The 11 Best Cards for Amazon.com Purchases [2026]

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 — Best for Cash-back & Discounts at Amazon
• Capital One Venture Rewards Credit Card — Best for Earning Miles on Every Purchase
• Chase Freedom Unlimited^® — Best for Unlimited Cash-back With No Annual Fee
• American Express^® Gold Card — Best for Points on Gift Cards at U.S. Supermarkets
• 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
• 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
• Graphite™ Business Cash Unlimited Card — Best for Unlimited 2% 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

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

Terms Apply / Rates & Fees

Prime Visa

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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 information regarding the Prime Visa card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Prime Visa

The information regarding the Prime Visa card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Welcome Offer

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

$150 Amazon Gift Card

UP's Offer Valuation*:

$150

Annual Fee

$0

APR

18.74% - 27.49% 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 card application.

Good to Excellent

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: 18.74% - 27.49% Variable
• Foreign Transaction Fees: None

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 Prime Visa 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/commuting.

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 Unlimited Card (Best for Unlimited Cash-back With No Annual Fee)

LAST CHANCE

Terms Apply / Rates & Fees

Chase Freedom Unlimited^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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 all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Apply Now(at Chase's secure site)

Chase Freedom Unlimited^®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Welcome Offer

Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening. Offer ends at 9 AM EST on 4/30/2026.

$250

Annual Fee

$0

APR

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.

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 card application.

Good to Excellent

Why We Like This Card

The Chase Freedom Unlimited^® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros & Cons

Pros

• 5% back on travel purchased through Chase Travel℠
• 3% back on dining and drugstore purchases
• 1.5% back on all other purchases

Cons

• 3% foreign transaction fee

Read Full Review

Card Highlights

• Limited Time Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening
• Enjoy 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 1.5% on all other purchases.
• No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited^® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, 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 18.24% - 27.74%.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

The Freedom Unlimited card offers 1.5% cash-back on all eligible purchases that are not in a bonus category. Therefore, Amazon purchases would earn 1.5% cash-back every day, which is more than what other cards may offer with their 1% cash-back — and you don’t pay an annual fee with the Freedom Unlimited card.

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

Notably, the Freedom Unlimited card also comes with a welcome bonus offer, which includes a 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.

While you’re using this card, be sure to keep in mind that you have purchase protection, extended warranty, 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 Unlimited 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 1.5x Ultimate Rewards points on Amazon.com purchases.

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 Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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!

Capital One Venture Rewards Credit Card

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

Welcome Offer

Earn 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening.

75,000 miles

UP's Offer Valuation*:

$1,350

Annual Fee

$95

APR

Purchases: 19.49% - 28.49% (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 card application.

Good to Excellent Credit

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
• 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
• 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
• Top rated mobile app

Financial Snapshot

• APR: Purchases: 19.49% - 28.49% (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 offer to earn, 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 an up to $120 Global Entry or TSA PreCheck application fee credit.

You can also enjoy basic travel insurance, extended warranty, and no foreign transaction 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 ins and outs 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

You may be eligible for as high as 100,000 Membership Rewards^® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

As High As 100,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $2,200

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 card application.

Good to Excellent

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

• You may be eligible for as high as 100,000 Membership Rewards^® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• 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 get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards^® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
• $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. Enrollment is required to receive this benefit.
• $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.
• 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 (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. ($10 per month; you must add your Amex Gold card to your account, but you can use any Amex card for payment)
• 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 CARD

Terms Apply / Rates & Fees

Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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.

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

You may be eligible for as high as 175,000 Membership Rewards^® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.  

As High As 175,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $3,850

Annual Fee

$895

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 card application.

Good to Excellent

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 1,550 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges (enrollment required), 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 and Uber One, Resy, lululemon 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 and Amex International Airline Program
• Access to Amex transfer partners
• No foreign transaction fees (rates and fees)

 

Cons

• $895 annual fee (rates and fees)
• Airline credit does not cover airfare (only incidentals like checked bags)

 

 

Read Full Review

Card Highlights

• You may be eligible for as high as 175,000 Membership Rewards^® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Get more for your travels with 5X Membership Rewards^® points on all flights and prepaid hotel bookings through American Express Travel^®, including Fine Hotels + Resorts^® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel^® on up to $500,000 on these purchases per calendar year.
• With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection^®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club^® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges.* As of 07/2025.
• $200 Uber Cash + $120 Uber One Credit: With the Platinum Card^® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card^® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card^® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
• $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card^® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
• $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts^® or The Hotel Collection* bookings through American Express Travel^® using the Platinum Card^®. *The Hotel Collection requires a minimum two-night stay.
• $400 Resy Credit + Platinum Nights by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card^® to make eligible purchases with Resy, including dining purchases at U.S. Resy restaurants. Enrollment required. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card^®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you.
• $209 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card^®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card^® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
• Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts^® through American Express Travel^®, enjoy noon check-in, when available, and guaranteed 4PM check-out.
• $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card^® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
• $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card^®.* Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
• Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
• $895 annual fee.
• 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 $600 in prepaid hotel credits on eligible stays every year (up to $300 semi-annually)
• Up to $209 in CLEAR+ credits every year
• Up to $120 in Global Entry or TSA PreCheck application fee credit

The benefits go on and on, including up to $300 in Equinox credits every year, up to $300 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)

SPECIAL OFFER

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 ins and outs 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

You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.

As High As $300 Cash Back. Find Out Your Offer.

UP's Offer Valuation*:

As High As $300

Annual Fee

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

APR

19.49%-28.49% 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 card application.

Good to Excellent

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

• Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
• $0 intro annual fee for the first year, then $95.
• Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
• Plan It^®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express^® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
• Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
• Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred^® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
• Terms Apply.

Financial Snapshot

• APR: 19.49%-28.49% 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 Prime Visa card!

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

• Get up to a $10 monthly statement credit after using your enrolled card for a subscription purchase, including a bundle subscription purchase, at Disneyplus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.

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)

SPECIAL OFFER

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 ins and outs 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

You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.

As High As $200 Cash Back. Find Out Your Offer.

UP's Offer Valuation*:

As High As $200

Annual Fee

$0

APR

19.49%-28.49% 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 card application.

Good to Excellent

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

• Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
• No Annual Fee.
• Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
• Plan It^®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express^® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
• Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
• Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday^® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
• Terms Apply.

Financial Snapshot

• APR: 19.49%-28.49% 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 a $7 monthly statement credit after using your enrolled card for a subscription purchase (including a bundle subscription purchase, at Disneyplus.com, Hulu.com, or Stream.ESPN.com U.S. websites). Subject to auto-renewal, 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

*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.

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

Terms Apply / Rates & Fees

Ink Business Cash^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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 $750 when you spend $6,000 on purchases in the first three months after account opening.

$750

UP's Offer Valuation*:

$750

Annual Fee

$0

APR

0% intro APR on purchases for 12 months; 16.74% - 24.74% 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 card application.

Good to Excellent

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; 16.74% - 24.74% variable 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 on dining and gas, 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 $750 when you spend $6,000 on purchases in the first three 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 on dining and gas 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
• Complimentary three-month lnstacart+ membership.
• 0% introductory APR for 12 months on purchases
• Earn 5% total cash back on Lyft rides through 9/30/27.
• Member FDIC

Financial Snapshot

• APR: 0% intro APR on purchases for 12 months; 16.74% - 24.74% 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; 16.74% - 24.74% variable 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 September 30, 2027
• 2% cash-back on the first $25,000 spent in combined purchases on dining and gas 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 $0 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 ins and outs 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 calendar 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 calendar year.

Welcome Offer

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

$250

UP's Offer Valuation*:

As High As $250

Annual Fee

No annual fee

APR

16.74% - 26.74% 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 card application.

Good to Excellent

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 the first $50,000 of purchases each calendar year, 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, 16.74% - 26.74%, 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 the first $50,000 of purchases each calendar year, 1% thereafter. 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

Financial Snapshot

• APR: 16.74% - 26.74% 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, 16.74% - 26.74%.. 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)

Terms Apply / Rates & Fees

Ink Business Unlimited^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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 Offer Valuation*:

$750

Annual Fee

$0

APR

0% intro APR on purchases for 12 months; variable 16.74% - 24.74% 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 card application.

Good to Excellent

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 16.74% - 24.74% thereafter.

Pros & Cons

Pros

• 1.5% cash-back on all purchases
• No annual fee
• 0% intro APR on purchases for 12 months; variable 16.74% - 24.74% 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
• Earn 5% total cash back on Lyft rides through 9/30/27.
• Member FDIC

Financial Snapshot

• APR: 0% intro APR on purchases for 12 months; variable 16.74% - 24.74% thereafter.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

• Chase Ultimate Rewards

The Ink Business Unlimited card 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 16.74% - 24.74% thereafter..

The difference is that you’ll follow this earning structure:

• 5% cash-back on Lyft purchases (through September 30, 2027)
• 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 $0-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. 

Amex Graphite Business Cash Unlimited Card (Best for Unlimited 2% Cash-back)

Terms Apply / Rates & Fees

Graphite™ Business Cash Unlimited Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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

Graphite™ Business Cash Unlimited Card

Welcome Offer

Earn $1,500 Cash Back in the form of Reward Dollars after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership. Reward Dollars can be redeemed as statement credits or at Amazon.com checkout. 

$1,500 cash-back

UP's Offer Valuation*:

Up to $1,500

Annual Fee

$295

APR

17.74% - 28.49% Variable

Why We Like This Card

The Amex Graphite Business Cash Unlimited card allows you to earn an uncapped 2% back on all of your business expenses, with the benefits you’d come to expect from American Express, like no preset spending limit, purchase protections, access to Amex Offers, and more.

 

Pros & Cons

Pros

• 5% cash-back on flights and prepaid hotels booked on AmexTravel.com
• Unlimited 2% cash-back on all other purchases
• No preset spending limit
• Pay Over Time
• Spend $250,000 or more in a calendar year and unlock up to $2,400 in statement credits for Amex’s One AP accounts payable platform the following year
• Access to Amex Offers
• Travel and purchase protections
• No foreign transaction fees

 

Cons

• Annual fee of $295

 

Read Full Review

Card Highlights

• Earn $1,500 Cash Back in the form of Reward Dollars after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership. Reward Dollars can be redeemed as statement credits and at Amazon.com checkout.
• Start saving while you spend. Get unlimited 2% cash back* in Reward Dollars on all eligible purchases. *Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
• Get more for your travels with 5% cash back* on flights and prepaid hotel bookings through American Express Travel^® Online. Purchases eligible for multiple cash back rates will only receive the highest eligible cash back rate.
• No Preset Spending Limit. The spending limit on this Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
• Pay Over Time gives you the ability to carry a balance with interest up to your Pay Over Time Limit, so you can handle expected and unexpected expenses that come your way.
• Your business, your choice: metal Employee Graphite™ Business Cash Unlimited Card for $95 Annual Fee for the first 5 Cards, $95 Annual Fee for each thereafter, or plastic Employee Business Expense Card for no Annual Fee.
• Unlock up to $2,400 in statement credits for use in the next calendar year on American Express One AP^® monthly fees** after spending $250,000 on eligible purchases on the Graphite™ Business Cash Unlimited Card this calendar year. Terms apply. **Monthly fees include an auto-renewing platform access fee.
• Terms apply.

Financial Snapshot

• APR: 17.74% - 28.49% Variable
• Foreign Transaction Fees: 

Rewards Center

 

 

With the Amex Graphite Business Cash Unlimited card, cardholders earn an unlimited 2% cash-back on all eligible purchases, including those made at Amazon. To make things even better for Amazon shoppers, cash-back is earned as Reward Dollars, which can be redeemed for a statement credit and at Amazon.com to cover purchases.

Business owners who spend a lot at Amazon will appreciate the simplified earnings structure of the Amex Graphite Business Cash Unlimited card and the ability to use their rewards to pay for purchases during checkout.

Other benefits of the card that make it great for Amazon purchases include purchase protection, return protection, and extended warranty coverage. Plus, it has no preset spending limit*, giving business owners flexibility on how much they can spend on the card.

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.