The best credit cards for Amazon purchases: Avoid missing out on easy rewards
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Do you shop a lot on Amazon? If you’re not using one of the best rewards credit cards for your purchases at Amazon, you could be missing out on easy cash back or travel rewards. And for certain purchases, you can further increase your rewards using an online shopping portal.
Best credit cards for Amazon purchases in 2020
- Capital One Venture Rewards Credit Card: Best for easy to use travel rewards
- Chase Freedom Unlimited®: Best for earning Chase Ultimate Rewards
- Ink Business Unlimited® Credit Card: Best for cash bonus
- The Blue Business® Plus Credit Card from American Express: Best for business purchases
- Chase Amazon Prime Rewards Visa Signature Card: Best for cash back
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.
| Card | Intro bonus offer | Best perk | Annual fee |
| Capital One Venture Rewards Credit Card | 60,000 bonus miles after you spend $3,000 on purchases within the first three months of account opening. | Unlimited 2X miles on purchases | $95 |
| Chase Freedom Unlimited® | Earn a $200 cash bonus after spending $500 in the first three months from account opening. | Unlimited 1.5% cash back on all qualifying purchases (1.5X Chase Ultimate Rewards points) | $0 |
| The Blue Business® Plus Credit Card from American Express | Earn 15,000 bonus points after spending $3,000 in eligible purchases within the first three months of card membership. Terms Apply. | 2x Amex Membership Rewards points on the first $50,000 in business purchases per calendar year; then 1x point thereafter. Terms Apply. | $0 (see rates & fees) |
| Ink Business Unlimited® Credit Card | $750 bonus cash back after you spend $7,500 on purchases in the first 3 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 approval | 5% cash back at Amazon and Whole Foods with an eligible Amazon Prime membership (otherwise 3% cash back at Amazon & Whole Foods) | $0 |
Top credit cards for Amazon purchases
Capital One Venture Rewards Credit Card
Best for easy to use 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 your buck, you can transfer Capital One miles to several airline or hotel travel partners.
Intro bonus
This card is currently offering 60,000 bonus miles after you spend $3,000 on purchases within the first three months of account opening. 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 (up to $100).
Annual fee
The card has a $95 annual fee.
Chase Freedom Unlimited®
Best for earning Chase Ultimate Rewards points
Why this card is great for Amazon purchases
The reason the Freedom Unlimited is so great for Amazon purchases is that regardless of what you buy, you’ll earn 1.5% (1.5 Ultimate Rewards points) per $1 spent.
In addition, you can combine the points you earn with other eligible Chase cards to then save money on travel.
For example, if you have 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’re essentially earning 2.25% back in travel rewards on every Amazon purchase with the Freedom Unlimited. And you don’t even have to worry about bonus categories!
Intro bonus
You can earn a $200 bonus after you spend $500 on purchases in the first three months from opening a Chase Freedom Unlimited card.
Annual fee
The Chase Freedom Unlimited 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 $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.
Annual fee
The card has no annual fee.
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 Card has no annual fee (see rates and fees) and a welcome bonus of 15,000 bonus points after spending $3,000 in eligible purchases within the first three months of card membership. The card also 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
Earn 15,000 bonus points after spending $3,000 in eligible purchases within the first three months of card membership
Annual fee
This card has no annual fee. (see rates and fees)
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.
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.
FAQ about using a credit card for Amazon purchases
How long does it take to get approved for an Amazon credit card?
Getting approved for an Amazon credit card is just like any other credit card in that you can oftentimes be approved within seconds of applying. According to the Amazon.com Store Card page, you’ll get a decision online in as little as 15 seconds. For added convenience, your Amazon credit card will be automatically linked to your Amazon account. So you can start using any rewards you earn immediately.
What are the benefits of an Amazon credit card?
With an Amazon credit card, you’ll earn rewards for your Amazon spending. The earning rate depends on which version of the Amazon card you have.
With the Amazon Prime Rewards Visa, you can use your rewards directly at Amazon.com, or redeem them through Chase for cash back, gift cards or travel. If you hold the Visa Signature version, you’ll also get perks like travel benefits and extended warranty protection.
How do I redeem my Amazon credit card rewards?
The easiest way to use your Amazon Prime Rewards points towards your Amazon purchases is to have your card set as your preferred payment method. Then you can simply choose the number of points you’d like to use for each purchase.
Follow these steps to select your Amazon card as your payment method:
- Checkout through your shopping cart
- Select your Amazon card as the payment method
- Choose the number of points you’d like to use
- Click “Continue” and you’ll see the discount applied to your order total
Bottom line
When you shop at Amazon, consider these cards to earn rewards for your spending:
- Capital One Venture Rewards Credit Card: Best for easy to use travel rewards
- Chase Freedom Unlimited®: Best for earning Chase Ultimate Rewards
- Ink Business Unlimited Credit Card: Best for cash bonus
- The Blue Business® Plus Credit Card from American Express: Best for business purchases
- Chase Amazon Prime Rewards Visa Signature Card: Best for cash back
Which card do you use for Amazon shopping?
For rates and fees of the Blue Business Plus card, click here.
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