The Best Credit Cards for Amazon Purchases of April 2023
Our experts answer readers’ credit card questions and write unbiased product reviews (here’s how we assess credit cards). In some cases, we receive a commission from our partners; however, our opinions are our own. Terms apply to offers listed on this page.
If you’re a frequent Amazon shopper, you’ll want to use one of the best credit cards that earn the most points or cash back for your spending to get an even better deal on your purchases.
Whether you prefer earning flat-rate rewards or want a card that specifically earns a bonus on Amazon spending, there are several great options available right now. Before you decide on a credit card, be sure to consider your overall spending habits — and if you want other bells and whistles like travel insurance and purchase protection.
Here are the best credit cards to use at Amazon in 2023.
We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
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Compare the Best Amazon Credit Cards
Earn 5% back at Amazon and Whole Foods
Amazon Prime Rewards Visa Signature Card
/5
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$0
Annual Fee
Intro offer
$100 Amazon gift card instantly upon approval
Rewards
Earn 5% back on Amazon and Whole Foods purchases with an eligible Prime membership. Earn 2% back at restaurants, gas stations, and drugstores. Earn 1% back on all other purchases. Earn 10% back or more on a rotating selection of Amazon products and categories.
Learn more
Earn 5% back at Amazon and Whole Foods
Amazon Prime Rewards Visa Signature Card
/5
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$0
Annual Fee
Intro offer
$100 Amazon gift card instantly upon approval
Rewards
Earn 5% back on Amazon and Whole Foods purchases with an eligible Prime membership. Earn 2% back at restaurants, gas stations, and drugstores. Earn 1% back on all other purchases. Earn 10% back or more on a rotating selection of Amazon products and categories.
View Full Details
$0
Annual Fee
Learn more
On Chase’s website
Amazon Prime Rewards Visa Signature Card
Learn more
On Chase’s website
Earn 5% back at Amazon and Whole Foods
Details
Rewards
Earn 5% back on Amazon and Whole Foods purchases with an eligible Prime membership. Earn 2% back at restaurants, gas stations, and drugstores. Earn 1% back on all other purchases. Earn 10% back or more on a rotating selection of Amazon products and categories.
Annual Fee
$0
Intro offer
$100 Amazon gift card instantly upon approval
Recommended Credit
N/A
Regular Annual Percentage Rate (APR)
18.49% – 26.49% Variable
Editor’s Rating
/5
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Pros & Cons
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Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
5% cash back at Amazon and Whole Foods is hard to beat
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Earns 2% cash back on other popular categories (restaurants, gas stations, drugstores)
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No annual fee (though you have to be an Amazon Prime member)
Cons
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Other cards offer higher cash-back rates on non-Amazon purchases
Highlights
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More Information
- The information related to the Amazon Prime Rewards Visa Signature Card has been collected by Business Insider and has not been reviewed by the issuer.
- 5% Back at Amazon.com and Whole Foods Market with an eligible Prime membership*
- 2% Back at restaurants, gas stations, and drugstores
- 1% Back on all other purchases
- No annual credit card fee
- No foreign transaction fees
Additional Reading
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Read our review
Read Our Review
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Earn 6% cash back on two retail brands (including Amazon)
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
/5
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$0 intro for the first year, then $95
Annual Fee
Intro offer
$250 bonus after spending $2,000 in eligible purchases within the first 120 days of account opening
Rewards
Earn 6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose. Earn 5.5% back on prepaid car and hotel reservations booked through the US Bank Rewards Center. Earn 3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category (like wholesale clubs, gas and EV charging stations, bills and utilities). Earn 1.5% cash back on all other eligible purchases.
Learn more
Earn 6% cash back on two retail brands (including Amazon)
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
/5
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$0 intro for the first year, then $95
Annual Fee
Intro offer
$250 bonus after spending $2,000 in eligible purchases within the first 120 days of account opening
Rewards
Earn 6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose. Earn 5.5% back on prepaid car and hotel reservations booked through the US Bank Rewards Center. Earn 3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category (like wholesale clubs, gas and EV charging stations, bills and utilities). Earn 1.5% cash back on all other eligible purchases.
View Full Details
$0 intro for the first year, then $95
Annual Fee
Learn more
On U.S. Bank’s website
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
Learn more
On U.S. Bank’s website
Earn 6% cash back on two retail brands (including Amazon)
Details
Rewards
Earn 6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose. Earn 5.5% back on prepaid car and hotel reservations booked through the US Bank Rewards Center. Earn 3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category (like wholesale clubs, gas and EV charging stations, bills and utilities). Earn 1.5% cash back on all other eligible purchases.
Annual Fee
$0 intro for the first year, then $95
Intro offer
$250 bonus after spending $2,000 in eligible purchases within the first 120 days of account opening
Recommended Credit
Excellent/Good
Regular Annual Percentage Rate (APR)
18.74-28.74% Variable
Editor’s Rating
/5
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Pros & Cons
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Pros
Check mark icon
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High cash-back earning at popular retailers like Amazon, Target, and Walmart
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Ability to customize rewards depending on your spending habits
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A check mark. It indicates a confirmation of your intended interaction.
Generous welcome bonus offer
Cons
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Annual fee after the first year, foreign transaction fees
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6% and 3% cash back categories are capped at $1,500 in spending per quarter
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No intro 0% APR offer
Highlights
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More Information
- The information related to the U.S. Bank Shopper Cash Rewards™ Visa Signature® Card has been collected by Business Insider and has not been reviewed by the issuer.
- $0 intro annual fee for the first year, then $95 a year
- Earn $250 bonus after spending $2,000 in eligible purchases within the first 120 days of account opening
- 6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose
- 5.5% back on prepaid car and hotel reservations booked through the US Bank Rewards Center
- 3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category (like wholesale clubs, gas and EV charging stations, bills and utilities)
- 1.5% cash back on all other eligible purchases
Additional Reading
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Read our review
Read Our Review
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Earn 3% cash back on US online retail purchases (including Amazon)
Blue Cash Everyday® Card from American Express
/5
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$0
Annual Fee
Intro offer
$200 statement credit after you spend $2,000 in purchases on your new card in the first six months of card membership
Rewards
Earn 3% cash back at U.S. supermarkets, U.S. online retail purchases, and at U.S. gas stations (on up to $6,000 on purchases in each category per year in purchases, then 1% cash back). Earn 1% cash back on all other purchases.
Apply now
Earn 3% cash back on US online retail purchases (including Amazon)
Blue Cash Everyday® Card from American Express
/5
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$0
Annual Fee
Intro offer
$200 statement credit after you spend $2,000 in purchases on your new card in the first six months of card membership
Rewards
Earn 3% cash back at U.S. supermarkets, U.S. online retail purchases, and at U.S. gas stations (on up to $6,000 on purchases in each category per year in purchases, then 1% cash back). Earn 1% cash back on all other purchases.
View Full Details
$0
Annual Fee
Apply now
On American Express’s website
Blue Cash Everyday® Card from American Express
Apply now
On American Express’s website
Earn 3% cash back on US online retail purchases (including Amazon)
Details
Rewards
Earn 3% cash back at U.S. supermarkets, U.S. online retail purchases, and at U.S. gas stations (on up to $6,000 on purchases in each category per year in purchases, then 1% cash back). Earn 1% cash back on all other purchases.
Annual Fee
$0
Intro offer
$200 statement credit after you spend $2,000 in purchases on your new card in the first six months of card membership
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
18.74% – 29.74% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases and balance transfers for 15 months from account opening
Editor’s Rating
/5
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Pros & Cons
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Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Good bonus cash-back rate at US supermarkets
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No annual fee
Cons
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If you spend more than $6,000 at US supermarkets in a year, you should use another card to earn bonus rewards once you hit that cap
Highlights
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More Information
- 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, 18.74% to 29.74% 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 in purchases, then 1%.
- Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
- Terms Apply.
Additional Reading
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Read our review
Read Our Review
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Earn 2% cash rewards at Amazon and everywhere else
Wells Fargo Active Cash® Card
/5
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$0
Annual Fee
Intro offer
$200 cash rewards bonus after spending $500 in purchases in the first three months from account opening
Rewards
Earn unlimited 2% cash rewards on purchases.
Apply now
Earn 2% cash rewards at Amazon and everywhere else
Wells Fargo Active Cash® Card
/5
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$0
Annual Fee
Intro offer
$200 cash rewards bonus after spending $500 in purchases in the first three months from account opening
Rewards
Earn unlimited 2% cash rewards on purchases.
View Full Details
$0
Annual Fee
Apply now
On Wells Fargo’s website
Wells Fargo Active Cash® Card
Apply now
On Wells Fargo’s website
Earn 2% cash rewards at Amazon and everywhere else
Details
Rewards
Earn unlimited 2% cash rewards on purchases.
Annual Fee
$0
Intro offer
$200 cash rewards bonus after spending $500 in purchases in the first three months from account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
19.74%, 24.74%, or 29.74% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases and qualifying balance transfers for 15 months from account opening
Editor’s Rating
/5
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Pros & Cons
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Pros
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A check mark. It indicates a confirmation of your intended interaction.
Good welcome bonus for a $0 annual fee card
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A check mark. It indicates a confirmation of your intended interaction.
Straightforward 2% cash rewards on purchases with no categories to track
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A check mark. It indicates a confirmation of your intended interaction.
Strong benefits including cell phone protection, Visa Signature perks, and an intro APR on purchases and qualifying balance transfers
Cons
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If you’ve opened a Wells Fargo card in the past 15 months, you may not be eligible for the bonus or intro APR offer
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Foreign transaction fees
Highlights
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More Information
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.74%, 24.74%, or 29.74% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
- $0 annual fee
- No categories to track or remember and cash rewards don’t expire as long as your account remains open
- Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge
- Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
- Select “Apply Now” to learn more about the product features, terms and conditions
Additional Reading
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Read our review
Read Our Review
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Earn 2% cash back everywhere with a long 0% intro APR on balance transfers
Citi® Double Cash Card
/5
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$0
Annual Fee
Intro offer
0% intro APR on balance transfers for 18 months, then 18.74% – 28.74% variable APR
Rewards
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Apply now
Earn 2% cash back everywhere with a long 0% intro APR on balance transfers
Citi® Double Cash Card
/5
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$0
Annual Fee
Intro offer
0% intro APR on balance transfers for 18 months, then 18.74% – 28.74% variable APR
Rewards
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
View Full Details
$0
Annual Fee
Apply now
Apply online at Citibank’s website.
Citi® Double Cash Card
Apply now
Apply online at Citibank’s website.
Earn 2% cash back everywhere with a long 0% intro APR on balance transfers
Details
Rewards
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Annual Fee
$0
Intro offer
0% intro APR on balance transfers for 18 months, then 18.74% – 28.74% variable APR
Recommended Credit
Good to Excellent
Show more
Regular Annual Percentage Rate (APR)
18.74% – 28.74% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on balance transfers for 18 months
Editor’s Rating
/5
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Pros & Cons
Chevron icon
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Pros
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A check mark. It indicates a confirmation of your intended interaction.
No annual fee
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Simple earning structure without confusing bonus categories
Cons
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Some cards earn higher rates of cash back on rotating categories
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While it has a 0% introductory APR offer, that’s only on balance transfers, not purchases, so you can’t use it to fund a major expense without interest
Highlights
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More Information
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.74% – 28.74%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Additional Reading
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Read Our Review
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Best for online shopping (including Amazon)
Bank of America® Customized Cash Rewards Credit Card
/5
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$0
Annual Fee
Intro offer
$200 cash rewards bonus after you spend $1,000 on purchases within 90 days of account opening
Rewards
Earn 3% cash back in a category of your choosing among gas, online shopping, dining, travel, drug stores, or home improvement/furnishings (up to $2,500 each quarter, then earn 1%). Earn 2% cash back at grocery stores and wholesale clubs (up to $2,500 each quarter, then earn 1%). Earn 1% cash back on other purchases.
Apply now
Best for online shopping (including Amazon)
Bank of America® Customized Cash Rewards Credit Card
/5
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$0
Annual Fee
Intro offer
$200 cash rewards bonus after you spend $1,000 on purchases within 90 days of account opening
Rewards
Earn 3% cash back in a category of your choosing among gas, online shopping, dining, travel, drug stores, or home improvement/furnishings (up to $2,500 each quarter, then earn 1%). Earn 2% cash back at grocery stores and wholesale clubs (up to $2,500 each quarter, then earn 1%). Earn 1% cash back on other purchases.
View Full Details
$0
Annual Fee
Apply now
On Bank of America’s website
Bank of America® Customized Cash Rewards Credit Card
Apply now
On Bank of America’s website
Best for online shopping (including Amazon)
Details
Rewards
Earn 3% cash back in a category of your choosing among gas, online shopping, dining, travel, drug stores, or home improvement/furnishings (up to $2,500 each quarter, then earn 1%). Earn 2% cash back at grocery stores and wholesale clubs (up to $2,500 each quarter, then earn 1%). Earn 1% cash back on other purchases.
Annual Fee
$0
Intro offer
$200 cash rewards bonus after you spend $1,000 on purchases within 90 days of account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
17.49% – 27.49% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases for the first 18 billing cycles and for any balance transfers made within the first 60 days of account opening
Editor’s Rating
/5
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Pros & Cons
Chevron icon
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Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No annual fee
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Broad 2% and 3% cash-back categories
Cons
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Earn 2% and 3% cash-back categories capped at $2,500 in combined purchases each quarter.
Highlights
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More Information
- Click “APPLY NOW” to apply online or call 800-716-6383.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- If you’re a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and no expiration on rewards.
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.49% – 27.49% Variable APR will apply. A 3% fee applies to all balance transfers.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Additional Reading
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Read our review
Read Our Review
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Best for purchase protection
The Platinum Card® from American Express
/5
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$695
Annual Fee
Intro offer
80,000 Membership Rewards® Points after spending $6,000 on purchases on the Card in the first six months from account opening
Rewards
Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.
Apply now
Best for purchase protection
The Platinum Card® from American Express
/5
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$695
Annual Fee
Intro offer
80,000 Membership Rewards® Points after spending $6,000 on purchases on the Card in the first six months from account opening
Rewards
Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.
View Full Details
$695
Annual Fee
Apply now
On American Express’s website
The Platinum Card® from American Express
Apply now
On American Express’s website
Best for purchase protection
Details
Rewards
Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.
Annual Fee
$695
Show more
Intro offer
80,000 Membership Rewards® Points after spending $6,000 on purchases on the Card in the first six months from account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
See Pay Over Time APR
Intro Annual Percentage Rate (APR)
N/A
Editor’s Rating
/5
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Pros & Cons
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Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Annual statement credits with Saks and Uber
Cons
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Bonus categories leave something to be desired
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One of the highest annual fees among premium travel cards
Highlights
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More Information
- Earn 80,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- $200 Hotel Credit: Get $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®.
- $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, The New York Times, and other participating providers. Enrollment required.
- $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
- American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
- $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 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.
- $300 Equinox Credit: Get up to $300 back each year on an Equinox+ subscription, or any Equinox club memberships when you pay with your Platinum Card. Enrollment required. Learn more.
- $189 CLEAR® Credit: Breeze through security with CLEAR® Plus at 45+ airports nationwide and get up to $189 back per year on your membership (subject to auto-renewal) when you use your Card.
- $695 annual fee.
- Terms Apply.
Additional Reading
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Read Our Review
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Best for earning 5% back at Amazon in Q2 2023
Chase Freedom Flex℠
/5
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$0
Annual Fee
Intro offer
$200 after spending $500 on purchases in the first three months from account opening
Rewards
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. 5% cash back on travel purchased through Chase Ultimate Rewards®. 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.
Read review
Best for earning 5% back at Amazon in Q2 2023
Chase Freedom Flex℠
/5
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$0
Annual Fee
Intro offer
$200 after spending $500 on purchases in the first three months from account opening
Rewards
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. 5% cash back on travel purchased through Chase Ultimate Rewards®. 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.
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$0
Annual Fee
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Chase Freedom Flex℠
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Read our complete card review
Best for earning 5% back at Amazon in Q2 2023
Details
Rewards
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. 5% cash back on travel purchased through Chase Ultimate Rewards®. 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.
Annual Fee
$0
Intro offer
$200 after spending $500 on purchases in the first three months from account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
19.74% – 28.49% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases and balance transfers for the first 15 months
Editor’s Rating
/5
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Pros & Cons
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Pros
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No annual fee
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Generous bonus cash-back categories
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Great welcome bonus
Cons
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Booking through Chase Ultimate Rewards portal can restrict outside earning potential
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Varying percentages and rotating calendar categories require extra attention
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3% foreign transaction fees
Highlights
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More Information
- The information related to the Chase Freedom Flex℠ has been collected by Business Insider and has not been reviewed by the issuer.
- 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 19.74% – 28.49%.
- No annual fee- You won’t have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
- Keep tabs on your credit health – Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Additional Reading
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Read our review
Read Our Review
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Earn 5% Back at Amazon and Whole Foods
The Amazon Prime Rewards Visa Signature Card
offers 5% cash back on Amazon and Whole Foods purchases, including Amazon gift cards — as long as you’re an Amazon Prime member (otherwise, you’ll earn 3% back on these purchases). Cardholders also get an extra 5 to 15% cash back on certain promotional items, which is one of the highest rewards rates you’ll find. This makes the card a great option for your Amazon purchases.
The card offers an interesting feature that can help you save money on interest. At Amazon checkout, on purchases of $50 or more, you can choose a 0% promo APR for six to 12 months on your purchase (then a 18.49% – 26.49% Variable APR). If you choose this option, you won’t earn cash-back rewards, but it could make sense if you have a large purchase you want to pay for over time.
New cardholders who apply for the Amazon Prime Rewards Visa Signature Card will instantly receive a $100 Amazon gift card instantly upon approval.
The Amazon Prime Rewards Visa Signature Card also earns 2% cash back at restaurants, gas stations, and drugstores. Considering those are pretty common spending categories for most people, this isn’t a bad card to have in your wallet, especially since it has no annual fee.
Amazon Prime Rewards Visa Signature Card review
Earn 6% Cash Back on Two Retail Brands (Including Amazon)
The new U.S. Bank Shopper Cash Rewards lets cardholders choose which two popular retail brands to earn 6% cash back in (including Amazon, Walmart, and Chewy) up to $1,500 in combined purchases per quarter (1.5% back then after).
You’ll also earn 3% cash back in one everyday category (such as gas and EV charging purchases, bills and utilities, or wholesale clubs) up to $1,500 per quarter, as well as 5.5% cash back on hotel and car bookings through the US Bank Rewards Center. Otherwise, you’ll earn 1.5% cash back on all other purchases.
It’s a great card for simple rewards earning on everyday spending, especially for folks who frequently shop at major retail brands. And even after hitting the $1,500 cap each quarter, you’ll still earn a strong 1.5% cash back on your purchases.
Cardholders are charged an annual fee of $0 intro for the first year, then $95, with the chance to earn a generous $250 bonus after spending $2,000 in eligible purchases within the first 120 days of account opening. In addition, cardholders get Visa Signature benefits, as well as decent travel and purchase protection perks.
But it doesn’t offer a 0% introductory APR, just a regular 18.74-28.74% Variable APR. It also charges a foreign transaction fee, so it’s not ideal for traveling abroad.
US Bank Shopper Cash Rewards card review
Earn 3% Cash Back on US Online Retail Purchases (Including Amazon)
The Blue Cash Everyday® Card from American Express got a bit of a makeover last year, and one of the improvements was the addition of a new bonus category. Now, cardholders can earn 3% cash back on U.S. online retail purchases on up to $6,000 per year (then 1% back) — and that includes Amazon.
Otherwise, cardholders earn 3% cash back on the first $6,000 spent at U.S. supermarkets each calendar year (then 1% back), 3% cash back at U.S. gas stations on up to $6,000 per year in purchases (then 1% back), and 1% cash back on other purchases (cash back is received in the form of Reward Dollars that can be redeemed as statement credits). That’s an excellent rate of return for a credit card with no annual fee.
It’s now offering a welcome bonus of a $200 statement credit after you spend $2,000 in purchases on your new card in the first six months of card membership.
New cardholders can also get a 0% intro APR on purchases and balance transfers for 15 months from account opening, followed by a 18.74% – 29.74% Variable APR.
The Blue Cash Everyday® Card from American Express also added some handy monthly credits for The Disney Bundle and Home Chef that can save you money (if you already use these services). Also, the card offers purchase protection, which is useful if you buy high-value items from Amazon (or anywhere else).
Blue Cash Everyday Amex Card review
Earn 2% Cash Rewards at Amazon and Everywhere Else
The no-annual-fee Wells Fargo Active Cash® Card is a terrific choice for earning 2% cash rewards on purchases (including Amazon) and it comes with a generous welcome offer to boot. New cardholders can earn a $200 cash rewards bonus after spending $500 in purchases in the first three months from account opening.
If you have larger purchases coming up, the intro APR offer on the card could also come in handy for saving on interest charges. You’ll receive a 0% intro APR on purchases and qualifying balance transfers for 15 months from account opening (then a 19.74%, 24.74%, or 29.74% Variable APR).
Cardholders also get a handful of benefits, including cell phone protection, roadside dispatch, travel emergency assistance, and Visa Signature Concierge access.
Wells Fargo Active Cash card review
Earn 2% Cash Back Everywhere With a Long 0% Intro APR on Balance Transfers
If you prefer a versatile 2% cash back credit card with a solid earning rate at Amazon (and everywhere else), the Citi® Double Cash Card is a good pick, especially if you’re looking for a long intro 0% APR balance transfer offer. Cardholders get a 0% intro APR on balance transfers for 18 months, followed by a 18.74% – 28.74% Variable APR.
You’ll also earn 2 points per dollar (1 point at the time of purchase and 1 point when you pay your bill) on all purchases, with no limit to what you can earn.
Each point is worth 1 cent toward cash back, but you can also use Citi ThankYou points for travel, gift cards, merchandise, and more. Because the Citi® Double Cash Card has no annual fee, it’s a good card to keep for the long term.
If you also have a Citi Premier® Card or Citi Prestige® Card
(no longer available to new applicants), you can pool all of your ThankYou points and transfer them to Citi’s airline and hotel partners, like Air France, JetBlue, Singapore Airlines, and Wyndham. That’s why Insider’s point and miles valuations peg Citi ThankYou points as worth 1.6 cents apiece, on average.
Citi Double Cash card review
See Insider’s picks for the best balance transfer credit cards »
Best for Online Shopping (Including Amazon)
If you do a lot of online shopping in general, including Amazon, the Bank of America® Customized Cash Rewards Credit Card can potentially be very rewarding. It’s got a bit more of a hands-on approach, though; cardholders can earn 3% cash back in the category they choose each quarter from a list: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings.
The 3% earning rate is capped at a maximum of $2,500 per quarter combined with the card’s 2% cash back at grocery stores and wholesale clubs, after which you’ll earn 1% back on those purchases. The card also comes with a compelling bonus offer: a $200 cash rewards bonus after you spend $1,000 on purchases within 90 days of account opening.
One good thing about this card is the ability to change your category every quarter, so if your spending habits tend to change depending on the time of year, this could be a good pick. For example, choosing online purchases for the last quarter of the year (when folks tend to do a lot of holiday and gift shopping) could prove very rewarding, but in the summer months, gas or dining might be a better pick.
Bank of America Preferred Rewards members can do even better with this card, because the rewards you earn can be worth 25% to 75% more based on your rewards tier (how much you have on deposit with Bank of America and Merrill).
New cardholders also receive a 0% intro APR on purchases for the first 18 billing cycles and for any balance transfers made within the first 60 days of account opening, followed by a 17.49% – 27.49% Variable APR. There’s no annual fee, but be careful using the card outside the US, because it charges foreign transaction fees.
Bank of America Customized Cash Rewards credit card review
Best for Purchase Protection
It doesn’t earn bonus points at Amazon (unless your account is eligible for an Amex Offer** for bonus points at Amazon), but The Platinum Card® from American Express
is also worth considering, especially for more expensive Amazon purchases. That’s because it offers purchase protection for up to 120 days from your date of purchase, with a maximum of $10,000 per claim and $50,000 per account per year.
The card has a $695 annual fee, so it’s not worth getting for this benefit alone, but if you can take advantage of perks like monthly Uber Cash credits**, airline incidental fee credits**, and Saks credits**, not to mention airport lounge access, it can be a great option.
The Platinum Card® from American Express added a slew of new benefits, including up to $300 annually in Equinox credits**, $189 per year in credits for CLEAR® membership**, up to $200 per year in credits toward eligible prepaid hotel bookings, up to $240 in annual credits toward eligible digital subscriptions**, a monthly credit for Walmart+ membership**, and up to $300 back for purchasing a SoulCycle At-Home Bike through Equinox+.
American Express Platinum card review
Best for 5% Cash Back at Amazon in Q2 2023
You won’t always find the Chase Freedom Flex℠
on our list of the best credit cards for Amazon. It earns 5% cash back (5x points) on up to $1,500 in combined spending (then 1%) in categories that rotate every quarter when you activate the bonus. And from April 1 to June 30, 2023, these categories are Amazon and Lowe’s.
This card is also a good pick if you spend in other common categories, because it earns 5% cash back (5x points) on travel booked through the Chase Travel Portal, 3% back (3x points) on drugstore and dining purchases (including takeout and eligible delivery services), and 1% back (1x points) on everything else. That’s why this card sits at the top of our list of the best 5% cash back credit cards.
There’s currently a welcome bonus offer of $200 after spending $500 on purchases in the first three months from account opening. Plus, new cardholders can take advantage of a 0% intro APR on purchases and balance transfers for the first 15 months, followed by a 19.74% – 28.49% Variable APR.
Chase Freedom Flex credit card review
Any Amex Card With an Amex Offer for Amazon
One benefit of having an American Express card is that you get access to Amex Offers**. These are deals for bonus points or cash back when you shop with a specific retailer, and there are frequently Amex Offers for bonus points on Amazon purchases.
Since Amex Offers are targeted (they vary for each cardholder), you may not see Amazon offers in your account, but it’s worth checking. Keep in mind that you need to add the Amex Offer to your account online and make a qualifying purchase to be eligible for the bonus.
Some of the best American Express cards include:
Any Card That Offers an Annual Spending Bonus
If you’re more concerned with long-term gain, consider charging your Amazon purchases to a credit card that offers an annual incentive for meeting certain spending thresholds.
For example, The Hilton Honors American Express Business Card offers a free reward night after you spend $15,000 in a calendar year, and a second free night after spending a total of $60,000 in a calendar year. You can use your reward at just about any Hilton hotel, including high-end resorts with rates approaching $1,000 per night or more.
Or consider the Marriott Bonvoy Bevy™ American Express® Card and Marriott Bonvoy Bountiful™ Card
, which offer a free award night worth up to 50,000 points after you spend $15,000 or more in a calendar year with the card.
Another option is to put your Amazon spending on one of the best Southwest credit cards to earn the Southwest Companion Pass. If you’re unfamiliar with this benefit, it essentially allows you to bring a designated companion along with you for free (just pay taxes and fees) on paid and award tickets.
You’ll earn the Companion Pass when you earn 135,000 qualifying Southwest points in a calendar year, and points earned via credit card welcome bonuses and spending count toward this requirement. Plus, each year, Southwest credit card holders receive a 10,000-point “boost” toward earning the Companion Pass.
Amazon Credit Card Frequently Asked Questions (FAQ)
How many Amazon credit cards are there?
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There are three flavors of personal Amazon-branded cards: The Amazon Prime Rewards Visa Signature Card, the Amazon Store Card, and the Amazon Secured Card. For small businesses, there’s also the Business Prime American Express Card.
Is the Amazon credit card good?
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The Amazon Prime Rewards Visa Signature Card is exceptional for Amazon and Whole Foods purchases — especially if you’re an Amazon Prime member. For no annual fee, it also offers a respectable return on other common purchases such as restaurants, gas stations, and drug stores.
Can I use my Amazon credit card anywhere?
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You can use the Amazon Prime Rewards Visa Signature Card anywhere Visa is accepted. The other Amazon-branded cards are store credit cards and can only be used for Amazon purchases.
How do I make an Amazon credit card payment?
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You’ll make a payment depending on which Amazon card you have. If you’ve got the Amazon Prime Rewards Visa Signature Card, you’ll pay your bill through Chase. If you’ve got a store card, you’ll pay through Amazon with Synchrony Bank here.
What credit score do you need for the Amazon credit card?
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Most people who are approved for the Amazon Prime Rewards Visa Signature Card have a credit score in the good or excellent range, which means a FICO score of at least 670.
Ariana Arghandewal is a credit card and reward travel expert and is the founder of Pointchaser . She has worked as an editor at The Points Guy, NerdWallet, and FlyerTalk.
Her work has also appeared in Forbes, Fodor’s Travel, and U.S. News Weekly.
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Tessa Campbell is a Junior Investing Reporter for Personal Finance Insider. She writes investing and retirement related content. She orginally joined the PFI team as a Personal Finance Reviews Fellow in 2022.
Her love of books, research, crochet, and coffee enriches her day-to-day life.
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Angela Fung is a marketing compliance manager at Personal Finance Insider , overseeing a team that ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice. She is the primary contact for credit cards compliance and has experience managing content and partnerships for the banking, loans, and investment verticals as well.
Personal Finance Insider is Insider’s personal finance section that incorporates affiliate and commerce partnerships into the news, insights, and advice about money that Insider readers already know and love.
The compliance team’s mission is to provide readers with stories that are fact-checked and current, so they can make informed financial decisions. The team also works to minimize risk for partners by making sure language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team.
Prior to joining Insider in February 2021, Angela worked at the Polsky Center for Entrepreneurship and Innovation in Chicago. As a digital marketer on the in-house communications and programming team, she supported startups and individuals looking to commercialize their research, partner with other companies, or attract venture capital.
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