Best Amazon Credit Cards

Key Takeaways:

Amazon.com’s vast product selection and convenient shopping experience make its credit cards a valuable asset for frequent shoppers.
Different Amazon credit cards cater to various needs, including Prime-centric rewards, businesses, those building credit, and casual shoppers.
Choosing the right Amazon credit card depends on factors like- shopping habits, Prime membership, and business ownership.

Who doesn’t love shopping on Amazon, with access to millions of products at their fingertips!

Amazon’s dominance in American shopping culture is undeniable, with all sorts of retail goods flowing through its virtual aisles.

If you often shop at Amazon.com, Whole Foods, or utilize AWS cloud services, you should consider using the best Amazon credit cards.

After all, they promise maximum rewards not only on Amazon-centric purchases but also across various other spending categories.

Amazon’s credit card selection is a beacon of versatility, from Prime-centric to inclusive of all shoppers and for credit-building to businesses;

Amazon leaves no stone unturned. Using a credit card for Amazon purchases can take your shopping experience to new heights.

What are Amazon Credit Cards?

Amazon Credit Cards are valuable financial tools offered by Amazon in partnership with major banks, including Chase and American Express, offering exceptional rewards and perks tailored for Amazon shoppers.

A few of them include:

Prime Visa with 5% cashback on Amazon, Amazon Fresh, and Whole Foods purchases for Prime members
Amazon Rewards Visa Signature Card from Chase, providing 3% back on Amazon.com, Amazon Fresh, and Whole Foods purchases

Apart from Visa cards, accepted everywhere, Amazon also offers Store Credit Cards, granting special financing options for Amazon purchases with no annual fees.

What is an Amazon Prime Store Card?

It is one of the two best credit cards for Amazon purchases for Prime members. The Amazon Prime Store Credit Card offers exclusive 0% APR financing options and occasional promotional financing offers for purchases made on Amazon.com.

This Amazon Prime card also provides 5% cash back on all your Amazon purchases. With no annual fees, this is best for frequent Amazon shoppers who appreciate the flexibility of budget-friendly payment plans.

Issued by Synchrony Bank, the Amazon Prime Store Card can be worth it for those who want to manage their Amazon purchases with more affordability over time.

Exclusive to Amazon’s ecosystem, including Amazon.com, Amazon Business, AWS, and Whole Foods, it requires a Prime membership priced at $14.99 each month or $149 per year.

Types of Amazon Credit Cards

Amazon offers a range of credit cards tailored to meet different preferences and spending habits of individuals.

They provide excellent rewards, perks, financing options, and business-specific features.

Whether you frequently shop at Amazon, are a small business owner, or someone looking for everyday rewards, Amazon has a credit card to suit your lifestyle! There are primarily three types of credit cards for Amazon shopping.

Amazon Visa Cards
Amazon Visa Credit Cards provide cash back rewards tailored to Amazon.com, Whole Foods, and beyond. Along with other benefits like purchase coverage and travel perks, these cards are accepted globally and versatile for everyday use.

If you have an Amazon Prime membership, opt for the Prime Visa. And non-Prime members can use the Amazon Rewards Visa Signature Card for earning excellent rewards.
Amazon Store Cards
The Amazon Store Credit Card is exclusively designed for Amazon purchases.

It provides flexible financing options with no interest and great promotional offers every now and then without any annual fees.

These store cards facilitate convenient and budget-friendly shopping on Amazon.com and select physical stores.

Amazon Prime members enjoy exclusive cash back rewards and excellent prime benefits as well.
Amazon Business Credit Cards
Amazon Business Cards cater to the needs of small business owners by providing tailored rewards for their Amazon business purchases.

These no annual fee Amazon cards streamline business expenses with features like employee cards, customizable spending limits, and helpful expense management tools.

If you are a Prime member, apply for the Amazon Business Prime American Express Card. Those without a Prime membership, the Amazon Business American Express Card is the perfect choice for you.

Amazon Business Credit Cards

Amazon Credit Cards for business owners and entrepreneurs help streamline the purchasing process for businesses and boost rewards on their Amazon purchases.

Below are two cards that provide unique benefits and rewards designed to meet the needs of both Prime and non-Prime members.

Amazon Business Prime American Express Card
Exclusively for Prime members, the Amazon Business Prime American Express Card offers exceptional rewards and perks with no annual fees. bonus_miles_full

And earn 5% cashback or 90-day payment terms on eligible purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market.

This Amazon business credit card also provides 2% back at restaurants, U.S. gas stations, and wireless phone services. Cardholders enjoy no foreign transaction fees, purchase protection, a baggage insurance plan, and an extended warranty.

It even has valuable expense management tools for prime members, offering unparalleled value and convenience for their business needs.
Amazon Business American Express Card
The Amazon Business American Express Card provides great rewards and perks tailored to the business spending of non-Primer members.

With no annual fee, cardholders earn a $100 Amazon gift card upon approval and 3% cashback or 60-day payment terms on eligible purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market.

You get 2% back at restaurants, gas stations, and wireless phone services as well. It also provides other benefits like purchase coverage, employee cards at no additional cost, no foreign transaction fees, and expense management tools.

This is the best business credit card for Amazon purchases if you don’t have a Prime membership.

Credit card	Uthrive rating	Intro offer	Rewards rate	Annual fee	Learn more
card_name card_name Terms Apply	Rating 4.2/5 No annual fee 5% cash back card for Amazon	Intro Offer bonus_miles_full	Reward Rates 1% - 5% Cash Back	Annual Fees annual_fees	View how to apply
card_name card_name Terms Apply	Rating 4.1/5 No annual fee 3% cash back card for Amazon	Intro Offer bonus_miles_full	Reward Rates 1% - 3% Cash Back	Annual Fees annual_fees	View how to apply

Amazon Credit Card Benefits

The best credit cards for Amazon offer many benefits catering to both Prime and non-Prime members.

They effortlessly enhance the shopping experience and provide value beyond just rewards.

No matter how often you buy from Amazon, the Amazon credit cards come packed with valuable perks to elevate your shopping journey.

You can earn excellent cash back or reward points on your Amazon purchases every day with no limits!
They give you access to exclusive discounts and deals during Prime Day and other promotions.
Cardholders enjoy special financing options for large purchases with a 0% APR offer and a flexible monthly payment plan.
Additional perks include purchase protection and extended warranty for all your eligible Amazon shopping.
It even offers travel perks like Travel Insurance benefits for unexpected events, no foreign transaction fees for international purchases, and a Global Assist Hotline for any credit card-related or other queries.

In addition to its renowned shopping benefits, these Amazon cards offer access to one of the best streaming services available: Amazon Prime Video membership.

With Prime Video, cardholders enjoy a vast library of movies, TV shows, original content, and endless entertainment on demand.

Whether you want to watch blockbuster movies, award-winning series, or relax at home with quality & fun content, Prime Video offers something for everyone, adding significant value to the overall perks of Amazon credit cards!

Pros & Cons of Amazon Credit Cards

Each credit card has its own unique advantages and potential drawbacks. You must weigh them to make an informed decision on what aligns best with your needs and interests.

Pros

You can earn generous rewards and cashback on Amazon purchases and more.
Enjoy access to exclusive deals and discounts, especially for Amazon Prime members.
It offers special 0% APR financing options, granting flexibility for larger purchases.

Cons

Amazon credit cards typically only provide rewards for Amazon-specific purchases, offering limited usability outside of the Amazon ecosystem.
These cards have a high APR, adversely affecting the credit score of those carrying a balance.

How to apply for Amazon Credit Card?

Applying for an Amazon credit card is an easy and quick process, which can be completed in just a few simple steps online.

Sign Up or Sign In
Log into your Amazon account or create one if you don’t have it. This account will be linked to your Amazon credit card.
Select the Card
Choose the card you wish to apply for under the Credit Card Marketplace on Amazon’s website or go directly to the page of the desired card.
Apply
Click on Apply now, which redirects you to the bank’s website, including Chase or Amex if you are applying for a Rewards Visa or Business Credit Card.
Complete the Application
Fill out the application with accurate personal details, including name, address, social security number, and financial information.
Review and Confirm
Submit the application after reading the terms and conditions. Await approval notification that usually arrives within seconds, and the actual card comes in 7-10 business days if approved.

What credit score do you need for an Amazon Credit Card?

The credit score required for successful approval of an Amazon credit card typically varies depending on the specific card you’re applying for.

For the Amazon Prime Visa Card, you need a good to excellent credit score of 670 or higher.

But if you want an Amazon Store Card, which is often easier to qualify for, a fair credit score, typically around 580 or higher, may be sufficient.

Apart from the credit score, other factors also come into play, such as your income and credit history.

How to increase credit card limit for Amazon purchases?

To increase your Amazon Credit Card credit limit, simply call your card issuer via the toll-free number available at the back of your card or access your account online to request a credit limit increase.

It is a straightforward process, but you may need to provide your financial details, like income, assets, and debts.

Make sure to use your credit card responsibly with timely payments to enhance your chances of approval.

Stay updated about pre-approved increase offers from Chase, which could arrive via mail, email, or within your account.

An increased credit limit can enhance your purchasing power on Amazon, allowing you to make larger transactions while taking advantage of rewards and benefits offered by your card.

Remember that requesting a credit limit increase triggers an inquiry, potentially lowering your credit score temporarily.

How do I delete a credit card on Amazon?

The process to remove a card from Amazon is pretty simple and straightforward. To delete a credit card from your Amazon account, follow these steps:

Log In
Simply, sign in to your account using your credentials through Amazon.com or the Amazon mobile app.
Access Your Account
Click on Your Account to access your account settings.
Payment Method
Go to the Payment options and click on the payment method i.e. the credit card you wish to delete.
Delete and Confirm
Once selected, click on Delete and confirm by clicking on Confirm Delete.

How do I maximize Amazon Rewards?

Are you looking to make the most of your Amazon rewards? No matter how much you shop at Amazon, unlocking the full potential of your rewards program can lead to substantial savings.

There are several smart ways to enhance your rewards and get more value out of your purchases. You can significantly boost your Amazon rewards and savings with the following strategies:

Choose the Right Card
Pick a credit card offering maximum rewards for Amazon purchases. Ensure it meets your preferences and financial goals.

Opt for the Prime Visa for 5% cashback on Amazon and Whole Foods purchases, a $100 Amazon Gift Card on approval, and various other rewards and perks.

If you often shop at Amazon stores, get Amazon Prime Membership and opt for the Amazon Prime Store Card with 5% back on Amazon.com purchases and more.
Add your Card to Amazon
Select your Amazon rewards credit card as the default payment method on your Amazon account, ensuring you earn rewards for all your Amazon purchases.
Use Shopping Portals
You can earn more cash back on Amazon purchases by using shopping portals like BeFrugal or TopCashBack.

When you stack your savings with these portals and an Amazon cashback credit card, you can potentially earn up to 13% cashback.
Shop Amazon Warehouse Deals
Explore discounted deals, like new or preowned items on Amazon Warehouse.

It provides significant savings on your Amazon shopping when purchased using your cashback credit card.
Leverage Amazon Savings Tools
Take advantage of features like Today’s Deals, Subscribe and Save, Amazon coupons, etc.

These deals help you maximize savings, combined with cash back earnings.
Utilize Free Shipping Benefits
It might not be a direct reward in your pocket, but with an Amazon Prime membership, you can enjoy free two-day shipping on qualifying items.

This helps you keep your expenses down and maximize the value of your membership. Explore options for free same-day shipping to further enhance your shopping experience.
Take Advantage of Prime Day
Make the most of Amazon Prime Day and other exclusive events like Big Deal Days, Black Friday Sale, and Cyber Monday Deals by leveraging your cash back credit card to maximize your savings.

Look out for exclusive promotions and invite-only discounts during this four-day event to boost your rewards and enjoy slashed prices across various categories.

Does Amazon.com give 5% cashback?

Yes, you can easily earn 5% cash back on purchases made with certain credit cards, such as the Amazon Prime Rewards Visa Signature Card. This Amazon Prime card, issued by Chase, allows cardholders to earn 5% cash back on purchases made at Amazon, Whole Foods Market, and more.

Additionally, the Amazon Prime Store Card also offers 5% cash back on Amazon.com purchases. These cashback rewards accumulate over time and are redeemable for statement credits, gift cards, or future purchases on Amazon.com.

The Chase Freedom Flex Credit Card is another great option to effortlessly earn 5% cashback. With Amazon as a quarterly bonus category, you can earn 5% cash back on up to $1,500 in rotating quarterly categories, coupled with other cashback rewards and perks.

How can I get free cashback on Amazon?

Consider using credit cards that offer cash back rewards to get free cashback on your Amazon purchases. Choose a card providing an elevated cashback rate, specifically for your Amazon shopping. Those with Amazon Prime membership receive additional perks and better rewards.

Using Amazon credit cards with no annual fees, like Amazon Prime Rewards Visa Signature Card and Amazon Prime Store Card with 5% cashback on Amazon purchases.

Non-Prime members can utilize Amazon Rewards Visa Card with 3% cashback on Amazon.com, and Amazon Store Card. These four Amazon cards help you earn cash back rewards without any additional cost, effectively getting free cashback on your purchases.

Are Amazon Credit Cards Worth It?

Amazon credit cards can be beneficial for those who often shop from Amazon and Prime members. They provide cashback rewards or points on Amazon purchases that add up to significant savings over time.

Further, some Amazon cards come with perks, like sign-up bonuses/gift cards, no foreign transaction fees, travel insurance benefits, purchase coverage, exclusive financing options, and additional benefits for Prime members.

You must consider factors such as annual fees of the card, interest rates after intro APR period, reward structure, and additional benefits to make sure your spending habits and lifestyle align with them before making a final decision.

If Amazon.com is your primary shopping destination, an Amazon credit card could be a wise choice for you! However, individuals who don’t often shop at Amazon can consider other cards with competitive rewards in various categories.

Determining whether Amazon credit cards are worth it depends on various factors. Having a Prime membership or owning a business play significant roles, as business owners reliant on Amazon may find value in the Amazon Business Prime American Express Card.

The Prime Visa is ideal for Prime members due to its robust rewards, offsetting the Prime membership fee. Casual shoppers might benefit from the non-Prime Amazon Rewards Visa Signature Card or a flat-rate card like the Citi Double Cash^® Card.

FAQs

What are the best Amazon credit cards for cash back?

The best Amazon credit cards for cash back are the Prime Visa and Amazon Rewards Visa Signature Card, offering 5% and 3% cash back on Amazon purchases and beyond, respectively.

Which Amazon credit card is best?

The best Amazon credit card for an individual depends on their spending patterns and preferences.

For frequent Amazon shoppers and Prime Members, the Prime Visa offers a significant 5% back and various benefits.

What card do I use to pay for Amazon Prime?

You can use any credit card, such as the Prime Visa, Blue Cash Preferred® Card from American Express, or Chase Freedom Flex℠, to pay for Amazon Prime membership.

These credit cards like many others offer enticing rewards on purchase of streaming services like Amazon Prime.

Is Amazon Prime free with credit cards?

No, Amazon Prime membership is not free with credit cards, but a few Amazon credit cards offer perks like Amazon gift card upon approval and cash back or rewards points that can offset the cost of Prime membership.

Are Amazon credit cards good anywhere?

Amazon-specific credit cards like their store card and secured card are only accepted within the Amazon ecosystem, including Amazon.com, Amazon Business, AWS, and Whole Foods, limiting the usability.

But Chase or American Express issued Amazon cards, such as the Prime Visa and Amazon Business American Express Card, are accepted anywhere.

How long does it take to get approved for an Amazon Credit Card?

Generally, you can get approved for an Amazon Credit Card within a few minutes, but in some cases, it may take a few days for the application to be processed and approved.

Does the Amazon Rewards Visa Signature Card have no foreign transaction fee?

Yes, the Amazon Rewards Visa Signature Card by Chase does not charge foreign transaction fees, making it a convenient choice for international purchases.

Can I get approved for an Amazon credit card with bad credit?

Yes, you can most certainly get approval for an Amazon credit card with bad credit, but your options may be limited.

Individuals with bad credit can opt for the Amazon Secured Card or Amazon Prime Secured Credit card issued by Synchrony Bank, which requires a security deposit and helps you rebuild your credit over time.

Is there an Amazon student credit card?

Currently, there is no specific Amazon student credit card in the market, but even students are eligible to apply for other Amazon credit cards, such as the Prime Visa or Amazon.com Store Card, provided they meet the eligibility criteria.

How do I find my Amazon credit card number?

Follow these steps to find your Amazon credit card number:

Simply log in to your Amazon account and go to the Your Account page.
Then, click Manage your Payments and scroll down to the Amazon Credit Card section.
Now, click on View Credit Card Number to access it.

You can also directly contact Amazon customer service via phone or live chat. They will help you in finding your credit card number when you give them your account information.

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

To remove a credit card from your Amazon account, follow these steps:

Go to Your Account
Select Payment options
Click on the credit card you want to remove and select Delete to remove the card from your account.