From toothpaste to treadmills, you could find nearly something you want (and wish) on Amazon — delivered in two days along with your Prime membership.
Should you’re planning to spend some huge cash throughout the Prime Day gross sales, you will need to maximize your purchases through the use of the suitable bank card so you’ll be able to earn essentially the most rewards or money again. Prime Day begins July 8 at 12:01 a.m. PDT and runs till midnight July 11.
When deciding on one of the best bank card for Amazon purchases, take into account points-earning charges, rewards currencies and advantages reminiscent of buy safety and prolonged warranties. You would possibly even select a card based mostly on a selected buy, whether or not you are a Prime member or what different playing cards you already carry.
With that in thoughts, listed here are one of the best bank cards for buying at Amazon.
The very best bank cards for Amazon purchases
The knowledge for the Chase Freedom Flex and Uncover it Money Again card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Prime Visa
For a lot of, the Amazon Prime Visa is the best choice for Amazon purchases.
The cardboard affords a powerful 5% money again on all Amazon and Entire Meals purchases (with an eligible Prime membership), 2% again at eating places, fuel stations, native transit and commuting (together with ride-hailing providers) and 1% again on all different purchases.
Moreover, you will earn 10% or extra cash again on a rotating collection of gadgets and classes on Amazon.com.
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Throughout Prime Day, which begins July 8 at 12:01 a.m. PDT and runs till midnight July 11, Prime Visa cardholders with an eligible Prime membership can even earn 7% again with no-rush supply on eligible gadgets.
Presently, new cardholders can even obtain a $250 Amazon reward card immediately upon approval. Be aware you could pay for a Prime membership ($139 per yr) to qualify. Nonetheless, since so many U.S. households already subscribe to Prime, that is most likely not a lot of a difficulty for the cardboard’s goal demographic.
The Prime Visa’s largest drawback is that the excessive cash-back fee is its solely actual draw. It comes with buy safety (it covers gadgets as much as $500 in worth if broken or stolen inside 120 days of buy) and prolonged guarantee safety.
It would not embrace essential buy advantages like worth safety and return safety, so it isn’t preferrred for giant purchases.
To be taught extra, try our full evaluate of the Prime Visa.
Apply right here: Prime Visa
Capital One Enterprise X and Enterprise Rewards playing cards
Based mostly on TPG’s July 2025 valuations of Capital One miles at 1.85 cents per mile, this equates to a decent 3.7% return.
The Enterprise X has an annual charge of $395, whereas the Enterprise Rewards’ annual charge is simply $95. No matter which choice you choose, ensure you’re utilizing that card for extra than simply Amazon purchases to get correct worth from its annual charge.
Past that, each the Enterprise and Enterprise X have equivalent welcome affords: earn 75,000 bonus miles after spending $4,000 on purchases throughout the first three months of account opening.
To be taught extra, try our full evaluations of the Capital One Enterprise X and Capital One Enterprise Rewards.
Associated: Capital One Enterprise Rewards vs. Capital One Enterprise X
Study extra: Capital One Enterprise X
Study extra: Capital One Enterprise Rewards
Chase Freedom Limitless and Freedom Flex
Should you’re not a Prime subscriber and nonetheless desire a stable return in your spending, your finest wager could also be to go together with the no-annual-fee Chase Freedom Limitless.
The cardboard offers 5% money again on journey bought via Chase Journey℠, 3% again on drugstore and eating purchases and a couple of% again on Lyft rides via Sept. 30, 2027. All different purchases, together with on Amazon, earn 1.5% again.
In the meantime, the Chase Freedom Flex earns 5% on as much as $1,500 in mixed purchases in bonus classes every quarter you activate. As you will discover on this information, Amazon purchases are usually included as a second-quarter spending class annually.
Be aware, the Freedom Flex will not be at the moment taking new purposes.
Whereas each playing cards earn a stable return, you possibly can probably double the worth of your rewards by pairing one with a Chase Sapphire Reserve® (see charges and charges), Chase Sapphire Most well-liked® Card (see charges and charges) or Ink Enterprise Most well-liked® Credit score Card (see charges and charges).
Should you do, you’ll be able to convert your cash-back rewards into full-fledged transferable Final Rewards factors, value 2.05 cents every based mostly on TPG’s July 2025 valuations.
The Freedom Limitless and Freedom Flex additionally supply buy safety for as much as 120 days after harm or theft and prolonged guarantee safety, extending eligible producers’ warranties by an extra yr. Like the 2 Amazon playing cards, the Freedom Limitless and Freedom Flex wouldn’t have an annual charge.
In contrast to the Prime Visa, nevertheless, the Freedom Flex and Freedom Limitless don’t require a separate membership to use for.
To be taught extra, try our full evaluations of the Freedom Limitless and Freedom Flex.
The knowledge for the Chase Freedom Flex has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Associated: The ability of the Chase Trifecta: Maximize your earnings with 3 playing cards
Apply right here: Chase Freedom Limitless
Study extra: Chase Freedom Flex
Uncover it Money Again
Amazon’s Prime Visa and the Freedom Flex aren’t the one playing cards to supply 5% money again on purchases (Freedom Flex affords 5% again on as much as $1,500 every quarter once you activate) — the no-annual-fee Uncover it Money Again does too (on rotating classes and as much as $1,500 every quarter you activate, and 1% money again after that) — and this one would not require you to be a Prime member.
Sometimes, the rotating classes embrace Amazon purchases at the least as soon as per quarter.
Remember the fact that whereas this card is nice for Amazon purchases when Amazon is included within the bonus earnings, it is not one of the best card to make use of year-round. When Amazon will not be part of the quarterly cash-back bonus class, your purchases will solely obtain 1% again.
Nonetheless, what makes the cardboard shine is that Uncover will match your rewards on the finish of your first cardmember yr, so you possibly can rise up to 10% again on Amazon purchases throughout 1 / 4 when it is a bonus retailer.
Sadly, different advantages have been discontinued, together with prolonged guarantee, return, buy and worth safety.
Study extra: Uncover it Money Again
American Specific Gold Card
The American Specific Gold Card is an efficient selection for individuals who make high-value purchases on Amazon.
You will earn 1 Membership Rewards level per greenback on Amazon purchases, yielding a return of two% based mostly on TPG’s July 2025 valuations of Membership Rewards factors at 2 cents per level.
Nonetheless, except there’s an Amazon deal accessible via Amex Gives, this would possibly not be one of the best card from an incomes perspective.
The largest good thing about utilizing the cardboard is its beneficiant buy safety coverage. Whereas many playing cards embrace the same perk, the American Specific Gold Card offers an astounding $10,000 in safety per incident and as much as $50,000 for all incidents in a calendar yr.*
Proper now, new cardmembers discover out their supply and see if they’re eligible to earn as excessive as 100,000 bonus factors after spending $6,000 on purchases throughout the first six months of card membership. Welcome affords differ and also you will not be eligible for a proposal. This card comes with a $325 annual charge (see charges and charges).
To be taught extra, try our full evaluate of the Amex Gold.
*Eligibility and profit ranges differ by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
Apply right here: American Specific Gold Card
How does an Amazon bank card work?
The one true Amazon bank card on our checklist is the cobranded Prime Visa, and it is the only option for a lot of loyal Amazon buyers. Along with the Amazon-specific welcome supply, you will take pleasure in at the least a 5% cash-back incomes fee on Amazon purchases. Apart from playing cards that provide rotating spending classes, it is laborious to match that.
With that stated, in the event you’re in search of a extra well-rounded card that works properly for Amazon purchases and different classes you spend loads in, one of many different playing cards on our checklist could be extra appropriate.
For instance, each the Chase Freedom Flex and Chase Freedom Limitless let you earn bonus cash-back from a wider vary of retailers and include extra versatile rewards.
Professionals and cons of Amazon bank cards
When searching for a bank card that works properly for Amazon purchases, take into account the next professionals and cons:
Professionals
- No annual charge: The Amazon Prime Visa is an inexpensive card that does not cost an annual charge or any international transaction charges.
- Amazon-specific welcome supply: The Prime Visa affords new cardholders a $250 Amazon reward card, permitting them to additional maximize their Amazon financial savings.
- Greater incomes charges for Amazon purchases: Amazon Prime Visa cardholders earn at the least 5% money again on their Amazon purchases. Different non-cobranded playing cards might embrace Amazon of their rotating spending classes, however this card affords persistently excessive earnings on Amazon purchases.
Cons
- Prime membership prices $139 yearly: You should be a Prime member to maximise sure Amazon bank card rewards.
- Restricted buy protections: The Amazon Prime Visa would not supply worth or return safety.
- Different playing cards supply higher incomes for sure classes: Should you spend incessantly on eating, fuel or transit, one other card will earn you extra rewards on these purchases.
Often requested questions
How do I apply for an Amazon bank card?
You possibly can apply via the Amazon web site. After signing in to your Amazon account, you’ll be able to see which playing cards you are eligible for based mostly in your Prime membership standing. From there, you’ll be able to apply for one or a number of playing cards and even get an Amazon reward card immediately upon approval.
Is an Amazon bank card value it?
An Amazon bank card could make sense for individuals who store incessantly with Amazon and its household of companies. However many different bank cards supply extra common rewards that may be precious in all places, not simply with Amazon.
How do I pay my Amazon bank card?
Like most different playing cards, Amazon bank cards will ship you a month-to-month billing assertion. Should you hyperlink your Amazon and Chase accounts, you’ll be able to handle your Prime Visa card on the Amazon website, Chase web site or the Chase app.
What credit score rating do you want for an Amazon bank card?
Amazon recommends a “good” or “wonderful” credit score rating for the Prime Visa, which usually means a rating of 670 or above. Nonetheless, as with all bank cards, different elements might have an effect on your eligibility.
Should you get declined or do not assume you will qualify and are nonetheless excited by an Amazon bank card, take into account one thing just like the Amazon Retailer Card, Amazon Prime Retailer Card or the Amazon Prime Secured Card.
The knowledge for the Amazon Retailer, Amazon Prime Retailer and Amazon Prime Secured playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Can you utilize Amazon bank cards wherever?
The Prime Visa can be utilized wherever, however different Amazon playing cards might face restrictions on the place you need to use them. The Prime Visa’s restricted incomes charges outdoors of Amazon purchases would possibly imply you will need to use a common rewards or cash-back bank card outdoors of Amazon.
Backside line
Whereas the Prime Visa affords a excessive return on Amazon purchases, it isn’t everybody’s most suitable choice; it is solely accessible to Prime members and lacks sturdy incomes charges in a number of key bonus classes.
Moreover, in the event you’ve been saving up transferable factors for a selected redemption, it could make sense to earn rewards in that foreign money relatively than money again. This manner, you’ll be able to high off your account and ebook that award journey you’ve got been dreaming about sooner relatively than later.
Associated: The very best retailer bank cards
For charges and charges of the Amex Gold, click on right here.
