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

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Christine Krzyszton

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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

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.

The 7 Best Personal Cards for Amazon.com Purchases

Card Summary

SCROLL FOR MORE
CardWelcome Bonus and Annual FeeAmazon Benefits
Prime Visa card
  • Earn a $150 Amazon Gift Card upon approval
  • Annual fee of $0
  • 5% cash-back on Amazon, Whole Food purchases (must be an Amazon Prime member)
  • 2% cash-back at restaurants, gas stations, and local transit/commuting
Chase Freedom Flex℠
  • Earn a $200 bonus after you spend $500 on purchases in your first 3 months.
  • Annual fee of $0
  • 5% cash-back on quarterly rotating categories
  • 5% cash-back on travel purchased through Chase Travel
  • 3% cash-back on dining
  • 1% cash-back on other purchases
Capital One Venture Rewards Credit Card
  • Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months.
  • Annual fee of $95 (rates & fees)
  • 5x miles on hotels and rental cars booked through Capital One Travel
  • 2x miles on Amazon purchases
American Express® Gold Card
  • Earn 60,000 points when you spend $6,000 on purchases in the first 6 months.
  • Annual fee of $250 (rates & fees)
  • 4x points spent at U.S. supermarkets (up to $25,000 in purchases per calendar year)
  • 4x points at restaurants, plus takeout and delivery in the U.S.
  • 3x points on flights purchased directly from airlines or through AmexTravel.com
  • 1x points on other purchases
The Platinum Card® from American Express
  • Earn 80,000 points after spending $8,000 on purchases in the first 6 months.
  • Annual fee of $695 (rates & fees)
  • 1x points on all Amazon purchases
  • Purchase protection of $10,000 per claim, $50,000 per account, 90 days from purchase
Blue Cash Preferred® Card from American Express
  • Earn a $250 statement credit after spending $3,000 in purchases in the first 6 months.
  • Annual fee of $0 intro annual fee for the first year, then $95 (rates & fees)
  • 6% cash-back at U.S. supermarkets (up to $6,000 in purchases/year)
  • 3% cash-back at U.S. gas stations
  • 6% cash-back on select U.S. streaming subscriptions
  • 1% cash-back on other purchases
Blue Cash Everyday® Card from American Express
  • Earn a $200 statement credit after spending $2,000 in purchases in the first 6 months.
  • Annual fee of $0 (rates & fees)
  • 3% cash-back at U.S. supermarkets (up to $6,000 in purchases/year)
  • 3% cash-back at U.S. gas stations (up to $6,000 in purchases/year)
  • 3% cash-back on U.S. online retail purchases (up to $6,000 in purchases/year)

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

Prime Visa Card

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.

Learn More(at Amazon.com)

Prime Visa Card

A strong rewards card if you shop regularly at Amazon.com and Whole Foods.
Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
$100 Amazon Gift Card
$100
$0
19.49% - 27.49% Variable

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

  • 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
  • No annual fee
  • No foreign transaction fees
  • Flexible redemption options
  • Purchase protection/extended warranty protection
  • Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
  • Earn unlimited 5% back at Amazon.com, Amazon Fresh, and Whole Foods Market with an eligible Prime membership
  • Earn unlimited 5% back on Chase Travel purchases 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: 19.49% - 27.49% Variable
  • Foreign Transaction Fees: $0

Card Categories

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℠

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.

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.
Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
$200
$0
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
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)

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

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
  • 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
  • Excellent cell phone insurance
  • Ability to pool points
  • Mastercard World Elite benefits

Cons

  • 3% foreign transaction fees in U.S. dollars
  • 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 Ultimate Rewards®, 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 20.49%-29.24%.
  • 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 20.49%-29.24%.
  • Foreign Transaction Fees: None

Card Categories

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 20.49%-29.24%..

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)

Capital One Venture Rewards Credit CardTerms 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!

Learn More(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!
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
$1,350
$95
19.99% - 29.99% (Variable)
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)

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

  • 5x miles per $1 on hotels and rental cars booked through Capital One Travel
  • 2x miles per $1 on all other purchases
  • Global Entry or TSA PreCheck application fee credit
  • No foreign transaction fees (rates & fees)
  • Access to Capital One transfer partners

Cons

  • 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 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 $100 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
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

  • APR: 19.99% - 29.99% (Variable)
  • Foreign Transaction Fees: None

Card Categories

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 and hotels booked through Capital One Travel
  • 2x miles on other purchases

With the Capital One Venture card, you’re entitled to 2 free lounge visits per year to Capital One Lounges or Plaza Premium Lounges, as well as complimentary Hertz Five Star status and a $100 Global Entry/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
American Express® Gold CardTerms 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!

Learn More(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!
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months.
60,000 points
$1,320
$250
See Pay Over Time APR
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)

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

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

  • 4x points per dollar at restaurants, plus takeout and delivery in the U.S.
  • 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
  • 3x points per dollar on flights purchased directly from airlines or at Amex Travel
  • Up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations
  • Up to $120 in annual Uber Cash: get $10 monthly in Uber Cash for Uber Eats orders or Uber rides in the U.S. when you add your Gold Card to your Uber account
  • No foreign transaction fees (see rates and fees)
  • Access to Amex’s The Hotel Collection
  • Access to American Express transfer partners

Cons

  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $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.
  • $120 Dining Credit: Satisfy your cravings and 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, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.

Financial Snapshot

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

Card Categories

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.
  • 4x points at U.S. supermarkets (up to $25,000 per year)
  • 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 up to $240 in statement credits every year:

  • Up to $120 in dining credits every year ($10 per month) at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations (enrollment required)
  • Up to $120 in Uber Cash every year ($10 per month) on Uber rides or Uber Eats orders in the U.S.

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
The Platinum Card® from American ExpressTerms 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.

Learn More(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.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on the Card in your first 6 months of Card Membership.
80,000 points
$1,760
$695
See Pay Over Time APR
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)

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

  • 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
  • Annual and monthly statement credits upon enrollment (airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit)
  • TSA PreCheck or Global Entry credit
  • Access to American Express Fine Hotels and Resorts
  • Access to Amex International Airline Program
  • No foreign transaction fees (rates and fees)

Cons

  • $695 annual fee (rates and fees)
  • Airline credit does not cover airfare (only incidentals like checked bags)
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • 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 with American Express Travel when you pay with 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.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
  • $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: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
  • $100 Global Entry Credit: Receive either a $100 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.
  • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. 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.
  • Terms Apply.

Financial Snapshot

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

Card Categories

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:

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
Blue Cash Preferred® Card from American ExpressTerms 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.

Learn More(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.
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$250
$0 intro annual fee for the first year, then $95.
19.24%-29.99% Variable,0% on purchases for 12 months
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)

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 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

  • 6% cash-back at U.S. supermarkets (up to $6,000 per year) and on select streaming services
  • 6% cash-back on select U.S. streaming subscriptions
  • 3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)
  • 1% cash-back on all other purchases

Cons

  • $0 intro annual fee for the first year, then $95 annual fee (rates and fees)
  • Earn a $250 statement credit after you spend $3,000 in 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 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
  • 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.
  • Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
  • 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 Preferred® Card. Enrollment required.
  • Terms Apply.

Financial Snapshot

  • APR: 19.24%-29.99% Variable,0% on purchases for 12 months
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Card Categories

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 2 types of statement credits with this card:

  • $7 monthly statement credit when you spend $9.99 or more each month on a subscription to The Disney Bundle
  • Up to $120 in Equinox+ credits (up to $10 per month)

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)

Blue Cash Everyday® Card from American ExpressTerms 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!

Learn More(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!
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
$200
$0
19.24%-29.99% Variable,0% on purchases for 15 months
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)

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

  • 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.
  • Monthly credit towards The Disney Bundle
  • Monthly credit towards Home Chef

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.
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • No Annual Fee.
  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% 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.
  • Terms Apply.

Financial Snapshot

  • APR: 19.24%-29.99% Variable,0% on purchases for 15 months
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Card Categories

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 when you spend $9.99 or more every month on a subscription to The Disney Bundle, and it also offers up to $15 per month in Home Chef credits (up to $180 per year).

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

The 4 Best Business Cards for Amazon.com Purchases

Card Summary

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CardWelcome Bonus and Annual FeeAmazon Benefits
Amazon Business Prime American Express Card
  • Eligible Prime Members get a $125 Amazon Gift Card upon approval.
  • Annual fee of $0 (rates & fees)
  • 5% cash-back on U.S. purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market (with an eligible Prime membership, up to the first $120,000 in purchases every calendar year)
Ink Business Cash® Credit Card
  • Earn $350 when you spend $3,000 in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 months.
  • Annual fee of $0
  • 5% cash-back at office supply stores, internet, and cable or phone services (on up to $25,000 in purchases per year)
  • 2% cash-back at gas stations/restaurants (on up to $25,000 in purchases per year)
  • 1% cash-back on Amazon.com purchases
  • Purchase protection of $10,000 per claim and $50,000 per account, 120 days from purchase
The American Express Blue Business Cash™ Card
  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • Annual fee of $0 (rates & fees)
  • 2% cash-back on everyday business purchases, on up to $50,000 in purchases per year
  • 1% cash-back on other purchases
Ink Business Unlimited® Credit Card
  • Earn $750 cash back after spending $6,000 in the first 3 months.
  • Annual fee of $0
  • 5% cash-back on travel purchased through Chase Travel
  • 1.5% cash-back on all purchases
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

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

Amazon Business Prime American Express CardTerms 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.

Learn More(at Amex's secure site)
Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
$125 Amazon Gift Card
$125
No annual fee
19.49% - 27.49% Variable
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)
  • 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.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will 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
  • $0 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.
  • With rewards that don’t expire, you choose when to redeem. 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: 19.49% - 27.49% Variable
  • Foreign Transaction Fees: None

Card Categories

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 service providers
  • 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.

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

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.

Learn More(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.
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 to $750
$0
0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
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)

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 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.

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
  • 10% Business Relationship Bonus if you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
  • Travel insurance and purchase protection
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Employee cards at no additional cost
  • No annual fee

Cons

  • Spending caps in bonus categories
  • Low points earning outside of bonus categories
  • 3% foreign transaction fees
  • 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
  • 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
  • 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; 18.49% - 24.49% variable thereafter.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Card Categories

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 18.49% - 24.49% 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)

The American Express Blue Business Cash™ CardTerms 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.

Learn More(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.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
$250
$0
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
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)

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

  • 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
  • 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, 18.49% – 26.49%, 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.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
  • No Annual Fee
  • Terms Apply

Financial Snapshot

  • APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars

Card Categories

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, 18.49% - 26.49%, 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

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.

Learn More(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.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750
$750
$0
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
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)

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 18.49% - 24.49% thereafter

Pros

  • 1.5% cash-back on all purchases
  • No annual fee
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Employee cards at no additional cost
  • Earn flexible rewards

Cons

  • 3% foreign transaction fee
  • 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 18.49% - 24.49% thereafter
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Card Categories

Rewards Center

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 18.49% - 24.49% 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.

For Capital One products listed on this page, some of the above benefits are 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.

The information regarding the Chase Freedom Flex℠ 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 Platinum Card® from American Express, click here.
For rates and fees of the Blue Cash Preferred® Card from American Express, click here.
For rates and fees of the Blue Cash Everyday® from American Express, click here.
For rates and fees of the Amazon Business Prime American Express Card, click here.
For rates and fees of The American Express Blue Business Cash™ Card, click here.

Frequently Asked Questions

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 Signature card has no annual fee and delivers unlimited 5% cash-back. However, you’ll need to sign up for Amazon Prime.

The Amazon 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 like the Freedom Flex card 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 card like the Amex Platinum 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 Signature card.

Membership currently costs $139 annually or $14.99 per month. Students can purchase membership for $7.49 per month or $69 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 $6.99 per 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.

Chase Ultimate Rewards points, Citi ThankYou 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. For this reason, we wouldn’t recommend using your points for Amazon purchases due to low redemption value.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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