7 Best Credit Cards For Amazon

Jodie Price

By Jodie Price | Updated November 10, 2025

Shopping on Amazon can feel even more rewarding when the right credit card is used to earn cash back, points, or extra perks. This list of the best Amazon credit cards includes options that maximize everyday Amazon purchases and others that offer broader rewards across various spending categories, helping you choose the card that best matches your shopping habits.

  • Prime Visa

    The Prime Visa is designed for Amazon Prime members who want to earn higher rewards on their everyday shopping. It focuses on giving strong returns when used on Amazon and Whole Foods purchases.

    This card also works well outside of Amazon, offering useful rewards in categories like dining and travel. It gives cardholders flexibility while keeping the earning structure simple.

    Earning Structure:

    • 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
    • 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership
    • 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
    • 1% back on all other purchases

    Welcome Bonus:

    New cardholders can receive a $150 Amazon gift card instantly upon approval.

    Card Details:

    • Annual fee: $0 (Prime membership required for full rewards)
    • APR: 19.49%–28.24% variable
    • Other benefits: Purchase protection, extended warranty, travel insurance
    • Network: Visa
    • Type: Cash back credit card
    • Foreign transaction fees: None

    Key Benefits:

    • No annual fee to carry the card
    • High rewards on Amazon and Whole Foods
    • Extra cash back on dining and transit
    • No foreign transaction fees
    • Instant Amazon gift card upon approval

    Redemption Options:

    Rewards can be redeemed for Amazon purchases, statement credits, travel, or gift cards.

    Credit Requirements:

    Applicants typically need good to excellent credit, usually defined as a FICO score of 670 or higher.

    Spending Limitations / Potential Drawbacks:

    The highest rewards apply only with an active Prime membership.

    Why it Works for Beginners:

    It offers simple cash back rewards and no annual fee, making it easy for new cardholders to manage.

  • Amazon Visa Credit Card

    The Amazon Visa Credit Card gives shoppers a simple way to earn rewards on everyday purchases. It works well for those who shop at Amazon often but do not want to pay for a Prime membership.

    This card also extends rewards to other spending categories, making it useful beyond Amazon. It provides flexibility for people who want a no-fee option with steady benefits.

    Earning Structure:

    • 3% back on Amazon and Whole Foods purchases
    • 3% back on Chase Travel purchases
    • 2% back at restaurants, gas stations, and drugstores
    • 1% back on all other purchases

    Welcome Bonus:

    New cardholders may receive a $50 Amazon gift card instantly upon approval.

    Card Details:

    • Annual fee: None
    • APR: 19.49%–28.24% variable
    • Other benefits: Equal Pay financing on eligible purchases
    • Network: Visa
    • Type: Cash back credit card
    • Foreign transaction fees: None

    Key Benefits:

    • No annual fee to maintain the card
    • Rewards apply to both Amazon and everyday spending
    • No foreign transaction fees for international use
    • Equal Pay financing options for larger purchases

    Redemption Options:

    Cardholders can redeem rewards for cash back, travel, gift cards, or directly at Amazon checkout.

    Credit Requirements:

    Applicants generally need good to excellent credit, with a FICO score of 670 or higher.

    Spending Limitations / Potential Drawbacks:

    The card offers lower rewards at Amazon compared to the Prime Visa, and some redemption options may require minimum amounts.

    Why it Works for Beginners:

    It suits beginners because it has no annual fee and offers straightforward rewards without complicated rules.

  • Wells Fargo Active Cash® Card

    The Wells Fargo Active Cash® Card is a flat-rate cash back card that keeps things simple. It provides a steady rewards rate on every purchase, making it easy to use for Amazon and other everyday spending.

    This card appeals to people who do not want to track rotating categories. Its straightforward design allows cardholders to focus on earning without extra effort.

    Earning Structure:

    • Unlimited 2% cash rewards on all purchases

    Welcome Bonus:

    New cardholders can earn a cash rewards bonus of $200 after spending $500 within the first three months.

    Card Details:

    • Annual fee: None
    • APR: 19.24%, 24.24%, or 29.24% variable
    • Other benefits: Introductory APR on purchases and balance transfers, cell phone protection with eligible payment
    • Network: Visa
    • Type: Cash back credit card
    • Foreign transaction fees: 3%
    • Additional perks: Access to Visa Signature benefits

    Key Benefits:

    • No annual fee to maintain the card
    • Flat 2% cash rewards on everything
    • Intro APR for purchases and balance transfers
    • Cell phone protection when paying with the card
    • Simple structure with no rotating categories

    Redemption Options:

    Cash rewards can be redeemed as statement credits, direct deposits, or at Wells Fargo ATMs.

    Credit Requirements:

    Applicants generally need good to excellent credit, often starting around a 670 FICO score.

    Spending Limitations / Potential Drawbacks:

    Foreign transaction fees and the absence of bonus categories may reduce its appeal for frequent travelers or those wanting more reward multipliers.

    Why it Works for Beginners:

    Its easy 2% rewards rate and no annual fee make it a strong choice for someone new to credit cards.

  • Hilton Honors American Express Surpass® Card

    The Hilton Honors American Express Surpass® Card is a mid-tier hotel credit card designed for travelers who often stay at Hilton properties. It offers a balance of rewards and perks without being as premium as higher-end travel cards.

    Cardholders earn Hilton Honors points on everyday spending, making it useful beyond hotel stays. It also includes travel-related benefits that add value for frequent users.

    Earning Structure:

    • 12x points on Hilton hotel purchases
    • 6x points at U.S. supermarkets, U.S. restaurants, and U.S. gas stations
    • 4x points on U.S. online retail purchases, including Amazon
    • 3x points on all other eligible purchases

    Welcome Bonus:

    Earn 130,000 Hilton Honors Bonus Points after spending $3,000 in the first six months of card membership.

    Card Details:

    • Annual fee: $150
    • APR: 20.24%–29.24% variable
    • Other benefits: Complimentary Hilton Gold status, Priority Pass visits (with conditions)
    • Network: American Express
    • Type: Hotel rewards credit card
    • Foreign transaction fees: None

    Key Benefits:

    • Strong rewards on Hilton stays
    • Bonus points on U.S. supermarkets, gas, and dining
    • Complimentary Hilton Gold status
    • No foreign transaction fees

    Redemption Options:

    Points can be redeemed for Hilton hotel stays, room upgrades, and transfer partners.

    Credit Requirements:

    Best suited for applicants with good to excellent credit, typically a score of 700 or higher for better approval odds.

    Spending Limitations / Potential Drawbacks:

    The card is most beneficial for Hilton loyalists and offers less value for infrequent Hilton guests.

    Why it Works for Beginners:

    It offers simple earning categories and valuable hotel perks, making it easy for new cardholders to maximize rewards without confusion.

  • U.S. Bank Shopper Cash Rewards® Visa Signature® Card

    The U.S. Bank Shopper Cash Rewards® Visa Signature® Card is designed for people who want flexible cash back at major retailers. It lets cardholders choose where they earn higher rewards, including popular stores like Amazon.

    This card fits shoppers who prefer tailoring rewards to their spending habits. It also includes a sign-up bonus and extra features that make it competitive with other cash back cards.

    Earning Structure:

    • 6% cash back on the first $1,500 in combined eligible purchases each quarter in two chosen categories
    • 5.5% cash back on prepaid car and hotel reservations booked through the Rewards Travel Center
    • 3% cash back on the first $1,500 in eligible purchases each quarter in one everyday category
    • 1.5% cash back on all other eligible purchases

    Welcome Bonus:

    New cardholders can earn $250 after spending $2,000 in eligible purchases within the first four months.

    Card Details:

    • Annual fee: $0 intro for the first year, then $95 after
    • APR: 18.74%–28.74% variable
    • Other benefits: Contactless payments, mobile wallet compatibility
    • Network: Visa Signature
    • Type: Cash back credit card
    • Foreign transaction fees: 3%
    • Additional perks: Access to Visa Signature benefits

    Key Benefits:

    • High 6% cash back on selected retailers
    • Flexible category selection
    • Introductory annual fee waiver
    • Wide Visa Signature acceptance
    • Extra rewards on everyday spending

    Redemption Options:

    Cash back can be redeemed as a statement credit, deposited into a U.S. Bank account, or exchanged for gift cards.

    Credit Requirements:

    Applicants typically need good to excellent credit, with a FICO score of 690–850.

    Spending Limitations / Potential Drawbacks:

    The 6% cash back is capped at $1,500 in combined purchases each quarter, and the annual fee applies after the first year.

    Why it Works for Beginners:

    It works well for beginners because the rewards categories are easy to understand and redemption is straightforward.

  • Bank of America® Unlimited Cash Rewards Credit Card For Students

    This student credit card offers a simple way to earn cash back on everyday purchases. It is designed for students who want to start building credit while keeping rewards easy to manage.

    The card also provides access to an introductory APR period, which can help with larger purchases. Its flat-rate cash back is ideal for students who shop often at Amazon, providing consistent rewards without category tracking.

    Earning Structure:

    • 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn
    • 1.5% cash back on all purchases thereafter

    Welcome Bonus:

    New cardholders can earn a $200 online cash rewards bonus after spending $1,000 in the first three months of joining.

    Card Details:

    • Annual fee: None
    • APR: 18.24%–28.24% variable
    • Other benefits: Access to Bank of America online and mobile banking tools
    • Network: Mastercard
    • Type: Student cash back card
    • Foreign transaction fees: 3%
    • Additional info: Cash back rewards never expire

    Key Benefits:

    • No annual fee to maintain the card
    • Flat-rate cash back on all purchases
    • Introductory APR for purchases
    • Rewards do not expire
    • Simple structure for beginners

    Redemption Options:

    Cash back can be redeemed as a statement credit, direct deposit, or applied toward eligible purchases.

    Credit Requirements:

    Applicants usually need good to excellent credit history, with a FICO score of at least 670.

    Spending Limitations / Potential Drawbacks:

    The card charges foreign transaction fees.

    Why it Works for Beginners:

    It gives students a no-annual-fee way to earn rewards while learning to manage credit responsibly.

  • Amazon Business Prime American Express Card

    The Amazon Business Prime American Express Card is designed for small business owners who frequently shop with Amazon. It provides tailored rewards that focus on Amazon-related purchases and business expenses.

    This card also offers flexible payment options, making it easier for businesses to manage cash flow. It works best for those who already hold an Amazon Prime membership.

    Earning Structure:

    • 5% back or 90-day terms on eligible U.S. purchases at Amazon Business, AWS, Amazon.com, and Whole Foods (on the first $120,000 per year, then 1% after)
    • 2% back at U.S. restaurants, U.S. gas stations, and U.S. wireless phone services
    • 1% back on all other purchases

    Welcome Bonus:

    The card often provides a $125 Amazon gift card upon approval.

    Card Details:

    • Annual fee: None (Prime membership required)
    • APR: 18.49%–26.49% variable
    • Other benefits: Expense management tools, employee cards at no extra cost
    • Network: American Express
    • Type: Business credit card
    • Foreign transaction fees: None

    Key Benefits:

    • Flexible choice between rewards or extended payment terms
    • No annual fee to keep the card active
    • Strong rewards rate on Amazon ecosystem purchases
    • Useful tools for managing business expenses

    Redemption Options:

    Rewards can be redeemed for Amazon purchases, statement credits, or gift cards.

    Credit Requirements:

    Applicants generally need good to excellent credit (FICO of 670 or higher) for approval.

    Spending Limitations / Potential Drawbacks:

    Rewards are most valuable within the Amazon ecosystem, which limits flexibility.

    Why it Works for Beginners:

    It offers simple rewards and no annual fee, making it easy for new business owners to manage.

Frequently Asked Questions

What is the difference between cash back and points for Amazon purchases?

Cash back rewards give you direct monetary value that can be applied to statements or purchases. Points, on the other hand, may be redeemed for travel, gift cards, or specific retailer credits, depending on the program. The value of points often varies by redemption method, while cash back stays consistent.

Can you use credit card rewards to cover Amazon subscription services like Prime or Audible?

Some rewards can be redeemed for statement credits that offset charges for services like Prime or Audible. However, not all cards allow direct redemption for subscription payments. It depends on whether your issuer treats these as eligible charges for cash back or points.

Do Amazon-related cards offer benefits during shopping events like Prime Day or Black Friday?

Yes, certain cards provide rotating or limited-time offers tied to major shopping events. These promotions can temporarily increase cash back or points earned on specific categories or purchases. They are not guaranteed and depend on the issuer’s partnership with Amazon.

Are student credit cards effective for international Amazon purchases?

Student credit cards often charge foreign transaction fees, which can reduce the value of rewards earned. While they may still process international Amazon orders, the fees add extra costs. A card with no foreign transaction fees is better suited for global shopping.

Can small business credit cards help track Amazon purchases for taxes?

Yes, business cards usually include expense management tools that categorize transactions, including Amazon purchases. This makes it easier to separate business expenses from personal ones. Such tracking can simplify bookkeeping and tax reporting for entrepreneurs.