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The best credit cards for Amazon purchases of July 2021

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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

best credit cards
to use at Amazon in 2021.

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

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  • Pros & Cons
  • Details

  • Pros
    • 5% cash back at Amazon and Whole Foods is hard to beat
    • Earns 2% cash back on other popular categories (restaurants, gas stations, drugstores)
    • No annual fee (though you have to be an Amazon Prime member)
    Cons
    • Other cards offer higher cash-back rates on non-Amazon purchases
    • 5% Back at Amazon.com and Whole Foods Market with an eligible Prime membership*
    • 2% Back at restaurants, gas stations, and drugstores
    • 1% Back on all other purchases
    • No annual credit card fee
    • No foreign transaction fees

    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.

    Read more: Amazon Prime Rewards Visa Signature card review: Prime members should strongly consider applying — if only for the 5% cash back on all Amazon and Whole Foods 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

    Regular APR

    13.99% – 23.99% (Variable)

    2% cash back on all purchases

    Intro APR

    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.

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  • Pros & Cons
  • Details

  • Pros
    • No annual fee
    • Simple earning structure without confusing bonus categories
    Cons
    • Some cards earn higher rates of cash back on rotating categories
    • No sign-up bonus
    • If you don’t have any account activity for 12 months, unredeemed rewards can expire
    • While it offers a 0% introductory APR for 18 months, that’s only on balance transfers, not purchases, so you can’t use it to fund a major expense without interest. After those 18 months, it’s a 13.99% – 23.99% (Variable) APR.
    • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
    • To earn cash back, pay at least the minimum due on time.
    • Balance Transfer Offer: 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 Transfers do not earn cash back.
    • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
    • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.


    Read Our Review
    Read Our ReviewA looong arrow, pointing right

    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

    Read more: Citi Double Cash card review: One of the best cash-back cards has no annual fee, and 0% intro APR on balance transfers for 18 months

    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℠

    Regular APR

    14.99% – 23.74%

    Credit Score

    Good to Excellent

    Featured Reward

    $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

    Intro APR

    0% for the first 15 billing cycles

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  • Pros & Cons
  • Details

  • Pros
    • No annual fee
    • Generous bonus cash-back categories
    • Great welcome bonus
    Cons
    • Booking through Ultimate Rewards portal can restrict outside earning potential
    • Varying percentages and rotating calendar categories require extra attention
    • 3% foreign transaction fees
    • Earn a $200 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!
    • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases.
    • No annual fee.
    • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 – 23.74%.
    • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.


    Read Our Review
    Read Our ReviewA looong arrow, pointing right

    The Chase Freedom Flex℠ offers 5% cash back on the first $1,500 (then 1%) spent on rotating bonus categories every quarter, once you activate the bonus each quarter via your card account.

    Read more: Chase Freedom Flex review: Taking a great cash-back card and making it even better

    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

    Regular APR

    12.99% to 22.99% Variable

  • Pros & Cons
  • Details

  • Pros
    • Strong rewards at US supermarkets
    • You can earn a 50% points bonus each billing period when you make at least 30 purchases
    Cons
    • Annual cap on earning bonus rewards at US supermarkets
    • Not the best option for earning rewards outside of US supermarkets and US gas stations — especially if you don’t make at least 30 purchases per billing statement to earn the bonus
    • The information for the Amex EveryDay Preferred Card has been collected independently by Business Insider, and has not been reviewed or provided by the card issuer
    • 3x points at US Supermarkets
    • 2x points at US gas stations
    • 1x points on all other eligible purchases
    • Use your Card 30 or more times on purchases in a billing period and earn 50% extra points on those purchases less returns and credits. Terms apply.

    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?

    Read more: Amex EveryDay Preferred review: A good card for earning Amex travel points, and it gets even better if you use it 30 times a month

    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. 

    Regular APR

    See Pay Over Time APR

    Featured Reward

    75,000 points after you spend at least $5,000 in your first 6 months of card membership

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  • Pros & Cons
  • Details

  • Pros
    • Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
    • Annual statement credits with Saks and Uber
    Cons
    • Bonus categories leave something to be desired
    • One of the highest annual fees among premium travel cards
    • Earn 75,000 Membership Rewards® Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.
    • Earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s an additional 9 points on top of the 1 point you earn for these purchases.
    • Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member and Additional Centurion Cards only.
    • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
    • 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
    • Enjoy complimentary access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
    • Receive complimentary benefits through American Express Travel with an average total value of $550 with Fine Hotels & Resorts® program at over 1,100 properties. Learn More.
    • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
    • $550 annual fee.
    • Terms Apply.


    Read Our Review
    Read Our ReviewA looong arrow, pointing right

    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.

    Read more: Amex Platinum card review: The best card for airport lounge access and other high-end travel perks

    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.

    Read more: I was hesitant to pay the Hilton Aspire card’s $450 annual fee, but I got $3,700 in value toward travel in my first year

    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.

    Read more: 5 credit card pairings that get you even more benefits and rewards — in most cases, with just one annual fee

    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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