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The best credit cards for Amazon purchases of October 2022: Earn cash back or flexible rewards points

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Insider’s specialists choose the best providers and merchandise to help make good choices collectively along with your cash (here’s how). In some circumstances, we receive a charge from our our partners, nonetheless, our opinions are our private. Terms apply to affords listed on this internet web page.

If you’re a frequent Amazon shopper, you could want to make use of a credit card that earns the most rewards for your spending to get a good increased deal in your purchases.

Whether you like incomes flat-rate rewards or want a card that earns a bonus on Amazon spending, there are a variety of good selections on the market correct now. Before you identify on a credit card, be certain you take note of your complete spending habits — and if you want completely different bells and whistles like journey insurance coverage protection and purchase security.

Here are the best credit cards to make use of at Amazon in 2022.

We’re centered proper right here on the rewards and perks that embody each card. These cards is not going to be value it if you happen to occur to’re paying curiosity or late prices. When using a credit card, it’s important to pay your steadiness in full each month, make funds on time, and solely spend what you presumably can afford to pay.

Compare the best Amazon credit cards

The best Amazon credit card opinions

Earn 5% back at Amazon and Whole Foods: Amazon Prime Rewards Visa Signature Card

The Amazon Prime Rewards Visa Signature Card  affords 5% cash back on Amazon and Whole Foods purchases, along with Amazon reward cards — as long as you’re an Amazon Prime member (in every other case, you could earn 3% back on these purchases). Cardholders moreover get a further 5 to fifteen% cash back on positive promotional devices, which is one of the very best rewards prices you could uncover. This makes the cardboard an unbelievable risk for your Amazon purchases.

The card affords an fascinating perform that will will let you decrease your bills on curiosity. At Amazon checkout, on purchases of $50 or further, you presumably can choose a 0% promo APR for six to 18 months in your purchase (then a Amazon Prime Rewards Visa Signature Card  APR). If you choose this choice, you’ll not earn cash-back rewards, but it surely absolutely might make sense in case you have got a giant purchase it is advisable to pay for over time. 

New cardholders who apply for the Amazon Prime Rewards Visa Signature Card  will instantly receive a Amazon Prime Rewards Visa Signature Card .

The Amazon Prime Rewards Visa Signature Card  moreover earns 2% cash back at consuming locations, gasoline stations, and drugstores. Considering these are pretty frequent spending lessons for most people, this isn’t a foul card to have in your pockets, significantly as a result of it has no annual fee.

Review: Amazon Prime Rewards Visa Signature Card review

Earn 6% cash back on two retail producers (along with Amazon): US Bank Shopper Cash Rewards card

The new U.S. Bank Shopper Cash Rewards™ Visa Signature® Card lets cardholders choose which two in model retail producers to earn 6% cash back in (along with Amazon, Walmart, and Chewy) as a lot as $1,500 in blended purchases per quarter (1.5% back then after).

You’ll moreover earn 3% cash back in a single regularly class (resembling gasoline and EV charging purchases, funds and utilities, or wholesale golf gear) as a lot as $1,500 per quarter, along with 5.5% cash back on resort and automotive bookings by method of the US Bank Rewards Center. Otherwise, you could earn 1.5% cash back on all completely different purchases. 

It’s an unbelievable card for straightforward rewards incomes on regularly spending, significantly for individuals who usually retailer at essential retail producers. And even after hitting the $1,500 cap each quarter, you could nonetheless earn a sturdy 1.5% cash back in your purchases. 

Cardholders are charged a U.S. Bank Shopper Cash Rewards™ Visa Signature® Card annual cost, with the prospect to earn a generous U.S. Bank Shopper Cash Rewards™ Visa Signature® Card. In addition, cardholders get Visa Signature benefits, along with first fee journey and purchase security perks. 

But it doesn’t provide a 0% introductory APR, solely a typical U.S. Bank Shopper Cash Rewards™ Visa Signature® Card APR. It moreover costs a abroad transaction cost, so it is not excellent for touring abroad. 

Review: US Bank Shopper Cash Rewards Visa Signature

Earn 3% cash back on US on-line retail purchases (along with Amazon): Amex Blue Cash Everyday card

The Blue Cash Everyday® Card from American Express these days obtained a bit of a makeover, and one of the enhancements was the addition of a model new bonus class. Now, cardholders can earn 3% cash back on U.S. on-line retail purchases on as a lot as $6,000 per 12 months (then 1% back) — and that options Amazon.

Otherwise, cardholders earn 3% cash back on the first $6,000 spent at U.S. supermarkets each calendar 12 months (then 1% back), 3% cash back at U.S. gasoline stations on as a lot as $6,000 per 12 months (then 1% back), and 1% cash back on completely different purchases (cash back is acquired inside the form of Reward Dollars that could be redeemed as assertion credit). That’s an excellent value of return for a card with no annual cost.

It’s now offering an elevated welcome bonus of a Blue Cash Everyday® Card from American Express.

New cardholders may even get a Blue Cash Everyday® Card from American Express, adopted by a Blue Cash Everyday® Card from American Express APR.

The Blue Cash Everyday® Card from American Express moreover added some useful month-to-month credit for The Disney Bundle and Home Chef that will stop cash (if you happen to occur to already use these suppliers). There’s moreover purchase security, which is useful if you happen to occur to buy high-value devices from Amazon (or anyplace else).

Review: Amex Blue Cash Everyday review

Earn 2% cash rewards at Amazon and in all places else: Wells Fargo Active Cash Card

The no-annual-fee Wells Fargo Active Cash℠ Card is a terrific choice for incomes 2% cash rewards on purchases (along with Amazon) and it comes with a generous welcome provide as properly. New cardholders can earn a Wells Fargo Active Cash℠ Card.

If you could have larger purchases arising, the intro APR provide on the cardboard may also develop into helpful for saving on curiosity costs. You’ll receive a Wells Fargo Active Cash® Card (then a Wells Fargo Active Cash® Card APR). 

Cardholders moreover get a handful of benefits, along with cell phone security, roadside dispatch, journey emergency assist, and Visa Signature Concierge entry. 

Review: Wells Fargo Active Cash card review

Earn 2% cash back in all places with an prolonged 0% intro APR on steadiness transfers: Citi Double Cash 

If you like a flexible cash-back credit card with a steady incomes value at Amazon (and in all places else), the Citi® Double Cash Card is an environment friendly determine, significantly if you happen to occur to’re wanting for an prolonged intro 0% APR steadiness change provide. Cardholders get a Citi® Double Cash Card, adopted by a Citi® Double Cash Card APR.

For a restricted time, the cardboard is offering a welcome bonus of Citi® Double Cash Card. You’ll moreover earn 2 points per buck (1 degree on the time of purchase and 1 degree everytime you pay your bill) on all purchases, with no prohibit to what you presumably can earn. 

Each degree is value 1 cent in direction of cash back, nevertheless you could as properly redeem Citi ThankYou points for journey, reward cards, merchandise, and further. Because the Citi® Double Cash Card has no annual cost, it’s a good card to keep up for the long term. 

Review: Citi Double Cash card review

Best for on-line shopping for (along with Amazon): Bank of America Customized Cash Rewards credit card

If you achieve this a lot of on-line shopping for mainly, along with Amazon, the Bank of America® Customized Cash Rewards Credit Card can in all probability be very rewarding. It’s obtained a bit further of a hands-on technique, though; cardholders can earn 3% cash back inside the class they choose each quarter from a list: gasoline, on-line shopping for, consuming, journey, drug outlets, or residence enchancment/furnishings.

The 3% incomes value is capped at a most of $2,500 per quarter blended with the cardboard’s 2% cash back at grocery outlets and wholesale golf gear, after which you will earn 1% back on these purchases. The card moreover comes with a compelling bonus provide: a Bank of America® Customized Cash Rewards Credit Card.

One benefit of this card is the pliability to fluctuate your class every quarter, so in case your spending habits tend to fluctuate counting on the time of 12 months, this will very properly be determine. For occasion, choosing on-line purchases for the ultimate quarter of the 12 months (when individuals are possible to take action a lot of trip and reward shopping for) might present very rewarding, nevertheless within the summertime months, gasoline or consuming may very well be a larger determine.

New cardholders moreover receive a Bank of America® Customized Cash Rewards Credit Card, adopted by a Bank of America® Customized Cash Rewards Credit Card APR. There’s no annual cost, nevertheless be careful using the cardboard outside the US, in consequence of it costs abroad transaction prices.

Review: Bank of America Customized Cash Rewards card review

Best for purchase security: Amex Platinum

It doesn’t earn bonus points at Amazon (besides your account is eligible for an Amex Offer** for bonus points at Amazon), nevertheless Platinum Card® from American Express can be value considering, significantly for costlier Amazon purchases. That’s in consequence of it affords purchase security for as a lot as 120 days out of your date of purchase, with a most of $10,000 per declare and $50,000 per account per 12 months.

The card has a $550 annual cost, so it’s not worth getting for this benefit alone, nevertheless if you happen to occur to can take advantage of benefits like month-to-month Uber Cash credit**, airline incidental cost credit**, and Saks credit**, to not level out airport lounge entry, it might be an unbelievable risk.

Review: Amex Platinum review 

Any Amex card with an Amex Offer for Amazon

One revenue of having an American Express card is that you just get admission to Amex Offers**. These are affords for bonus points or cash back everytime you retailer with a selected retailer, and there are sometimes Amex Offers for bonus points on Amazon purchases.

Since Amex Offers are targeted (they fluctuate for each cardholder), likelihood is you will not see Amazon affords in your account, but it surely absolutely’s value checking. Keep in ideas that it’s advisable so as to add the Amex Offer to your account on-line and make a qualifying purchase to be eligible for the bonus.

Some of the best American Express cards embrace:

Any card that provides an annual spending bonus

If you’re further concerned with long-term purchase, take note of charging your Amazon purchases to a credit card that provides an annual incentive for meeting positive spending thresholds.

For occasion, The Hilton Honors American Express Business Card affords a free reward night reward after you spend $15,000 in a calendar 12 months, and a second free night time time after spending a whole of $60,000 in a calendar 12 months. You can use your reward at just about any Hilton hotel, along with high-end resorts with prices approaching $1,000 per night time time or further. 

Or take note of the Marriott Bonvoy Bevy™ American Express® Card and Marriott Bonvoy Bountiful™ Card, which give a free award night worth up to 50,000 points after you spend $15,000 or further in a calendar 12 months with the cardboard.

Another risk is to put your Amazon spending on a Southwest credit card with a view to earn the Southwest Companion Pass. If you’re unfamiliar with this revenue, it mainly permits you to convey a selected companion along with you for free (merely pay taxes and prices) on paid and award tickets.

You’ll earn the Companion Pass everytime you earn 125,000 qualifying Southwest points in a calendar 12 months, and points earned by method of credit card welcome bonuses and spending rely within the route of this requirement. 

Note that you could possibly solely have one personal Southwest co-branded card at a time. Here’s what you presumably can earn:

You may even earn a bonus from one personal Southwest card and a enterprise Southwest card or two.

Amazon credit card usually requested questions (FAQ)

How many Amazon credit cards are there?

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 corporations, there’s moreover the Business Prime American Express Card.

Is the Amazon credit card good?

The Amazon Prime Rewards Visa Signature Card is excellent for Amazon and Whole Foods purchases — significantly if you happen to occur to’re an Amazon Prime member. For no annual cost, it moreover affords a good return on completely different frequent purchases resembling consuming locations, gasoline stations, and drug outlets. 

Can I exploit my Amazon credit card anyplace?

You can use the Amazon Prime Rewards Visa Signature Card  anyplace Visa is accepted. The completely different Amazon-branded cards retailer cards and can solely be used for Amazon purchases.

How do I make an Amazon credit card price?

You’ll make a value counting on which Amazon card you could have. If you have got obtained the Amazon Prime Rewards Visa Signature Card , you could pay your bill by method of Chase. If you have got obtained a retailer card, you could pay by method of Amazon with Synchrony Bank here.

What credit score would you like for the Amazon credit card?

Most individuals who discover themselves accredited for the Amazon Prime Rewards Visa Signature Card  have a credit score inside the good or wonderful fluctuate, which suggests a FICO score of a minimal of 670.

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