6 Top Picks: Best Credit Card for Amazon Purchase Rewards

Best Credit Card for Amazon Purchase Rewards

credit card advice

Brittney Mayer
By: Brittney Mayer
Posted: May 24, 2018
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

The first time I realized I could go online and find the exact book I wanted, in hardcover, for nearly half of what the big bookstores were charging — well, I was flabbergasted. And enchanted. As a bibliophile of long standing, discovering Amazon.com was all I needed to turn my small personal book collection into a full-blown library.

Today, that little online bookseller is a retail giant, with more than 65 million Amazon Prime members around the world and a quarterly revenue of around $60 billion. If more than a little of your annual income finds its way into Amazon’s coffers, then you’re doubtless on the hunt for a way to slim down that number — without slimming down your purchases. While only a handful of cards on the market offer Amazon purchase rewards, you do have a number of options to help you stay on top of your online shopping.

5% Rotating Categories | Amazon-Branded

Cards with 5% Cash Back in Rotating Categories for Amazon

While the cards co-branded by Amazon have the potential to offer year-round rewards, not everyone wants a store card, no matter if it has a Visa logo or not. If you’d rather have a mainstream rewards credit card from a big bank, but still want the opportunity to earn rewards on your Amazon purchases during peak spending seasons, you can try a card that offers rotating cash back rewards that change each quarter.

Discover it® - Cashback Match™ Review

at Discover Card'ssecure website

BEST OVERALL RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn unlimited 1% cash back on all other purchases – automatically.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • No annual fee.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
13.49% - 24.49% Variable
$0
Good/Excellent

The Discover it® card provides up to 5% cash back when you activate your bonus in rotating categories each quarter, on up to $1,500 in category purchases per quarter. While you won’t receive year-round Amazon purchase rewards, the Discover it® card has offered Amazon.com as a bonus category at least one quarter each year for the past several years, including offering it for the fourth quarter of 2018 — just in time for holiday shopping.

BEST OVERALL RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49-25.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases for 15 months
0% Intro APR on Balance Transfers for 15 months
16.49% - 25.24% Variable
$0
Excellent/Good

As with the Discover it®, the Chase Freedom® has quarterly rotating bonus categories that provide 5% cash back on up to $1,500 in category purchases each quarter you activate. Chase also tends to offer bonus rewards for Amazon.com regularly, though not as reliably as the Discover it®.

3. U.S. Bank Cash+™ Visa Signature® Card

The U.S. Bank Cash+™ Visa Signature® Card is ideal for those who spend a lot on Amazon Kindle purchases, as cardholders can earn up to 5% cash back on those purchases when they select the Bookstores category for one of their 5% cash back categories. Plus, since you can pick your categories each quarter, you have the potential to earn bonus rewards year-round, up to $2,000 in purchases each quarter.

U.S. Bank Cash+™ Visa Signature® Card

  • Choose the Bookstores category to earn 5% cash back on Amazon Kindle purchases
  • Earn 5% cash back in a second category of your choice
  • Pay no annual fee

Even better, you actually get to select two 5% cash back categories from 12 different options, including other useful purchase categories like Fast Food and Department Stores. Plus, select your 2% cash back category from gas stations, restaurants, and grocery stores.

4. Vantage West Connect Rewards Visa Signature® Card

While the Vantage West Connect Rewards Visa Signature® Card is the only non-Amazon card that offers year-round 5% rewards on Amazon purchases, it does have a few limitations. For starters, it’s not a big-bank card; the Connect Rewards card is issued by Vantage West Credit Union, which means you’ll need to be eligible for membership to get the card. Plus, 5% rewards are capped at $1,500 in purchases each quarter.

Vantage West Connect Rewards Visa Signature® Card

  • Earn 5X points per $1 in category of your choice, with Amazon.com as a bonus category option
  • Earn 3X points per $1 at gas stations, 2X points per $1 on groceries
  • Pay no annual fee

To join the Vantage West Credit Union, you need to meet one of three eligibility criteria. The first is to live, work, worship, volunteer, or attend school in the organization’s service area, which includes portions of southern Arizona. The second is to be a member of the military stationed in qualifying areas of southern Arizona. The third is to be affiliated with a qualifying group, which may include employers, organizations, churches, or schools.

Amazon-Branded Credit Cards for Everyday Rewards

As with many retailers, if you want the best Amazon purchase rewards, you’ll likely need to turn to a credit card branded by, well, Amazon. The merchant offers two branded credit cards, an open-loop Visa Signature® card issued by Chase, and a closed-loop store card that can only be used for Amazon purchases. With both cards, cardholders who are also members of Amazon Prime will receive the best rewards.

5. Amazon Rewards Visa Signature® Card

A Visa Signature® card issued by Chase Bank, the Amazon Rewards Visa Signature® Card — or the Amazon Prime Rewards Visa Signature Card, if you have a Prime Membership — can be used to shop anywhere, but provides the best rewards for Amazon.com and Whole Foods purchases.

Amazon Rewards Visa Signature® Card

  • Earn 3% back on Amazon.com and Whole Foods purchases; Prime Members earn 5% back
  • Earn 2% cash back at restaurants, gas stations, and drugstores
  • Pay no annual card fee, Prime fee may apply

The points you earn with the Amazon Rewards card can be redeemed directly at checkout to pay for most Amazon.com purchases, you can redeem them for cash back, gift cards, or travel.

6. Amazon.com Store Card

In contrast to the Amazon Rewards Visa Signature® Card, the Amazon.com Store Card can only be used to make Amazon.com purchases, and only cardholders with Amazon Prime accounts will earn rewards on those purchases. All cardholders will receive special financing offers on qualifying purchases, however.

Amazon.com Store Card

  • Cardholders who are also Amazon Prime Members earn 5% cash back on Amazon.com purchases
  • Receive special financing on orders of $149 or more
  • Pay no annual card fee, Prime fee may apply

If you plan to use the special financing option, be sure to pay off your purchase before the end of your financing terms. The Amazon.com Store Card utilizes deferred interest, which means if any of your balance remains after your terms expire, you’ll be charged interest fees for the entire purchase amount.

Prime Yourself for Big Rewards

With the power of discount prices and free shipping, Amazon the bookseller won over millions of devoted fans, eventually gaining a large enough audience to add a variety of other merchandise to its offerings. In just a few years, Amazon grew into an industry giant, providing millions of users with millions of items from which to choose.

And the company is hardly stopping at owning the online shopping world. With its acquisition of the Whole Food grocery chain, the introduction of dozens of its own house brands, and the drive to put an Alexa device into every home, Amazon is making itself an integral part of how we shop for almost everything.