The best credit cards for Amazon purchases – The Points Guy

Editor’s Note: This is a recurring post, regularly updated with new information.

With millions of products at your fingertips, it’s no surprise that people spend so much at Amazon. Whether you’re an occasional Amazon shopper or at a time when the online retail giant’s “Recommended For You” section knows you better than your best friend, you’ll want to make sure that you’re using a card that maximizes your purchases from the site.

However, determining Which card is right for you for Amazon purchases requires looking beyond points earning rates and considering other factors, such as bonuses, purchase protection, and extended warranties. In some cases, you may even want to consider different cards depending on the specific purchase. Also, your best option may vary depending on whether or not you’re a Prime member and what other cards you’ve brought with you.

Finally, even if you don’t actually use the participating card, you can still get up to 50% off your purchase by just signing up 1 American Express point or 1 chase point for your purchase.

With all that in mind, here’s a look at the best credit cards to use when shopping at Amazon.

Amazon Prime Rewards Visa Signature Card

At first glance, Amazon’s own Prime Reward Visa seems to be the most interesting option — and for most people, it probably is. The card is exclusive to Prime members, not to be confused with the basic Amazon Rewards Visa, no charge an annual fee (although you obviously need to pay for the Prime membership).

It offers an impressive 5% cashback on all purchases on Amazon and Whole Foods; 2% cashback at restaurants, gas stations and pharmacies; and 1% cashback on all other purchases.

The biggest drawback is the high return on spend which is all this card really offers. While it comes with purchase protection (insurance for up to $500 worth of items if they are damaged or stolen within 120 days of purchase) and extended warrantyit does not include important purchase benefits such as price protection And back protectionso it’s not ideal for big purchase.

The other limitation is that you need a Prime membership ($139 per year) to qualify. While there are plenty of U.S. households already signed up for Prime, that’s probably not a big deal for the card’s target demographic.

Read Our full review of cards.

Capital One Venture X and venture card

If you want transferable points on Amazon purchases, a pair of cards from Capital One could be a good choice. That’s because both X adventure reward card and Adventure reward card offers 2 miles for every dollar spent on daily purchases — including Amazon.

Based TPG’s most recent point valuationthat’s a very respectable 3.7% return (valuation is an estimate only and not provided by the issuer).

Additionally, both cards offer identical sign-up bonuses (75,000 miles after you spend $4,000 on purchases within the first three months of account opening).

our test compare two joint venture cards For more details.

Official app link: Capital One Ventures And Venture capitaleach person gets 75,000 bonus miles when you spend $4,000 in the first three months.

Unlimited pursuit of freedom

If you’re not a Prime subscriber and still want a solid return on your spending from a card with no annual fee, your best bet may be to use a Unlimited pursuit of freedom. Freedom Unlimited refunds 5% of travel purchased via Chasingand 3% cash back on purchases and meals at the pharmacy. All other purchases will earn 1.5% cash back.

While that’s already a solid return on its own, you have the potential to double the value of your rewards by combining Freedom Unlimited with a Chase Sapphire Reserve, Chase Sapphire Priority Card or Ink . Business Preferred Credit Card.

That way, you can convert your cashback points into Final Reward points are fully transferableworth 2 cents each based on TPG . Monthly Point Valuation.

Related: The Power of Chase Trifecta: Sapphire Reserve, Ink Preferred and Freedom Unlimited

In addition, Freedom Unlimited also provides 120 days purchase protection And extended warranty that thing Extended qualified manufacturer’s warranty one more year. Like the two Amazon cards, this one doesn’t charge an annual fee.

Read Our full review of cards.

Official app link: Unlimited pursuit of freedom with an additional 1.5% cashback on all purchases up to $20,000 spent in the first year.

Amazon’s Prime Rewards card isn’t the only card that gives 5% cash back on purchases – free every year Discover it Cashback same (on rotating categories, up to $1,500 per quarter you activate and 1% cash back afterwards) — and this doesn’t require you to be a Prime member. However, this monetization rate is usually only available on Amazon purchases only a quarter of the year, and even that is not guaranteed to appear every year.

The last time Amazon was in the rotating category was in the fourth quarter of 2021 and 2022.

Keep in mind that while this card is great for Amazon purchases in any quarter when Amazon is among the retailers that count toward the bonus, it’s not the best card to use year-round. When Amazon is not part of the quarterly cashback bonus category, your purchase will only receive 1%.

What makes the card stand out, however, is that Discover will match your rewards at the end of your first five card memberships, so you can get up to 10% back on Amazon.com purchases from one quarter then it is the bonus retailer.

Unfortunately, the card has stop other benefitsincludes extended product warranties, return guarantees, purchase protection, and price protection.

our reading full review of cards.

American Express® Gold Card

This card is a good choice for those who make a lot of high-value purchases on Amazon.

with Amex Gold Cardyou will earn 1 Membership Rewards point for every dollar purchase on Amazon, yielding 2% profit based on Valuation of TPG. Unless there’s an Amazon deal available through Amex Offersthis won’t be the best card from a monetization perspective.

The biggest benefit of using the card is its generosity purchase protection policy. Although many cards include a similar perk, Amex Gold Card offers an incredible $10,000 protection money per incident and up to $50,000 for all incidents in a calendar year.

Related: The best credit cards for purchase protection

The Amex Gold Card there is an annual fee of $250 (see rates and fees), but its benefits — including up to $120 in food credit per calendar year at participating restaurants/venues and up to $120 in Uber cash per year ($10 monthly credits) — makes the card worthwhile. The card must be added to your Uber account to receive Uber Cash benefits. Enrollment is required for selection benefits.

Read Our full review of cards.

Official app link: American Express Gold Card with a welcome offer of 60,000 points after spending $4,000 in the first six months of being a card member. However, you can be targeted for a higher welcome bonus through CardMatch . tool (Offers are subject to change at any time).

From April 1 to June 30 of this year, Chase Freedom and Chasing Flex Freedom Cardholder can earn 5% cash back (or 5 points per dollar) on spending on all Amazon purchases (as well as all Lowe purchases).

Once you activating alternate categoriesmembers can earn 5% back (or 5 points per dollar spent) on up to $1,500 spent in these categories during the qualifying quarter, and 1% (or 1 point per dollar spent). spend) afterwards.

Official app link: Chasing Flex Freedom

The best credit card rewards for you depends on your personal habits and priorities. So, while the Amazon Prime Rewards Visa Signature card offers great returns on Amazon purchases, it’s not everyone’s best choice, as it’s only available to Prime members and lacks other options. important shopping protections, for which you’ll want to make a larger purchase.

Card benefits like back protection proved very precious and it might be worth sacrificing 2%-3% rewards in the long run. Also, if you have saved Points are transferable for a particular redemption, it might make sense to earn rewards in that currency instead of cashback so you can top up your account and book that prize trip you dreamed about earlier.

For Amex Gold rates and fees, click This.

Additional reporting by Ryan Wilcox, Stella Shon and Benét J. Wilson.

For the Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Benefits Guide for details, where the terms and exclusions apply.