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Best Credit Cards for Amazon Purchases of 2024

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.

The information for the following product(s) has been collected independently by Business Insider: U.S. Bank Shopper Cash Rewards™ Visa Signature® Card, Citi® Double Cash Card, Amazon Visa, Amazon Business Prime Card, Citi Premier® Card, Citi Prestige® Card, American Express® Green Card, Marriott Bonvoy Bountiful™ Card. The details for these products have not been reviewed or provided by the issuer.

If you're a frequent Amazon shopper, you'll want to use one of the best credit cards that earn the most points or cash back for your spending to get the biggest return on your purchases. 

Whether you prefer earning flat-rate rewards or want a card that specifically earns a bonus on Amazon spending, there are several great options available right now. Before you decide on a credit card, be sure to consider your overall spending habits — and if you want other bells and whistles like travel insurance and purchase protection.

Here are the best credit cards to use at Amazon in 2024.

Best Credit Cards for Amazon of 2024

Compare the Best Amazon Credit Cards

Earn 5% back at Amazon and Whole Foods
Prime Visa
Insider’s Rating
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
4.05/5
Icon of check mark inside a promo stamp It indicates a confirmed selection.
Perks

Earn 5% back at Amazon.com, Amazon Fresh, and Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership (earn 3% without an eligible Prime membership). Earn 2% back on restaurant, gas station, and local transit and commuting purchases, including rideshare. Earn 1% back on all other purchases.

Annual Fee

$0

Intro APR

N/A

Regular APR

19.49% - 27.49% Variable

Intro Offer

Earn a $100 Amazon gift card

Recommended Credit

Good to Excellent

Pros
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. 5% cash back at Amazon, Whole Foods, and travel booked through Chase is hard to beat
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good travel benefits and purchase protections
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee
Cons
  • con icon Two crossed lines that form an 'X'. Must be an Amazon Prime member to qualify
  • con icon Two crossed lines that form an 'X'. Other cards offer higher cash-back rates on non-Amazon purchases
Insider’s Take

The Amazon Prime Visa is a good choice if you're already an Amazon Prime member — and do quite a bit of online shopping. It comes with decent benefits for a no-annual-fee credit card, and its earning rates are exceptional.

Prime Visa review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
  • Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
  • Earn unlimited 5% back at Amazon.com, Amazon Fresh, and Whole Foods Market with an eligible Prime membership
  • Earn unlimited 5% back on Chase Travel purchases with an eligible Prime membership
  • Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
  • Earn unlimited 1% back on all other purchases
  • No annual credit card fee
  • No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
  • Member FDIC
Earn 6% cash back on two retail brands (including Amazon)
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
U.S. Bank U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
Insider’s Rating
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
3.9/5
Icon of check mark inside a promo stamp It indicates a confirmed selection.
Perks

Earn 1.5-6% cash back on purchases

Annual Fee

$0 intro for the first year, then $95

Regular APR

18.74-28.74% Variable

Recommended Credit

Excellent/Good

Pros
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. High cash-back earning at popular retailers like Amazon, Target, and Walmart
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Ability to customize rewards depending on your spending habits
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous welcome bonus offer
Cons
  • con icon Two crossed lines that form an 'X'. Annual fee after the first year, foreign transaction fees
  • con icon Two crossed lines that form an 'X'. 6% and 3% cash back categories are capped at $1,500 in spending per quarter
  • con icon Two crossed lines that form an 'X'. No intro 0% APR offer
Insider’s Take

The U.S. Bank Shopper Cash Rewards™ Visa Signature® Card is a terrific card for almost any household, but if you typically spend more than $1,500 per quarter on retail, you may do better with a different cash-back card.

U.S. Bank Shopper Cash Rewards review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
  • The information related to the U.S. Bank Shopper Cash Rewards™ Visa Signature® Card has been collected by Business Insider and has not been reviewed by the issuer.
  • $0 intro annual fee for the first year, then $95 a year
  • Earn $250 bonus after spending $2,000 in eligible purchases within the first 120 days of account opening
  • 6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose
  • 5.5% back on prepaid car and hotel reservations booked through the US Bank Rewards Center
  • 3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category (like wholesale clubs, gas and EV charging stations, bills and utilities)
  • 1.5% cash back on all other eligible purchases
Earn 3% cash back on US online retail purchases (including Amazon)
Blue Cash Everyday® Card from American Express
Insider’s Rating
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
3.5/5
Icon of check mark inside a promo stamp It indicates a confirmed selection.
Perks

Limited time offer: Earn 10% cash back per dollar spent at restaurants worldwide for three months, on up to $25,000 in purchases when eligible card member refers a friend and the friend applies by May 22, 2024 and gets the card (terms apply). Earn 1% to 3% cash back on purchases.

Annual Fee

$0

Intro APR

0% intro APR on purchases and balance transfers for 15 months from account opening

Regular APR

19.24% - 29.99% Variable

Intro Offer

Earn a $200 statement credit

Recommended Credit

Good to Excellent

Pros
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good bonus cash-back rate at U.S supermarkets
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee.
Cons
  • con icon Two crossed lines that form an 'X'. If you spend more than $6,000 at U.S supermarkets in a year, you should use another card to earn bonus rewards once you hit that cap.
Insider’s Take

The Blue Cash Everyday® Card from American Express is a solid cash-back card with no annual fee. It's an especially valuable choice for purchases at US supermarkets, gas stations, and online retail purchases, thanks to its bonus earning categories.

Amex Blue Cash Everyday Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • No Annual Fee.
  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
  • Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
  • Terms Apply.
Earn 2% cash rewards at Amazon and everywhere else
Wells Fargo Active Cash® Card
Insider’s Rating
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
4.3/5
Icon of check mark inside a promo stamp It indicates a confirmed selection.
Perks

Earn unlimited 2% cash rewards on purchases.

Annual Fee

$0

Intro APR

0% intro APR on purchases and qualifying balance transfers for 15 months from account opening

Regular APR

20.24%, 25.24%, or 29.99% variable

Intro Offer

Earn $200 cash rewards bonus

Recommended Credit

Good to Excellent

Pros
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good welcome bonus for a $0 annual fee card
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Straightforward 2% cash rewards on purchases with no categories to track
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong benefits including cell phone protection, Visa Signature perks, and an intro APR on purchases and qualifying balance transfers
Cons
  • con icon Two crossed lines that form an 'X'. If you've opened a Wells Fargo card in the past six months, you may not qualify for an additional Wells Fargo credit card
  • con icon Two crossed lines that form an 'X'. Foreign transaction fees
Insider’s Take

The Wells Fargo Active Cash® Card is definitely worth considering if you want to earn a strong rate of cash rewards on purchases without rotating categories or earning caps and with no annual fee. It's got a solid welcome bonus and intro APR offer, which puts it high on our list of the best zero-interest credit cards.

Wells Fargo Active Cash Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
  • Select "Apply Now" to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don't expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Earn 2% cash back everywhere with a long 0% intro APR on balance transfers
Citi® Double Cash Card
Citi Citi® Double Cash Card
Insider’s Rating
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
3.65/5
Icon of check mark inside a promo stamp It indicates a confirmed selection.
Perks

For a limited time, earn 5% cash back on hotel and car rentals booked on the Citi Travel℠ portal through 12/31/24. Also earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Annual Fee

$0

Intro APR

0% intro APR on balance transfers for 18 months

Regular APR

19.24% - 29.24% Variable

Intro Offer

Earn $200 cash back

Recommended Credit

Excellent, Good, Fair

Pros
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Simple earning structure without confusing bonus categories
Cons
  • con icon Two crossed lines that form an 'X'. Some cards earn higher rates of cash back on rotating categories
  • con icon Two crossed lines that form an 'X'. While it has an introductory APR offer, that's only on balance transfers, not purchases, so you can't use it to fund a major expense without interest
Insider’s Take

The Citi® Double Cash Card doesn't come with a lot of bells and whistles. But earning 2% cash back (1 point per dollar at the time of purchase and 1 point per dollar when you pay your bill) without an annual fee is an excellent deal. It's also one of our picks for the best balance transfer credit cards.

Citi Double Cash Card review External link Arrow An arrow icon, indicating this redirects the user."
Best for online shopping (including Amazon)
Bank of America® Customized Cash Rewards Credit Card
Learn more
On CardRatings.com's website
Insider’s Rating
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
3.9/5
Icon of check mark inside a promo stamp It indicates a confirmed selection.
Perks

Earn 3% cash back in the category of your choice, automatic 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.

Annual Fee

$0

Intro APR

0% intro APR for 15 billing cycles on purchases and on any balance transfers made within 60 days of account opening

Regular APR

18.24% - 28.24% Variable

Intro Offer

Earn a $200 online cash rewards bonus

Recommended Credit

Good to Excellent

Pros
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Broad 2% and 3% cash-back categories
Cons
  • con icon Two crossed lines that form an 'X'. Earn 2% and 3% cash-back categories capped at $2,500 in combined purchases each quarter.
Insider’s Take

The Bank of America® Customized Cash Rewards Credit Card is worth considering if you're looking for a no-annual-fee cash-back credit card that lets you choose your highest rewards category.

Bank of America® Customized Cash Rewards Credit Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 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.
  • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishing purchases.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and cash rewards don't expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that's currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Best for purchase protection
The Platinum Card® from American Express
Insider’s Rating
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
4.4/5
Icon of check mark inside a promo stamp It indicates a confirmed selection.
Perks

Limited time offer: Earn 10X Membership Rewards® Points at restaurants worldwide for three months, on up to $25,000 in purchases when eligible card member refers a friend and the friend applies by May 22, 2024 and gets the card (terms apply). Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (on up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1X Points on other purchases.

Annual Fee

$695

Intro APR

N/A

Regular APR

See Pay Over Time APR

Intro Offer

Earn 80,000 Membership Rewards® points

Recommended Credit

Good to Excellent

Pros
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual statement credits with Saks and Uber
Cons
  • con icon Two crossed lines that form an 'X'. Bonus categories leave something to be desired
  • con icon Two crossed lines that form an 'X'. One of the highest annual fees among premium travel cards
Insider’s Take

If you want as many premium travel perks as possible, The Platinum Card® from American Express could be the right card for you. The annual fee is high, but you get a long list of benefits such as airport lounge access, travel statement credits, complimentary hotel elite status, and more.

Amex Platinum Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
  • $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.

 

 

Choose the right credit card for Amazon purchases
  • Prime Visa
  • U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
  • Wells Fargo Active Cash® Card
  • Citi® Double Cash Card
  • Bank of America® Customized Cash Rewards Credit Card
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
Intro Offer Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
Earn a $100 Amazon gift card
Get a $100 Amazon Gift Card instantly upon approval with an eligible Prime membership
Show more
Rewards Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
Earn 5% back at Amazon.com, Amazon Fresh, and Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership (earn 3% without an eligible Prime membership). Earn 2% back on restaurant, gas station, and local transit and commuting purchases, including rideshare. Earn 1% back on all other purchases.
Annual Fee Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
$0
Rewards Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
Earn 6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose. Earn 5.5% back on prepaid car and hotel reservations booked through the US Bank Rewards Center. Earn 3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category (like wholesale clubs, gas and EV charging stations, bills and utilities). Earn 1.5% cash back on all other eligible purchases.
Annual Fee Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
$0 intro for the first year, then $95
Intro Offer Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
Earn $200 cash rewards bonus
$200 cash rewards bonus after spending $500 in purchases in the first three months from account opening
Show more
Rewards Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
Earn unlimited 2% cash rewards on purchases.
Annual Fee Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
$0
Intro Offer Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
Earn $200 cash back
$200 cash back, fulfilled as 20,000 ThankYou® Points, after spending $1,500 on purchases in the first six months of account opening
Show more
Rewards Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Earn 5% cash back on hotel and car rentals booked on the Citi Travel℠ portal through 12/31/24.
Annual Fee Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
$0
Intro Offer Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
Earn a $200 online cash rewards bonus
$200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening
Show more
Rewards Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
Earn 3% cash back in the category of your choice, automatic 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. Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishing purchases.
Annual Fee Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
$0
Apply now
On Amazon’s website
Apply now
On Wells Fargo's website
Learn more
On CardRatings.com's website

Best Credit Card for Amazon Frequently Asked Questions

How many Amazon credit cards are there? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

There are four personal Amazon credit cards: The Prime Visa, Amazon Visa , Amazon Store Card, and the Amazon Secured Card. For small businesses, there's also the Amazon Business Prime Card and the Amazon Business American Express Card.

Which credit card gives maximum cash back on Amazon? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

The Prime Visa offers the best rate for frequent Amazon shoppers , For no annual fee, it also offers a respectable return on other common purchases such as restaurants, gas stations, and local transit and commuting (including rideshare). 

Can I use my Amazon credit card anywhere? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

You can use the Prime Visa anywhere Visa is accepted. Some other Amazon-branded cards are store credit cards and can only be used for Amazon purchases.

How do I make an Amazon credit card payment? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

You'll make a payment depending on which Amazon card you have. If you've got the Prime Visa, you'll pay your bill through Chase. If you've got a store card, you'll pay through Amazon with Synchrony Bank.

What credit score do you need for the Amazon credit card? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Most people who are approved for the Prime Visa have a credit score in the good or excellent range, which means a FICO score of at least 670.

Prime Visa

Predictably, the best credit card for Amazon and Whole Foods purchases is the Prime Visa.

If you're an Amazon Prime member, you earn 5% cash back on Amazon, Whole Foods, and Chase Travel Portal purchases, including Amazon gift cards. If you don't have an Amazon Prime membership, you'll earn 3% back on these purchases).

Cardholders also get an extra 5% to 15% cash back on certain promotional items, which is one of the highest reward rates you'll find. This makes the Prime Visa a great option for your Amazon purchases.

The Prime Visa offers an interesting feature that can help you save money on interest. At Amazon checkout, you can choose a 0% promo APR for six to 12 months on purchases of $50 or more, (then a 19.49% - 27.49% Variable APR). If you choose this option, you won't earn cash-back rewards, but it could make sense if you have a large purchase you want to pay off over time. 

New cardholders who apply for the Prime Visa instantly receive a $100 Amazon gift card instantly upon approval as a Prime member, which can be used right away on Amazon purchases. 

The Prime Visa also earns 2% cash back at restaurants, gas stations, and on local transit and commuting (including rideshare). Considering those are pretty common spending categories for most people, this isn't a bad card to have in your wallet, especially since it has no annual fee.

Learn more about this card in our Amazon Prime Visa card review.

U.S. Bank Shopper Cash Rewards

The new U.S. Bank Shopper Cash Rewards lets cardholders choose which two popular retail brands to earn 6% cash back in (including Amazon, Walmart, and Chewy) up to $1,500 in combined purchases per quarter (1.5% back then after).

You'll also earn 3% cash back in one everyday category (such as gas and EV charging purchases, bills and utilities, or wholesale clubs) up to $1,500 per quarter, as well as 5.5% cash back on hotel and car bookings through the U.S. Bank Rewards Center. Otherwise, you'll earn 1.5% cash back on all other purchases. 

It's a great card for simple rewards earning on everyday spending, especially for folks who frequently shop at major retail brands. And even after hitting the $1,500 cap each quarter, you'll still earn a strong 1.5% cash back on your purchases. 

Cardholders are charged an annual fee of $0 intro for the first year, then $95, with the chance to earn a generous $250 bonus after spending $2,000 in eligible purchases within the first 120 days of account opening. In addition, cardholders get Visa Signature benefits, as well as decent travel and purchase protection perks. 

But it doesn't offer a 0% introductory APR, just a regular 18.74-28.74% Variable APR. It also charges a foreign transaction fee, so it's not ideal for traveling abroad. 

U.S. Bank Shopper Cash Rewards card review

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express cardholders can earn 3% cash back on U.S. online retail purchases on up to $6,000 per year (then 1% back) — and that includes Amazon.

Otherwise, cardholders earn 3% cash back on the first $6,000 spent at U.S. supermarkets each calendar year (then 1% back), 3% cash back at U.S. gas stations on up to $6,000 per year in purchases (then 1% back), and 1% cash back on other purchases (cash back is received in the form of Reward Dollars that can be redeemed as statement credits or at Amazon.com checkout). That's an excellent rate of return for a credit card with no annual fee.

It's now offering a welcome bonus of a $200 statement credit after you spend $2,000 in purchases on your new card in the first six months of card membership.

New cardholders can also get a 0% intro APR on purchases and balance transfers for 15 months from account opening, followed by a 19.24% - 29.99% Variable APR.

The Blue Cash Everyday® Card from American Express also added some handy monthly credits for The Disney Bundle and Home Chef that can save you money (if you already use these services)**. Also, the card offers purchase protection, which is useful if you buy high-value items from Amazon (or anywhere else).

Blue Cash Everyday Amex card review

Wells Fargo Active Cash® Card

The no-annual-fee Wells Fargo Active Cash® Card is a terrific choice for earning 2% cash rewards on purchases (including Amazon) and it comes with a generous welcome offer to boot. New cardholders can earn a $200 cash rewards bonus after spending $500 in purchases in the first three months from account opening.

If you have larger purchases coming up, the intro APR offer on the card could also come in handy for saving on interest charges. You'll receive a 0% intro APR on purchases and qualifying balance transfers for 15 months from account opening (then a 20.24%, 25.24%, or 29.99% variable APR). 

Cardholders also get a handful of benefits, including cellphone protection, roadside dispatch, travel emergency assistance, and Visa Signature® Concierge access. 

Wells Fargo Active Cash Card review

Citi® Double Cash Card

If you prefer a versatile 2% cash back credit card with a solid earning rate at Amazon (and everywhere else), the Citi® Double Cash Card is a good pick, especially if you're looking for a long intro 0% APR balance transfer offer. Cardholders get a 0% intro APR on balance transfers for 18 months, followed by a 19.24% - 29.24% Variable APR.

You'll also earn 2 points per dollar (1 point at the time of purchase and 1 point when you pay your bill) on all purchases, with no limit to what you can earn. 

Each point is worth 1 cent toward cash back, but you can also use Citi ThankYou points for travel, gift cards, merchandise, and more. Because the Citi® Double Cash Card has no annual fee, it's a good card to keep for the long term. 

Citi Double Cash card review

See Personal Finance Insider's picks for the best balance transfer credit cards »

Bank of America® Customized Cash Rewards Credit Card

If you do a lot of online shopping in general, including Amazon, the Bank of America® Customized Cash Rewards Credit Card can potentially be very rewarding. It's got a bit more of a hands-on approach, though; cardholders can earn 3% cash back in the category they choose each quarter from a list: gas/EV charging, online shopping, dining, travel, drug stores, or home improvement/furnishings.

The 3% and 2% cash back at grocery stores and wholesale clubs earning rate is capped at a maximum of $2,500 in combined purchases per quarter, after which you'll earn 1% back on those purchases. The card also comes with a compelling bonus offer: a $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening.

One good thing about this card is the ability to change your 3% cash back category once per calendar month, so if your spending habits tend to change depending on the time of year, this could be a good pick. For example, choosing online purchases for the last quarter of the year (when folks tend to do a lot of holiday and gift shopping) could prove very rewarding, but in the summer months, gas or dining might be a better pick.

New cardholders also receive a 0% intro APR for 15 billing cycles on purchases and on any balance transfers made within 60 days of account opening, followed by a 18.24% - 28.24% Variable APR. There's no annual fee, but be careful using the card outside the US, because it charges foreign transaction fees.

Bank of America Customized Cash Rewards credit card review

The Platinum Card® from American Express

It doesn't earn bonus points at Amazon (unless your account is eligible for an Amex Offer** for bonus points at Amazon), but The Platinum Card® from American Express is also worth considering, especially for more expensive Amazon purchases. That's because it offers purchase protection for up to 120 days from your date of purchase, with a maximum of $10,000 per claim and $50,000 per account a year.

The card has a $695 annual fee, so it's not worth getting for this benefit alone, but if you can take advantage of perks like monthly Uber Cash credits**, airline incidental fee credits**, and Saks credits**, not to mention airport lounge access, it can be a great option.

American Express Platinum card review 

Any Amex Card With an Amex Offer for Amazon

One benefit of having an American Express card is that you get access to Amex Offers**. These are deals for bonus points or cash back when you shop with a specific retailer, and there are frequently Amex Offers for bonus points on Amazon purchases.

Since Amex Offers are targeted (they vary for each cardholder), you may not see Amazon offers in your account, but it's worth checking. Keep in mind that you need to add the Amex Offer to your account online and make a qualifying purchase to be eligible for the bonus.

Some of the best American Express cards include:

Any Card That Offers an Annual Spending Bonus

If you're more concerned with long-term gain, consider charging your Amazon purchases to a credit card that offers an annual incentive for meeting certain spending thresholds.

For example, The Hilton Honors American Express Business Card offers a free reward night after you spend $15,000 in a calendar year, and a second free night after spending a total of $60,000 in a calendar year. You can use your reward at just about any Hilton hotel, including high-end resorts with rates approaching $1,000 per night or more. 

Or consider the Marriott Bonvoy Bevy™ American Express® Card and Marriott Bonvoy Bountiful™ Card , which offer a free award night worth up to 50,000 points after you spend $15,000 or more in a calendar year with the card.

Another option is to put your Amazon spending on one of the best Southwest credit cards to earn the Southwest Companion Pass. If you're unfamiliar with this benefit, it essentially allows you to bring a designated companion along with you for free (just pay taxes and fees) on paid and award tickets.

You'll earn the Companion Pass when you earn 135,000 qualifying Southwest points in a calendar year, and points earned via credit card welcome bonuses and spending count toward this requirement. Plus, each year, Southwest credit card holders receive a 10,000-point "boost" toward earning the Companion Pass.

Why You Should Trust Us: How We Chose the Best Credit Cards to Use at Amazon

Personal Finance Insider's credit card experts looked at cards that offer a bonus for general online shopping, in addition to cards that specifically reward purchases at Amazon. We evaluated a number of factors, including annual fees, ease of use, rewards value and redemptions, and benefits (including purchase protection and extended warranty).

Read more about how we rate credit cards at Personal Finance Insider to better understand our methodology.

For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.

For rates and fees of The Platinum Card® from American Express, please click here.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards.

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

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