From toothpaste to treadmills, you will discover nearly something you want (and wish) on Amazon — delivered in two days together with your Prime membership.
In the event you’re planning to spend some huge cash through the Prime Day gross sales, you may need to maximize your purchases through the use of the fitting bank card so you may earn probably the most rewards or money again. Prime Day begins July 8 at 12:01 a.m. PDT and runs till midnight July 11.
When deciding on the most effective bank card for Amazon purchases, take into account points-earning charges, rewards currencies and advantages similar to buy safety and prolonged warranties. You may even select a card based mostly on a selected buy, whether or not you are a Prime member or what different playing cards you already carry.
With that in thoughts, listed below are the most effective bank cards for purchasing at Amazon.
The very best bank cards for Amazon purchases
The knowledge for the Chase Freedom Flex and Uncover it Money Again card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Prime Visa
For a lot of, the Amazon Prime Visa is the most suitable choice for Amazon purchases.
The cardboard affords a formidable 5% money again on all Amazon and Complete Meals purchases (with an eligible Prime membership), 2% again at eating places, fuel stations, native transit and commuting (together with ride-hailing companies) and 1% again on all different purchases.
Moreover, you may earn 10% or extra cash again on a rotating choice of objects and classes on Amazon.com.
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Throughout Prime Day, which begins July 8 at 12:01 a.m. PDT and runs till midnight July 11, Prime Visa cardholders with an eligible Prime membership also can earn 7% again with no-rush supply on eligible objects.
Presently, new cardholders also can obtain a $250 Amazon reward card immediately upon approval. Observe you need to pay for a Prime membership ($139 per yr) to qualify. Nevertheless, since so many U.S. households already subscribe to Prime, that is in all probability not a lot of a difficulty for the cardboard’s goal demographic.
The Prime Visa’s greatest drawback is that the excessive cash-back price is its solely actual draw. It comes with buy safety (it covers objects as much as $500 in worth if broken or stolen inside 120 days of buy) and prolonged guarantee safety.
It would not embody necessary buy advantages like worth safety and return safety, so it is not preferrred for giant purchases.
To be taught extra, take a look at our full evaluation of the Prime Visa.
Apply right here: Prime Visa
Capital One Enterprise X and Enterprise Rewards playing cards
Based mostly on TPG’s July 2025 valuations of Capital One miles at 1.85 cents per mile, this equates to a good 3.7% return.
The Enterprise X has an annual charge of $395, whereas the Enterprise Rewards’ annual charge is simply $95. No matter which possibility you choose, be sure to’re utilizing that card for extra than simply Amazon purchases to get correct worth from its annual charge.
Past that, each the Enterprise and Enterprise X have similar welcome affords: earn 75,000 bonus miles after spending $4,000 on purchases inside the first three months of account opening.
To be taught extra, take a look at our full critiques of the Capital One Enterprise X and Capital One Enterprise Rewards.
Associated: Capital One Enterprise Rewards vs. Capital One Enterprise X
Study extra: Capital One Enterprise X
Study extra: Capital One Enterprise Rewards
Chase Freedom Limitless and Freedom Flex
In the event you’re not a Prime subscriber and nonetheless desire a stable return in your spending, your greatest wager could also be to go together with the no-annual-fee Chase Freedom Limitless.
The cardboard supplies 5% money again on journey bought by way of Chase Journey℠, 3% again on drugstore and eating purchases and a couple of% again on Lyft rides by way of Sept. 30, 2027. All different purchases, together with on Amazon, earn 1.5% again.
In the meantime, the Chase Freedom Flex earns 5% on as much as $1,500 in mixed purchases in bonus classes every quarter you activate. As you may discover on this information, Amazon purchases are usually included as a second-quarter spending class annually.
Observe, the Freedom Flex isn’t at present taking new purposes.
Whereas each playing cards earn a stable return, you may probably double the worth of your rewards by pairing one with a Chase Sapphire Reserve® (see charges and costs), Chase Sapphire Most popular® Card (see charges and costs) or Ink Enterprise Most popular® Credit score Card (see charges and costs).
In the event you do, you may convert your cash-back rewards into full-fledged transferable Final Rewards factors, value 2.05 cents every based mostly on TPG’s July 2025 valuations.
The Freedom Limitless and Freedom Flex additionally supply buy safety for as much as 120 days after harm or theft and prolonged guarantee safety, extending eligible producers’ warranties by a further yr. Like the 2 Amazon playing cards, the Freedom Limitless and Freedom Flex would not have an annual charge.
In contrast to the Prime Visa, nonetheless, the Freedom Flex and Freedom Limitless don’t require a separate membership to use for.
To be taught extra, take a look at our full critiques of the Freedom Limitless and Freedom Flex.
The knowledge for the Chase Freedom Flex has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Associated: The ability of the Chase Trifecta: Maximize your earnings with 3 playing cards
Apply right here: Chase Freedom Limitless
Study extra: Chase Freedom Flex
Uncover it Money Again
Amazon’s Prime Visa and the Freedom Flex aren’t the one playing cards to supply 5% money again on purchases (Freedom Flex affords 5% again on as much as $1,500 every quarter while you activate) — the no-annual-fee Uncover it Money Again does too (on rotating classes and as much as $1,500 every quarter you activate, and 1% money again after that) — and this one would not require you to be a Prime member.
Sometimes, the rotating classes embody Amazon purchases not less than as soon as per quarter.
Remember the fact that whereas this card is nice for Amazon purchases when Amazon is included within the bonus earnings, it is not the most effective card to make use of year-round. When Amazon isn’t part of the quarterly cash-back bonus class, your purchases will solely obtain 1% again.
Nevertheless, what makes the cardboard shine is that Uncover will match your rewards on the finish of your first cardmember yr, so you may stand up to 10% again on Amazon purchases throughout 1 / 4 when it is a bonus retailer.
Sadly, different advantages have been discontinued, together with prolonged guarantee, return, buy and worth safety.
Study extra: Uncover it Money Again
American Specific Gold Card
The American Specific Gold Card is an effective selection for individuals who make high-value purchases on Amazon.
You will earn 1 Membership Rewards level per greenback on Amazon purchases, yielding a return of two% based mostly on TPG’s July 2025 valuations of Membership Rewards factors at 2 cents per level.
Nevertheless, except there’s an Amazon deal obtainable by way of Amex Provides, this may not be the most effective card from an incomes perspective.
The largest advantage of utilizing the cardboard is its beneficiant buy safety coverage. Whereas many playing cards embody the same perk, the American Specific Gold Card supplies an astounding $10,000 in safety per incident and as much as $50,000 for all incidents in a calendar yr.*
Proper now, new cardmembers discover out their supply and see if they’re eligible to earn as excessive as 100,000 bonus factors after spending $6,000 on purchases inside the first six months of card membership. Welcome affords differ and also you is probably not eligible for a proposal. This card comes with a $325 annual charge (see charges and costs).
To be taught extra, take a look at our full evaluation of the Amex Gold.
*Eligibility and profit ranges differ by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
Apply right here: American Specific Gold Card
How does an Amazon bank card work?
The one true Amazon bank card on our listing is the cobranded Prime Visa, and it is the only option for a lot of loyal Amazon consumers. Along with the Amazon-specific welcome supply, you may take pleasure in not less than a 5% cash-back incomes price on Amazon purchases. Apart from playing cards that provide rotating spending classes, it is exhausting to match that.
With that stated, in case you’re in search of a extra well-rounded card that works nicely for Amazon purchases and different classes you spend lots in, one of many different playing cards on our listing is likely to be extra appropriate.
For instance, each the Chase Freedom Flex and Chase Freedom Limitless permit you to earn bonus cash-back from a wider vary of retailers and include extra versatile rewards.
Professionals and cons of Amazon bank cards
When searching for a bank card that works nicely for Amazon purchases, take into account the next professionals and cons:
Professionals
- No annual charge: The Amazon Prime Visa is an reasonably priced card that does not cost an annual charge or any international transaction charges.
- Amazon-specific welcome supply: The Prime Visa affords new cardholders a $250 Amazon reward card, permitting them to additional maximize their Amazon financial savings.
- Greater incomes charges for Amazon purchases: Amazon Prime Visa cardholders earn not less than 5% money again on their Amazon purchases. Different non-cobranded playing cards could embody Amazon of their rotating spending classes, however this card affords constantly excessive earnings on Amazon purchases.
Cons
- Prime membership prices $139 yearly: You have to be a Prime member to maximise sure Amazon bank card rewards.
- Restricted buy protections: The Amazon Prime Visa would not supply worth or return safety.
- Different playing cards supply higher incomes for sure classes: In the event you spend ceaselessly on eating, fuel or transit, one other card will earn you extra rewards on these purchases.
Continuously requested questions
How do I apply for an Amazon bank card?
You possibly can apply by way of the Amazon web site. After signing in to your Amazon account, you may see which playing cards you are eligible for based mostly in your Prime membership standing. From there, you may apply for one or a number of playing cards and even get an Amazon reward card immediately upon approval.
Is an Amazon bank card value it?
An Amazon bank card could make sense for individuals who store ceaselessly with Amazon and its household of companies. However many different bank cards supply extra common rewards that may be priceless all over the place, not simply with Amazon.
How do I pay my Amazon bank card?
Like most different playing cards, Amazon bank cards will ship you a month-to-month billing assertion. In the event you hyperlink your Amazon and Chase accounts, you may handle your Prime Visa card on the Amazon website, Chase web site or the Chase app.
What credit score rating do you want for an Amazon bank card?
Amazon recommends a “good” or “glorious” credit score rating for the Prime Visa, which usually means a rating of 670 or above. Nevertheless, as with all bank cards, different components could have an effect on your eligibility.
In the event you get declined or do not suppose you may qualify and are nonetheless occupied with an Amazon bank card, take into account one thing just like the Amazon Retailer Card, Amazon Prime Retailer Card or the Amazon Prime Secured Card.
The knowledge for the Amazon Retailer, Amazon Prime Retailer and Amazon Prime Secured playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Can you utilize Amazon bank cards anyplace?
The Prime Visa can be utilized anyplace, however different Amazon playing cards could face restrictions on the place you should utilize them. The Prime Visa’s restricted incomes charges exterior of Amazon purchases may imply you may need to use a common rewards or cash-back bank card exterior of Amazon.
Backside line
Whereas the Prime Visa affords a excessive return on Amazon purchases, it is not everybody’s best choice; it is solely obtainable to Prime members and lacks sturdy incomes charges in a number of key bonus classes.
Moreover, in case you’ve been saving up transferable factors for a selected redemption, it could make sense to earn rewards in that forex reasonably than money again. This fashion, you may prime off your account and e-book that award journey you’ve got been dreaming about sooner reasonably than later.
Associated: The very best retailer bank cards
For charges and costs of the Amex Gold, click on right here.
