It seems like nearly everyone shops at Amazon.
And if a recent estimate by Yahoo Finance is even close, nearly everyone does — it reports that Amazon Prime members now exceed 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 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
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 drugstores. Neither card charges foreign transaction fees.
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.
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:
You’ll need to register each quarter to activate quarterly 5% bonus earnings.
Best Cash-back Cards
If you like to keep things simple, check out the Blue Cash Everyday® Card from American Express. 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).
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.
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
- Freedom Flex card
- Discover Cash Back card
- Discover it® Chrome Gas & Restaurants
- Discover NHL card
- Department stores
- Gas stations
- Home improvement stores
- Office supply stores
- Retail stores
- Warehouse clubs
Ultimate Rewards points from your Freedom Flex 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.
Best Business Credit Cards for Amazon Purchases
Best for Amazon.com Purchases
Amazon Business Prime American Express Card
- Select 5% cash-back or 90-day financing on each of your purchases
- 2% 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 (rates and fees)
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.
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, follow these steps:
- Sign in to your Amazon account
- Select “Apply a gift card to your account”
- Enter the 14-15 digit claim number from the back of the card (or from the email you received if you purchased an e-gift card)
- Hit the “check” button to check the code and display the balance on the card
- Click the “Apply to your balance” button, and the amount will be added to your account
- 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.
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.
The information regarding the Amazon Rewards Visa Signature® Card, Amazon Prime Rewards Visa Signature®, Discover It® Cash Back, Discover It® Student Cash Back, NHL® Discover it®, and Discover it® Chrome Gas & Restaurants was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of the American Express® Gold Card, click here.
For rates and fees of the Blue Cash Preferred® from American Express, click here.
For rates and fees of the American Express® Business Gold Card, click here.
For rates and fees of The Platinum Card® from American Express, click here.