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Our consultants reply readers' bank card questions and write unbiased product critiques (this is how we assess bank cards). In some circumstances, we obtain a fee from our companions; nevertheless, our opinions are our personal. Phrases apply to gives listed on this web page.
For those who're a frequent Amazon shopper, you will wish to use one of many greatest bank cards that earn probably the most factors or money again on your spending to get a good higher deal in your purchases.
Whether or not you like incomes flat-rate rewards or need a card that particularly earns a bonus on Amazon spending, there are a number of nice choices obtainable proper now. Earlier than you determine on a bank card, be sure you think about your total spending habits — and if you need different bells and whistles like journey insurance coverage and buy safety.
Listed here are the very best bank cards to make use of at Amazon in 2023.
We're centered right here on the rewards and perks that include every card. These playing cards will not be price it in the event you're paying curiosity or late charges. When utilizing a bank card, it is essential to pay your stability in full every month, make funds on time, and solely spend what you possibly can afford to pay.
Evaluate the Finest Amazon Credit score Playing cards
Amazon Prime Rewards Visa Signature Card
Intro supply
$100 Amazon present card immediately upon approval
Rewards
Earn 5% again on Amazon and Complete Meals purchases with an eligible Prime membership. Earn 2% again at eating places, fuel stations, and drugstores. Earn 1% again on all different purchases. Earn 10% again or extra on a rotating collection of Amazon merchandise and classes.
Amazon Prime Rewards Visa Signature Card
Intro supply
$100 Amazon present card immediately upon approval
Rewards
Earn 5% again on Amazon and Complete Meals purchases with an eligible Prime membership. Earn 2% again at eating places, fuel stations, and drugstores. Earn 1% again on all different purchases. Earn 10% again or extra on a rotating collection of Amazon merchandise and classes.
Amazon Prime Rewards Visa Signature Card
Particulars
Rewards
Earn 5% again on Amazon and Complete Meals purchases with an eligible Prime membership. Earn 2% again at eating places, fuel stations, and drugstores. Earn 1% again on all different purchases. Earn 10% again or extra on a rotating collection of Amazon merchandise and classes.
Intro supply
$100 Amazon present card immediately upon approval
Common Annual Share Charge (APR)
18.49% - 26.49% Variable
Execs & Cons
Highlights
Extra Studying
U.S. Financial institution Shopper Money Rewards™ Visa Signature® Card
Annual Price
$0 intro for the primary yr, then $95
Intro supply
$250 bonus after spending $2,000 in eligible purchases inside the first 120 days of account opening
Rewards
Earn 6% money again in your first $1,500 in mixed eligible purchases every quarter with two retailers you select. Earn 5.5% again on pay as you go automobile and resort reservations booked via the US Financial institution Rewards Middle. Earn 3% money again in your first $1,500 in eligible purchases in your selection of 1 on a regular basis class (like wholesale golf equipment, fuel and EV charging stations, payments and utilities). Earn 1.5% money again on all different eligible purchases.
U.S. Financial institution Shopper Money Rewards™ Visa Signature® Card
Annual Price
$0 intro for the primary yr, then $95
Intro supply
$250 bonus after spending $2,000 in eligible purchases inside the first 120 days of account opening
Rewards
Earn 6% money again in your first $1,500 in mixed eligible purchases every quarter with two retailers you select. Earn 5.5% again on pay as you go automobile and resort reservations booked via the US Financial institution Rewards Middle. Earn 3% money again in your first $1,500 in eligible purchases in your selection of 1 on a regular basis class (like wholesale golf equipment, fuel and EV charging stations, payments and utilities). Earn 1.5% money again on all different eligible purchases.
$0 intro for the primary yr, then $95
Annual Price
On U.S. Financial institution's web site
U.S. Financial institution Shopper Money Rewards™ Visa Signature® Card
Particulars
Rewards
Earn 6% money again in your first $1,500 in mixed eligible purchases every quarter with two retailers you select. Earn 5.5% again on pay as you go automobile and resort reservations booked via the US Financial institution Rewards Middle. Earn 3% money again in your first $1,500 in eligible purchases in your selection of 1 on a regular basis class (like wholesale golf equipment, fuel and EV charging stations, payments and utilities). Earn 1.5% money again on all different eligible purchases.
Annual Price
$0 intro for the primary yr, then $95
Intro supply
$250 bonus after spending $2,000 in eligible purchases inside the first 120 days of account opening
Beneficial Credit score
Glorious/Good
Common Annual Share Charge (APR)
18.74-28.74% Variable
Execs & Cons
Highlights
Extra Studying
Blue Money On a regular basis® Card from American Categorical
Intro supply
$200 assertion credit score after you spend $2,000 in purchases in your new card within the first six months of card membership
Rewards
Earn 3% money again at U.S. supermarkets, on-line retail purchases, and at U.S. fuel stations (on as much as $6,000 on purchases in every class per yr in purchases, then 1% money again). Earn 1% money again on all different purchases.
Blue Money On a regular basis® Card from American Categorical
Intro supply
$200 assertion credit score after you spend $2,000 in purchases in your new card within the first six months of card membership
Rewards
Earn 3% money again at U.S. supermarkets, on-line retail purchases, and at U.S. fuel stations (on as much as $6,000 on purchases in every class per yr in purchases, then 1% money again). Earn 1% money again on all different purchases.
On American Categorical's web site
Blue Money On a regular basis® Card from American Categorical
Particulars
Rewards
Earn 3% money again at U.S. supermarkets, on-line retail purchases, and at U.S. fuel stations (on as much as $6,000 on purchases in every class per yr in purchases, then 1% money again). Earn 1% money again on all different purchases.
Intro supply
$200 assertion credit score after you spend $2,000 in purchases in your new card within the first six months of card membership
Beneficial Credit score
Good to Glorious
Common Annual Share Charge (APR)
18.74% - 29.74% Variable
Intro Annual Share Charge (APR)
0% intro APR on purchases and stability transfers for 15 months from account opening
Execs & Cons
Highlights
Extra Studying
Wells Fargo Lively Money® Card
Intro supply
$200 money rewards bonus after spending $1,000 in purchases within the first three months from account opening
Rewards
Earn limitless 2% money rewards on purchases.
Wells Fargo Lively Money® Card
Intro supply
$200 money rewards bonus after spending $1,000 in purchases within the first three months from account opening
Rewards
Earn limitless 2% money rewards on purchases.
Wells Fargo Lively Money® Card
Particulars
Rewards
Earn limitless 2% money rewards on purchases.
Intro supply
$200 money rewards bonus after spending $1,000 in purchases within the first three months from account opening
Beneficial Credit score
Good to Glorious
Common Annual Share Charge (APR)
19.74%, 24.74%, or 29.74% Variable
Intro Annual Share Charge (APR)
0% intro APR on purchases and qualifying stability transfers for 15 months from account opening
Execs & Cons
Highlights
Extra Studying
Intro supply
0% intro APR on stability transfers for 18 months, then 18.74% - 28.74% variable APR
Rewards
Earn 2% on each buy with limitless 1% money again while you purchase, plus a further 1% as you pay for these purchases.
Intro supply
0% intro APR on stability transfers for 18 months, then 18.74% - 28.74% variable APR
Rewards
Earn 2% on each buy with limitless 1% money again while you purchase, plus a further 1% as you pay for these purchases.
Apply on-line at Citibank's web site.
Citi® Double Money Card
Particulars
Rewards
Earn 2% on each buy with limitless 1% money again while you purchase, plus a further 1% as you pay for these purchases.
Intro supply
0% intro APR on stability transfers for 18 months, then 18.74% - 28.74% variable APR
Beneficial Credit score
Good to Glorious
Beneficial credit score rating. Word that bank card lenders could use many various variations of credit score rating fashions when contemplating your software.
Present extra
Common Annual Share Charge (APR)
18.74% - 28.74% Variable
Intro Annual Share Charge (APR)
0% intro APR on stability transfers for 18 months
Editor's Score
Our editor's rankings analyze charges, bonuses, rewards, and advantages to focus on the best and most beneficial bank cards obtainable.
Present extra
Execs & Cons
Highlights
Extra Studying
Financial institution of America® Personalized Money Rewards Credit score Card
Intro supply
$200 money rewards bonus after you spend $1,000 on purchases inside 90 days of account opening
Rewards
Earn 3% money again in a class of your selecting amongst fuel, on-line buying, eating, journey, drug shops, or residence enchancment/furnishings (as much as $2,500 every quarter, then earn 1%). Earn 2% money again at grocery shops and wholesale golf equipment (as much as $2,500 every quarter, then earn 1%). Earn 1% money again on different purchases.
Financial institution of America® Personalized Money Rewards Credit score Card
Intro supply
$200 money rewards bonus after you spend $1,000 on purchases inside 90 days of account opening
Rewards
Earn 3% money again in a class of your selecting amongst fuel, on-line buying, eating, journey, drug shops, or residence enchancment/furnishings (as much as $2,500 every quarter, then earn 1%). Earn 2% money again at grocery shops and wholesale golf equipment (as much as $2,500 every quarter, then earn 1%). Earn 1% money again on different purchases.
On Financial institution of America's web site
Financial institution of America® Personalized Money Rewards Credit score Card
Particulars
Rewards
Earn 3% money again in a class of your selecting amongst fuel, on-line buying, eating, journey, drug shops, or residence enchancment/furnishings (as much as $2,500 every quarter, then earn 1%). Earn 2% money again at grocery shops and wholesale golf equipment (as much as $2,500 every quarter, then earn 1%). Earn 1% money again on different purchases.
Intro supply
$200 money rewards bonus after you spend $1,000 on purchases inside 90 days of account opening
Beneficial Credit score
Good to Glorious
Common Annual Share Charge (APR)
17.49% - 27.49% Variable
Intro Annual Share Charge (APR)
0% intro APR on purchases for the primary 18 billing cycles and for any stability transfers made inside the first 60 days of account opening
Execs & Cons
Highlights
Extra Studying
The Platinum Card® from American Categorical
Intro supply
80,000 Membership Rewards® Factors after spending $6,000 on purchases within the first six months from account opening
Rewards
Earn 5x Membership Rewards® Factors for flights booked instantly with airways or with American Categorical Journey on as much as $500,000 per calendar yr. Earn 5x Membership Rewards® Factors on pay as you go resorts booked with American Categorical Journey. 1 level per greenback on different purchases.
The Platinum Card® from American Categorical
Intro supply
80,000 Membership Rewards® Factors after spending $6,000 on purchases within the first six months from account opening
Rewards
Earn 5x Membership Rewards® Factors for flights booked instantly with airways or with American Categorical Journey on as much as $500,000 per calendar yr. Earn 5x Membership Rewards® Factors on pay as you go resorts booked with American Categorical Journey. 1 level per greenback on different purchases.
On American Categorical's web site
The Platinum Card® from American Categorical
Particulars
Rewards
Earn 5x Membership Rewards® Factors for flights booked instantly with airways or with American Categorical Journey on as much as $500,000 per calendar yr. Earn 5x Membership Rewards® Factors on pay as you go resorts booked with American Categorical Journey. 1 level per greenback on different purchases.
Annual Price
$695
See Charges and Charges
Present extra
Intro supply
80,000 Membership Rewards® Factors after spending $6,000 on purchases within the first six months from account opening
Beneficial Credit score
Good to Glorious
Common Annual Share Charge (APR)
See Pay Over Time APR
Intro Annual Share Charge (APR)
N/A
Editor's Score
Our editor's rankings analyze charges, bonuses, rewards, and advantages to focus on the best and most beneficial bank cards obtainable.
Present extra
Execs & Cons
Highlights
Extra Studying
Intro supply
$200 after spending $500 on purchases within the first three months from account opening
Rewards
5% money again on as much as $1,500 in mixed purchases in bonus classes every quarter you activate. 5% money again on journey bought via Chase Final Rewards®. 3% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service, and limitless 1% money again on all different purchases.
Intro supply
$200 after spending $500 on purchases within the first three months from account opening
Rewards
5% money again on as much as $1,500 in mixed purchases in bonus classes every quarter you activate. 5% money again on journey bought via Chase Final Rewards®. 3% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service, and limitless 1% money again on all different purchases.
Chase Freedom Flex℠
Particulars
Rewards
5% money again on as much as $1,500 in mixed purchases in bonus classes every quarter you activate. 5% money again on journey bought via Chase Final Rewards®. 3% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service, and limitless 1% money again on all different purchases.
Intro supply
$200 after spending $500 on purchases within the first three months from account opening
Beneficial Credit score
Good to Glorious
Common Annual Share Charge (APR)
19.49% - 28.24% Variable
Intro Annual Share Charge (APR)
0% intro APR on purchases and stability transfers for the primary 15 months
Execs & Cons
Highlights
Extra Studying
Earn 5% Again at Amazon and Complete Meals
Amazon Prime Rewards Visa Signature Card
The Amazon Prime Rewards Visa Signature Card
gives 5% money again on Amazon and Complete Meals purchases, together with Amazon present playing cards — so long as you are an Amazon Prime member (in any other case, you will earn 3% again on these purchases). Cardholders additionally get an additional 5 to fifteen% money again on sure promotional objects, which is likely one of the highest rewards charges you will discover. This makes the cardboard an ideal possibility on your Amazon purchases.
The cardboard gives an fascinating characteristic that may make it easier to lower your expenses on curiosity. At Amazon checkout, on purchases of $50 or extra, you possibly can select a 0% promo APR for six to 12 months in your buy (then a 18.49% - 26.49% Variable APR). For those who select this selection, you will not earn cash-back rewards, however it might make sense in case you have a big buy you wish to pay for over time.
New cardholders who apply for the Amazon Prime Rewards Visa Signature Card will immediately obtain a $100 Amazon present card immediately upon approval.
The Amazon Prime Rewards Visa Signature Card additionally earns 2% money again at eating places, fuel stations, and drugstores. Contemplating these are fairly frequent spending classes for most individuals, this is not a nasty card to have in your pockets, particularly because it has no annual payment.
Amazon Prime Rewards Visa Signature Card evaluate
Earn 6% Money Again on Two Retail Manufacturers (Together with Amazon)
US Financial institution Shopper Money Rewards card
The brand new U.S. Financial institution Shopper Money Rewards lets cardholders select which two well-liked retail manufacturers to earn 6% money again in (together with Amazon, Walmart, and Chewy) as much as $1,500 in mixed purchases per quarter (1.5% again then after).
You may additionally earn 3% money again in a single on a regular basis class (reminiscent of fuel and EV charging purchases, payments and utilities, or wholesale golf equipment) as much as $1,500 per quarter, in addition to 5.5% money again on resort and automobile bookings via the US Financial institution Rewards Middle. In any other case, you will earn 1.5% money again on all different purchases.
It is an ideal card for easy rewards incomes on on a regular basis spending, particularly for folk who ceaselessly store at main retail manufacturers. And even after hitting the $1,500 cap every quarter, you will nonetheless earn a powerful 1.5% money again in your purchases.
Cardholders are charged an annual payment of $0 intro for the primary yr, then $95, with the possibility to earn a beneficiant $250 bonus after spending $2,000 in eligible purchases inside the first 120 days of account opening. As well as, cardholders get Visa Signature advantages, in addition to respectable journey and buy safety perks.
But it surely does not supply a 0% introductory APR, only a common 18.74-28.74% Variable APR. It additionally expenses a international transaction payment, so it isn't supreme for touring overseas.
US Financial institution Shopper Money Rewards card evaluate
Earn 3% Money Again on US On-line Retail Purchases (Together with Amazon)
Amex Blue Money On a regular basis card
The Blue Money On a regular basis® Card from American Categorical received a little bit of a makeover final yr, and one of many enhancements was the addition of a brand new bonus class. Now, cardholders can earn 3% money again on U.S. on-line retail purchases on as much as $6,000 per yr (then 1% again) — and that features Amazon.
In any other case, cardholders earn 3% money again on the primary $6,000 spent at U.S. supermarkets every calendar yr (then 1% again), 3% money again at U.S. fuel stations on as much as $6,000 per yr in purchases (then 1% again), and 1% money again on different purchases (money again is obtained within the type of Reward Dollars that may be redeemed as assertion credit). That is a superb price of return for a bank card with no annual payment.
It is now providing a welcome bonus of a $200 assertion credit score after you spend $2,000 in purchases in your new card within the first six months of card membership.
New cardholders may get a 0% intro APR on purchases and stability transfers for 15 months from account opening, adopted by a 18.74% - 29.74% Variable APR.
The Blue Money On a regular basis® Card from American Categorical additionally added some helpful month-to-month credit for The Disney Bundle and Dwelling Chef that may prevent cash (in the event you already use these companies). Additionally, the card gives buy safety, which is helpful in the event you purchase high-value objects from Amazon (or anyplace else).
Blue Money On a regular basis Amex Card evaluate
Earn 2% Money Rewards at Amazon and All over the place Else
Wells Fargo Lively Money Card
The no-annual-fee Wells Fargo Lively Money® Card is a terrific selection for incomes 2% money rewards on purchases (together with Amazon) and it comes with a beneficiant welcome supply in addition. New cardholders can earn a $200 money rewards bonus after spending $1,000 in purchases within the first three months from account opening.
If in case you have bigger purchases arising, the intro APR supply on the cardboard might additionally turn out to be useful for saving on curiosity expenses. You may obtain a 0% intro APR on purchases and qualifying stability transfers for 15 months from account opening (then a 19.74%, 24.74%, or 29.74% Variable APR).
Cardholders additionally get a handful of advantages, together with mobile phone safety, roadside dispatch, journey emergency help, and Visa Signature Concierge entry.
Wells Fargo Lively Money card evaluate
Earn 2% Money Again All over the place With a Lengthy 0% Intro APR on Stability Transfers
Citi Double Money
For those who favor a flexible 2% money again bank card with a strong incomes price at Amazon (and in all places else), the Citi® Double Money Card is an effective decide, particularly in the event you're searching for an extended intro 0% APR stability switch supply. Cardholders get a 0% intro APR on stability transfers for 18 months, adopted by a 18.74% - 28.74% Variable APR.
You may additionally earn 2 factors per greenback (1 level on the time of buy and 1 level while you pay your invoice) on all purchases, with no restrict to what you possibly can earn.
Every level is price 1 cent towards money again, however you may as well use Citi ThankYou factors for journey, present playing cards, merchandise, and extra. As a result of the Citi® Double Money Card has no annual payment, it is a good card to maintain for the long run.
Citi Double Money card evaluate
See Insider's picks for the greatest stability switch bank cards »
Financial institution of America Personalized Money Rewards bank card
For those who do a whole lot of on-line buying usually, together with Amazon, the Financial institution of America® Personalized Money Rewards Credit score Card can doubtlessly be very rewarding. It is received a bit extra of a hands-on strategy, although; cardholders can earn 3% money again within the class they select every quarter from an inventory: fuel, on-line buying, eating, journey, drug shops, or residence enchancment/furnishings.
The three% incomes price is capped at a most of $2,500 per quarter mixed with the cardboard's 2% money again at grocery shops and wholesale golf equipment, after which you will earn 1% again on these purchases. The cardboard additionally comes with a compelling bonus supply: a $200 money rewards bonus after you spend $1,000 on purchases inside 90 days of account opening.
One benefit of this card is the power to vary your class each quarter, so in case your spending habits have a tendency to vary relying on the time of yr, this may very well be a very good decide. For instance, selecting on-line purchases for the final quarter of the yr (when people are likely to do a whole lot of vacation and present buying) might show very rewarding, however in the summertime months, fuel or eating could be a greater decide.
New cardholders additionally obtain a 0% intro APR on purchases for the primary 18 billing cycles and for any stability transfers made inside the first 60 days of account opening, adopted by a 17.49% - 27.49% Variable APR. There is not any annual payment, however watch out utilizing the cardboard outdoors the US, as a result of it expenses international transaction charges.
Financial institution of America Personalized Money Rewards bank card evaluate
Finest for Buy Safety
Amex Platinum
It does not earn bonus factors at Amazon (except your account is eligible for an Amex Provide** for bonus factors at Amazon), however The Platinum Card® from American Categorical
can be price contemplating, particularly for costlier Amazon purchases. That is as a result of it gives buy safety for as much as 120 days out of your date of buy, with a most of $10,000 per declare and $50,000 per account per yr.
The cardboard has a $695 annual payment, so it is not price getting for this profit alone, however in the event you can reap the benefits of perks like month-to-month Uber Money credit**, airline incidental payment credit**, and Saks credit**, to not point out airport lounge entry, it may be an ideal possibility.
American Categorical Platinum card evaluate
Finest for five% Money Again at Amazon in Q2 2023
Chase Freedom Flex
You will not at all times discover the Chase Freedom Flex℠
on our record of the very best bank cards for Amazon. It earns 5% money again (5x factors) on as much as $1,500 in mixed spending (then 1%) in classes that rotate each quarter while you activate the bonus. And from April 1 to June 30, 2023, these classes are Amazon and Lowe's.
This card can be a very good decide in the event you spend in different frequent classes, as a result of it earns 5% money again (5x factors) on journey booked via the Chase Journey Portal, 3% again (3x factors) on drugstore and eating purchases (together with takeout and eligible supply companies), and 1% again (1x factors) on every part else. That is why this card sits on the prime of our record of the greatest 5% money again bank cards.
There's presently a welcome bonus supply of $200 after spending $500 on purchases within the first three months from account opening. Plus, new cardholders can reap the benefits of a 0% intro APR on purchases and stability transfers for the primary 15 months, adopted by a 19.49% - 28.24% Variable APR.
Chase Freedom Flex bank card evaluate
Any Amex Card With an Amex Provide for Amazon
One profit of getting an American Categorical card is that you just get entry to Amex Presents**. These are offers for bonus factors or money again while you store with a particular retailer, and there are ceaselessly Amex Presents for bonus factors on Amazon purchases.
Since Amex Presents are focused (they range for every cardholder), it's possible you'll not see Amazon gives in your account, however it's price checking. Remember the fact that you want to add the Amex Provide to your account on-line and make a qualifying buy to be eligible for the bonus.
Among the greatest American Categorical playing cards embrace:
Any Card That Presents an Annual Spending Bonus
For those who're extra involved with long-term achieve, think about charging your Amazon purchases to a bank card that provides an annual incentive for assembly sure spending thresholds.
For instance, The Hilton Honors American Categorical Enterprise Card gives a free reward evening after you spend $15,000 in a calendar yr, and a second free evening after spending a complete of $60,000 in a calendar yr. You need to use your reward at nearly any Hilton resort, together with high-end resorts with charges approaching $1,000 per evening or extra.
Or think about the Marriott Bonvoy Bevy™ American Categorical® Card and Marriott Bonvoy Bountiful™ Card
, which provide a free award evening price as much as 50,000 factors after you spend $15,000 or extra in a calendar yr with the cardboard.
An alternative choice is to place your Amazon spending on one of many greatest Southwest bank cards to earn the Southwest Companion Go. For those who're unfamiliar with this profit, it primarily permits you to deliver a delegated companion together with you totally free (simply pay taxes and charges) on paid and award tickets.
You may earn the Companion Go while you earn 135,000 qualifying Southwest factors in a calendar yr, and factors earned through bank card welcome bonuses and spending rely towards this requirement. Plus, every year, Southwest bank card holders obtain a ten,000-point "increase" towards incomes the Companion Go.
Amazon Credit score Card Incessantly Requested Questions (FAQ)
There are three flavors of private Amazon-branded playing cards: The Amazon Prime Rewards Visa Signature Card, the Amazon Retailer Card, and the Amazon Secured Card. For small companies, there's additionally the Enterprise Prime American Categorical Card.
The Amazon Prime Rewards Visa Signature Card is phenomenal for Amazon and Complete Meals purchases — particularly in the event you're an Amazon Prime member. For no annual payment, it additionally gives a decent return on different frequent purchases reminiscent of eating places, fuel stations, and drug shops.
You need to use the Amazon Prime Rewards Visa Signature Card anyplace Visa is accepted. The opposite Amazon-branded playing cards are retailer bank cards and may solely be used for Amazon purchases.
You may make a cost relying on which Amazon card you have got. For those who've received the Amazon Prime Rewards Visa Signature Card, you will pay your invoice via Chase. For those who've received a retailer card, you will pay via Amazon with Synchrony Financial institution right here.
Most people who find themselves authorised for the Amazon Prime Rewards Visa Signature Card have a credit score rating within the good or glorious vary, which suggests a FICO rating of at the very least 670.
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