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The best credit cards for Amazon purchases: Avoid missing out on easy rewards

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The best credit cards for Amazon purchases: Avoid missing out on easy rewards

Joseph HostetlerThe best credit cards for Amazon purchases: Avoid missing out on easy rewardsMillion Mile Secrets Team

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Do you shop a lot on Amazon? If you’re not using the best rewards credit card for your purchases at Amazon, you could be missing out on easy cash back or travel rewards. And for certain purchases you can further increases your rewards using an online shopping portal.

Best credit cards for Amazon purchases in 2020

The information for the Chase Amazon Prime Rewards Visa Signature Card has been collected independently by Million Mile Secrets. The card details on this page have not been reviewed or provided by the card issuer.

CardIntro bonus offerBest perkAnnual fee
Capital One® Venture® Rewards Credit Card50,000 bonus miles after you spend $3,000 on purchases within the first three months from account openingUnlimited 2X miles on all purchases$95
Capital One® Spark® Cash for Business$500 cash bonus
when you spend $4,500 in the first three months of account opening.
Unlimited 2% cash back on all eligible purchases$95 annual fee, waived the first year
The Blue Business® Plus Credit Card from American ExpressNo welcome bonus. Terms Apply.2x Amex Membership Rewards points on the first $50,000 in business purchases per year; then 1x point thereafter. Terms Apply.$0 (see rates & fees)
Ink Business Unlimited℠ Credit Card$500 bonus cash back after you spend $3,000 on purchases in the first three months from account opening.Unlimited 1.5% cash back on all qualifying purchases (1.5X Chase Ultimate Rewards points)$0
Chase Amazon Prime Rewards Visa Signature Card$100 Amazon gift card upon approval5% cash back at Amazon and Whole Foods with an eligible Amazon Prime membership (otherwise 3% cash back at Amazon & Whole Foods)$0
If you frequent Amazon, be sure you’re using one of these cards. (Photo by Worawee Meepian/Shutterstock)

Best credit cards for Amazon purchases

Capital One® Venture® Rewards Credit Card

Best for travel rewards

Why this card is great for Amazon purchases

Capital One Venture cardholders earn two Capital One miles per dollar spent on all purchases (including at Amazon). Many readers love the Capital One Venture card because the miles you earn are super easy to use. You can just pay for travel with the card, including airfare, hotel stays, car rentals, Airbnb rentals, and much more. Then, redeem miles to offset the purchase.

Each mile is worth one cent toward travel and there’s no minimum redemption increment when redeeming miles, unless you’re using miles to partially pay for a travel purchase. In that case, the minimum is 2,500 miles ($25). After you use your card to pay for a travel purchase, you have 90 days to erase it using your miles.

And if you want to get more bang for you buck, you can transfer Capital One miles to several airline or hotel travel partners.

Intro bonus

This card has an intro bonus of 50,000 Capital One miles after spending $3,000 on purchases within the first three months. You can learn how to meet the minimum spending here.

And you’ll get no foreign transaction fees and an application fee credit for Global Entry or TSA PreCheck.

Annual fee

The card has a $95 annual fee.

Capital One® Spark® Cash for Business

Best for cash back on business purchases

Why this card is great for Amazon purchases

Capital One Spark Cash cardholders earn unlimited 2% cash back per dollar spent. It doesn’t get any simpler than that. The nice thing about earning cash back is you can put your rewards toward any expense. This is useful because when you’re traveling because there are lots of expenses that don’t qualify as travel. This is a business credit card, so you will need to be able to qualify for business cards in order to open it.

Intro bonus

With the Capital One Spark Cash for Business card, you’ll receive a $500 cash bonus when you spend $4,500 in the first three months of your account opening.

Annual fee

The card has a $95 annual fee that is waived the first year.

The Blue Business®️ Plus Credit Card from American Express

Best for business purchases

Why this card is great for Amazon purchases

The Amex Blue Business Plus has no annual fee (see rates and fees) card earns 2x Amex Membership Rewards points on all purchases, on up to $50,000 spent each calendar year (then 1x).

Amex Membership Rewards points are extremely useful for folks looking to save money on travel. You can transfer points directly to any of Amex’s transfer partners (both airline and hotel) to book award travel. For example, you can transfer Amex Membership Rewards points to Delta, JetBlue, and others to book award flights.

It’s handy to be able to transfer Amex Membership Rewards points to JetBlue because the airline has no blackout dates. So it’s really simple to save money on flights when you’re flying to destinations like New York or Orlando.

Intro bonus

No welcome bonus.

Annual fee

This card has no annual fee.

Ink Business Unlimited℠ Credit Card

Best for cash bonus

Why this card is great for Amazon purchases

Purchases made with the Ink Business Unlimited card earn 1.5% cash back (1.5x Chase Ultimate Rewards points) on every purchase. That’s great in and of itself, but it gets even better if you can pair this card with other Chase Ultimate Rewards credit cards.

For example, when you can pool the points earned with your Ink Business Unlimited card onto the Chase Sapphire Reserve® card and then your Chase Ultimate Rewards points are worth 1.5 cents each toward travel booked through the Chase Travel Portal.

That means you’d essentially be earning 2.25% back in travel rewards on every purchase with the Ink Business Unlimited.

Intro bonus

With the Chase Ink Business Unlimited card, you’ll earn a $500 bonus (50,000 Chase Ultimate Rewards points) after spending $3,000 on purchases within the first three months of account opening.

Annual fee

The card has no annual fee.

Chase Amazon Prime Rewards Visa Signature Card

Best for cash back 

The no-annual-fee Chase Amazon Prime card earns 3% cash back on every purchase you make on Amazon and at Whole Foods. And if you have an Amazon Prime membership, you’ll earn 5% cash back. You’ll also earn 2% back at restaurants, gas stations and drugstores and 1% back everywhere else.

If you’re a big Amazon and Whole Foods shopper, the cash back can really add up.

Now that Amazon owns Whole Foods, Chase Amazon Prime cardholders who are Amazon Prime members can earn 5% cash back at the supermarket chain. (Photo by NYCStock/Shutterstock)

Intro bonus

When you apply for this card, you’ll get a $100 Amazon gift card upon approval (no minimum spending requirement). Plus, this card has no foreign transaction fees. So you can earn bonus cash back while dining overseas.

Annual fee

None.

Bottom line

When you shop at Amazon, consider these cards to earn rewards for your spending:

Which card do you use for Amazon shopping?

For the latest tips and tricks on traveling big without spending a fortune, please subscribe to the Million Mile Secrets daily email newsletter.

For rates and fees of the Blue Business Plus Card, please click here.

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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DO NOT GET a Synchrony Amazon Store Card! They charged me twice as much one time and then there are some hidden fees like I notice 1.50 USD charges after I pay every time. They’re APR isn’t that low either. When you miss once, they’ll charge you 200%

I use my Chase Ink Business Cash card at Office Supply stores (Office Depot) to by $500 Amazon gift cards and deposit them into my Amazon Account. I get 5 points per dollar and then I transfer the points from that account to my Chase Sapphire making each point worth 1.25 points. BONUS!

Everybody has their favorite way to shop Amazon and get great travel rewards. I like to use my Chase Business Ink Cash to buy Amazon gift cards at Office Max and do all my Amazon shopping with those gift cards. I earn 5X Ultimate Rewards points which I transfer to my Chase Sapphire Reserve UL account for the great options of Southwest with double value with my companion pass, United, Hyatt, or the Chase travel portal.

“Best Amazon Credit Card for Cash Back Rewards on Business Purchases” should definitely be the Amazon Business Prime Card. No annual fee and 5% back destroys Capital One Spark Cash for Business.

Would you use a chase freedom card with 1.5 on every purchase that you can transfer to chase reserve for travel or a chase amazon card with prime? Is that a no-brained to use the latter?

Simply put, the Chase Amazon rewards card beats all others (whether or not you are a Prime customer).

Even if you have the Chase Sapphire Reserve (which doubles your Ultimate Rewards), the most you would get out of Chase Freedom is 1.5% x 1.5 = 2.25%

While Chase Amazon rewards gets you 3% (without Prime) or 5% (with Prime).

The only time of the year when you should use Chase Freedom on Amazon.com is in Q4 when it’s a 5% bonus category (usually). Then you end up with 5% x 1.5 = 7.5% back.

Hi Debanjan – good points, but consider it’s sometimes possible to get much more than 2.25 cents per point worth of value when you transfer Chase Ultimate Rewards points directly to travel partners.

For example, I’ve transferred Chase Ultimate Rewards points to United Airlines for Business Class award flights and to Hyatt for free Hyatt hotel nights. These types of redemptions got me significantly more value than 5% cash back rewards.

Correction: CSR gives you 50% more points, not double

Also my first Chase Freedom reference was for the Freedom Unlimited. Second was the regular one.

It definitely depends on your travel goals. Personally, I use the 2 card Chase combination you described. But if you prefer to earn straightforward cash back, then the Chase Amazon card is a great choice!

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