From toothpaste to treadmills, you’ll find nearly something you want (and need) on Amazon — delivered in two days along with your Prime membership.
In the event you’re planning to spend some huge cash throughout the Prime Day gross sales, you will wish to maximize your purchases by utilizing 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 the very best bank card for Amazon purchases, contemplate points-earning charges, rewards currencies and advantages resembling buy safety and prolonged warranties. You may even select a card primarily based on a particular buy, whether or not you are a Prime member or what different playing cards you already carry.
With that in thoughts, listed here are the very best bank cards for procuring at Amazon.
The most effective 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 most suitable choice for Amazon purchases.
The cardboard provides a powerful 5% money again on all Amazon and Entire Meals purchases (with an eligible Prime membership), 2% again at eating places, gasoline stations, native transit and commuting (together with ride-hailing providers) and 1% again on all different purchases.
Moreover, you will earn 10% or additional cash again on a rotating choice 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 may also earn 7% again with no-rush supply on eligible gadgets.
At present, new cardholders may also obtain a $250 Amazon present card immediately upon approval. Be aware you will need to pay for a Prime membership ($139 per yr) to qualify. Nevertheless, since so many U.S. households already subscribe to Prime, that is in all probability not a lot of a problem for the cardboard’s goal demographic.
The Prime Visa’s greatest 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 does not embrace essential buy advantages like worth safety and return safety, so it is not excellent for big purchases.
To be taught extra, take a look at our full evaluate of the Prime Visa.
Apply right here: Prime Visa
Capital One Enterprise X and Enterprise Rewards playing cards
Primarily based on TPG’s July 2025 valuations of Capital One miles at 1.85 cents per mile, this equates to a good 3.7% return.
The Enterprise X has an annual payment of $395, whereas the Enterprise Rewards’ annual payment is simply $95. No matter which possibility you decide, ensure you’re utilizing that card for extra than simply Amazon purchases to get correct worth from its annual payment.
Past that, each the Enterprise and Enterprise X have similar welcome provides: earn 75,000 bonus miles after spending $4,000 on purchases inside the first three months of account opening.
To be taught extra, take a look at our full critiques 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
In the event you’re not a Prime subscriber and nonetheless need a strong return in your spending, your finest guess could also be to go along with the no-annual-fee Chase Freedom Limitless.
The cardboard gives 5% money again on journey bought by Chase Journey℠, 3% again on drugstore and eating purchases and a couple of% again on Lyft rides by 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 is just not at the moment taking new purposes.
Whereas each playing cards earn a strong return, you possibly can probably double the worth of your rewards by pairing one with a Chase Sapphire Reserve® (see charges and costs), Chase Sapphire Most popular® Card (see charges and costs) or Ink Enterprise Most popular® Credit score Card (see charges and costs).
In the event you do, you’ll be able to convert your cash-back rewards into full-fledged transferable Final Rewards factors, value 2.05 cents every primarily based on TPG’s July 2025 valuations.
The Freedom Limitless and Freedom Flex additionally provide buy safety for as much as 120 days after injury 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 do not need an annual payment.
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, take a look at our full critiques 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 facility 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 provides 5% again on as much as $1,500 every quarter whenever 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 does not require you to be a Prime member.
Usually, the rotating classes embrace Amazon purchases at the least as soon as per quarter.
Needless to say whereas this card is nice for Amazon purchases when Amazon is included within the bonus earnings, it is not the very best card to make use of year-round. When Amazon is just not part of the quarterly cash-back bonus class, your purchases will solely obtain 1% again.
Nevertheless, what makes the cardboard shine is that Uncover will match your rewards on the finish of your first cardmember yr, so you possibly can stand 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 Categorical Gold Card
The American Categorical Gold Card is an efficient selection for individuals who make high-value purchases on Amazon.
You may earn 1 Membership Rewards level per greenback on Amazon purchases, yielding a return of two% primarily based on TPG’s July 2025 valuations of Membership Rewards factors at 2 cents per level.
Nevertheless, until there’s an Amazon deal obtainable by Amex Gives, this would possibly not be the very best card from an incomes perspective.
The most important advantage of utilizing the cardboard is its beneficiant buy safety coverage. Whereas many playing cards embrace an analogous perk, the American Categorical Gold Card gives 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 provide and see if they’re eligible to earn as excessive as 100,000 bonus factors after spending $6,000 on purchases inside the first six months of card membership. Welcome provides fluctuate and also you will not be eligible for a suggestion. This card comes with a $325 annual payment (see charges and costs).
To be taught extra, take a look at our full evaluate of the Amex Gold.
*Eligibility and profit ranges fluctuate by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
Apply right here: American Categorical Gold Card
How does an Amazon bank card work?
The one true Amazon bank card on our listing is the cobranded Prime Visa, and it is the only option for a lot of loyal Amazon buyers. Along with the Amazon-specific welcome provide, you will get pleasure from at the least a 5% cash-back incomes fee on Amazon purchases. Except for playing cards that provide rotating spending classes, it is laborious to match that.
With that mentioned, in case you’re on the lookout for a extra well-rounded card that works nicely for Amazon purchases and different classes you spend loads in, one of many different playing cards on our listing is perhaps extra appropriate.
For instance, each the Chase Freedom Flex and Chase Freedom Limitless assist you to earn bonus cash-back from a wider vary of retailers and include extra versatile rewards.
Execs and cons of Amazon bank cards
When purchasing for a bank card that works nicely for Amazon purchases, contemplate the next professionals and cons:
Execs
- No annual payment: The Amazon Prime Visa is an reasonably priced card that does not cost an annual payment or any international transaction charges.
- Amazon-specific welcome provide: The Prime Visa provides new cardholders a $250 Amazon present card, permitting them to additional maximize their Amazon financial savings.
- Larger 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 provides constantly 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 does not provide worth or return safety.
- Different playing cards provide higher incomes for sure classes: In the event you spend steadily on eating, gasoline or transit, one other card will earn you extra rewards on these purchases.
Regularly requested questions
How do I apply for an Amazon bank card?
You’ll be able to apply by the Amazon web site. After signing in to your Amazon account, you’ll be able to see which playing cards you are eligible for primarily based 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 present card immediately upon approval.
Is an Amazon bank card value it?
An Amazon bank card could make sense for individuals who store steadily with Amazon and its household of companies. However many different bank cards provide extra common rewards that may be helpful in every single place, 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. In the event you hyperlink your Amazon and Chase accounts, you’ll be able to handle your Prime Visa card on the Amazon web site, 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. Nevertheless, as with all bank cards, different components might have an effect on your eligibility.
In the event you get declined or do not suppose you will qualify and are nonetheless concerned with an Amazon bank card, contemplate 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 anyplace?
The Prime Visa can be utilized anyplace, however different Amazon playing cards might face restrictions on the place you need to use them. The Prime Visa’s restricted incomes charges exterior of Amazon purchases may imply you will wish to use a common rewards or cash-back bank card exterior of Amazon.
Backside line
Whereas the Prime Visa provides a excessive return on Amazon purchases, it is not everybody’s best choice; it is solely obtainable to Prime members and lacks robust incomes charges in a number of key bonus classes.
Moreover, in case you’ve been saving up transferable factors for a particular redemption, it could make sense to earn rewards in that foreign money moderately than money again. This fashion, you’ll be able to prime off your account and ebook that award journey you have been dreaming about sooner moderately than later.
Associated: The most effective retailer bank cards
For charges and costs of the Amex Gold, click on right here.
