The Amazoncom Store Card Is Worth It If You:
- Are an Amazon Prime member already.
- Spend at least $2,180 per year on Amazon.com as a Prime member .
- Have fair credit and want to build up your credit score without having to pay an annual fee.
Overall, the two Amazon credit cards are most beneficial for Amazon Prime members. Because both cards come with a $0 annual fee, the value is simply a matter of overcoming the Prime membership fee of $119 per year. But you dont have to be a Prime member to benefit from the Amazon.com Credit Card. Being a frequent customer of Amazon or Whole Foods is enough to make the Amazon.com Credit Card worth it.
The main difference between the Amazon Store Card and the Amazon Credit Card is that the former can only be used to make purchases at Amazon and where Amazon Pay is accepted, whereas the latter can be used pretty much anywhere in the world. This leads to a second difference, which is the approval requirements. It’s easier to get approved for the Amazon Store Card, which requires just fair credit, while you’ll need at least good credit to get the Amazon Credit Card.read full answer
The Amazon Credit Card also offers better rewards and a better initial bonus if you have Amazon Prime . Plus, it rewards you for non-Amazon purchases as well, with 2 points for every eligible $1 spent at gas stations, restaurants and drugstores, and 1 point for every other $1 spent.
Honorable Mention: Chase Sapphire Preferred
The Chase Sapphire Preferred® Card earns 2x points on dining and travel globally. It also earns 5x points on Lyft rides through March 2022. Amazon purchases will only earn 1x Ultimate Reward point per $1 spent. But, your points can be redeemed on Amazon.com, though they are worth more when transferred to the Chase Ultimate Rewards portal and used to book travel. It has no foreign transaction fee but does have an annual fee of $95. You can learn more in our in-depth Chase Sapphire Preferred review.
Both the Chase Sapphire Preferred and Capital One Venture Rewards are some of the best travel miles credit cards. They are both good companions to have in your wallet.
Related: Chase Sapphire Preferred vs. Capital One Venture
Our Thoughts On The Amazon Rewards Visa Signature Card
The Amazon Rewards Visa Signature Card is essentially a light version of the Amazon Prime Rewards Visa Signature Card. You earn 3% cash back on all your Amazon.com purchases, and 2% cash back at gas stations, restaurants, and drugstores . All spending categories earn you the same rate you would get with the Amazon Prime Rewards Visa Signature Card, with the exception of purchases on Amazon.com and at Whole Foods, where you’ll only receive a 3% credit for your purchases rather than 5%. Also, the Amazon Rewards Visa Signature Card comes with a $50 Amazon Gift Card instantly upon approval instead of the Amazon Prime Rewards Visa Signature Card deal, where you’ll Get a $100 Amazon Gift Card instantly upon approval.
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Best Amazon Card For Annual Fee
Lucky for you, none of the four Amazon credit cards come with any annual fee. But that doesnt mean theyre all totally free. The Amazon Prime Rewards Visa Signature Card and the Amazon Prime Store Card do require that you have a current Amazon Prime membership, which runs $119 per year, or $12.99 a month.
What Credit Card Earns The Most Rewards At Amazon
Of all the cards listed above, the Amazon Prime Rewards Visa Signature Card is your best bet for earning rewards that can be used on Amazon purchases. Not only do you get the initial bonus, but you’ll earn 5% cash back when you use the card for your Amazon purchases.On top of that, you can use this card to make purchases elsewhere. Cardholders earn 2% cash back at restaurants, gas stations and drugstores and 1% cash back everywhere else. Finally, this card is offering a $150 Amazon gift card for those approved, which can instantly be used for your purchases on Amazon Prime Day.
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Ad Choices & Personalization
These are highlights of the rewards program associated with this credit card account. To participate in the Program, you must have an Amazon.ca account that is open and in good standing, and otherwise comply with the Program terms and conditions. The Amazon Prime membership status of the Amazon.ca account that you select to be associated with your credit card account will determine the number of points earned on eligible purchases. Accumulated points will be redeemed for Amazon.ca Gift Card, which will be loaded to your Amazon.ca account by Amazon. Complete terms and conditions describing Program eligibility, limitations and restrictions will be sent after your credit card account is opened. The Toronto-Dominion Bank has no liability or responsibility for the Amazon.ca Gift Card or any aspect of your Amazon.ca account.
A Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, the full cost of the item must be paid for using your MBNA Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your MBNA Guide to Coverage.
Best For Trying Out Prime
If you don’t have an Amazon Prime membership but still frequently use the website to shop, another option is the . To take advantage of Prime Day deals, sign up for a free 30-day trial membership and consider applying for the Amazon Rewards Visa Signature card, which doesn’t require you to have a Prime membership.
This credit card offers 3% back at Amazon and Whole Foods, along with 2% back at restaurants, gas stations and drugstores and 1% on all other purchases, so you can earn plenty of rewards even if you’re not an everyday Amazon shopper.
New cardholders get a $50 Amazon gift card once their application is approved. There’s also no foreign transaction fees and a few travel benefits, including travel accident insurance, auto rental collision damage waiver and lost luggage reimbursement.
If you later decide to become a Prime member, you’ll be upgraded to the Prime version of this card, but you won’t qualify for the $150 Amazon gift card welcome bonus.
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Amazon Credit Cards: What Are Your Options And Which Is Right For You
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list ofour partnersandhere’s how we make money.
If you’ve found those ubiquitous “smiling” cardboard boxes piling up at your front door after rounds of online shopping, you may have considered an Amazon credit card.
Charging your purchases on an Amazon credit card can be a rewarding decision if youre a frequent Amazon shopper. But just as Amazon has a dizzying amount of choices to shop for on their website, the retailer also offers many credit card options.
Heres everything you need to know about the five different Amazon credit cards that span personal and business credit card options, and how to choose which one is right for you.
This is the most basic of the Amazon credit card offerings, issued by Synchrony Bank. Known as a closed-loop card, it can only be used for purchases at Amazon.
There are two different versions of this card, depending on your membership with Amazon:
Both cards have no annual fee, but the latter requires a $119 Prime membership in order to qualify. Both cards also come with an Amazon gift card upon approval: Currently, non-Prime members will get $10 and Prime members will get $60.
Another option for Amazon shoppers who arent Prime members is the .
Amazon Business Prime American Express Card
The information for the Amazon Business Prime American Express Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
Small businesses can also get special perks on Amazon purchases. American Express offers two the Amazon Business American Express Card and the Amazon Business Prime American Express Card. Like the personal Amazon credit cards from Chase, you wont pay an annual fee for either card .
The Amazon Business Prime American Express Card has stronger rewards and is available to Business Prime members. You can get 5% back on the first $120,000 in purchases in a calendar year or 90 day terms on these U.S.-based Amazon purchases:
- Whole Foods
You get 2% back for U.S. purchases for restaurants, gas stations, and wireless telephone services purchased directly from U.S. providers. All remaining purchases get 1% back. All purchases are redeemable for Amazon purchases or statement credits.
The welcome bonus is a $125 gift card upon card application approval.
Related: Best Small Business Credit Cards
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Blue Cash Preferred From American Express: Best For Amazon Gift Cards
Typically, the Blue Cash Preferred from American Express doesnt offer the most cash back on your Amazon purchases. But thanks to its current welcome offer, new card members can score a huge return on everything they buy at Amazon.
Right now, new Blue Cash Preferred card members earn 20% back as a statement credit on all Amazon purchases within the first six months of opening the account, up to $200 back. With back-to-school shopping underway and Black Friday also coming up in the next six months, this could be the perfect time to apply for this card so you can save as much money as possible during these two popular online shopping events.
Additionally, new Blue Cash Preferred card members can earn $150 back as a statement credit after spending $3,000 on purchases within the same six-month time period, which means this welcome offer could net you up to $350 in total when combined with the 20% back at Amazon. The card even has a $0 introductory annual fee for the first year, then $95 each year thereafter .
Related: Earn more cash back with the Amex Blue Cash credit cards.
Now, if youre already a Blue Cash card member, youll find that the Blue Cash Preferred doesnt earn as much cash back as other cards when you use it to pay for your purchases at Amazon. But thanks to a small workaround, you can actually score a ton of cash back on your Amazon purchases with this card if youre willing to take one extra step.
Amazon Credit Cards: Key Differences
Amazon store cards issued by Synchrony Bank share some key features with the Amazon Visa cards issued by Chase including exclusive Amazon financing offers and a chance at bonus rewards on Amazon purchases. But they are completely separate products geared toward very different consumers. Here are some of the most important differences to keep in mind.
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Our Thoughts On The Chase Freedom Unlimited Card
The Chase Freedom Unlimited® card is one of the best cashback cards with a valuable rewards structure and excellent sign-up bonus. Youll Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases on up to $12,000 spent in the first year. If youre a Whole Foods shopper, youll enjoy this high earnings rate.
The Chase Freedom Unlimited® card also offers a number of bonus earnings categories: Earn 5% cash back on travel purchased through Chase, 3% on dining and drugstores, and 1.5% on all other purchases. Theres little to no thinking involved with using this card, as you wont have to activate any particular categories to maximize your spending.
Bank Of America Customized Cash Rewards Credit Card
Reward rates: 3% cash back in the category of your choice 2% at grocery stores and wholesale clubs 1% on everything elseAnnual fee:$0Sign-up bonus:$200 online cash bonus rewards after spending $1,000 in purchases in first 90 days: Good to excellent Introductory APR: 0% intro APR for 15 billing cycles on purchases, and for any balance transfers made in the first 60 days:13.99% to 23.99% variable
The Bank of America Customized Cash Rewards Credit Card allows you to choose your own bonus category once a month from six categories: gas, online shopping, dining, travel, drugstores or home improvement/furnishings. If you select online shopping as your rewards category, you’ll be eligible to earn 3% cash back at Amazon.com, plus many other online retailers. It’s worth noting that you only earn 3% on your selected category and 2% at grocery stores and wholesalers for purchases up to $2,500 each quarter. After that, your cash-back rate goes down to 1%.
Check out the full review in CNET’s roundup of the best cash-back credit cards.
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Amazon Prime Rewards Visa Signature Credit Card Review
We publish unbiased product reviews our opinions are our own and are not influenced by payment we receive from our advertising partners. Learn more about how we review products and read our advertiser disclosure for how we make money.
The Amazon Prime Rewards Visa Signature card could be an ideal choice for people who have an eligible Prime membership and do a great deal of their shopping at Amazon.com and Whole Foods Market. This card comes with no annual fee and offers 5% cash back on purchases at those two retailers, along with 2% cash back at restaurants, gas stations, and drugstores. All other purchases earn 1% cash back.
How We Evaluated Credit Cards For Online Shopping
To come up with this best of list, we took a look at 24 top credit cards to review what they had to offer. Then, we combed through the rewards and perks programs to see where online shoppers could come out ahead. We also made sure the cards came with fair terms, such as a low annual fee and an annual percentage rate that ranges from average to slightly above average.
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Best Amazon Credit Cards 2021
To make choosing the right card easier, we’ve looked at credit cards reviewed on ValuePenguin as well as cards on major issuer sites to compile a list of the best rewards credit cards available right now. Our recommendations are based on the additional value you can earn with the cards including the rewards value, cost of ownership and value of benefits such as travel and purchase protections, lounge membership and airline companion passes. Our choices are not influenced by our advertisers. Learn more on how we calculate rewards.
Amazon offers two types of credit cards for customers a rewards card and a store card and each type has an Amazon Prime option and a standard option to choose from.
The intriguing benefit offered by the Amazon.com Store Card and the Amazon Prime Store Card that you can’t get from their rewards card counterparts is the option for monthly financing. With either of the Amazon store cards, you can finance purchases of a certain amount over a six-, 12- or 24-month repayment plan, with a 0% APR. However, this benefit may not be enough to warrant choosing a store card over either of the rewards cards.
Instead, if you frequently shop on Amazon.com or at Whole Foods and you’re looking to earn cash back on your purchases, you should compare Amazon’s rewards cards with our list of the best cash back credit cards to make your decision.
Amazon Prime Rewards Visa Features:
- Annual fee: $0, although an annual $119 Amazon Prime subscription is required
- : Good to excellent
- Rewards: Earn 5% cashback on Amazon.com and Whole Foods Market purchases, 2% cashback at restaurants, gas stations and drugstores, 1% cashback on all other qualifying purchases and a bonus of 10% to 25% on select Amazon merchandise
- Welcome offer: $100 Amazon gift card upon approval
- Purchase intro APR: 0% APR up to 18 months
- Balance transfer intro APR: N/A
- Standard APR: Variable APR of 14.24% to 22.24%
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If You Count Yourself As A Loyal Amazon Customer You Might Be Able To Earn A Nice Chunk Of Your Spending Back Or Even Finance Your Purchases With One Of The Amazon Credit Cards
There are four to choose from, so how do you pick which one is right for you? Here are a few questions to ask.
- What type of Amazon shopper are you ?
- Do you want the option to finance a large Amazon purchase or not? Well guide you through your four choices in this Amazon credit card review so that you can make the best decision for yourself.
- Are you a frequent Whole Foods shopper? As of October 2020, eligible Prime members will earn 5% back on Whole Foods Market purchases when using the Amazon Prime Rewards Visa Signature Card. Cardholders who arent eligible Prime members will now earn 3% back on Whole Foods Market purchases when using the Amazon Rewards Visa Signature Card.
Great For High Spenders
If youre a high spender, take advantage of its current sign-up bonus: Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel. You can not only redeem these miles for travel but for everyday purchases. You can erase your Amazon purchases using your Capital One miles, making your rewards extremely valuable for various needs.
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