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Best credit cards for Amazon purchases

July 12, 2022
12 min read
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Editor’s note: This is a recurring post, regularly updated with new information. This page includes information about the Discover it Cash Back that is not currently available on The Points Guy and may be out of date.


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

With the current array of deals for Prime Day, there are a number of ways to make the most of your Amazon purchases with popular credit cards.

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However, determining which card is right for you for Amazon purchases requires looking beyond just points-earning rates and considering other factors, such as rewards currencies, purchase protection and extended warranties. In some cases, you might even want to consider different cards depending on the specific purchase. Additionally, your best option may vary based on whether you’re a Prime member and what other cards you already carry.

Related: Best Amazon Prime Day 2022 deals for travelers

Finally, even if you don't actually use a participating card, you may be eligible for a discount of 40%-50% on your purchase by applying just 1 American Express point or 1 Chase point to your purchase.

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

Best credit cards for Amazon purchases

The information for the Amazon Prime Rewards Visa Signature and Discover it Cash Back has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Amazon Prime Rewards Visa Signature Card

(Photo by The Points Guy)
(Photo by The Points Guy)

At first glance, Amazon’s own Prime Rewards Visa appears to be the most exciting option — and for most people, it probably is. The Prime member-exclusive card, which should not be mistaken for the basic Amazon Rewards Visa, does not charge an annual fee (though you do need to pay for Prime membership, obviously).

It offers an impressive 5% cash back on all Amazon and Whole Foods purchases, as well as 2% back at restaurants, gas stations and drugstores, and 1% back on all other purchases.

In addition, from now through July 29 you’ll get a $200 gift card automatically loaded into your Amazon.com account upon approval. And on Prime Day this year (July 12 and 13), you'll enjoy 6% back on all Amazon and Whole Foods purchases.

The biggest drawback is that the high return on spending is all this card really has to offer. While it comes with purchase protection (it covers items up to $500 in value if they’re damaged or stolen within 120 days of purchase) and extended warranty protection, it doesn’t include important purchase benefits like price protection and return protection, so it’s not ideal for large purchases.

The other drawback is that you need a Prime membership (at $139 per year) to qualify. Although with so many U.S. households already subscribed to Prime, that’s probably not much of an issue for the card's target demographic.

Read our full review of the card.

Capital One Venture X and Venture cards

(Photo by John Gribben for The Points Guy)

If you're looking to earn transferable points on your Amazon purchases, a pair of cards from Capital One could be good options. That's because both the Venture X Rewards card and the Venture Rewards card offer 2 miles per dollar spent on everyday purchases — including Amazon.

Based on TPG's most recent point valuations, that's a very respectable 3.7% return (valuations are an estimate and not provided by the issuer).

Beyond that, both cards offer identical sign-up bonuses (75,000 miles once you spend $4,000 on purchases within the first three months from account opening) along with an array of other benefits.

Check out our comparison of the two Venture cards for additional details.

Official application links: Capital One Venture X and Capital One Venture, each with 75,000 bonus miles when you spend $4,000 in the first three months.

Chase Freedom Unlimited

(Photo by Wyatt Smith/The Points Guy)
(Photo by Wyatt Smith/The Points Guy)

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 go with the Chase Freedom Unlimited. The Freedom Unlimited provides 5% back on travel purchased through Chase, and 3% cash back on drugstore purchases and dining. All other purchases will earn 1.5% cash back.

While that’s a solid return on its own, you could potentially double the value of your rewards by pairing the Freedom Unlimited with a Chase Sapphire Reserve, Chase Sapphire Preferred Card or Ink Business Preferred Credit Card.

By doing so, you’ll be able to convert your cash-back points into full-fledged transferable Ultimate Rewards points, worth 2 cents each based on TPG’s monthly points valuations.

In addition, the current sign-up bonus on the card is an additional 1.5% back on all purchases up to $20,000 spent in the first year. This means that new cardholders could earn 3% cash back on Amazon purchases — making it an even better option for this sort of everyday purchase.

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

Additionally, the Freedom Unlimited also offers 120-day purchase protection and extended warranty protection that extends eligible manufacturer’s warranties by an additional year. Just like the two Amazon cards, this one does not carry an annual fee.

Read our full review of the card.

Official application link: Chase Freedom Unlimited with an additional 1.5% back on all purchases up to $20,000 spent in the first year.

Discover it Cash Back

Amazon’s Prime Rewards card isn’t the only one to offer 5% cash back on purchases — the no-annual-fee Discover it Cash Back does, too (on rotating categories, up to $1,500 each quarter you activate, and 1% cash back after that) -- and this one doesn’t require you to be a Prime member. However, this earning rate is typically only available on Amazon purchases just one quarter out of the year and even that isn't guaranteed to come around every year. This year, the Amazon bonus category is slated to come back in the fourth quarter of 2022.

This means that, starting Oct. 1, you'll be able to earn 5% cash back (after enrollment) using the Discover it Cash Back for up to $1,500 in purchases made at Amazon.

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

However, what makes the card shine is that Discover will match your rewards at the end of your first cardmember year, so you could get up to 10% back on Amazon.com purchases from a quarter when it’s a bonus retailer.

Unfortunately, the card has discontinued other benefits, including extended product warranty, return guarantee, purchase protection and price protection.

Read our full review of the card.

American Express® Gold Card

The final card on this list is primarily for those who make a lot of high-value purchases on Amazon.

With the Amex Gold Card, you’ll earn 1 Membership Rewards point per dollar on Amazon purchases, yielding a return of 2% based on TPG’s valuations. Unless there’s an Amazon deal available through Amex Offers, this won't be the best card from an earning perspective.

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

Related: Best credit cards for purchase protection

If these protections aren’t important to you, you can increase your return on spending by purchasing Amazon gift cards from select U.S. supermarkets and earning 4 points per dollar (on up to $25,000 in purchases per calendar year, then 1 point per dollar). Accruing 4 points per dollar means an effective 8% return on spending, which beats any previously discussed cards.

Alternatively, the Amex EveryDay® Preferred Credit Card from American Express could be a good option since it earns 3 points per dollar on up to $6,000 of eligible purchases per calendar year at U.S. supermarkets, then 1 point per dollar thereafter. The card also offers a 50% points bonus if you use it more than 30 times during a billing cycle, so you could be walking away with as many as 4.5 points per dollar spent at grocery stores, or a 9% return.

The information for the Amex EveryDay Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: How to get up to 5 points per dollar on Amazon purchases

The Amex Gold Card has a $250 annual fee (see rates and fees), but its benefits — including up to $120 in dining credits each calendar year at participating restaurants/locations and up to $120 in Uber Cash each year ($10 monthly credits) — make the card worthwhile. The card must be added to your Uber account to receive the Uber Cash benefit. Enrollment is required for select benefits.

Read our full review of the card.

Official application link: American Express Gold Card with a 60,000-point welcome offer after spending $4,000 in the first six months of cardmembership. However, you may be targeted for a higher welcome bonus through the CardMatch tool (offer is subject to change at any time).

Bottom line

As you can see, picking a card to use for Amazon purchases isn’t as simple as going with the one at the top of this list.

The best rewards credit card for you depends on your personal habits and priorities. So, while the Amazon Prime Rewards Visa Signature card offers a high return on Amazon purchases, it’s not everyone’s best option, as it’s only available to Prime members and lacks key shopping protections, which you’ll want for larger purchases.

Card benefits such as return protection have proved to be extremely valuable and may be worth sacrificing 2%-3% in rewards in the long run. Additionally, if you’ve been saving up transferable points for a specific redemption, it may make sense to earn rewards in that currency rather than cash back so that you can top off your account and book that award trip you’ve been dreaming about sooner.

For rates and fees of the Amex Gold, click here.

Additional reporting by Stella Shon and Benét J. Wilson.

Featured image by Bloomberg via Getty Images
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

TPG featured card

Best for the well-traveled foodie
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review
Apply for American Express® Gold Card
at American Express's secure site

Rewards

3 - 4X points
4XEarn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
4XEarn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3XEarn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com.

Intro offer

60,000 points
Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Annual Fee

$250

Recommended Credit

670-850
Excellent/Good
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

There's a lot to love about the Amex Gold card. It's been a fan favorite during the pandemic because of its fantastic rewards rate on restaurants (that includes takeout and delivery in the U.S.!) and U.S. supermarkets. If you're hitting the skies soon, you'll also earn bonus points on travel. Paired with up to $120 in Uber Cash (for U.S. Uber rides or Uber Eats orders) and up to $120 in annual dining statement credits at eligible partners, there's no reason that the foodie shouldn't add this card to their wallet. Enrollment required.

Pros

  • 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x)
  • 3x on flights booked directly with the airline or with Amex Travel
  • Welcome bonus of 60,000 points after spending $4,000 in the first six months

Cons

  • Weak on travel outside of flights and everyday spending bonus categories
  • Not as useful for those living outside the U.S.
  • Some may have trouble using Uber/food credits
  • Few travel perks and protections
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • Updated $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
Apply for American Express® Gold Card
at American Express's secure site
Terms & restrictions apply. See rates & fees
Best for the well-traveled foodie
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

4XEarn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
4XEarn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3XEarn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com.
  • Intro Offer
    Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

    60,000 points
  • Annual Fee

    $250
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    670-850
    Excellent/Good

Why We Chose It

There's a lot to love about the Amex Gold card. It's been a fan favorite during the pandemic because of its fantastic rewards rate on restaurants (that includes takeout and delivery in the U.S.!) and U.S. supermarkets. If you're hitting the skies soon, you'll also earn bonus points on travel. Paired with up to $120 in Uber Cash (for U.S. Uber rides or Uber Eats orders) and up to $120 in annual dining statement credits at eligible partners, there's no reason that the foodie shouldn't add this card to their wallet. Enrollment required.

Pros

  • 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x)
  • 3x on flights booked directly with the airline or with Amex Travel
  • Welcome bonus of 60,000 points after spending $4,000 in the first six months

Cons

  • Weak on travel outside of flights and everyday spending bonus categories
  • Not as useful for those living outside the U.S.
  • Some may have trouble using Uber/food credits
  • Few travel perks and protections
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® Points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® Points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • Updated $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees