The Best Credit Cards for Amazon Purchases of 2023

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). In some cases, we receive a commission from our partners; however, our opinions are our own. Terms apply to offers listed on this page.

The information for the following product(s) has been collected independently by Business Insider: Prime Visa, U.S. Bank Shopper Cash Rewards™ Visa Signature® Card, Citi® Double Cash Card, Amazon Visa, Business Prime American Express 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 2023.

We're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

Compare the Best Amazon Credit Cards

Best Amazon Credit Cards

• Prime Visa - Product Name Only: Best for earning 5% back at Amazon and Whole Foods
• U.S. Bank Shopper Cash Rewards™ Visa Signature® Card - Product Name Only: Best for earning 6% back on two retail brands (including Amazon)
• Blue Cash Everyday® Card from American Express - Product Name Only: Best for earning 3% back on US online retail purchases (including Amazon)
• Wells Fargo Active Cash® Card - Product Name Only: Best for earning 2% cash rewards on purchases (including Amazon)
• Citi® Double Cash Card - Product Name Only: Best for 2% cash back everywhere with a long intro 0% APR on balance transfers
• Bank of America® Customized Cash Rewards Credit Card - Product Name Only: Best for online shopping (including Amazon)
• The Platinum Card® from American Express - Product Name Only: Best for purchase protection

Methodology: How we chose the best Amazon credit cards

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).

Here's more about how we rate credit cards at Insider to learn about our methodology.

Amazon Credit Card Frequently Asked Questions (FAQ)

How many Amazon credit cards are there?

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

Is the Amazon credit card good?

The Amazon Prime Rewards Visa Signature Card is very good l for Amazon and Whole Foods purchases —  if you're an Amazon Prime member. 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?

You can use the Amazon Prime Rewards Visa Signature Card 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?

You'll make a payment depending on which Amazon card you have. If you've got the Amazon Prime Rewards Visa Signature Card , 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?

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

Earn 5% Back at Amazon, Whole Foods, and on Chase Travel 

Amazon Prime Visa Card

The Amazon Prime Rewards Visa Signature Card offers 5% cash back on Amazon, Whole Foods, and Chase Travel Portal purchases, including Amazon gift cards — as long as you're an Amazon Prime member (otherwise, 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 rewards rates you'll find. This makes the card a great option for your Amazon purchases.

The card offers an interesting feature that can help you save money on interest. At Amazon checkout, on purchases of $50 or more, you can choose a 0% promo APR for six to 12 months on your purchase (then a Amazon Prime Rewards Visa Signature Card  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 for over time. 

New cardholders who apply for the Amazon Prime Rewards Visa Signature Card  will instantly receive a Amazon Prime Rewards Visa Signature Card . 

The Amazon Prime Rewards Visa Signature Card 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.

Amazon Prime Visa Card Review

Earn 6% Cash Back on Two Retail Brands (Including Amazon)

US Bank Shopper Cash Rewards card

The new U.S. Bank Shopper Cash Rewards™ Visa Signature® Card 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 US 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 U.S. Bank Shopper Cash Rewards™ Visa Signature® Card, with the chance to earn a generous U.S. Bank Shopper Cash Rewards™ Visa Signature® Card. 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 U.S. Bank Shopper Cash Rewards™ Visa Signature® Card APR. It also charges a foreign transaction fee, so it's not ideal for traveling abroad. 

US Bank Shopper Cash Rewards Card Review

Earn 3% Cash Back on US Online Retail Purchases (Including Amazon)

Amex Blue Cash Everyday card

The Blue Cash Everyday® Card from American Express got a bit of a makeover last year, and one of the improvements was the addition of a new bonus category. Now, 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). That's an excellent rate of return for a credit card with no annual fee.

It's now offering a welcome bonus of a Blue Cash Everyday® Card from American Express.

New cardholders can also get a Blue Cash Everyday® Card from American Express, followed by a Blue Cash Everyday® Card from American Express 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

Earn 2% Cash Rewards at Amazon and Everywhere Else

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 Wells Fargo Active Cash℠ Card.

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 Wells Fargo Active Cash® Card (then a Wells Fargo Active Cash® Card APR). 

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

Wells Fargo Active Cash Card Review

Earn 2% Cash Back Everywhere With a Long 0% Intro APR on Balance Transfers

Citi Double Cash

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 Citi® Double Cash Card, followed by a Citi® Double Cash Card 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 Insider's picks for the best balance transfer credit cards »

Best for Online Shopping (Including Amazon)

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 Bank of America® Customized Cash Rewards Credit Card.

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 Bank of America® Customized Cash Rewards Credit Card, followed by a Bank of America® Customized Cash Rewards Credit Card 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

Best for Purchase Protection

Amex Platinum

It doesn't earn bonus points at Amazon (unless your account is eligible for an Amex Offer** for bonus points at Amazon), but 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 per year.

The card has a $550 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:

• Best for dining rewards: American Express® Gold Card (this card also earns 4x points on the first $25,000 spent at U.S. supermarkets each calendar year, then 1x, and this category includes Amazon partner Whole Foods) 
• Best for cash back: Blue Cash Preferred® Card from American Express
• Best for bonus points on travel: American Express® Green Card
• Best premium business card: The Business Platinum Card® from American Express
• Best business card for everyday spending: The Blue Business® Plus Credit Card from American Express

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.