In the event you’re among the many greater than 200 million Amazon Prime members within the U.S., likelihood is you spend a major quantity with the web retail large.
We have dug into the perfect playing cards for Amazon purchases, together with playing cards that earn as much as 5% money again in your purchases — and that is earlier than factoring in any American Categorical Provides or different particular Amazon promotions.
The key to incomes probably the most factors on Amazon purchases is present playing cards. Whereas only a few bank cards provide Amazon as a bonus class, some provide excessive class bonuses at locations that promote Amazon present playing cards, reminiscent of grocery shops, fuel stations and workplace provide shops.
Incomes as much as 5 factors per greenback on Amazon purchases
The most effective playing cards for buying present playing cards is the Ink Enterprise Money® Credit score Card. On the floor, the cardboard earns 5% money again at workplace provide shops on the primary $25,000 in spending every account yr.
Nevertheless, the return jumps to roughly 10% if you happen to even have a Chase Sapphire Most popular® Card, Chase Sapphire Reserve® or Ink Enterprise Most popular® Credit score Card. Then, you’ll be able to convert your money again to transferable Final Rewards factors, that are price 2.05 cents apiece in keeping with TPG’s February 2025 valuations.
With this methodology, you might purchase an Amazon present card at Staples or OfficeMax and earn 5 factors per greenback spent for an efficient 10% again. Then, you should use that present card like money at Amazon.
If it is American Categorical Membership Rewards factors you are after, otherwise you aren’t eligible for a enterprise card, you may wish to contemplate the American Categorical® Gold Card.
The Amex Gold gives 4 Membership Rewards factors per greenback spent at U.S. supermarkets, on as much as $25,000 per calendar yr (then 1 level per greenback after that). 4 factors per greenback spent means an efficient 8% return since TPG values Amex factors at 2 cents apiece as of February 2025.
There’s additionally the Amex EveryDay® Most popular Card from American Categorical, which may very well be possibility if you happen to’re already a cardmember (since this card is not accessible to new candidates).
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It earns 3 factors per greenback spent on as much as $6,000 per calendar yr at U.S. supermarkets, then 1 level per greenback spent thereafter. However what makes this card stand out is that it gives a 50% factors bonus if you happen to use it greater than 30 instances in a single month. Which means you might be incomes as many as 4.5 factors per greenback spent at grocery shops, which equates to a 9% return in keeping with our valuations.
Lastly, there’s additionally the no-annual-fee Chase Freedom Flex®, which gives 5% again (or 5 factors per greenback spent when paired with an Final Rewards-earning card) on rotating classes on as much as $1,500 in purchases every quarter you activate. Prior to now, these classes have included grocery shops and Amazon.
When grocery shops aren’t an lively 5% quarterly class, the Freedom Flex nonetheless earns 3% again (or 3 factors per greenback with an eligible Final Rewards-earning card) on groceries.
The data for the Amex EveryDay Most popular has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Associated: One of the best bank cards for buying present playing cards
One thing to remember
There are a lot of choices for maximizing your Amazon present card purchases. Nevertheless, there’s one necessary caveat to remember. Though the entire playing cards talked about provide buy safety, the protection doesn’t apply when buying an merchandise with a present card as a substitute of a bank card. So, chances are you’ll wish to keep away from utilizing present playing cards on sure purchases.
You can also’t return present playing cards, however this should not be a lot of a difficulty if you happen to order from Amazon steadily anyway. Plus, you should use your Amazon present playing cards to purchase present playing cards at many different third-party retailers like Starbucks, Southwest Airways and Airbnb.
It is a good suggestion to keep away from shopping for a lot of present playing cards if you’re attempting to hit a welcome bonus. This conduct could be a crimson flag to credit score issuers and should lead to your account being reviewed and even the lack of your welcome bonus. The issuer might also restrict your capacity to earn welcome bonuses on future playing cards you apply for.
Each issuer has totally different phrases for his or her welcome bonuses, so be certain to verify the phrases of your card’s welcome provide.
Associated: One of the best bank cards for on-line buying
Backside line
A little bit effort and time can go a great distance. An efficient 10% return on Amazon purchases is just about nearly as good because it will get, although it is necessary to not overlook the trade-off between incomes factors and getting buy safety.
Associated: Is the Prime Visa bank card price the fee?
