Express

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

Welcome Offer

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

$200

Annual Fee

$0

APR

18.24%-29.24% Variable,0% on purchases for 15 months

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday^® Card from American Express apart from the rest?

This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.

Pros & Cons

Pros

• 3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.
• 3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.
• 3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.

Cons

• Rewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Read Full Review

Card Highlights

• 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, 18.24% to 29.24% 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.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: 18.24%-29.24% Variable,0% on purchases for 15 months
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

If you like to keep things simple, check out the Amex Blue Cash Everyday card.

This card earns 3% cash-back at U.S. online retailers (including Amazon.com) on up to $6,000 in purchases each year. Additionally, it earns 3% cash-back at U.S. gas stations (up to $6,000 in purchases each year) and 3% cash-back at U.S. supermarkets (up to $6,000 in purchases each year). You’ll get 1% cash-back on other purchases.

The Amex Blue Cash Everyday card even comes with the same $7 monthly statement credit, upon enrollment, when you spend $9.99 or more every month on an eligible subscription to The Disney Bundle, and it also offers up to $15 per month in Home Chef credits (up to $180 per year and enrollment required).

Enjoy purchase protection, fraud protection, secondary rental car insurance, Global Assist, and authorized users for no additional annual fees (rates & fees).

Best Business Cards

Card Summary

Amazon Business Prime Amex Card (Best Business Card for Cash-back at Amazon)

Terms Apply / Rates & Fees

Amazon Business Prime American Express Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Apply Now(at Amex's secure site)

Amazon Business Prime American Express Card

Welcome Offer

Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.

$125 Amazon Gift Card

UP's Bonus Valuation*:

$125

Annual Fee

No annual fee

APR

18.49% - 26.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent Credit Recommended (670-850)

Why We Like This Card

The Amazon Business Prime Amex card is a compelling option for business owners who frequently make purchases with Amazon, Amazon Business, Amazon Web Services, and Whole Foods.

Pros & Cons

Pros

• 5% back, or 90 day terms, on U.S. purchases at Amazon.com, Amazon Business, AWS, and Whole Foods Market on the first $120,000 in purchases each calendar year, 1% Back thereafter
• 2% back on U.S. purchases at restaurants, gas stations, and wireless phone services purchased directly from service providers
• 1% back on all other purchases

Cons

• 5% back rewards are limited to $120,000 per year in purchases
• Requires an Amazon Prime membership

Read Full Review

Card Highlights

• 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.

Financial Snapshot

• APR: 18.49% - 26.49% Variable
• Foreign Transaction Fees: None

If your business includes a high volume of Amazon purchases, the Amazon Business Prime Amex card‘s unlimited 5% cash-back on all Amazon purchases is a top contender:

• 5% cash-back or 90-day financing terms at Amazon Business, AWS, Amazon.com, and Whole Foods Market (up to $120,000 in purchases per calendar year)
• 2% cash-back on U.S. purchases at restaurants
• 2% cash-back at U.S. gas stations
• 2% cash-back on U.S. wireless phone services purchased directly from U.S. service providers (excluding Google Fi)
• 1% cash-back on other purchases

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

With this card, you can get enhanced data views for Amazon Business, secondary car rental coverage, baggage insurance, purchase protection, extended warranty, no foreign transaction fees, and no-additional fee employee cards (rates & fees).

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

Ink Business Cash Card (Best for Cash-back on Gift Cards at Office Supply Stores)

Ink Business Cash^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Apply Now(at Chase's secure site)

Ink Business Cash^® Credit Card

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Welcome Offer

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

Up to $750

UP's Bonus Valuation*:

Up to $750

Annual Fee

$0

APR

0% intro APR on purchases for 12 months; 17.74% - 25.74% variable thereafter.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Ink Business Cash^® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 17.74% - 25.74% thereafter, you could be adding big value back into your business for no cost out of pocket.

Pros & Cons

Pros

• Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
• Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
• Travel insurance and purchase protection

Cons

• Spending caps in bonus categories
• Low points earning outside of bonus categories

Read Full Review

Card Highlights

• Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
• 0% introductory APR for 12 months on purchases
• Member FDIC

Financial Snapshot

• APR: 0% intro APR on purchases for 12 months; 17.74% - 25.74% variable thereafter.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

If your business spends a lot at office supply stores, you’ll certainly benefit from the 5% cash-back earnings on the Ink Business Cash card. Don’t currently spend a lot at office supply stores, but have frequent Amazon purchases? You can leverage the 5% cash-back at office supply stores to purchase Amazon gift cards there.

Currently, the Ink Business Cash card earns a terrific welcome bonus, which also includes a promotion for 0% intro APR on purchases for 12 months; variable 17.74% - 25.74% thereafter.

Beyond that, earn 5% cash-back as follows:

• 5% cash-back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services every cardmember anniversary year
• 5% cash-back on Lyft purchases through March 31, 2025
• 2% cash-back on the first $25,000 spent in combined purchases at gas stations and restaurants every cardmember anniversary year
• 1% cash-back on other purchases

The cash-back rewards earned can be converted to Ultimate Rewards points if you also happen to have a card like the Chase Sapphire Preferred card or Ink Business Preferred^® Credit Card. That can elevate your return on spending to a maximum of 10% when earning 5x Ultimate Rewards points.

You can also utilize primary rental car insurance, roadside dispatch, purchase protection, extended warranty, and no additional fee employee cards.

Amex Blue Business Cash Card (Best for Limited Cash-back on All Purchases)

Terms Apply / Rates & Fees

The American Express Blue Business Cash™ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.

Apply Now(at Amex's secure site)

The American Express Blue Business Cash™ Card

Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.

Welcome Offer

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

$250

Annual Fee

No annual fee

APR

17.49% - 25.49% Variable,0% on purchases for 12 months from date of account opening

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

Looking for a way to keep tabs on your office supply costs and business travel expenses while earning cash-back? Then The American Express Blue Business Cash™ Card could be a good fit.

This card offers expense management solutions that are designed to give companies more control, along with a much clearer picture of their business spending. In doing so, the more you spend, the more cash-back you can earn.

Pros & Cons

Pros

• 2% cash-back on up to $50,000 in spend, then 1% back thereafter
• No annual fee
• Travel and purchase protection

Cons

• Not ideal for those who spend a lot on a specific category like groceries or gas

Read Full Review

Card Highlights

• Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 25.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
• Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
• From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
• The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
• No Annual Fee
• Terms Apply

Financial Snapshot

• APR: 17.49% - 25.49% Variable,0% on purchases for 12 months from date of account opening
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

The Amex Blue Business Cash card offers a streamlined cash-back rewards structure with a welcome bonus and a 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 25.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%. Expect to earn 2% cash-back on purchases (up to $50,000 per calendar year). After that $50,000 cap is reached, you’ll earn 1% cash-back.

Your rewards are automatically credited to your statement, which makes earning rewards automatic and super easy.

Other benefits on this credit card include secondary rental car insurance, purchase protection, extended warranty, and no-additional fee employee cards (rates & fees).

Ink Business Unlimited Card (Best for No-limit Cash-back on All Purchases)

Ink Business Unlimited^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Apply Now(at Chase's secure site)

Ink Business Unlimited^® Credit Card

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Welcome Offer

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

$750

UP's Bonus Valuation*:

$750

Annual Fee

$0

APR

0% intro APR on purchases for 12 months; variable 17.74% - 23.74% thereafter

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited^® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 17.74% - 23.74% thereafter

Pros & Cons

Pros

• 1.5% cash-back on all purchases
• No annual fee
• 0% intro APR on purchases for 12 months; variable 17.74% - 23.74% thereafter

Cons

• 3% foreign transaction fee

Read Full Review

Card Highlights

• Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• 0% introductory APR for 12 months on purchases
• Member FDIC

Financial Snapshot

• APR: 0% intro APR on purchases for 12 months; variable 17.74% - 23.74% thereafter
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

• Chase Ultimate Rewards

The last card in our article is the Ink Business Unlimited card, which offers enhanced rewards on all purchases as opposed to specific bonus categories. Just like the Ink Business Cash card, it has a sizable welcome bonus, which also includes 0% intro APR on purchases for 12 months; variable 17.74% - 23.74% thereafter.

The difference is you’ll follow this earning structure:

• 5% cash-back on Lyft purchases
• 1.5% cash-back on other purchases

So for Amazon.com transactions, you’ll earn 1.5% cash-back. However, your 1.5% cash-back can be converted to 1.5x Ultimate Rewards points if you also have an Ultimate Rewards card like the Chase Sapphire Preferred card or Ink Business Preferred card. That would translate to a return on spending of 3%!

There’s primary rental car coverage, purchase protection, extended warranty, zero liability fraud protection, and no-additional fee employee cards.

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. 

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 to $100) 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, follow these steps:

1. Sign in to your Amazon account.
2. Select “Apply a gift card to your account.”
3. Enter the 14 to 15 digit claim number from the back of the card (or from the email you received 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.

*No Preset Spending Limit on an American Express card means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

For Capital One products listed on this page, some of the benefits may be provided by Visa^® or Mastercard^® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Enrollment required through Capital One website or mobile app. Upon enrollment, eligible cardholders will remain at upgraded status level through December 31, 2024.  Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier.  Additional terms apply.

For the car rental collision damage coverage benefit of the American Express^® Gold Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc.

For the purchase protection benefit of The Platinum Card^® from American Express, purchase protection is an embedded benefit of your card membership and requires no enrollment. It can help protect covered purchases made on your eligible card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the covered purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per card member account per calendar year. Coverage limits apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the extended warranty benefit of The Platinum Card^® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the Cell Phone Protection benefit of The Platinum Card^® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the car rental collision damage coverage benefit of the Blue Cash Preferred^® Card from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the Global Assist Hotline benefit of the Blue Cash Preferred^® Card from American Express, you can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.

For the Return Protection benefit of The Blue Cash Preferred^® Card from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. 

For the car rental collision damage coverage benefit of the Blue Cash Everyday^® Card from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the Global Assist Hotline benefit of the Blue Cash Everyday^® Card from American Express, you can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.

For the purchase protection benefit of the Blue Cash Everyday^® Card from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the car rental collision damage coverage benefit of The American Express Blue Business Cash™ Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the purchase protection and extended warranty benefits of The American Express Blue Business Cash™ Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.