Best Credit Cards for Amazon of May 2024

The Chase Freedom Flex℠ has a $0 annual fee, yet comes with a pumped-up earnings structure that covers a wide swath of expenses, plus rotating quarterly bonus categories—typically including Amazon during one quarter each year.

Rewards: Earn 5% cash back on up to $1,500 in combined purchases in categories that rotate quarterly (requires activation), 5% cash back on travel purchased through Chase Travel℠, 3% cash back on dining and drugstores and 1% cash back on all other purchases.

Welcome offer: Earn a $200 bonus after spending $500 on purchases in the first 3 months from account opening.

Annual fee: $0

Other benefits and drawbacks: Unlike a card that earns big rewards on Amazon spending and mediocre rewards in other areas, the Chase Freedom Flex℠ can be a solid choice for everyday spending on a multitude of elevated earning categories. Occasionally, Amazon has been offered as a quarterly bonus category, allowing you to earn 5% cash back on up to $1,500 in purchases that quarter. It is possible to max out the spending category by buying Amazon gift cards, which can be used at a later date. Quarterly enrollment is required to earn 5% cash back.

The U.S. Bank Shopper Cash Rewards® Visa Signature® Card* allows you to designate two retailers that earn 6% cash back on up to $1,500 in combined purchases per quarter—and yes, Amazon.com is one of your options.

Rewards: Earn 6% cash back each quarter on combined eligible purchases from two retailers of choice ($1,500 limit), 5.5% cash back on prepaid car and hotel reservations booked through the Rewards Center, 3% cash back each quarter in one everyday category of choice ($1,500 limit) and 1.5% cash back on everything else.

Welcome offer: Earn $250 after spending $2,000 in eligible purchases within the first 120 days of account opening.

Annual fee: ​​$0 intro annual fee for the first year, then $95

Other benefits and drawbacks: Online shoppers will find this card to be one of the most rewarding options on the market. However, the annual fee does eventually eat into your earnings, especially since the rewards potential is capped. You’ll also need to remember to select (or re-select) your bonus retailers and categories each quarter. Your choices won’t carry over.

If you’re seeking to earn above-average rewards on Amazon spending without holding a Prime membership, the Amazon Visa Credit Card* is a fair choice. Rewards on Amazon and Whole Foods spending are an unlimited 3%, meaning there are no spending caps for rewards.

Rewards: Earn 3% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases. Earn 2% back at gas stations, restaurants and on local transit and commuting (including rideshare). Earn 1% back on all other purchases.

Welcome offer: Earn an Amazon Gift Card instantly upon approval.

Annual fee: $0

Other benefits and drawbacks: In addition to Amazon and Whole Foods spending, earning 2% back on other spending categories makes the Amazon Visa Credit Card* a well-rounded choice. Those who spend heavily at Amazon and Whole Foods will likely be better off paying for a Prime Membership and applying for the Prime Visa card instead. The extra rewards may make it worth the cost of the annual Prime fee.

Amazon can be a lifeline for students who may not have the time or transportation to shop elsewhere. Luckily, with the Bank of America® Unlimited Cash Rewards credit card for Students, there’s solid cash back on every purchase.

Rewards: Earn 1.5% unlimited cash back on all purchases.

Welcome offer: Earn a $200 cash rewards bonus after spending $1,000 in purchases within the first 90 days of opening the account.

Annual fee: ​​$0

Other benefits and drawbacks: Like most student cards, there aren’t a lot of benefits or perks built into this card. Still, there’s no annual fee; rewards are easy to earn and redeem, and there’s even a welcome bonus for qualifying new applicants. There’s also an introductory APR offer that can be helpful to finance Amazon or other purchases: 0% intro APR for 15 billing cycles for purchases and balance transfers made in the first 60 days, 19.24% - 29.24% variable APR thereafter. A 3% balance transfer fee applies for the first 60 days, then 4%.

If shopping at Amazon or Whole Foods is more of an occasional expense and not a regular occurrence, it makes sense to do so with a card that offers you the same great rate on all of your spending. The Citi Double Cash® Card fits the bill with generous, flat-rate rewards.

Rewards: Earn 2% cash back on all purchases—1% when purchases are made and another 1% when they’re paid off.

Welcome offer: Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening, fulfilled as 20,000 ThankYou® Points.

Annual fee: ​​$0

Other benefits and drawbacks: Rewards on the card can be taken as a statement credit, so you can use your cash-back rewards to offset the purchases you make at Amazon—or anywhere else. You can also redeem ThankYou Points as a deposit to a qualifying bank account to book travel, purchase gift cards or transfer them to one of Citi’s travel transfer partners where they may potentially offer greater value. Just don’t be tempted to shop with points at Amazon. They’re worth less than one cent each that way, making cash back a better value.

If you want to earn rewards from spending at Amazon but prefer to redeem rewards for travel, then the Bilt World Elite Mastercard® could be a perfect fit. Your everyday spending could fund your next trip.

Rewards: Earn 1 point per dollar on rent payments without the transaction fee (on up to 100,000 points each calendar year), 3 points per dollar on dining, 2 points per dollar on travel (when booked through the Bilt Travel Portal or directly with an airline, hotel, car rental or cruise company), and 1 point per dollar on other purchases.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: ​​$0 (rates & fees)

Other benefits and drawbacks: You have the opportunity to earn flexible, transferable Bilt Rewards with no annual fee, making it a rare option in the world of miles and points. Though Amazon purchases don’t receive bonus points, the program does earn double points (capped at 10,000) on the first calendar day of each month. You must use the card five times each statement period to earn points (rewards & benefits). So strategic shoppers could front the money for gift cards that day and apply them toward purchases throughout the rest of the month. To top it off, this card allows you to earn up to 100,000 points on rent payments in a calendar year.

If you regularly shop with Amazon or Whole Foods, it’s likely you already have an Amazon Prime membership. Adding the Prime Visa to your wallet will further increase your savings since no other card earns the same generous and unlimited rewards this one does on your Amazon-brand spending.

Rewards: Earn 5% back on purchases 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), and 1% back on other purchases.

Welcome offer: Earn a $100 Amazon gift card upon approval with an eligible Prime membership.

Annual fee: $0

Other benefits and drawbacks: Rewards can be redeemed daily to pay for all or part of your Amazon purchase, taken as a statement credit or used to purchase gift cards or travel. And while there isn’t an introductory APR offer, Prime members can opt to pay 0% for a limited time instead of earning rewards on select larger purchases. After the promotional period ends, a 19.49% - 27.49% variable APR applies.

This card is also packed full of travel and consumer benefits, including auto rental collision damage waiver, lost and delayed baggage protection, extended warranty and purchase protection. The card does not charge foreign transaction fees.

For a no-annual-fee card (Terms apply, see rates & fees), the Blue Cash Everyday® Card from American Express packs a punch with its rewards, earning additional cash back on gas, grocery and online retail purchases. If you usually make purchases on Amazon.com or at Whole Foods locations, the earnings on this card could add up, especially if you use the card for other online shopping as well.

Rewards: Earn 3% cash back at U.S. supermarkets, U.S. gas stations, and online retail purchases in the U.S. (on up to $6,000 in each category per year in purchases, then 1%), and 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits or at Amazon.com checkout.

Welcome offer: Earn a $200 statement credit after spending $2,000 on purchases within the first 6 months.

Annual fee: $0

Other benefits and drawbacks: The major drawback to the Blue Cash Everyday card is that its 3% earnings categories are capped at $6,000 per year. If your online shopping, including Amazon purchases, exceeds this amount per year, you’d likely need to pair this card with another card that earns more than 1% cash back to maximize your earnings on any spending over $6,000.

While it’s rare for no-annual-fee credit cards to offer statement credit benefits, the Blue Cash Everyday is an exception. Cardholders can receive a $7 monthly statement credit after using their card to spend $9.99 or more each month on a subscription to the Disney Bundle. If you are a Disney+ user, saving money on your monthly subscription is a nifty benefit of this card.

The Bank of America® Customized Cash Rewards credit card stands out for high net worth cardholders because it’s tied to Bank of America’s Preferred Rewards program. Those who have qualifying combined balances in their Bank of America® deposit and/or Merrill® investment accounts will get a boost on credit card rewards.

Rewards: Earn 3% cash back in the eligible category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.

Welcome offer: Earn a $200 online cash rewards bonus after spending $1,000 in purchases in the first 90 days of account opening.

Annual fee: ​​$0

Other benefits and drawbacks: Bank of America Preferred Rewards members can see a 25% to 75% boost to their credit card rewards across all spending categories. That means that those who qualify at the highest earnings tier will earn 5.25% rewards in the choice category. That’s an unbeatable rate—surpassing even Amazon’s own Prime Visa. But, those rewards are capped at $2,500 in combined spending per quarter. So, bigger spenders may not be a match for this card.

If your business can satisfy all or most of its spending needs within the Amazon ecosystem and you have an existing Prime membership, the Amazon Business Prime American Express Card* is a smart choice. Not only will you receive impressive rewards on your Amazon purchases, but you’ll also receive bonus earnings on other areas of spending, including restaurants, gas stations and wireless phone services.

Rewards: Earn 5% back in rewards or 90 day terms on eligible U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods on the first $120,000 spent in a calendar year with an eligible Prime membership, 1% thereafter. Earn 2% at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers and 1% on other purchases.

Welcome offer: Earn a $125 Amazon.com gift card upon approval.

Annual fee: $0

Other benefits and drawbacks: Although there’s no annual fee for the card, an Amazon Prime membership is required. Single-user Business Prime memberships can be opened at no cost above your personal Prime membership fee. Companies with more users will need to pay for a Business Prime account. Also, keep in mind that the highest rewards rate is capped, so big spenders may find themselves with lower earning rates as the year progresses.