Use the Best Credit Card for Amazon Purchases to Avoid Missing Out on Easy Rewards! 

We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

Use the Best Credit Card for Amazon Purchases to Avoid Missing Out on Easy Rewards! 

KeithUse the Best Credit Card for Amazon Purchases to Avoid Missing Out on Easy Rewards! Million Mile Secrets Team

We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

Best Amazon Credit Card

Do you do a lot of shopping at Amazon?  If you’re not using the right credit card for your purchases, you could be missing out on easy cash back or travel rewards!

The information for the Chase Amazon Prime Rewards credit 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.

Best Amazon Credit Card
Are You Using the Wrong Credit Card for Amazon Purchases? Check Our List to See the Best Cards for Rewards and Other Benefits When Shopping at the Online Retailers!

I’ll share 4 great credit cards to save on shopping with Amazon!

Consider Tips Before Applying for the Best Credit Card for Amazon Purchases

Link:   The 5 Dangers of Applying for Credit Cards

Link:   11 Credit Card Myths That Could Be Holding You Back From Big Travel

For folks just learning about the world of miles & points and travel credit cards, there are a few things you should know!

First, check out our post with the 5 Dangers of Applying for Credit Cards.  Rewards credit cards are NOT for everyone.  I only recommend this hobby if you:

  • Pay your bills on time
  • Have a credit score of 700+ (create a free account at myBankrate to check your credit score!)
  • Pay attention to detail
  • Track your credit card balances

As long as you can manage your money and use your cards responsibly, you’ll do well in this hobby!  One of the little-known secrets of this hobby is having several open credit cards can actually help improve your credit score.  I have 12 open credit card accounts and a credit score above 800!

So if you’ve been using a dusty old credit card to pay for your Amazon purchases, you shouldn’t be afraid to explore a new option that could potentially offer you a lot more value!

Best Amazon Credit Card
Opening a New Credit Card to Earn Rewards for Amazon Purchases Could Potentially Improve Your Credit Score in the Long Run. I Have 12 Rewards Credit Cards and a Credit Score Above 800!

4 Best Credit Cards to Use at Amazon

The best card to use for any purchase – Amazon or not – is the card you’re currently meeting the minimum spending on to unlock a big bonus to get Big Travel with Small Money! 🙂

After you’ve done that, consider these to reward your Amazon shopping!

Best Amazon Credit Card for Cash Back Rewards: Chase Amazon Prime Rewards Card (No Annual Fee!)

Link:   Apply for the Chase Amazon Prime Rewards Card

Link:   Our Review of the Amazon Prime Rewards Card

Why This Card Is Great for Amazon Purchases

The no-annual-fee Chase Amazon 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!  That’s like getting a 5% discount on every purchase!

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

Best Amazon Credit Card
Amazon Bought Whole Foods Last Year! And Now Chase Amazon Prime Cardholders Who Are Amazon Prime Members Can Earn 5% Cash Back at the Supermarket Chain!

Sign-Up Bonus Details

When you sign-up for this card, you’ll get a $70 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!

Best Amazon Credit Card for Easy to Use Travel Rewards: Capital One Venture

Link:   Apply for the Capital One Venture Card

Link:   Our Review of the Capital One Venture 

Why This Card Is Great for Amazon Purchases

Capital One Venture cardholders earn 2 Venture miles per $1 you spend 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 1 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!

Sign-Up Bonus Details

This card has a lucrative sign-up bonus that’s easy to redeem.  The Capital One Venture card comes with 50,000 Venture miles (worth $500 in travel) after spending $3,000 on purchases within the first 3 months.

And you’ll get:

Annual Fee

The card has a $95 annual fee, which is waived the first year.  As long as you spend $4,750 per year, the rewards you’ll earn will offset the annual fee.  Because this card earns 2 Venture miles per $1.  So spending $4,750 means you’ll earn 9,500 Venture miles, which you can then redeem for $95 in travel rewards!

Best Amazon Credit Card for Small Business Purchases: AMEX Blue Business Plus (No Annual Fee!)

Link:   Apply for the AMEX Blue Business Plus

Link:   Our Review of the AMEX Blue Business Plus Card

Why This Card Is Great for Amazon Purchases

The no-annual-fee AMEX Blue Business Plus card earns 2 AMEX Membership Rewards points spent on all purchases, on up to $50,000 spent each calendar year (then 1x thereafter).

AMEX Membership Rewards points are extremely useful for folks looking to save money on travel!  You can transfer points directly to any of the 19 AMEX airline and hotel partners to book award travel.  For example, you can transfer AMEX Membership Rewards points to Delta, JetBlue, and others to book award flights.

I like transferring AMEX Membership Rewards points to JetBlue because the airline has no blackout dates.  So it’s really simple to save money on flights when I’m flying to destinations like New York or Orlando!

Best Amazon Credit Card
My Wife and I Transferred AMEX Membership Rewards Points to JetBlue When We Visited Disney World!

Intro Bonus Details

No welcome bonus

Annual Fee

This card has NO annual fee.  But because it’s a small business card, you’ll need to show business income.  However, qualifying might be easier than you think!  For example, I’m eligible for small business cards because I sell things for a profit on eBay.  And I apply for small business cards using just my social security number.

Best Amazon Credit Card for Purchase Protection: Citi American Airlines 

Link:   Apply for the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

Why This Card Is Great for Amazon Purchases

I have a firsthand story of why the Citi American Airlines card is amazing for purchase protection, like extended warranty coverage.  This can come in handy when you’re buying big ticket items at Amazon.

My friend’s $2,500 flatscreen television recently stopped working just after the manufacturer’s warranty expired.  I asked him what card he paid with and to check the extended warranty benefits.  He paid with the Citi American Airlines card, which extends manufacturer’s warranty on eligible items by an additional 24 months (total coverage between both the manufacturer’s warranty and extended warranty cannot exceed 84 months).

With this coverage, Citi will repair or replace the item.  Or reimburse you up to the amount charged on the card (up to $10,000).  My friend filed a claim and received a $2,500 reimbursement from Citi for the full cost of the television!

Best Amazon Credit Card
When You Shop for Big Ticket Items on Amazon, It’s a Good Idea to Pay With a Card That Offers Extended Warranty Coverage! Using the Citi American Airlines Card for a Television Purchase Got My Friend a $2,500 Refund After It Stopped Working!

And as a Citi cardholder, you can take advantage of the Citi Price Rewind program to save money on purchases if the price drops.

Sign-Up Bonus Details

When you sign-up for the Citi American Airlines Platinum Select card, you’ll earn up to 50,000 bonus American Airlines miles: 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months of account opening. Plus, 10,000 additional bonus miles after you spend $6,000 total in the first 12 months.  That’s enough miles for:

  • 2 round-trip coach flights within the mainland US (with miles to spare!)
  • 3 one-way off-peak coach flights from the mainland US to Hawaii
  • 1 round-trip coach flight from the US to Europe

Annual Fee

This card has a $99 annual fee, which is waived for the first 12 months.

Bottom Line

When you shop at Amazon, consider these 4 cards to earn rewards for your spending:

Which card do you use for Amazon shopping?

If you liked this post, why don’t you join the 25,000+ readers who have signed-up to receive free blog posts via email (only 1 email per day!) or in an RSS reader …because then you’ll never miss another update!

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! :)

Add comment

E-mail is already registered on the site. Please use the Login form or enter another.

You entered an incorrect username or password

Sorry that something went wrong, repeat again!

10comments

by Newest
by Best by Newest by Oldest

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.

Author

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.

Author

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!

In addition to the Amazon cash back, I recommend signing up for MyPoints and going through their website to earn MyPoints rewards on Amazon purchases in many categories.

Author

Thanks for sharing the tip!

I believe the Barclays Jet Blue credit card earns 2 points on Amazon purchases also.

Author

I believe you’ll only earn 1 point per $1 on Amazon purchases. That said, JetBlue points are valuable because the airline has no blackout dates. So it could still make sense to use that card. Thanks for commenting!