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The best credit cards for Amazon purchases of July 2021:
If you’re a frequent Amazon shopper, you’ll want to use a credit card that earns the most rewards for your spending to get an even better deal on your purchases.
Here are the
to use at Amazon in 2021.
Earn 5% back at Amazon and Whole Foods: Amazon Prime Rewards Visa Signature Card
The Amazon Prime Rewards Visa Signature Card offers 5% cash back on Amazon and Whole Foods 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.
New cardholders who apply for the Amazon Prime Rewards Visa Signature Card will instantly receive a $150 Amazon gift card upon account approval. Cardholders can also earn 5% cash back at Zappos.com until September 21, 2021.
The Amazon Prime Rewards Visa Signature Card also earns 2% cash back at restaurants, gas stations, and drugstores. 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.
Earn 2% cash back at Amazon and everywhere else: Citi® Double Cash Card
13.99% – 23.99% (Variable)
2% cash back on all purchases
0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
Balance Transfer Fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
If you prefer a versatile cash-back credit card with a solid earning rate at Amazon (and everywhere else), the Citi® Double Cash Card is hard to beat. You’ll earn 2% back (1% at the time of purchase and 1% when you pay your bill) on all purchases, with no limit to what you can earn.
Because the Citi® Double Cash Card has no annual fee, it’s a good card to keep for the long term. You can also convert your cash rewards into Citi ThankYou points, which you can redeem for travel, gift cards, merchandise, and more.
Often includes Amazon as a bonus category: Chase Freedom Flex℠
14.99% – 23.74%
Good to Excellent
$200 Bonus after you spend $500 on purchases in your first 3 months from account opening
0% for the first 15 billing cycles
Sometimes those categories include Amazon purchases, in which case the Chase Freedom Flex℠ is a great option for shopping on that site. In 2020, Amazon was a bonus category from July to September — but we don’t yet know if or when Amazon will appear in 2021.
50% bonus if you make 30 purchases each billing period: Amex EveryDay® Preferred Credit Card from American Express
12.99% to 22.99% Variable
The Amex EveryDay® Preferred Credit Card from American Express is a solid choice for Amazon purchases. The card earns 1 American Express Membership Rewards point per dollar spent on non-bonus category spending, which includes Amazon. So why use it if you’re just earning 1 point?
One reason is that Amex Offers often runs bonus-point promotions for Amazon purchases. All you have to do is check the currently available Amex Offers** via a tab under your account. If you’re eligible, just register and make purchases with your card to earn those extra points.
Additionally, Amex EveryDay® Preferred Credit Card cardholders earn 50% bonus points every billing period when they charge 30 or more purchases to the card. So if you charge at least one purchase per day on the Amex EveryDay® Preferred Credit Card, you’ll essentially earn at least 1.5 points per dollar spent.
See Pay Over Time APR
75,000 points after you spend at least $5,000 in your first 6 months of card membership
It doesn’t earn bonus points at Amazon (unless your account is eligible for an Amex Offer** for bonus points at Amazon), but The 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 (See Rates), so it’s not worth getting for this benefit alone, but if you can take advantage of benefits like annual statement credits for Uber, airline incidental fees, and Saks purchases, not to mention airport lounge access, it can be a great option.
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.
Read more: The best American Express cards of 2021
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:
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 Aspire Card
offers an additional annual weekend night reward after you spend $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.
Another option is to put your Amazon spending on a Southwest credit card in order 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 125,000 qualifying Southwest points in a calendar year, and points earned via credit card sign-up bonuses and spending count towards this requirement. However, for 2021, Southwest has added 25,000 Companion Pass qualifying points Rapid Rewards accounts that were open as of December 31, 2020 — effectively reducing the requirement to just 100,000 points in 2021.
You can earn welcome bonuses on the following Southwest credit cards. Note that you can only have one personal Southwest co-branded card at a time.
- Southwest Rapid Rewards Plus Credit Card — 65,000 points after you spend $2,000 on purchases in the first 3 months
- Southwest Rapid Rewards® Premier Credit Card — 65,000 points after you spend $2,000 on purchases in the first 3 months
- Southwest Rapid Rewards Priority Credit Card — 65,000 points after you spend $2,000 on purchases in the first 3 months
- Southwest Rapid Rewards Premier Business Credit Card — 60,000 points after you spend $3,000 in the first three months from account opening
- Southwest Rapid Rewards Performance Business Credit Card — 80,000 points after you spend $5,000 on purchases within the first 3 months of account opening
If you earned the welcome bonus from one of these cards and used it for everyday spending, including Amazon purchases, you could get within easy reach of the Southwest Companion Pass. You could also earn a bonus from one personal Southwest card and one business Southwest card, which would make qualifying even easier.
Ariana Arghandewal is a travel rewards expert and content strategist. She launched her award-winning travel blog, Pointchaser, in 2012.
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