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October 9, 2024: Prime Day means we’re republishing our list of the best credit cards to use for Amazon. In Q4 2024 you can get 5% cash back at Amazon with the Discover it® card, making that card the best credit card for Amazon for non-Prime members.
The Amazon credit card—the Prime Visa—is a great card to use for Amazon purchases if you have Prime. It offers generous rewards, plus essential benefits like extended warranty and purchase protection. But it’s far from the only good card to use at Amazon.
But the Prime Visa is not the only card offering excellent rewards and benefits at Amazon.com.
If you’re a business owner shopping at Amazon Business and spending on AWS services, there’s another card that’s better for you. Likewise, if you don’t have Prime, you can’t get the Prime Visa, so you’re going to want to find an alternative. Maybe you want a card that gives you better rewards for your online shopping more broadly. Or perhaps you are looking for even greater rewards—6% on Amazon is possible with the right card.
Here’s our take on the best credit cards to use at Amazon.
In this article…
Overview: The best credit cards for Amazon
 | Best for Prime members: Amazon Prime Visa 5% cash back or more rewards at Amazon.com. Requires paid Prime membership. No annual fee. |
 | Best for small business Prime members: Amazon Business Prime American Express Card 5% cash back or more rewards at Amazon.com. Requires paid Prime membership. No annual fee. |
 | Best for holiday shopping in Q4 2024: Discover it® Cash Back 5% cash back on up to $1,500 spent in rotating categories. From October-December 2024, that includes Amazon.com. |
 | 6% rewards at Amazon without Prime: U.S. Bank Shopper Cash Rewards® Visa Signature® Card 6% cash back on up to $1,500 in purchases at two retailers you choose each quarter. $0 intro annual fee for the first year ($95/year thereafter.) |
 | Best for U.S. online shopping: Blue Cash Everyday® Card from American Express 3% cash back on U.S. online retail purchases, on up to $6k in purchases each year, then 1%. $0 annual fee. (See Rates and Fees) |
 | Best with a BofA banking relationship: Bank of America® Customized Cash Rewards Possible to get up to 5.25% cash back at Amazon when selecting online shopping as your choice category and achieving Bank of America Preferred Rewards Platinum Honors status or higher. $0 annual fee. |
 | 5% rewards when Amazon.com is a rotating category: Chase Freedom Flex® Earn 5% cash back rewards on up to $1,500 in categories that rotate quarterly. $0 annual fee. |
How we picked: What credit card perks matter for Amazon purchases?
Most Amazon shoppers will prioritize cash back on Amazon purchases. For recurring purchases of household staples and small items, cash back is probably your sole priority.
But if you’re buying large, expensive items at Amazon, don’t discount the value of an extended warranty benefit and purchase protection. Having these perks on the credit card you use at Amazon can protect the items you buy from theft or damage for a few months after you buy them or cover you if something you buy stops working, usually within one year of the original manufacturer’s warranty expiring.
Here are the points we considered when putting together out list of the best cards to use at Amazon:
- Cash back on purchases. Amazon.com sells. For most of our purchases, we simply want the most cash back possible.
- Not everyone has an Amazon Prime membership. You might be a frequent Amazon.com shopper, but have opted out of paying for an annual subscription to spend money at Amazon.com. We get it. That’s why we included cards that do not require an Amazon Prime membership.
- Extended warranty, purchase protection, and return protection. When we buy durable goods—things like electronics and home appliances—we prioritize getting an extended warranty and purchase protection benefits. Amazon’s standard return policy is 30 days, so it’s nice to have return protection for some purchases.
My take: The cards I use on Amazon purchases
I have an Amazon Prime subscription and use the Amazon Prime Visa for pretty much everything I buy on the site.
Between the card’s 5% cash back rewards on Amazon.com purchases and the Chase extended warranty benefit that adds an extra year of warranty protection to pretty much everything I buy, there’s usually no reason for me to use another card.
Here are the cases I can recall when I’ve used another card:
- I charge some purchases to my Chase Freedom Flex℠, when it includes Amazon in its quarterly rotating 5% categories. The points I earn with the Freedom Flex are Ultimate Rewards, which I can use with my Ink Business Preferred® Credit Card for increased value with travel redemptions.
- Occasionally, I’ve seen an Amex Offer pop up that meant it made sense to use one of my Amex cards for Amazon purchases, but that hasn’t happened for quite some time.
More on the best cards for Amazon.com purchases
Here’s a bit more on the best cards to use at Amazon.com.
Best card for Prime members: Amazon Prime Visa
If you have Prime, the Amazon Prime Visa is the must-have card for Amazon.com spending. In most cases, this is the best card to use for all of your Amazon.com purchases. The card has no annual fee, but requires you to be a paid Amazon Prime memberr.
You’ll get 5% cash back rewards on pretty much everything you buy at Amazon.com, plus you’ll occasionally be offered more. Amazon frequently offers 6% cash back when you opt for slower shipping. In the past, Prime Day has brought Amazon Prime Visa customers 6% cash back on everything, 7% on many purchases if opting for slower shipping, and 10% cash back on some products.
The card also has Chase’s extended warranty benefit and purchase protection, so you don’t have to choose between getting great rewards and having your purchases protected.
Learn more in our overview of the Prime Visa.
Annual fee: annual_fees
Requires paid Prime membership.
The Prime Visa offers 5% cash back rewards at most Amazon brands, plus Chase extended warranty and purchase protection, making it one of the best cards to use at Amazon.
Welcome offer
Best sign-up bonus: bonus_miles_full
This bonus comes as an Amazon gift card, but the card earns points which can be redeemed for cash back.
Rewards
- 5% on Amazon.com.
- 5% on Amazon Fresh online or in-store.
- 5% at Whole Foods Market.
- 5% on Chase Travel℠ purchases.
- 2% at gas stations.
- 2% at restaurants.
- 2% on local transit and commuting, including rideshare.
- 1% on other purchases.
Rewards are earned as cash back.
Benefits
Consumer insurance benefits
Travel insurance benefits
- Auto rental collision damage waiver.
- Baggage delay insurance.
- Lost luggage reimbursement.
- Travel accident insurance.
- Travel and emergency assistance.
Best for small business Prime members: Amazon Business Prime American Express Card
As a small business owner, you might be interested in rewards with Amazon Business or AWS in addition to Amazon.com and Whole Foods. In that case, you might prefer the Amazon Business Prime American Express Card.
The Amazon Business Prime Card offers 5% rewards on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market. (The Chase card doesn’t offer bonus rewards with Amazon Business or AWS.) Rewards are capped at $120,000 in spending with the Amazon Business Prime American Express Card. After $120,000 of spending, you’ll earn 1% rewards on your Amazon purchases.
Annual fee: annual_fees
Requires paid Amazon Prime membership.
Foreign transaction fee: foreign_transaction_fee
(See Rates and Fees)
The Amazon Business Prime American Express Card offers 5% rewards on up to $120,000 of eligible Amazon spending, including U.S. purchases at Amazon Business and AWS. (After $120,000 of eligible spending, you’ll earn 1% for the remainder of the calendar year.)
Welcome offer
Best welcome offer: bonus_miles_full
This welcome offer is earned as an Amazon gift card.
Rewards
- 5% back or 90 day terms on U.S. purchases on Amazon.com with an eligible Prime Membership.
5% rewards are limited to the first $120,000 of purchases of 5% eligible purchases each calendar year. Afterward, you will earn 1%. Purchases financed with 90 day terms do not count toward this cap. 5% eligible Amazon purchases include U.S. purchases at:- Amazon.com
- Amazon Business
- AWS
- Whole Foods Market
- 2% back on U.S. purchases at restaurnats.
- 2% back on U.S. purchases at gas stations.
- 2% back on wireless phone services purchased directly from U.S. service providers.
- 1% on other purchases.
Rewards are earned as cash back.
Benefits
Consumer insurance benefits
- Extended warranty.
- Purchase protection.
Travel insurance benefits
- Baggage insurance plan.
- Car rental loss and damage insurance.
Best for holiday shopping in Q4 2024: Discover it® Cash Back
Even if you don’t have an Amazon Prime membership, you can still get 5% cash back rewards on Amazon.com this holiday season.
The Discover it® Cash Back card offers 5% cash back on up to $1,500 in combined purchases in categories that rotate quarterly. In the last quarter of 2024 (October-December), the Discover quarterly categories include Amazon. This means this holiday season, the Discover it card will get you the most cash back you can get at Amazon without paying for Prime or an annual fee.
But it gets better than 5% cash back if you’re a new cardmember because Discover doubles the cash back you’ve earned at the end of the first year of having your card. What this means is that you can get 5% cash back on your Amazon purchases made in Q4 2024 and, if you’re in your first year of having the card, you will get that cash back doubled at the end of your first year. This makes it possible to get 10% cash back at Amazon.com in the last quarter of 2024.
Learn more in our overview of the Discover it® Cash Back card.
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
All information about the Discover it® Cash Back card has been collected independently by cardsandpoints.com.
The Discover it® Cash Back card offers 5% cash back in Discover’s rotating quarterly categories. The Discover quarterly categories include Amazon.com in the last 3 months of 2024.
Sign-up bonus
Earn a $100 statement credit after you apply through a referral link and make your first purchase within 3 months of getting approved. Referral link.
Rewards
- 5% on up to $1,500 in combined purchases in Discover’s rotating 5% categories each calendar quarter.
- 1% on all other purchases.
Rewards are earned as cash back, but can also be redeemed for gift cards. When you redeem for select gift cards, you’ll get better-than-cash-back value for your rewards.
Benefits
The Discover it® Cash Back card offers no substantive benefits.
Best for 6% rewards at Amazon without Prime: U.S. Bank Shopper Cash Rewards® Visa Signature® Card
Maybe you like shopping on Amazon.com and you want better rewards, but you don’t pay for Prime. The U.S. Bank Shopper Cash Rewards® Visa Signature® Card is your ticket to getting up to 6% cash back rewards at Amazon.com year-round.
The card offers 6% cash back on up to $1,500 in purchases each quarter at two retailers you choose. If you chose Amazon.com you can earn more than Amazon’s own card without paying for Prime.
The downside to this card is that you’ll pay an annual fee—$0 intro annual fee for the first year, and $95/year thereafter—but if you maximize the select store rewards and everyday category rewards each quarter, you could earn rewards well in excess of this fee.
The card offers purchase security, return protection, and extended warranty protection, so it’s a great choice for charging items like electronics and durable goods.
You can learn more about the U.S. Bank Shopper Cash Rewards® Visa Signature® Card from our overview of the card.
Annual fee: $0 intro annual fee for the first year ($95/year thereafter.)
Foreign transaction fee: 3% of each foreign transaction.
All information about the U.S. Bank Shopper Cash Rewards® Visa Signature® Card has been collected independently by cardsandpoints.com.
The U.S. Bank Shopper Cash Rewards® Visa Signature® Card can offer the most cash back (up to 6% cash back) at two select retailers you choose, including Amazon.com.
Sign-up bonus
Earn a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening. Learn how to apply.
Rewards
- 6% on your first $1,500 in combined eligible purchase each quarter with two retailers you choose.
- 3% on your first $1,500 in eligible purchases each quarter on your choice of one everyday category.
Eligible everyday categories include wholesale clubs, gas and EV charging stations, and bills and utilities. - 1.5% on all other eligible purchases.
Rewards are earned as cash back.
Eligible 6% retailers
With the U.S. Bank Shopper Cash Rewards® Visa Signature® Card, you can choose two retailers to earn 6% cash back on up to $1,500 in combined eligible purchases each quarter. Here’s the list of eligible retailers.
- Ace Hardware®
- Apple®
- Amazon.com®
- Anthropologie®
- Bed, Bath, & Beyond®
- Best Buy®
- Chewy.com®
- Crate and Barrel™
- Disney®
- Home Depot®
- Ikea®
- Kohl’s®
- Lowe’s®
- Lululemon®
- Macy’s™
- Menards®
- Nordstrom™
- Pottery Barn®
- QVC®
- Restoration Hardware™
- Target®
- Walmart®
- Wayfair.com
- Williams Sonoma®
Benefits
Consumer insurance benefits
- Purchase security.
- Return protection.
- Extended warranty protection.
Travel insurance benefits
- Travel and emergency assistance services.
Partner benefits and statement credits
- Free Shipt membership until 12/31/24 with enrollment. After free membership expires, you are automatically enrolled in an annual Shipt membership at then-current prices until you cancel.
Best for U.S. online shopping: Blue Cash Everyday® Card from American Express
Another excellent option for Amazon.com shoppers without Prime is the Blue Cash Everyday® Card from American Express. If you don’t have Prime, Amazon.com is probably only one of several places you shop online—and the Blue Cash Everyday can give you bonus cash back, regardless of which U.S. online retailer you’re shopping.
With the Blue Cash Everyday card, you’ll earn 3% cash back on your purchases at U.S. online retail merchants, groceries at U.S. supermarkets, and gas at U.S. gas stations, on up to $6,000 of spending each calendar year in each category. (After $6,000 of spending in each category, you’ll earn 1% cash back.)
Learn more about the Blue Cash Everyday® Card from American Express in our overview of the card.
Annual fee: annual_fees (See Rates and Fees)
The Blue Cash Everyday® Card from American Express earns 6% cash back on the first $6,000 you spend at U.S. online retailers each calendar year, then 1% thereafter.
Welcome offer
Earn a $200 statement credit after you spend $2,000 on purchases on your new Card in your first 6 months of Card Membership. Plus receive 10% back, up to $150, as a statement credit on purchases at restaurants worldwide within the first 6 months of Card Membership. Learn how to apply for this Resy exclusive offer.
All information about the Blue Cash Everyday® Card from American Express has been collected independently by cardsandpoints.com.
Rewards
- 3% on groceries at U.S. supermarkets
on up to $6,000 per year of purchases, then 1%. - 3% on U.S. online retail purchases
on up to $6,000 per year of purchases, then 1%. - 3% on gas at U.S. gas stations
on up to $6,000 per year of purchases, then 1%. - 1% on other purchases.
Rewards are earned as cash back.
Benefits
Consumer insurance benefits
- Purchase protection. Covers eligible purchases against theft or accidental damage up to $1,000 per covered purchase and up to $50,000 per account per calendar year. Exclusions and terms apply.
Travel insurance benefits
- Car rental loss and damage insurance.
- Global assist hotline.
Partner benefits and statement credits
- $84 Disney Bundle Credit. Receive $7 back monthly after spending $9.99+ each month on an eligible auto-renewing U.S. subscription to the Disney Bundle. Enrollment required.
- $180 Home Chef Credit. Receive up to $15 per month in statement credits when you purchase an auto-renewing U.S. subscription for Home Chef meal kits.
- Amex Offers. Receive statement credits or extra rewards with targeted offers from select merchants. Enrollment required.
Best with a BofA banking relationship: Bank of America® Customized Cash Rewards
The key to making the Bank of America® Customized Cash Rewards card a great card to use at Amazon is through Bank of America’s Preferred Rewards program.
The card earns 3% back in a category of your choice on up to $2,500 in purchases each quarter. But that 3% becomes 5.25% when you achieve Platinum Honors status with BofA by holding a 3-month combined average daily balance of $100,000 or more across deposit and investment accounts.
If you already have Platinum Honors status, it might be worth looking into this card, but most people will probably be fine with sticking with the Prime Visa and foregoing an extra 25 basis points of rewards at Amazon.
Learn more about the card in our overview of the Bank of America® Customized Cash Rewards card. You should also check out how you can get more reward through the Bank of America Preferred Rewards program.
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
All information about the Bank of America® Customized Cash Rewards Credit Card has been collected independently by cardsandpoints.com.
Select online shopping as your choice category with the Bank of America® Customized Cash Rewards card to earn 3% cash back at Amazon.com—and up to 5.25% cash back if you’re a Preferred Rewards member with Platinum or higher status.
Sign-up bonus
bonus_miles_full Learn how to apply.
Rewards
- 3% in the category of your choice.
- 2% at grocery stores and wholesale clubs.
- 1% on all other purchases.
You’ll earn 3% and 2% rewards on the first $2,500 in combined purchases each calendar quarter in the 3% and 2% bonus categories. Earn 1% cash back on these purchases thereafter.
Rewards are earned as cash back. If you have Bank of America Preferred Rewards, you’ll receive additional rewards based on your rewards multiplier of up to 1.75. Your rewards multiplier is based on your relationship with Bank of America and Merrill.
3% choice categories
Choose one of the following categories to earn 3% cash back:
- Gas and EV charging stations.
- Online shopping, including cable, internet, phone plans, and streaming.
- Dining.
- Travel.
- Drug stores and pharmacies.
- Home improvement and furnishings.
You can change your choice category once each calendar month. You’ll earn 3% and 2% rewards on the first $2,500 in combined purchases each calendar quarter in the 3% and 2% bonus categories. Earn 1% cash back on these purchases thereafter.
Benefits
Consumer insurance benefits
- Extended warranty protection.
Travel insurance benefits
- Travel and emergency assistance services.
5% rewards when Amazon.com is a rotating category: Chase Freedom Flex®
The Chase Freedom Flex® gets its spot on this list because it includes frequently includes Amazon.com in its 5% rotating categories. Most recently, this was in the second quarter of 2024.
When Amazon is part of the card’s 5% categories, you can earn 5% cash back on a no-annual-fee card without having a Prime membership. The Freedom Flex earns Ultimate Rewards® points.
Learn more about the Chase Freedom Flex℠ from our review of the card or read about Ultimate Rewards® and how you can transfer your Freedom Flex points to a premium Ultimate Rewards card.
Annual fee: $0
Foreign transaction fee: 3% of the amount of each transaction in U.S. dollars
All information about the Chase Freedom Flex® has been collected independently by cardsandpoints.com.
The Chase Freedom Flex® offers 5% rewards on up to $1,500 in purchases in rotating categories each quarter when you activate.
Sign-up bonus
Learn more about sign-up bonuses in our article covering the best Freedom Flex bonuses.
The Chase Freedom Flex℠ offers different sign-up bonuses based on the channel you’re applying through
Best bonus online: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Learn how to apply.
In-branch offer: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
These bonuses are marketed as cash back, but earned as Chase Ultimate Rewards® points.
Rewards
- 5% in quarterly rotating categories
on up to $1,500 in total combined purchases each quarter when you activate. - 5% on travel purchased through Chase Travel℠
- 5% on Lyft rides through March 31, 2025.
- 3% on dining, including eligible takeout and delivery services.
- 3% on drugstore purchases.
- 1% on other purchases.
Rewards are marketed as cash back, but earned as Chase Ultimate Rewards® points.
Ultimate Rewards® can be combined across cards you hold. If you hold a premium Ultimate Rewards card, you can transfer your points to Chase’s transfer partners or use your points for increased value when you book travel through Chase Travel℠. For more about using Ultimate Rewards, check out our guide on the Ultimate Rewards program.
Benefits
Consumer insurance benefits
- Purchase protection.
- Extended warranty protection.
- Cell phone protection.
Travel insurance benefits
- Trip cancellation/interruption insurance.
- Auto rental collision damage waiver.
- Travel and emergency assistance services.
Partner benefits and statement credits
- 3 complimentary months of DashPass. After your 3 months, you are automatically enrolled in DashPass at 50% off for the next 9 months. Activate by January 31, 2025.
More ways to earn more rewards: Gift cards and preloading your account
Amazon credit cards aren’t the only way to get a high rate of cash back on Amazon Purchases. In fact, you can get even more rewards on Amazon purchases by by employing some of these additional strategies.
Buying gift cards at retailers that earn category bonuses and using those gift cards to spend on Amazon. Office supply stores, drugstores, grocery stores, and gas stations frequently sell gift cards, including gift cards to Amazon.com. You can use a credit card that gets a high rate of cash back in one of these categories to buy Amazon gift cards at these places and load them to your account.
Load your Amazon account using 5% rotating category cards. Many of the 5% rotating category cards offer occasional rewards bonuses for Amazon.com spending for three months of the year. You can get 5% on your Amazon purchases if you use these cards to load your Amazon gift card balance when Amazon is a featured 5% category.
Frequently asked questions
Do I have to have Amazon Prime to get an Amazon Visa card?
No. You can get an Amazon Visa card without a Prime membership, but you’ll receive a version of the card that only offers 3% back on Amazon purchases.
Is it possible to get 5% cash back on everything I purchase on Amazon?
Yes. This is relatively simple if you have Amazon Prime. The Amazon Prime Visa earns 5% cash back on Amazon purchases.
Does the Amazon Prime Visa have an extended warranty?
Yes. The Amazon Prime Visa includes Chase’s extended warranty benefit, which gives you an extra year of warranty coverage on eligible warranties of three years or less.
What are the downsides of the Customized Cash for Amazon?
If you are a Preferred Rewards customer with Platinum Honors or higher status, you might be tempted to use the Bank of America® Customized Cash Rewards card for all of your Amazon purchases. But remember that the card does not offer an extended warranty benefit. The Prime Visa or another card may be a better bet if you care about warranty coverage.
American Express card disclosures
- For rates and fees of the Amazon Business Prime American Express Card, please visit this link: See Rates and Fees
- For rates and fees of the Blue Cash Everyday® Card from American Express, please visit this link: See Rates and Fees
Amex Extended Warranty benefit disclosure: When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Amex Basic Purchase Protection benefit disclosure: When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Amex Basic Baggage Insurance Plan benefit disclosure: Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Amex Basic Car Rental Loss and Damage Insurance disclosure: Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.
