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Which Credit Cards Should You Use on Amazon.com?

Which Credit Cards Should You Use on Amazon.com?

Amazon.com is one of the most valuable companies in the world right now, and it’s not too hard to see why. Ordering almost anything you want with the website or mobile app is a piece of cake, and many things you buy qualify for two-day or even same-day shipping. An Amazon Prime subscription can even help you score free shipping on most items you buy, so it’s easy to get in the habit of shopping online instead of going to the store.

But, shopping on Amazon.com is even better if you make all your purchases with the right credit card. This is mostly because of the rewards you earn on all your purchases, but also because you can qualify for some consumer protections and perks.

5 Best Credit Cards for Amazon Purchases

If you’re an online shopper who wants to make the most of your internet shopping hobby, consider picking up one of the following credit cards. Some of them let you earn rewards you can redeem in several different ways, while others let you earn points good for more Amazon.com purchases.

Amazon Prime Rewards Visa Signature

The Amazon Prime Rewards Visa Signature credit card is geared to heavy Amazon.com shoppers who want to earn cash back. While you do need an Amazon Prime membership to apply, this card will grant you 5% back on Amazon.com and Whole Foods purchases, 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases. This card also comes with no annual fee and no foreign transaction fees, making it a good option for daily purchases, overseas travel, and long-term use.

As an added bonus, this card comes with perks like travel accident insurance, baggage delay coverage, and lost luggage reimbursement.

  • Pros: Earn 5% back on Amazon.com and Whole Foods purchases; no annual fee
  • Cons: You can only redeem rewards for Amazon.com purchases
  • Best for: Heavy Amazon.com shoppers who want more free stuff from Amazon.com

Discover it® Cash Back

Another card to consider is the Discover it® Cash Back. This no-fee rewards credit card lets you earn 5% back on up to $1,500 spent in categories that rotate each quarter, and their bonus categories occasionally include Amazon.com purchases. You also earn 1% back on everything else you buy, and crazy enough, Discover will double all the rewards you earn after 12 months. On the redemption side of things, you can redeem your rewards for statement credits, gift cards, or merchandise.

Note: You also get a free look at your FICO score on your monthly credit card statements as well as no late fee on your first late payment.

  • Pros: Earn 5% back on rotating bonus categories plus double all your cash back after 12 months
  • Cons: Bonus categories only give you 5% back on up to $1,500 in spending each quarter
  • Best for: Someone who wants to earn rewards with no annual fee

Chase Freedom®

The Chase Freedom® is another card that gives you 5% back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! You'll also earn unlimited 1% cash back on all other purchases. Bonus categories typically include Amazon.com purchases from time to time, although there’s no guarantee. This card also comes with no annual fee. Earn a $150 bonus after you spend $500 on purchases in your first 3 months from account openeing.

Cardholder benefits you can look forward to include purchase protection, extended warranties, trip cancellation and interruption insurance, travel and emergency assistance services, auto rental collision damage waiver, and roadside dispatch.

  • Pros: Earn 5% cash back bonus on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Cons: Bonus rewards are limited to $1,500 in spending each quarter
  • Best for: Someone who wants to earn rewards and score lots of cardholder perks with no annual fee

Citi Double Cash Card

The Citi Double Cash Card is a good option for Amazon.com since this card gives you 2% back on everything you buy — 1% back when you make a purchase and another 1% back when you pay it off. This card also comes with no annual fee, making it a good one if you’re into earning cash back but don’t want to pay for the privilege.

  • Pros: Earn 2% back on everything you buy, including Amazon purchases; no annual fee
  • Cons: You can only redeem your rewards for cash back or statement credits; there’s no signup bonus
  • Best for: Cash back enthusiasts who don’t want to deal with rotating categories

Chase Freedom Unlimited®

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Chase Freedom Unlimited®
Editor’s Rating: 4.7
4.7
You may also want to consider the Chase Freedom Unlimited® card for your Amazon.com purchases. With this card, you can earn a $150 bonus after you spend $500 on purchases in your first 3 months from account opening. After that, you earn an unlimited 1.5% cash back on all purchases.

There’s no annual fee, and you can redeem your rewards for statement credits, gift cards, travel, experiences, merchandise, and more. You’ll also get similar travel and consumer protections as you do with the traditional Chase Freedom® card.

  • Pros: Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on all purchases.
  • Cons: No signup bonus
  • Best for: Someone who wants to earn a high rate of rewards on Amazon.com purchases and everything else they buy.

Editorial Disclaimer: Information in these articles is brought to you by CreditSoup. Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles. The information is accurate to the best of our knowledge when posted; however, all credit card information is presented without warranty. Please check the issuer’s website for the most current information.




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Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category.

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