The best credit cards for Amazon purchases of October 2022: Earn cash back or flexible rewards points

Share to friends

Insider’s consultants choose the best companies and merchandise to help make smart alternatives collectively together with your cash (here’s how). In some circumstances, we get hold of a price from our our partners, however, our opinions are our private. Terms apply to provides listed on this net web page.

If you’re a frequent Amazon shopper, you have to to make use of a credit card that earns the most rewards for your spending to get a superb increased deal in your purchases.

Whether you like incomes flat-rate rewards or want a card that earns a bonus on Amazon spending, there are a selection of good decisions accessible correct now. Before you establish on a credit card, make sure you keep in mind your complete spending habits — and so as for you completely different bells and whistles like journey insurance coverage protection and purchase security.

Here are the best credit cards to make use of at Amazon in 2022.

We’re focused proper right here on the rewards and perks that embody each card. These cards won’t be worth it if you happen to occur to’re paying curiosity or late prices. When using a credit card, it’s important to pay your stability in full each month, make funds on time, and solely spend what chances are you’ll afford to pay.

Compare the best Amazon credit cards

The best Amazon credit card opinions

Earn 5% back at Amazon and Whole Foods: Amazon Prime Rewards Visa Signature Card

The Amazon Prime Rewards Visa Signature Card  provides 5% cash back on Amazon and Whole Foods purchases, along with Amazon current cards — as long as you’re an Amazon Prime member (in every other case, you’ll earn 3% back on these purchases). Cardholders moreover get an extra 5 to fifteen% cash back on certain promotional objects, which is one of the very best rewards prices you’ll uncover. This makes the cardboard a unbelievable alternative for your Amazon purchases.

The card provides an fascinating operate which will help you get financial financial savings on curiosity. At Amazon checkout, on purchases of $50 or additional, chances are you’ll choose a 0% promo APR for six to 18 months in your purchase (then a Amazon Prime Rewards Visa Signature Card  APR). If you choose this function, you’ll not earn cash-back rewards, however it’d make sense if in case you’ve got an enormous purchase it’s good to pay for over time. 

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

The Amazon Prime Rewards Visa Signature Card  moreover earns 2% cash back at consuming locations, gas stations, and drugstores. Considering these are pretty widespread spending courses for most people, this isn’t a foul card to have in your pockets, notably as a result of it has no annual fee.

Review: Amazon Prime Rewards Visa Signature Card review

Earn 6% cash back on two retail producers (along with Amazon): US Bank Shopper Cash Rewards card

The new U.S. Bank Shopper Cash Rewards™ Visa Signature® Card lets cardholders choose which two well-liked retail producers to earn 6% cash back in (along with Amazon, Walmart, and Chewy) as a lot as $1,500 in blended purchases per quarter (1.5% back then after).

You’ll moreover earn 3% cash back in a single regularly class (resembling gas and EV charging purchases, funds and utilities, or wholesale golf tools) as a lot as $1,500 per quarter, along with 5.5% cash back on resort and automotive bookings by means of the US Bank Rewards Center. Otherwise, you’ll earn 1.5% cash back on all completely different purchases. 

It’s a unbelievable card for straightforward rewards incomes on regularly spending, notably for individuals who recurrently retailer at essential retail producers. And even after hitting the $1,500 cap each quarter, you’ll nonetheless earn a robust 1.5% cash back in your purchases. 

READ ALSO  Synchrony Bank consider: Earn competitive interest prices, and receive an ATM card with your savings account

Cardholders are charged a U.S. Bank Shopper Cash Rewards™ Visa Signature® Card annual value, with the prospect to earn a generous U.S. Bank Shopper Cash Rewards™ Visa Signature® Card. In addition, cardholders get Visa Signature benefits, along with first charge journey and purchase security perks. 

But it doesn’t provide a 0% introductory APR, solely a typical U.S. Bank Shopper Cash Rewards™ Visa Signature® Card APR. It moreover bills a worldwide transaction value, so it’s not ideally suited for touring abroad. 

Review: US Bank Shopper Cash Rewards Visa Signature

Earn 3% cash back on US on-line retail purchases (along with Amazon): Amex Blue Cash Everyday card

The Blue Cash Everyday® Card from American Express recently acquired a bit of a makeover, and one of the enhancements was the addition of a model new bonus class. Now, cardholders can earn 3% cash back on U.S. on-line retail purchases on as a lot as $6,000 per 12 months (then 1% back) — and that options Amazon.

Otherwise, cardholders earn 3% cash back on the first $6,000 spent at U.S. supermarkets each calendar 12 months (then 1% back), 3% cash back at U.S. gas stations on as a lot as $6,000 per 12 months (then 1% back), and 1% cash back on completely different purchases (cash back is obtained inside the kind of Reward Dollars that could be redeemed as assertion credit). That’s an outstanding cost of return for a card with no annual value.

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

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

The Blue Cash Everyday® Card from American Express moreover added some useful month-to-month credit for The Disney Bundle and Home Chef which will forestall cash (if you happen to occur to already use these suppliers). There’s moreover purchase security, which is useful if you happen to occur to buy high-value objects from Amazon (or anyplace else).

Review: Amex Blue Cash Everyday review

Earn 2% cash rewards at Amazon and in all places else: Wells Fargo Active Cash Card

The no-annual-fee Wells Fargo Active Cash℠ Card is a terrific various for incomes 2% cash rewards on purchases (along with Amazon) and it comes with a generous welcome provide as effectively. New cardholders can earn a Wells Fargo Active Cash℠ Card.

If you’ve got received greater purchases arising, the intro APR provide on the cardboard may moreover develop into helpful for saving on curiosity bills. You’ll get hold of a Wells Fargo Active Cash® Card (then a Wells Fargo Active Cash® Card APR). 

Cardholders moreover get a handful of benefits, along with cellphone security, roadside dispatch, journey emergency assist, and Visa Signature Concierge entry. 

Review: Wells Fargo Active Cash card review

Earn 2% cash back in all places with a protracted 0% intro APR on stability transfers: Citi Double Cash 

If you like a flexible cash-back credit card with a powerful incomes cost at Amazon (and in all places else), the Citi® Double Cash Card is an efficient select, notably if you happen to occur to’re wanting for a protracted intro 0% APR stability change provide. Cardholders get a Citi® Double Cash Card, adopted by a Citi® Double Cash Card APR.

For a restricted time, the cardboard is offering a welcome bonus of Citi® Double Cash Card. You’ll moreover earn 2 points per buck (1 degree on the time of purchase and 1 degree if you happen to pay your bill) on all purchases, with no prohibit to what chances are you’ll earn. 

Each degree is worth 1 cent in direction of cash back, nonetheless you may too redeem Citi ThankYou points for journey, current cards, merchandise, and additional. Because the Citi® Double Cash Card has no annual value, it’s a good card to keep up for the long term. 

Review: Citi Double Cash card review

Best for on-line procuring (along with Amazon): Bank of America Customized Cash Rewards credit card

If you do fairly a bit of on-line procuring usually, along with Amazon, the Bank of America® Customized Cash Rewards Credit Card can in all probability be very rewarding. It’s acquired a bit additional of a hands-on methodology, though; cardholders can earn 3% cash back inside the class they choose each quarter from a list: gas, on-line procuring, consuming, journey, drug outlets, or home enchancment/furnishings.

The 3% incomes cost is capped at a most of $2,500 per quarter blended with the cardboard’s 2% cash back at grocery outlets and wholesale golf tools, after which you’ll earn 1% back on these purchases. The card moreover comes with a compelling bonus provide: a Bank of America® Customized Cash Rewards Credit Card.

One benefit of this card is the flexibleness to range your class every quarter, so in case your spending habits tend to range counting on the time of 12 months, this might presumably be an awesome select. For occasion, deciding on on-line purchases for the ultimate quarter of the 12 months (when persons are inclined to do fairly a bit of trip and current procuring) may present very rewarding, nonetheless within the summertime months, gas or consuming might be a higher select.

New cardholders moreover get hold of a Bank of America® Customized Cash Rewards Credit Card, adopted by a Bank of America® Customized Cash Rewards Credit Card APR. There’s no annual value, nonetheless be careful using the cardboard open air the US, because of this of it bills worldwide transaction prices.

Review: Bank of America Customized Cash Rewards card review

Best for purchase security: Amex Platinum

It doesn’t earn bonus points at Amazon (till your account is eligible for an Amex Offer** for bonus points at Amazon), nonetheless Platinum Card® from American Express may be worth considering, notably for dearer Amazon purchases. That’s because of this of it provides purchase security for as a lot as 120 days out of your date of purchase, with a most of $10,000 per declare and $50,000 per account per 12 months.

The card has a $550 annual value, so it’s not worth getting for this benefit alone, nonetheless if you happen to occur to can take advantage of benefits like month-to-month Uber Cash credit**, airline incidental value credit**, and Saks credit**, to not level out airport lounge entry, it could be a unbelievable alternative.

Review: Amex Platinum review 

Any Amex card with an Amex Offer for Amazon

One revenue of having an American Express card is that you just get admission to Amex Offers**. These are gives for bonus points or cash back if you happen to retailer with a particular retailer, and there are recurrently Amex Offers for bonus points on Amazon purchases.

Since Amex Offers are targeted (they vary for each cardholder), you may not see Amazon provides in your account, however it is worth checking. Keep in ideas that you just wish to add the Amex Offer to your account on-line and make a qualifying purchase to be eligible for the bonus.

READ ALSO  Today's mortgage and refinance charges: November 29, 2022 | Rates at 2-month low

Some of the best American Express cards embody:

Any card that gives an annual spending bonus

If you’re additional concerned with long-term purchase, keep in mind charging your Amazon purchases to a credit card that gives an annual incentive for meeting certain spending thresholds.

For occasion, The Hilton Honors American Express Business Card provides a free reward night reward after you spend $15,000 in a calendar 12 months, and a second free night after spending an entire of $60,000 in a calendar 12 months. You can use your reward at just about any Hilton hotel, along with high-end resorts with prices approaching $1,000 per night or additional. 

Or keep in mind 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 additional in a calendar 12 months with the cardboard.

Another alternative is to put your Amazon spending on a Southwest credit card with the intention to earn the Southwest Companion Pass. If you’re unfamiliar with this revenue, it primarily means you can ship a delegated companion along with you for free (merely pay taxes and prices) on paid and award tickets.

You’ll earn the Companion Pass if you happen to earn 125,000 qualifying Southwest points in a calendar 12 months, and points earned by manner of credit card welcome bonuses and spending rely within the route of this requirement. 

Note that you could be solely have one non-public Southwest co-branded card at a time. Here’s what chances are you’ll earn:

You can also earn a bonus from one non-public Southwest card and a enterprise Southwest card or two.

Amazon credit card recurrently requested questions (FAQ)

How many Amazon credit cards are there?

There are three flavors of non-public Amazon-branded cards: The Amazon Prime Rewards Visa Signature Card , the Amazon Store Card, and the Amazon Secured Card. For small firms, there’s moreover the Business Prime American Express Card.

Is the Amazon credit card good?

The Amazon Prime Rewards Visa Signature Card is phenomenal for Amazon and Whole Foods purchases — notably if you happen to occur to’re an Amazon Prime member. For no annual value, it moreover provides a very good return on completely different widespread purchases resembling consuming locations, gas stations, and drug outlets. 

Can I take benefit of my Amazon credit card anyplace?

You can use the Amazon Prime Rewards Visa Signature Card  anyplace Visa is accepted. The completely different Amazon-branded cards retailer cards and can solely be used for Amazon purchases.

How do I make an Amazon credit card price?

You’ll make a price counting on which Amazon card you’ve got received. If you’ve got acquired the Amazon Prime Rewards Visa Signature Card , you’ll pay your bill by means of Chase. If you’ve got acquired a retailer card, you’ll pay by means of Amazon with Synchrony Bank here.

What credit ranking would you like for the Amazon credit card?

Most individuals who discover themselves approved for the Amazon Prime Rewards Visa Signature Card  have a credit ranking inside the good or fantastic range, which suggests a FICO score of at least 670.

Read the distinctive article on Business Insider

Go to Source