Amazon is a go-to for everyday shopping. The best credit cards offer up to 6% back on purchases there, turning routine buys into savings. Options suit Prime members and others alike.
Picture this: you add items to your Amazon cart, hit checkout, and know you're getting extra cash back just for using the right card. In 2025, with rising costs, every bit of rewards counts for everyday travelers and busy families. This guide breaks down the best credit cards for Amazon purchases, focusing on US options that deliver real value. We'll look at rewards rates, fees, bonuses, and perks, all based on official details and user insights. No hype here—just straightforward advice to help you pick a card that fits your lifestyle.
Why Choose a Specialized Card for Amazon?
Amazon spending adds up quickly, often hitting thousands per year for frequent users. A card with bonus rewards on online or retail purchases can return hundreds in cash back or points. Plus, many offer welcome bonuses to kickstart your savings. But not all cards are equal: some require Prime membership, others have category caps, and a few shine with rotating bonuses. We'll cover the standouts, including how they stack up for non-Prime shoppers or those wanting flexibility.
Comparison of Top Cards
Here's a quick table to compare key features. Rates apply to Amazon purchases unless noted.
| Card Name | Rewards on Amazon | Annual Fee | Welcome Bonus | Key Perks | Best For |
|---|---|---|---|---|---|
| Prime Visa | 5% back (with Prime) | $0 | $150 Amazon Gift Card instantly | No foreign fees, purchase protection, 2% on gas/restaurants | Prime members who shop Amazon often |
| Amazon Prime Store Card | 5% back | $0 | $60 Amazon Gift Card | Special financing options | Prime members wanting Amazon-only use |
| U.S. Bank Shopper Cash Rewards Visa Signature | 6% back (up to $1,500/quarter on chosen retailers) | $0 first year, $95 after | $250 after $2,000 spend in 120 days | 3% on everyday category, flexible redemptions | High spenders choosing Amazon as a top retailer |
| Bank of America Customized Cash Rewards | 3% back (on online shopping category, up to $2,500/quarter) | $0 | $200 after $1,000 spend in 90 days | Boosted rates with Preferred Rewards | Custom category pickers |
| American Express Blue Cash Everyday | 3% back (U.S. online retail, up to $6,000/year) | $0 | $200 statement credit after $2,000 spend in 6 months | Car rental coverage, entertainment credits | Broad online shoppers |
| Discover it Cash Back | 5% back (when Amazon is rotating category, up to $1,500/quarter) | $0 | Cash back match at end of first year | Fraud protection, free credit score | Rotating category chasers |
| Chase Freedom Flex | 5% back (when Amazon is rotating category, up to $1,500/quarter) | $0 | $200 after $500 spend in 3 months | 3% on dining/drugstores, trip insurance | Flexible spenders with rotating bonuses |
This table highlights how cards vary in rewards potential and limits. For example, the Prime Visa offers unlimited 5%, while others cap quarterly.
Detailed Reviews of the Best Cards
Let's dive into each card's strengths, drawbacks, and real-user feedback. These picks prioritize high rewards on Amazon, low costs, and practical benefits for US users.
Prime Visa
This card, issued by Chase, is a top choice for Prime members. You need an active Prime subscription ($139/year), but the rewards make it worthwhile if you spend $800+ monthly on Amazon to offset the fee through savings.
Rewards break down like this: earn unlimited 5% back on Amazon.com, Amazon Fresh, Whole Foods, and Chase Travel purchases. Get 2% back on gas, restaurants, and local transit like rideshares. Everything else earns 1%. Rewards come as points (100 points = $1), redeemable for Amazon purchases, cash back, gift cards, or travel—flexible and fast, often available the next day.
There's no annual fee for the card, and the welcome bonus is a $150 Amazon Gift Card right after approval. Perks include no foreign transaction fees (great for international Amazon sites), purchase protection up to $500 per item for damage or theft within 120 days, extended warranty adding a year to eligible items, auto rental collision coverage, and lost luggage reimbursement up to $3,000.
Users on platforms like Reddit praise the quick redemptions and seamless Amazon integration. One common tip: link it to your account for easy use. However, if you cancel Prime, rewards drop to 3% on Amazon—still solid, but less competitive. Drawback: no intro APR on purchases, so pay in full to avoid high variable rates (19.49%-28.24%).
Overall, if Amazon is your main retailer, this card's unlimited high rate delivers strong value. Real example: spend $5,000 yearly on Amazon, earn $250 back—enough for a free flight or hotel night via Chase Travel.
Amazon Prime Store Card
Issued by Synchrony Bank, this is a closed-loop card usable only at Amazon. It's simple: 5% back on all Amazon purchases with Prime membership. No annual fee, and new users get a $60 Amazon Gift Card upon approval.
Benefits focus on financing: choose 5% back or special promo rates like 0% interest for 6-24 months on larger buys (over $50), but you forfeit rewards if picking financing. This suits big-ticket items like electronics.
User feedback from X highlights its ease for Amazon loyalists, but it's not boosted up, so it's boosted up for no use elsewhere. No other bonuses, like gas or dining. If you don't need versatility, it's a straightforward pick. Example: $2,000 Amazon spent yearly yields $100 back, directly applied to your account.
U.S. Bank Shopper Cash Rewards Visa Signature
Want higher than 5%? This card offers 6% cash back on two selected retailers each quarter, including Amazon, for a combined spending limit of $1,500; after that, it provides 1.5% cash back. Pick Amazon as one, and pair it with another like Walmart or Target for max value. Also, 3% on one everyday category (gas, utilities, etc.) up to $1,500/quarter, and 1.5% everywhere else.
The annual fee is $0 the first year and $95 after—waive it if rewards exceed that. Welcome bonus: $250 after $2,000 spent in 120 days. Perks: 5.5% back on hotels/cars via U.S. Bank Travel Center, ExtendPay for installment plans, and shopping deals at 1,100+ stores.
Reddit users note it's great for non-Prime folks, with 6% beating most. But quarterly caps mean it's best for moderate spenders (max $360/year at 6%). If your Amazon purchases top $6,000 annually, unlimited options like Prime Visa might edge it out. Example: $1,000 quarterly on Amazon at 6% = $60 back, plus flexibility.
Bank of America Customized Cash Rewards
Customize your rewards: choose online shopping as your 3% category (includes Amazon), up to $2,500 quarterly combined with 2% on grocery/wholesale clubs, then 1%. 1% on other spending. No annual fee, and a $200 bonus after spending $1,000 in 90 days.
If you're in Bank of America's Preferred Rewards (based on balances), rates boost up to 5.25% on the choice category for the Gold tier or higher. Perks: museum discounts, contactless pay, and fraud alerts.
User sentiments emphasize the choice factor; if online shopping is your top spend, it's ideal. Cap is $300/year at 3%, but boosted rates make it powerful for bank customers. Example: $10,000 annual Amazon spend at 3% = $300 back; with boost, up to $525.
American Express Blue Cash Everyday
Earn 3% on U.S. online retail (Amazon qualifies), up to $6,000/year, then 1%. Also 3% on U.S. supermarkets and gas up to $6,000 each. $0 annual fee, $200 credit after $2,000 spend in 6 months.
Perks: 15-month 0% intro APR on purchases/balance transfers (then variable), entertainment credits (Disney Bundle, Hulu), car rental loss coverage, and global assist hotline.
Feedback from forums: Solid for online-heavy spenders, with cap allowing $180/year on Amazon at 3%. Good starter card. Drawback: Rewards as statement credits or points, less flexible than cash. Example: $4,000 Amazon spend = $120 back.
Discover it Cash Back
5% back on rotating categories up to $1,500/quarter after activation—Amazon features in Q4 2025 (with drugstores). 1% other. No annual fee, and first-year cash back match (e.g., earn $200, get $400 total).
Perks: Free FICO score, freeze card instantly, no foreign fees.
Users love the match for newbies; if Amazon aligns with your quarter, it's unbeatable short-term. But unpredictable categories are a con. Example: $1,500 Q4 Amazon spend = $75 back, matched to $150 the first year.
Chase Freedom Flex
Similar to Discover: 5% on rotating categories up to $1,500/quarter—Amazon was Q2 2025. Always 5% Chase Travel, 3% dining/drugstores, and 1% other. $0 fee, $200 bonus after $500 spent in 3 months.
Perks: Purchase protection, trip cancellation up to $1,500, and cell phone coverage up to $800.
Reddit tips: Activate quarterly; great combo with other Chase cards for point transfers. Con: Categories may not always hit Amazon. Example: When active, $1,500 = $75 back.
Tips to Maximize Rewards on Amazon
- Stack with deals: Use your card during Prime Day or sales for double dips.
- Track categories: For rotating cards, activate and plan big buys.
- Redeem wisely: Cash back or Amazon credit often beats gift cards.
- Combine cards: Use one for Amazon, another for gas.
- Monitor spending: Stay under caps to avoid dropping to 1%.
- Check eligibility: Good credit (670+) is needed for most.
Common Mistakes to Avoid
Don't overlook fees; waivable ones like U.S. Bank's can add up. Avoid carrying balances; high APRs erase rewards. Skip if you rarely shop Amazon; general cash back cards like Wells Fargo Active Cash (2% everywhere) might suit better. Always verify terms, as rates can change.
Conclusion
For most US shoppers, the Prime Visa stands out with unlimited 5% and solid perks—if you have Prime. Non-Prime? Go for U.S. Bank Shopper's 6%. Pick based on your spend: High Amazon users want uncapped rates, while flexible folks like rotating options. Start by checking pre-approvals on official sites to see what fits. With the right card, your next Amazon order could pay you back. Ready to apply? Review your budget first.
Further Reading
- Official Chase Prime Visa Site: https://creditcards.chase.com/rewards-credit-cards/prime-visa
- Amazon Credit Cards Overview: https://www.amazon.com/compare-credit-card-offers
- U.S. Bank Shopper Cash Rewards: https://www.usbank.com/credit-cards/shopper-cash-rewards-visa-signature-credit-card.html
- Bank of America Customized Cash Rewards: https://www.bankofamerica.com/credit-cards/products/customized-cash-rewards-credit-card/
- American Express Blue Cash Everyday: https://www.americanexpress.com/us/credit-cards/card/blue-cash-everyday/
- Discover it Cash Back: https://www.discover.com/credit-cards/cash-back/it-card.html
- Chase Freedom Flex: https://creditcards.chase.com/cash-back-credit-cards/freedom/flex