Best Credit Cards For Amazon Of 2025

Whether you’re an all-time Amazon power shopper or just looking to lock in a few Prime Day deals, paying with the right card can stretch your budget farther.

To find the best credit cards for Amazon purchases, we examined dozens of options, considering factors like annual fees, bonus rewards for Amazon purchases, exclusive perks for Prime members and additional benefits like purchase protection. We also reviewed welcome bonuses and introductory financing offers that line up with Prime Day or other major sales. While the exact card you choose should be as individualized as your wishlist, these top choices are perfect for the next time you check out at Amazon.com.

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Best Credit Cards for Amazon

Limited-Time Offer: Get a $250 Amazon Gift Card instantly upon approval exclusively for Prime members through 7/14
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

More About Best Credit Cards for Amazon

Prime Visa: Best Credit Card for Amazon Prime Members

If you’re gearing up for Prime Day, you likely already have an Amazon Prime membership. Adding the Prime Visa is an easy way to help you save even more. The card earns a generous 5% back on purchases at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants and on local transit and commuting (including rideshare), and unlimited 1% back on other purchases.

You can use those big earnings to pay for all or part of your Amazon purchases, redeem as a statement credit or use them to purchase gift cards or travel. Typically, the smartest money move is to redeem rewards as cash back rather than toward your next purchase—that way, you’ll still earn the rewards on the spending and you can use the cash back to pay your bill.

A unique card feature is the option to forego rewards and instead take advantage of promotional APR offers at Amazon and eligible retailers, starting at purchases of $50. This can be helpful when you have a big buy and want extra time to pay it off.

For a no-annual-fee card, it’s chock-full of extras, too (although you need a Prime membership to be eligible). There are no foreign transaction fees, and the card comes with auto rental coverage, lost/delayed baggage protection, travel assistance, extended warranty and purchase protection.

Amazon Visa Credit Card*: Best Credit Card for Amazon Purchases for Non-Prime Members

If you’re seeking above-average rewards on Amazon spending without holding a Prime membership, the Amazon Visa Credit Card* delivers. Amazon, Amazon Fresh and Whole Foods purchases earn an unlimited 3%. The card has no annual fee, no Amazon Prime membership fee and includes a few helpful travel and purchase protections.

Note that if you spend more than $6,950 a year at Amazon and/or Whole Foods, you’ll be better off paying for a Prime Membership and applying for the Prime Visa card instead. The extra rewards, plus eligibility for Prime Day deals, can make it worth the cost of the Prime membership fee.

Wells Fargo Active Cash® Card: Best Flat-Rate Card for Amazon and Beyond

If the desire for simplicity is what led you to Amazon in the first place, the Wells Fargo Active Cash® Card (rates & fees) may be a perfect pairing. Everything you buy, from Amazon or elsewhere, earns the same simple 2% cash rewards on purchases.

There’s no annual fee to eat into the value of your rewards, and the card also offers a helpful 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers, then a 19.24%, 24.24%, or 29.24% variable APR applies. Balance transfers made within 120 days qualify for the intro rate and fee of 3% (min. $5) then a fee of up to 5% (min. $5) applies.

In addition to these perks, you’ll get up to $600 of cellphone protection against damage or theft (subject to a $25 deductible) and a few other protections, including an auto rental collision damage waiver (secondary coverage in the U.S., primary outside of the U.S.) and travel and emergency assistance services.

Hilton Honors American Express Surpass® Card: Best Hotel Card for Amazon and Other Online Shopping

Hilton loyalists looking to beef up their balance and potentially score a free night each year will find huge value in using the Hilton Honors American Express Surpass® Card (Terms apply, see rates & fees) for their Amazon and Whole Foods purchases. This card is one of a handful that earns bonus points for online shopping at a rate of 4X Hilton Honors points per dollar for U.S. online retail purchases. The card’s rewards in other areas are impressive, too, particularly within the Hilton brand, earning 12 Hilton Honors bonus points per dollar on eligible purchases at participating hotels or resorts within the Hilton portfolio, 6 points on eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations, 4 points on eligible U.S. online retail purchases and 3 points for other eligible purchases.

For a relatively modest $0 intro annual fee for the first year, then $150, the card comes with up to $200 in annual Hilton credit, split into four $50 credits for each quarter of the year. The credits won’t stack if you don’t use them, though, so you’ll need to space out your Hilton stays to get full value out of the benefit.

Other valuable perks include Hilton Honors™ Gold status, which comes with a daily food and beverage credit at eligible Hilton properties. Big spenders can also earn a Free Night Reward good at any eligible Hilton hotel worldwide after putting at least $15,000 on the card in eligible purchases in a calendar year.

U.S. Bank Shopper Cash Rewards® Visa Signature® Card*: Best Cash-Back Card for Amazon and Other Favorite Retailers

The U.S. Bank Shopper Cash Rewards® Visa Signature® Card* earns 6% cash back each quarter on combined eligible purchases from two retailers of choice ($1,500 limit), 5.5% cash back on prepaid car and hotel reservations booked through the Rewards Travel Center, 3% cash back each quarter in one everyday category of choice ($1,500 limit) and 1.5% cash back on everything else. Amazon.com is one of the eligible retailers, so you could select Amazon as one of your 6% earning categories this quarter in time for Prime Day or stick with it all year if that’s more your speed.

If you’re looking for the strongest cash-back earning potential on your Amazon spending, and you don’t typically spend more than $1,500 a quarter with the online retail giant, this card is hard to beat. It offers a $0 intro annual fee for the first year, then $95. The intro annual fee offer makes it easy to test-drive the Shopper Cash Rewards risk-free, but be aware that the card’s annual cost will eat into your earnings in year two and beyond.

Like most U.S. Bank-issued cards, you can enroll in Real-Time Rewards. After enrollment, you’ll receive a text message after you make a purchase that gives you the option to redeem rewards to reimburse yourself.

Bank of America® Unlimited Cash Rewards credit card for Students: Best Amazon Card for Students

Amazon can be a lifeline for students without the time or transportation to shop in person. Luckily, with the Bank of America® Unlimited Cash Rewards credit card for Students, there’s solid cash back on every purchase. The no-annual-fee card offers a simple rewards rate of 2% cash back on purchases for the first year from account opening, unlimited 1.5% on all purchases thereafter.

The rewards are easy to use, too, and can be redeemed in any amount, at any time as a statement credit or as a deposit to an eligible Bank of America account. Plus, the Bank of America® Unlimited Cash Rewards credit card for Students has an intro APR offer that can be helpful for financing big-ticket purchases from Amazon or any other retailer: get a 0% intro APR for 15 billing cycles for purchases and balance transfers made in the first 60 days, 18.24% to 28.24% variable APR thereafter. A 3% balance transfer fee applies for the first 60 days, then 4%.

Amazon Business Prime American Express Card*: Best Amazon Credit Card for Business Owners

If your business can satisfy all or most of its spending needs within the Amazon ecosystem and you have an existing Prime membership, the Amazon Business Prime American Express Card* is a wise choice. You’ll receive impressive rewards on your Amazon purchases and elsewhere, earning 5% back in rewards or 90 day terms on eligible U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods on the first $120,000 spent in a calendar year with an eligible Prime membership, 1% thereafter. Earn 2% at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers and 1% on other purchases.

Owners of smaller businesses who don’t spend over the $120,000 bonus cap can earn impressive cash back with no extra fees. Employee cards can be added at no additional cost, and there are embedded discounts for business owners through Amazon. The card comes with several compelling features, including the ability to take a pass on earning rewards for eligible purchases and choosing extended 90-day terms to pay for the purchase instead.

Although the card has no annual fee, an Amazon Prime membership is required. Single-user Business Prime memberships can be opened at no cost above your personal Prime membership fee. Companies with more users will need to pay for a Business Prime account.

Find The Best Credit Cards For 2025

No single credit card is the best option for every family, every purchase or every budget. We’ve picked the best credit cards in a way designed to be the most helpful to the widest variety of readers.

Amazon Credit Card Benefits

Your goal in choosing an Amazon credit card is to find the option that offers the best combination of rewards and other perks for your particular circumstances, such as:

  • High rewards rate on Amazon purchases
  • Options to redeem rewards toward Amazon expenses
  • Shopping perks like purchase protection, return protection and extended warranties
  • Low APR on new purchases

What Credit Score Do You Need for an Amazon Credit Card?

A good or excellent credit score is recommended for the Prime Visa, which Amazon suggests is a score of 680 or above. As with all credit cards, other factors may impact your eligibility for the card.

Additionally, the minimum credit score and other required factors may vary if you are considering a different card from this list. If you have a lower credit score and are still interested in an Amazon credit card, consider the Prime Store Card*, Amazon Prime Secured Card* or even the Citi Double Cash® Card.

How To Increase Your Credit Card Limit for Amazon Purchases

If you’re interested in a credit line increase on your card, you can contact your card issuer at the toll-free phone number printed on the back of the card or log in to your account to request a limit increase electronically. Occasionally, a representative may need to verify your up-to-date financial information, including current income, assets, debts or other factors to process your request.

Although requesting a credit line increase is easy, making yourself a strong candidate for this offer can be more involved. Learn more about how to increase your credit limit before reaching out to your issuer.

How Do I Maximize Amazon Rewards for Prime Day?

The only thing better than earning rewards is using them. Depending on which card you’re using for your Amazon shopping, you may have multiple ways to redeem your rewards. In general, you should aim to redeem your rewards for at least a penny per point.

Options typically worth this much include redeeming for a statement credit or using your rewards to pay for an Amazon purchase at checkout. Note that if you use Amazon rewards at checkout, you miss out on the rewards you could’ve earned by paying with an Amazon co-branded card and redeeming points later as a statement credit.

Earn a Welcome Bonus

If the card you chose for Amazon spending comes with a welcome bonus for meeting a minimum spending requirement, it can be a worthwhile goal to attain. A welcome bonus on a card typically snags you a pile of points or cash for spending the way you usually do.

The clock starts ticking the day you’re approved for the card, not the day you receive your physical card in the mail. So keep track of the dates and your spending to ensure you don’t miss out.

Add Your Credit Card to Amazon

Amazon allows you to keep a default credit card on file. If you get a new card for Amazon spending, designate it as your default payment method to ensure you use the best card for future purchases.

Consider Card Pairings

If you have a card that caps the number of elevated rewards you can earn at Amazon or only offers elevated rewards in a bonus quarter, consider pairing it with another card that offers solid rewards on all purchases.

For example, say you own a rotating cash-back category card, and Amazon is a bonus category that quarter. After you hit the quarterly cap, any other spending at Amazon only earns 1% cash back. But if you use a 2% cash-back credit card afterward, you could double your earnings after reaching your limit.

Does Amazon.com Give 5% Cash Back?

Just shopping at Amazon.com will not automatically snag you 5% cash back on your purchases. The most straightforward way to earn 5% back when shopping with Amazon is to use a credit card that offers 5% back. Here are two options:

  • Prime Visa: Earn 5% back on purchases at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants and on local transit and commuting (including rideshare), and unlimited 1% back on other purchases.
  • Chase Freedom Flex®*: Earn 5% cash back on up to $1,500 in combined purchases in categories that rotate quarterly (requires activation), 5% cash back on travel purchased through Chase Travel℠, 3% cash back on dining and drugstores and 1% cash back on all other purchases (Amazon is a possible quarterly bonus category).

How Can I Get Free Cash Back?

Using any cash-back card to shop on Amazon will result in cash back on purchases you already make. That’s effectively free cash back.

Some cards earn greater rewards than others. Currently, the card that earns the highest cash back when shopping at Amazon is the U.S. Bank Shopper Cash Rewards® Visa Signature® Card*. It earns 6% on up to $1,500 in purchases per quarter when you activate and select Amazon as a preferred retailer.

The Prime Visa offers a slightly lower 5% at Amazon but without any caps. That could make it a more valuable choice for big spenders.

Are Amazon Credit Cards Worth It?

If you do most or all of your shopping through Amazon and its family of businesses, then an Amazon credit card could make a lot of sense for you. However, many other credit cards also offer great rewards and could be a better fit for someone who only occasionally shops with Amazon. There’s a lot to consider when determining if Amazon credit cards are worth it. Our expert analysis should help spell out each card’s main characteristics to help you decide.

Find The Best Cash Back Credit Cards Of 2025

Bottom Line

To get the most value from your Amazon purchases, you’ll want a card that offers higher-than-average rewards on Amazon spending. That doesn’t automatically mean an Amazon-branded card is best for you. After evaluating your everyday purchases, you’ll want to pick the card that best matches your overall spending.

To view rates and fees for Hilton Honors American Express Surpass® Card please visit this page.

Frequently Asked Questions (FAQs)

Which Amazon credit card is the best?

The Prime Visa will be the best fit for most Prime members who do a lot of shopping with Amazon. Beyond the excellent rewards, the card offers travel and dining perks that make it useful between Amazon orders.

Are Amazon credit cards good anywhere?

Most Amazon cards can be used anywhere since they are backed by the Visa, Mastercard, American Express or Discover network (depending on the card). However, the Amazon Prime Secured Card* and the Amazon Store Card* can only be used at Amazon.com and Amazon physical stores.

How long does it take to get approved for an Amazon credit card?

Many credit cards, including Amazon cards, offer near-instant approval. According to the Amazon.com card page, you’ll get your decision in a matter of seconds after you apply online.

 In some cases, card issuers may request additional information about your finances or need to verify some of the details you provided, which may slow down your approval. Credit card reconsideration calls can get the right information to the right people and can help speed up decision-making.

How do I find my Amazon credit card number?

Your full credit card number can be found on the front or back of your physical card. For security reasons, most card issuers no longer print your full account number on monthly statements. If you’ve lost your card or don’t have your full credit card number, log in to your account or call your card issuer for assistance.

How do you remove a credit card from your Amazon account?

Log in to your Amazon account to remove a credit card as a payment method. Then, navigate to “Your Account” and select “Your Payments.” To edit or remove a payment method, choose the credit card you’d like to remove, click “Edit” and then click the red “Remove from wallet” link in the pop-up window.

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