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Best credit cards for shopping on Amazon


From toothpaste to a treadmill, you can find almost everything you need (or want) on Amazon. Prime members can get it delivered in just two days. If you’re like us and spend a large portion of your budget on Amazon deliveries each year, make sure you get the most out of your shopping by using the right credit card.

However, to decide which card is right for you and your Amazon purchases, you need to consider not only the point earning rate, but also other factors such as rewards currency, purchase protection, and extended warranties. In some cases, you may want to consider another card depending on your specific purchase. Additionally, the best option for you may vary depending on whether you’re a Prime member or not, and what other cards you already own.

With these things in mind, let’s take a look at the best credit cards for shopping on Amazon.

Best credit cards for shopping on Amazon

Discover it Cash Back card information was independently collected by The Points Guy. The card details on this page have not been verified or provided by the card issuer.

prime visa

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At first glance, Amazon’s own prime visa That seems like the most exciting option. And for most people, it probably is. The Prime member-only card is not to be confused with the basic Amazon Rewards Visa Signature. There are no annual fees (although you do have to pay Prime membership fees, of course).

Get a whopping 5% cash back on all purchases at Amazon and Whole Foods. You get 2% back on restaurants, gas stations, local transportation and commuting (including rideshares), and 1% back on all other purchases.

Now, Prime members can also instantly get a $100 Amazon gift card upon Prime Visa approval.

The biggest drawback is that this card can only really offer a high return on expenses. It comes with purchase protection (covers up to $500 worth of items if damaged or stolen within 120 days of purchase) and extended warranty protection, but important purchase benefits like price protection and return protection are missing. Not suitable for large purchases as it is not included.

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Another downside is that you need a Prime membership ($139 per year) to qualify. So many U.S. households already have Prime, but that probably doesn’t matter much to the card’s target audience.

Read our full review of Prime Visa to learn more.


Apply here: prime visa Get a $100 Amazon gift card instantly upon approval


Capital One Venture X and Venture Card

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If you want to earn transferable points on your Amazon purchases, one of these cards from Capital One could be a good option.it’s both Capital One Venture X Rewards Card And that Capital One Venture Rewards Card Earn 2 miles per dollar spent on everyday purchases, including purchases on Amazon.

Based on TPG’s latest point valuation, this is a very respectable return of 3.7% (valuation is an estimate and not provided by the publisher).

Additionally, both cards offer identical sign-up bonuses (75,000 miles after you spend $4,000 on purchases within the first three months of account opening).

See our comparison of the two Venture cards for more details.


Apply here: Capital One Venture X and capital one ventureearn 75,000 bonus miles each time you spend $4,000 in the first 3 months


Follow Freedom Unlimited and Freedom Flex

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If you’re not a Prime member but want a guaranteed return with a no-annual-fee card, Chase Freedom Unlimited may be your best bet. This card offers 5% cash back on travel purchased with Chase Travel℠l and 3% cash back on drugstore purchases and dining. All other purchases earn 1.5% cashback.

However, if you don’t currently have a card, apply now and receive 2x cash back as a welcome offer at the end of your first year. That means you’ll effectively earn 3% back on your Amazon purchases for the first 12 months.

Chase Freedom Flex, on the other hand, earns 5% on up to $1,500 in total purchases in bonus categories each quarter. Bonus categories for this quarter (April-June) include purchases at Amazon.com, hotels, and restaurants. This category is only valid for his second quarter of 2024 and offers a higher return on purchases than Freedom Unlimited.

All of these cards can bring in plenty of revenue on their own, but if one of them Chase Sapphire Reserve®, Chase Sapphire Preferred® Card or Ink Business Preferred® Credit Card. By doing so, you can convert your cashback points into full-fledged transferable Ultimate Rewards points worth 2.05 cents based on TPG’s monthly points valuation.

In addition, Freedom Unlimited also offers 120 days of purchase protection and extended warranty protection that extends eligible manufacturers’ warranties for an additional year. Like the two Amazon cards, this card also has no annual fee.

For more information, check out our full review of Freedom Unlimited and our full review of Freedom Flex.

Related: The Power of the Chase Trifecta: Sapphire Reserve, Ink Preferred, Freedom Unlimited


Apply here: Get an extra 1.5% cash back on all purchases (up to $20,000) with Chase Freedom Unlimited, and $200 when you spend $500 in the first 3 months with Chase Freedom Flex. You will receive cashback of


Discover Cashback

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Amazon’s Prime Visa isn’t the only card that offers 5% cash back on purchases. So is Discover it cashback with no annual fee (rotating categories, up to $1,500 every quarter after activation, his 1% cashback after activation). ) — and you don’t need to be a Prime member to do this.

However, this rate of return is typically only earned on Amazon purchases in one quarter of the year. Unfortunately, Amazon is not an eligible category so far this year, but it could be in Q3 or Q4.

Keep in mind that this card is great for quarterly Amazon purchases when Amazon is one of the retailers eligible to earn bonuses, but it’s not the best card to use year-round. If Amazon is not included in the quarterly cashback bonus category, you will only get 1% back on your purchases.

What’s great about this card, though, is that Discover matches your benefits at the end of your first year as a cardmember, so if you’re a bonus retailer, you can get up to 10% back on your Amazon purchases from quarter to quarter. It is to come.

Unfortunately, other benefits like extended warranty protection, return protection, purchase protection, and price protection have been discontinued with this card.

Read our full Discover it Cashback review to learn more.

american express gold card

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This card is recommended for people who often make large purchases on Amazon.

with amex gold card, earn 1 Membership Rewards point per dollar spent on Amazon purchases and earn a 2% return based on TPG valuation. Unless there are Amazon deals available through Amex offers, this is not the best card from a revenue perspective.

The biggest benefit of using this card is its generous purchase protection policy. Although many cards include similar benefits, amex gold card We offer an incredible $10,000 of protection per incident and up to $50,000 of protection for all incidents within a calendar year. *

Read our full Amex Gold review to learn more.

*Qualifications and benefits vary depending on the card. Terms of use and restrictions apply. For more information, visit americanexpress.com/benefitsguide. Insurance is underwritten by AMEX Assurance Company.

Related: Best credit cards for purchase protection


Apply here: american express gold card Earn 60,000 bonus points after you spend $6,000 in your first 6 months of cardmembership


conclusion

As you can see, choosing a card to use for your Amazon purchases isn’t as easy as choosing the card at the top of this list.

The best rewards credit card for you will depend on your personal habits and priorities. So, in the meantime, prime visa Although you can earn high profits by purchasing on Amazon, it is not the best option for everyone. It’s only available to Prime members and lacks the important shopping protection you need for big-ticket purchases.

Card perks like return guarantees can prove to be very valuable and may be worth sacrificing 2% to 3% on perks in the long run. Additionally, if you have accumulated transferable points for a specific redemption, it may make more sense to earn rewards in that currency rather than cashback. This way, you can top up your account and book the award trip you’ve been dreaming about faster.



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