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According to Consumer Intelligence Research Partners, Amazon Prime membership grew to a staggering 90 million members in 2017. Even more interesting is the fact that Amazon Prime members spent around $1,300 on Amazon.com purchases whereas shoppers who aren’t Amazon Prime members spent approximately $700 at the online store last year.

That’s a lot of dough to spend with a single retailer, yet it’s easy to see why consumers love the convenience and free shipping Amazon.com offers. Still, some consumers may want to maximize their Amazon purchases with a rewards credit card.

According to our analysis, the best credit cards for Amazon.com purchases this year include:

Scoring matrix

While it can pay off to use any rewards or travel credit card for Amazon purchases, some cards offer more rewards and a better suite of perks than their competitors. We also looked for cards with no annual fee, although we didn’t place an emphasis on interest rates since we don’t suggest you pursue rewards if you plan to carry a balance.

Factors considered:

  • Ongoing rewards: We looked at the ongoing rewards rate each card offered on Amazon.com purchases as well as any opportunities for bonus earnings.
  • Signup bonus: We placed a high value on signup bonuses offered, especially ones that come with a low minimum spending requirement.
  • Special financing offers: While we didn’t focus too much on interest rates during our study, we did note cards that offer 0% financing offers for a limited time.
  • Annual fee: Since paying an annual fee on a credit card reduces your rewards haul, we gave preference to cards that don’t charge one.
  • Redemption options: We selected cards that let you redeem your rewards in more than one way (i.e. the option to redeem for gift cards, travel, or cash-back). We also gave preference to cards that let you redeem points for purchases made on Amazon.com.

Editor’s Picks: Best Credit Cards for Amazon in 2018

Amazon Prime Store Card

The Amazon Prime Store Card can only be used for Amazon.com purchases and only if you’re an eligible Prime member. This card is a smart option if you already have a credit card you use elsewhere and if you need special financing options. On special Amazon-sold items, this card offers 0% financing and equal payments for 12 months.

  • Best For: Amazon.com purchases and 0% financing.
  • Credit Needed: Good/Excellent
  • Rewards Rate: 5% cash-back on all Amazon.com purchases.
  • Annual Fee: $0

Editor’s Take: The Amazon Prime Store Card isn’t a traditional credit card that can be used anywhere, but it can be uniquely helpful for individuals who only want a card they can use on the online store. The 5% cash-back rate is hard to beat and getting 0% financing for up to 12 months can be a boon for your finances.

Amazon Prime Rewards Visa Signature Card

The Amazon Prime Rewards Visa Signature Card is another ideal option for Amazon, yet this card offers a broader opportunity for rewards compared to its store card cousin. While you’ll receive the best rate of return if you’re an Amazon Prime member, you can apply even if you’re not. You may also earn a signup bonus when you apply for this card; while the offer changes periodically, you’ll currently receive a $70 Amazon.com gift card upon account approval.

  • Best For: Amazon and Whole Foods purchases, gas, dining, and drugstores.
  • Credit Needed: Good/Excellent
  • Rewards Rate: Prime members earn 5% back at Whole Foods and Amazon, 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases; non-members earn 3% back at Whole Foods and Amazon, 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases.
  • Annual Fee: $0

Editor’s Take: This card is hard to beat if you shop at Amazon and Whole Foods since you’ll earn an unlimited 5% back at both. The additional 2% categories are simply icing on the cake but could be lucrative if you spend a lot at restaurants and gas stations. We wish this card offered a better signup bonus, however.

Discover it Cash Back

Discover it® Cash Back is a dynamic cash-back card that makes it easy to earn 5% back in categories that rotate every quarter. In 2018, after enrollment, you can earn 5% back on your first $1,500 spent on Amazon.com and wholesale club purchases made in the final quarter of the year. Savvy cardholders who can utilize this card’s bonus categories can rack up rewards fast.

  • Best For: Everyday spending and 5% bonus categories.
  • Credit Needed: Good/Excellent
  • Rewards Rate: 5% cash back on first $1,500 spent in categories that rotate every quarter (enrollment required) plus 1% back on all other purchases; for a limited time, also get double the cash back you earn in the first year.
  • Annual Fee: $0

Editor’s Take: The 5% back on Amazon purchases over the holiday season might make this card a winner, but it’s even more exciting that you get double the cash back you earn during the first year. Also keep in mind that you can redeem points earned with this card for cash-back or for purchases made on Amazon.

Chase Freedom

The Chase Freedom® card is another smart cash-back card that offers rotating bonus categories in addition to a flat rate of rewards for all purchases. This card’s $150 signup bonus after you spend $500 on your card within three months of account opening is a nice welcome bonus. The fact that you can redeem points for cash-back, travel, gift cards, or Amazon.com purchases also makes this card a contender.

  • Best For: Everyday spending and 5% bonus categories.
  • Credit Needed: Good/Excellent
  • Rewards Rate: Earn 5% back on the first $1,500 spent in categories that rotate every quarter plus 1% back on all other purchases.
  • Annual Fee: $0

Editor’s Take: While Chase hasn’t announced its Chase Freedom 5% bonus categories for the final quarter of the year yet, there’s a good chance they’ll include Amazon.com purchases since they have in the past. Either way, this card is a solid cash-back option that lets you earn at least 1% back on all purchases and a signup bonus with the opportunity to redeem points on Amazon.com.

How to maximize your rewards

Before you sign up for a card to use on Amazon.com, it helps to have a plan in place that will help you earn more rewards over time. Whether you wind up with a cash-back card or a travel rewards card, the following tips can help you get more bang for your buck:

  1. Choose a card that fits your spending style. Make sure to compare cards and offers that can help you earn points on Amazon.com purchases. The best cards come without an annual fee but with ample opportunity for rewards. Cards that let you redeem points in more than one way — for instance as statement credit or as gift cards — should also be considered.
  2. Make sure you earn your signup bonus, if applicable. If your card offers a signup bonus, make sure you meet the minimum spending requirement in the allotted amount of time. Doing so can net you a much higher rate of return on all your purchases. With the Chase Freedom, for example, you get $150 back if you spend $500 on your card within three months of account opening. That works out to 30% back for every $1 spent!
  3. Add your new credit card to your Amazon.com account. To earn extra rewards on Amazon.com purchases, make sure to add your credit card to your Amazon.com account. If you forget, you’ll miss out.
  4. Pay attention to bonus categories. If your new rewards card offers “bonus categories” that change each quarter, make sure you’re maximizing them. Earning 5% back can add up quickly, and most cards with this benefit make these categories broad ones most people use (i.e. dining, grocery stores, wholesale clubs, etc.).

The bottom line

If you’re angling to get the most out of your Amazon.com purchases this year, getting a rewards credit card that lets you maximize your purchases can help. Not only can you score free shipping if you’re an Amazon Prime member, but you can earn 1% to 5% cash-back on your Amazon.com purchases as well as purchases made elsewhere.

Before you sign up for a card, however, make sure you have taken a holistic look at your spending style and goals. Most cards that let you earn bonus points on Amazon.com purchases focus on cash-back, but there are lucrative travel rewards cards you can consider as well. With enough research, you will ideally end up with the perfect rewards card for your needs.

Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.