| Credit Cards | Our Ratings | Annual Fee | Rewards Rate | Welcome Offer | |
|---|---|---|---|---|---|
Prime Visa
 Apply Now
on Chase's secure site Rates & Fees |
Winner
|
$0 | 1% - 5% cash back
| $150 Amazon gift card
Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members
|
Apply Now
on Chase's secure site Rates & Fees |
Amazon Visa*
|
Non-Prime members
|
$0 | 1% - 3% cash back
| $250 Amazon gift card
Get a $50 Amazon Gift Card instantly upon approval
| |
Blue Cash Everyday® Card from American Express
|
Cash back on everyday purchases
|
$0 | 1% - 3% cash back
| $200 statement credit
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
| |
Chase Freedom Flex℠*
|
Rotating categories
|
$0 | 1% - 5% cash back
| $200 cash bonus
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
| |
Wells Fargo Active Cash® Card*
|
Simple rewards
|
$0 | 2% cash rewards on purchases
Earn unlimited 2% cash rewards on purchases
| $200 cash rewards
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
| |
Bank of America® Customized Cash Rewards credit card
Apply Now
on Bank Of America's secure site |
Financing large purchases
|
$0 | 1% - 6% cash back
| $200 cash rewards
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
|
Apply Now
on Bank Of America's secure site |
Amazon Prime Store Card*
|
Fair credit
|
$0 | 5% back at Amazon.com
Amazon Prime members can earn 5% back at Amazon.com
| $60 Amazon gift card
$60 Amazon Gift Card upon approval
| |
Amazon Secured Card*
|
Building credit
|
$0 | 2% cash back
2% back at Amazon.com and Whole Foods Market with an eligible Prime membership
| N/A | |
Amazon Business Prime American Express Card
|
Business owners
|
No annual fee | 1% - 5% cash back
| $125 Amazon gift card
Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
|
To select the best credit cards for Amazon purchases, we reviewed the cards available on LendingTree, as well as those offered by top issuers. We looked at a variety of factors, including the amount of rewards each card offers on Amazon purchases. We also considered the rewards offered in other popular spending categories, sign-up bonuses and rewards redemption options.
Annual fees and introductory APRs also contributed to our choices, as well as useful benefits, like extended warranty and purchase protection.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Amazon rewards: 5% cash back at Amazon.com
Full rewards rate details:
For Prime members, there’s no better choice than the Amazon Prime Visa. In addition to unlimited 5% cash back at Amazon.com, Amazon Fresh and Whole Foods market, you’ll get elevated rewards on Chase TravelSM, gas, dining and more. Although you can only earn rewards with this card if you have Amazon Prime membership, you won’t have to pay an annual fee. Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members.
“I think the Prime Visa is a must-have for Amazon users. As someone who places several Amazon orders per week, this card has given me a huge amount of cash back on my everyday purchases. I love that you can apply your cash back earnings right at checkout on Amazon. I’ve been able to easily apply my rewards towards large Amazon purchases like furniture for my home. I also use this card on rideshare and gas because of the 2% back on those purchases.”
– Sammi Scharf, credit cards writer at LendingTree
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Amazon rewards: 3% cash back at Amazon.com
Full rewards rate details:
If you want solid cash back rewards on Amazon purchases but don’t have a Prime membership, the Amazon Visa is ideal. Essentially a lighter version of the Prime Visa, it earns 3% cash back on Amazon purchases instead of 5%. But you’ll still get 2% cash back on gas, dining and local transit. Plus, you’ll get a $50 Amazon Gift Card instantly upon approval It also comes with more benefits than most no-annual-fee credit cards, including solid purchase and travel protections.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Amazon rewards: 3% cash back on U.S. online retail purchases (including Amazon.com) up to the annual maximum**
Full rewards rate details:
While it’s not an Amazon-branded card, you can still save big on Amazon purchases with the Blue Cash Everyday® Card from American Express. You’ll earn 3% cash back** (on up to $6,000 per year, then 1%) on U.S. online retail purchases, including Amazon.com. The average household spends just over $2,700 a year on Amazon purchases, which is well below the $6,000 spend cap.
The same earning rate applies to other everyday categories as well, including U.S. supermarkets and U.S. gas stations. Plus, you can earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Amazon rewards: 5% cash back on quarterly rotating bonus categories up to the quarterly maximum (which sometimes includes Amazon.com)
Full rewards rate details:
With the Chase Freedom Flex℠, you can earn 5% cash back (on up to $1,500) on rotating bonus categories each quarter (activation required), then 1% cash back. Amazon has been included as a Chase bonus category for one quarter each year since 2022. If you max out the spend cap on Amazon.com during the quarter it’s offered as a bonus category, you’ll earn $75 back on those purchases alone. You’ll also get a great sign-up bonus: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
“The Chase Freedom Flex℠ complements my other Chase cards perfectly. I love being able to use it as a travel card and activating new 5% cash back categories each quarter (up to the quarterly maximum; then 1%). This helps me earn rewards very quickly — especially when the bonus categories line up with common spending areas like Amazon.”
— Kristen Grau, credit cards writer at LendingTree
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Amazon rewards: 2% cash back on all purchases (including Amazon.com)
Full rewards rate details:
Earn unlimited 2% cash rewards on purchases
If you’re looking for a straightforward cash back credit card for Amazon purchases, the Wells Fargo Active Cash® Card should be at the top of your list. There’s no need to keep track of bonus categories or spending caps — you’ll simply earn unlimited 2% cash rewards on purchases. You’ll also get cellphone protection, an intro APR on purchases and balance transfers and an easy-to-earn sign-up bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Rewards rate: 1% - 6% cash back
Rewards rate details:
If you need to make a large Amazon purchase and pay it off over time, the Bank of America® Customized Cash Rewards credit card is ideal. It offers a 0% Intro APR for 15 billing cycles for purchases (after, a 18.24% - 28.24% Variable APR applies). Plus, its unique rewards structure lets you earn 6% cash back for the first year in the category of your choice, 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum. Since online shopping is an approved category, this applies to all Amazon.com purchases. Other approved categories include:
And if you’re a Bank of America Preferred Rewards® member, you can get a 25% to 75% boost on your earnings.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Amazon rewards: 5% cash back at Amazon.com
Rewards rate details:
Amazon Prime members can earn 5% back at Amazon.com
If you’re eying the Prime Visa but have less-than-perfect credit, the Amazon Prime Store Card is a great alternative. It’s designed for Amazon Prime members with fair credit and earns 5% cash back on all Amazon purchases. Just know that since it’s a store card, you won’t be able to use it anywhere else. And you’ll only earn rewards if you have a Prime membership. However, using this card responsibly can help you build credit and gain access to more flexible cash back credit cards.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Amazon rewards: 2% cash back at Amazon.com
Full rewards rate details:
Earn 2% back at Amazon.com and Whole Foods Market with an eligible Prime membership
The Amazon Secured Card is a great choice if you want to earn rewards on Amazon purchases while building your credit. You’ll get 2% back at Amazon.com and Whole Foods Market with an eligible Prime membership. The card helps you build credit by reporting your payment history to the three major credit bureaus: Equifax, Experian and TransUnion. You’ll also get free access to credit tracking tools and an extremely low 10.00% non-variable APR. Plus, after 12 months of responsible usage, you may be eligible to upgrade to the Amazon Prime Store Card.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Amazon rewards: 5% cash back (or a 90-Day financing term) on U.S. purchases at Amazon Business, AWS and Amazon.com
Full rewards rate details:
If you’re a small business owner who spends a significant amount on Amazon purchases each year, the Amazon Business Prime American Express Card could be a great fit. The card offers a unique opportunity to earn 5% back (or receive 90-Day interest-free financing) on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market (on up to $120,000, then 1%) per calendar year. Plus, you can earn a solid ongoing rate at U.S. restaurants, U.S. gas stations and on wireless phone services from U.S providers.
When choosing the best Amazon credit card, you’ll undoubtedly want to consider the amount of rewards you can earn per dollar spent on Amazon purchases. But there are other important factors you should look at as well, including rewards offered on non-Amazon purchases, the annual fee, the interest rate and more.
Earning rate on Amazon purchases
If you want to earn the highest rewards rate possible on your Amazon purchases, this will be the most important factor to consider. There are several cards that offer 5% cash back at Amazon.com, including our top pick, the Prime Visa.
Earning rate on other purchases
Your overall spending is important, so it’s best to choose a card that matches your spending habits beyond just Amazon.com. For example, if a large portion of your monthly budget is spent on groceries, you might want to consider a card that earns higher rewards in that category.
Annual fee
If a card charges an annual fee, you want to be sure you’ll get enough value from the rewards and benefits it offers to make up for the fee. That said, many cards that offer accelerated rewards on Amazon.com purchases have no annual fee. Just keep in mind — while Amazon-branded cards don’t charge annual fees, they often require a Prime membership to earn rewards on your Amazon purchases.
APR on purchases
If you think you may carry a balance from month to month, you should pay close attention to the card’s APR. Racking up high interest charges could essentially cancel out any rewards you earn. For example, the Amazon Prime Store Card earns 5% cash back at Amazon.com but comes with a high 29.99% APR. Other cards on our list come with more reasonable APRs, and some even come with a 0% intro APR period.
Other benefits
Also consider the benefits and protections offered by the card — such as annual credits, purchase protection, extended warranty, cellphone insurance and more — as they can help boost a card’s overall value.
In addition to free two-day delivery, Prime Video and other exclusive benefits, a Prime membership (which $139 per year for standard members and $69 per year for students) opens up access to the most rewarding Amazon credit cards. For example, let’s compare the Prime Visa to its non-Prime counterpart, the Amazon Visa:
| Prime Visa | Amazon Visa | |
|---|---|---|
| Rewards rate on Amazon purchases | 5% cash back | 3% cash back |
| Sign-up bonus | Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members. | Get a $50 Amazon Gift Card instantly upon approval |
| First-year value | $564* | $385* |
A sign-up bonus is an easy way to reap some serious rewards right off the bat. With most cash back cards, you’ll need to meet a minimum spending requirement in the first few months to earn the bonus. But it’s even easier with the following Amazon-branded cards, as you’ll receive an Amazon gift card instantly upon approval:
While it’s tempting to use your rewards for Amazon purchases, you’ll come out ahead if you redeem them for statement credits toward your balance. By using your Amazon card each time you check out, you can continue earning rewards on every purchase. Plus, paying off your balance each month keeps your credit utilization ratio low — which can help improve your credit score.
If you’re not interested in a Prime membership — or you simply want to earn rewards across more categories — you can opt for two cards that earn cash back on Amazon purchases. For example, you could use the Chase Freedom Flex℠ to make Amazon purchases during the quarter it offers 5% cash back, and the Blue Cash Everyday® Card from American Express to earn 3% back** throughout the remainder of the year. This way, you’ll have the chance to earn two sign-up bonuses and get more bonus categories.
If you do most of your shopping on Amazon, a card that offers elevated cash back rewards can help offset the cost of those purchases. Assuming you have Prime membership, Amazon-branded cards offer the highest ongoing rewards rates for the retailer. But if Amazon is only a small portion of your monthly budget, a general cash back card that earns high rates in other categories that match your spending habits may be best.
The following Amazon credit cards are issued by Visa or American Express and can be used anywhere those issuers are accepted:
However, the Amazon Prime Store Card and Amazon Secured Card can only be used at Amazon.com and Amazon affiliates, including Whole Foods Market and Amazon Fresh.
The best Amazon credit card is the one that aligns with your spending habits. For Amazon Prime members, the Prime Visa offers the highest ongoing rewards rate on Amazon purchases. But sometimes a non-Amazon-branded card is your best option, especially if it earns high bonus rates in categories that are part of your monthly spending.
An Amazon Prime membership costs $139 annually or $14.99 per month. An Amazon Prime Student membership costs $69 annually or $7.49 per month. Prime memberships are subject to sales tax in select states.
Typically, you’ll need good to excellent credit (which FICO considers to be a credit score ranging from 670 to 850) to be approved for the best Amazon credit cards: the Prime Visa, Amazon Visa and Amazon Business Prime American Express Card. If your credit score is on the lower side, you’ll have a better chance with the Amazon Prime Store Card (fair credit) or Amazon Secured Card (limited / poor credit).
Amazon Prime Day is an annual sales event with exclusive deals for Amazon Prime members. It usually takes place in mid-July, with a similar event (Prime Big Deal Days) occurring in October.
The easiest way to apply for an Amazon credit card is through an online application. Once you select a card, you’ll just need to provide some basic personal and financial information. Just note that most applications will trigger a hard pull on your credit, which can temporarily lower your credit score. That’s why it’s always a good idea to check your credit score beforehand to make sure you’ll qualify.
Yes, you can get an Amazon credit card even if you have bad credit. The Amazon Secured Card is designed for consumers with limited / poor credit. It comes with an extremely low 10.00% non-variable APR and is a great option for building credit. Plus, you’ll earn 2% back at Amazon.com and Whole Foods Market with an eligible Prime membership.
To see rates & fees for American Express cards mentioned on this page, visit the links provided below:
The information related to the Amazon Visa, Chase Freedom Flex℠, Wells Fargo Active Cash® Card, Amazon Prime Store Card and Amazon Secured Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
