Top 10 Credit Cards Recommended for Amazon Transactions
Maximizing your Amazon purchases requires choosing the right credit card. With so many options available, it’s important to shop around and compare the benefits of each one. Look for credit cards that offer purchase protections, extended warranties, cash back, and even Amazon gift cards. To help you make an informed decision, we’ve compiled a list of the 10 best credit cards to use for Amazon purchases. These cards provide rewards for your spending, so you can indulge in the occasional shopping spree without feeling guilty.
10. Bank of America Customized Cash Rewards Credit Card
With the Bank of America Customized Cash Rewards Credit Card, you have the flexibility to choose your cash back categories based on your spending preferences. For instance, if you frequently shop on Amazon, you can easily select online shopping as your top category and earn 3% cash back on all purchases. Additionally, you’ll receive 2% cash back on purchases made at grocery stores and wholesale clubs, and 1% cash back on all other purchases. This credit card offers a convenient way to earn cash back on the things you buy most.
9. Amazon Business Prime American Express Card
If your business frequently purchases from Amazon.com, AWS, or Whole Foods, the Amazon Business Prime American Express Card is an excellent choice. This credit card offers a remarkable 5% cash back on every purchase you make. Alternatively, you can opt for 90-day 0% APR financing on any eligible purchase. Moreover, you can earn 2% cash back on purchases at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased from US providers. For all other purchases, you can earn 1% cash back. Although there is no annual fee, having an Amazon Prime membership is a requirement to be eligible for this credit card. Upon approval, you’ll receive a $125 Amazon Gift Card in your account, along with access to a variety of expense management tools.
8. The Platinum Card from American Express
If you’re looking for a well-rounded credit card that offers a range of travel benefits, the Platinum Card from American Express is an excellent option. With perks like airport lounge access, complimentary elite status with Hilton and Marriott, and annual statement credits for Uber and Saks, this card is a traveler’s dream. While it doesn’t offer bonus points specifically for Amazon purchases (unless they’re eligible for an Amex Offer), the purchase protection is top-notch, offering up to $10,000 per claim. This is especially beneficial for customers who make frequent high-value purchases on Amazon.
7. Amex EveryDay Preferred Credit Card from American Express
If you frequently make purchases on Amazon, the Amex EveryDay Preferred Credit Card from American Express can be a wise choice. This card allows you to earn 1 American Express Membership Rewards point for every dollar spent on non-bonus category purchases, including Amazon. Moreover, Amex Offers frequently runs bonus-point promotions for Amazon purchases, allowing you to earn even more rewards for each dollar spent. As a bonus, if you make a minimum of 30 purchases per billing period, Amex will offer a 50% points bonus.
6. Citi Double Cash Card
As per businessinsider.com, the Citi Double Cash Card is highly recommended for Amazon purchases and is regarded as one of the best credit cards for this purpose. This card offers a 2% cash back on all purchases made on Amazon, and on all other purchases as well. This cash back is split into two parts, with 1% cash back offered at the time of purchase and the other 1% cash back offered when you pay your bill. The card has no annual fee and features a 0% introductory APR for 18 months on balance transfers. With no confusing bonus categories to worry about, this card has a simple and straightforward earning structure that rewards you each time you use it.
5. Amazon Rewards Visa Signature Card
If you’re not an Amazon Prime member and don’t make enough purchases on Amazon to justify the membership fee, Value Penguin recommends getting an Amazon Rewards Visa Signature Card. This card, which is a simpler version of the Amazon Prime Rewards Visa Signature Card, offers 3% cash back on all Amazon.com purchases, 2% cash back at restaurants, gas stations, and drugstores, and 1% cash back on all other purchases. Upon approval, you’ll receive a $50 Amazon gift card that will automatically load onto your Amazon account.
4. American Express Gold Card
The American Express Gold Card is an excellent choice for those who frequently make high-value purchases on Amazon. Apart from earning 1x Membership Rewards point per dollar spent on Amazon purchases, cardholders can take advantage of an incredibly generous purchase protection policy that provides $10,000 in protection per incident and up to $50,000 in total over one calendar year. If you’re looking to boost your spending returns, using the card to purchase Amazon gift cards in select supermarkets will earn you 4x points per dollar spent, which equates to an impressive 8% return. Moreover, the card offers additional benefits, such as up to $120 in dining credits per year at participating locations and up to $120 in Uber cash credits annually.
3. Discover It Cash Back
Consider the Discover It Cash Back if you’re interested in earning cash back on all your Amazon Prime purchases. The earning rate is based on rotating categories, which means that Amazon may not be available every quarter. However, when it is, you’ll receive 5% cash back on up to $1500 of Amazon purchases made using your Discover It card. Even when Amazon isn’t part of the quarterly cash-back bonus category, you’ll still get 1% cash back on your purchases. Plus, at the end of the first year of card membership, Discover will match your rewards, giving you an added bonus.
2. Chase Freedom Unlimited
According to The Points Guy, if you’re looking for a great return on your spending but aren’t a Prime subscriber, the Chase Freedom Unlimited card is an excellent option. With this card, you can earn 5% back on travel purchased through Chase, 3% cash back on dining and drugstore purchases, and 1.5% cash back on all other purchases. To maximize your rewards, consider pairing the card with a Chase Sapphire Reserve, Chase Sapphire Preferred Card, or Ink Business Preferred Credit Card. By doing so, you can convert your cash back points into transferable Ultimate Rewards points worth 2 cents each. These points can be used for purchases on Amazon.com or for buying gift cards. Additionally, the card comes with purchase protection and extended warranty protection, adding to its value.
1. Amazon Prime Rewards Visa Signature Card
If you’re already an Amazon Prime member, the Amazon Prime Rewards Visa Signature Card is definitely worth considering. Not only is there no annual fee, but you’ll also receive 5% cash back on all purchases made at Amazon or Whole Foods. Plus, you’ll earn 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases. As an added bonus, once your application is approved, a $100 gift card will be automatically loaded onto your Amazon.com account. The card also provides purchase protection and extended warranty protection, as well as all the standard Visa signature benefits.
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