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How Does LendingTree Get Paid?
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How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

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LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Best Credit Cards for Amazon Purchases for 2022

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

If you’re one of the more than 100 million Amazon Prime customers in the United States, you can earn a lavish amount of cash back on your online shopping by using the right credit card. And even without a Prime membership, you can still earn a respectable amount of cash back.

Through a review of cards available on LendingTree, as well as from top issuers, we’ve selected six of the best credit cards to use on Amazon.com for cash back or promotional financing.

Best for Amazon Prime members: Amazon Prime Rewards Visa Signature Card

Why we like this card: Earn 5% back at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% back at restaurants and gas stations and 1% back on all other purchases. It’s hard to beat 5% cash back, and there’s no limit on how much cash back you can earn at the 5% rate. Plus, new cardmembers Get a $150 Amazon Gift Card instantly upon approval.

Your cash back can be redeemed in the following ways:

  • Toward purchases on Amazon.com
  • As a statement credit or a deposit into a bank account
  • For gift cards
  • Toward flights, hotels, cruises, car rentals and more

Plus, the Amazon Prime Rewards Visa Signature Card offers numerous benefits, including:

  • Lost luggage reimbursement
  • Baggage delay insurance
  • Travel accident insurance
  • Travel and emergency assistance
  • Auto rental collision damage waiver
  • Roadside dispatch
  • Extended warranty protection
  • Purchase protection

What to watch out for: Though this card’s annual fee is $0, you will need an Amazon Prime membership, which costs $139 a year (or $69 a year for college students). Without a Prime membership, you’ll only be able to qualify for the Amazon Rewards Visa Card.

In addition, because this card is issued by Chase, make sure to review the Chase 5/24 rule. This unwritten rule means that anyone who’s been approved for five or more personal credit cards from any issuer within the past 24 months will be turned down for a new Chase card.

If you’re not sure of when you opened your existing cards, a free My LendingTree account can help you keep track.

More card details: Take advantage of the Visa Signature Concierge Service, available 24/7, to get help finding tickets to sporting events, making dinner reservations and sending gifts.

Best for shoppers without Prime: Amazon Rewards Visa Card

Why we like this card: If you like to shop on Amazon, but you’re not ready to shell out for an Amazon Prime membership, this is probably the card for you. Earn 5% back at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases. There’s no limit to how much cash back you can earn using this card.

Get a Get a $60 Amazon gift card upon approval.

Just like with the Amazon Prime Rewards Visa Signature Card, redemption options include:

  • Toward purchases on Amazon.com
  • As a statement credit or a deposit into a bank account
  • Gift cards
  • Toward flights, hotels, cruises, car rentals and more

And benefits with this card include:

  • Lost luggage reimbursement
  • Baggage delay insurance
  • Travel accident insurance
  • Travel and emergency assistance
  • Auto rental collision damage waiver
  • Roadside dispatch
  • Extended warranty protection
  • Purchase protection

What to watch out for: Like the Amazon Prime Rewards Visa Signature Card, this card is issued by Chase and therefore subject to the 5/24 rule. Before applying, ensure you’ve opened less than five new cards in the past 24 months.

More card details: This card also offers access to the Visa Signature Concierge Service, available 24/7, which can help with finding tickets to sporting events, making dinner reservations and sending gifts.

Best for financing options: Amazon Prime Store Card

Why we like this card: Cardholders who need to make a big purchase on Amazon and pay it off over a period of several months may appreciate the Amazon Prime Store Card’s options for promotional financing. On purchases of $150 or more, get the option of paying off your bill over a special financing period ranging from six to 24 months, or paying it off through an equal payments plan that can also span from six to 24 months. Note that the length of your plan depends on the purchase amount, and be aware that you won’t earn cash back when using promotional financing.

When not making use of promotional financing, cardholders with an Amazon Prime membership can get a generous rewards rate: Prime cardholders can earn 5% back at Amazon.com. However, without Prime, you’ll only qualify for the Amazon.com Store Card, which earns no rewards.

Redeem your cash back toward Amazon purchases or as a statement credit.

What to watch out for: If you opt for a special financing period but don’t pay the purchase off in full on time, you’ll owe interest from the date of purchase — this is known as deferred interest.

More card details: Get a $100 Amazon.com gift card upon approval of your credit card application.

Best for seasonal shopping: Discover it® Cash Back

| Disclosures
Discover it® Cash Back
Discover it® Cash Back
on Discover's secure site
0% Intro APR for 15 months
15.74% - 26.74% Variable APR
$0
5% cash back on everyday purchases at different places each quarter like
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • Get a 0% intro APR for 15 months on purchases. Then 15.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click "Apply Now" to see terms and conditions.
660 720 850
Excellent/Good

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Why we like this card: If you don’t have an Amazon Prime membership but still want the opportunity to earn a generous cash back rate on Amazon purchase, the Discover it® Cash Back is a good option.

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically. During the fourth quarter of 2022, the card offered the elevated rate on Amazon and digital wallet purchases.

Rewards can be redeemed in the following ways:

  • As a statement credit or a deposit into a bank account
  • To pay with rewards at Amazon.com and PayPal
  • For gift cards
  • Toward charitable donations

What to watch out for: Cardholders must activate this card’s new 5% category each quarter. Without activation, you’ll earn just 1% back on purchases made with the Discover it Cash Back.

More card details: Freeze and unfreeze your card online in case you misplace it, access your FICO Score for free and get free Social Security number alerts once you sign up if your personal info is found on the dark web.

Best for flexible cash back: Bank of America® Customized Cash Rewards credit card

| Disclosures
Bank of America® Customized Cash Rewards credit card
Bank of America® Customized Cash Rewards credit card
on Bank Of America's secure site
0% Intro APR for 18 billing cycles for purchases
17.74% - 27.74% Variable APR
$0
3% cash back in the category of your choice, automatic 2% at
  • $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.
  • New longer intro period! 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, 17.74% - 27.74% Variable APR will apply. A 3% fee (min $10) 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.

 
660 720 850
Excellent/Good

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Why we like this card: For those whose Amazon shopping fluctuates from month to month, the Bank of America® Customized Cash Rewards credit card is a great choice because it offers six cash back categories to choose from. Those categories are gas, online shopping, dining, travel, drug stores and home improvement/furnishings, and you can change your preferred one monthly.

When using the Bank of America® Customized Cash Rewards credit card, you’ll 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.

Rewards can be redeemed as follows:

  • As statement credits or deposits into a Bank of America bank account
  • For credit to an eligible account with Merrill
  • As contributions to a qualifying 529 account with Merrill
  • For checks

What to watch out for: The quarterly spending cap means that once you spend $2,500 in the 3% and 2% cash back categories combined, your earning rate will drop to 1% until next quarter.
More card details: Get your FICO Score for free. And if you’re a Preferred Rewards member, Bank of America offers the opportunity to earn anywhere from 25% to 75% bonus rewards.

Best for simple cash back rewards: Citi® Double Cash Card – 18 month BT offer

| Disclosures
Citi® Double Cash Card – 18 month BT offer
Citi® Double Cash Card – 18 month BT offer
on Citibank's secure site
N/A
17.74% - 27.74% (Variable)
$0
Earn 2% on every purchase with unlimited 1% cash back when you
  • 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 17.74% - 27.74%, 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).
660 720 850
Excellent/Good

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Why we like this card: If you prefer a simple approach to earning cash back rewards from your Amazon purchases, the Citi® Double Cash Card is one you may want to consider. Because the card offers a flat rewards rate, cardholders aren’t required to keep track of spending caps or rotating categories. Instead, cardholders earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. In addition, none

Rewards can be redeemed as follows:

  • As statement credits
  • Direct deposits
  • For checks

What to watch out for: Although the Citi® Double Cash Card offers a solid cash back rate, it is possible to earn a higher rewards rate from one of the other cards in this post.
More card details: Receive access to 24/7 customer service, 24-hour fraud protection, identity theft protection and more.

Compare the best credit cards for Amazon shopping

Compare the best credit cards for shopping on Amazon
Amazon Prime Rewards Visa Signature Card Amazon Rewards Visa Card Amazon Prime Store Card Discover it® Cash Back Bank of America® Customized Cash Rewards credit card Citi® Double Cash Card – 18 month BT offer
Best for Shoppers with Amazon Prime who want to maximize their cash back Consumers who don’t have Amazon Prime but still want to earn cash back Those who need to make a big purchase and spread out payments over several months Shoppers who are willing to activate new categories each quarter to earn a generous cash back rate Consumers whose spending fluctuates between different categories throughout the year Those who want a simple approach to earning cash back rewards
Sign-up bonus Get a $150 Amazon Gift Card instantly upon approval. Get a Get a $60 Amazon gift card upon approval. Get a $100 Amazon.com gift card upon approval. Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Earn a None.
Rewards Earn 5% back at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% back at restaurants and gas stations and 1% back on all other purchases.. Earn 5% back at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases. Prime cardholders can earn 5% back at Amazon.com. 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically. 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. Earn 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 $0 $0 $0 $0 $0
Regular purchase APR 17.24% to 25.24% variable 17.24% to 25.24% Variable 28.24% Variable 15.74% - 26.74% Variable APR 17.74% - 27.74% Variable APR 17.74% - 27.74% (Variable)

The information related to the Amazon Prime Rewards Visa Signature Card, the Amazon Rewards Visa Card, and the Amazon Prime Store Card has been independently collected by LendingTree and has not been reviewed or provided by the issuers of these cards prior to publication.

 

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