How to earn up to 25% cash back on Amazon

Amazon cardholders with an active Amazon Prime membership can take advantage of a little-known benefit: Up to 25 percent cash back. These “Prime Card Bonus” promotions of 10 to 25 percent cash back are only available to these cardholders on eligible purchases of select Amazon products — referred to as “Top Picks” on the site.

Here’s everything you need to know about Amazon’s Prime Card Bonus deals, including how to determine if you’re eligible, how to locate the qualifying products and how the deals will be applied.

How can you earn up to 25% cash back?

Currently, three Amazon credit cards are eligible for up to 25 percent cash back on select items:

• Prime Visa
• Amazon Prime Store Card
• Amazon Prime Secured Card

None of these cards require an annual fee, but you’ll need to have an Amazon Prime membership, which currently costs $139 per year (or $14.99 per month).

Eligible Amazon credit cardholders with active Prime memberships can earn up to 25 percent cash back by purchasing products featured on the Prime Card Bonus page, which can be filtered by department, cash back amount and product rating.

Usually, Prime Card Bonuses are limited to 10 percent to 15 percent back on select products in different categories. However, the discount does increase to 25 percent at certain points throughout the year, such as during Amazon Prime Day — currently running from July 8-11, 2025. The increased cash back also regularly coincides with the holiday shopping season, so it’s wise to regularly check Amazon’s Prime Card Bonus page for items eligible for higher cash back.

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How is the up to 25% back deal applied?

The 25 percent back includes the 5 percent cash back you’d normally earn on Amazon purchases with the Prime Visa, Amazon Prime Store Card or Amazon Prime Secured Card.

For example, if you see a deal for 15 percent back on a Sony TV, you’ll earn 15 percent cash back total on that purchase with your eligible credit card — not 15 percent cash back plus the 5 percent cash back you’d normally earn with your card on Amazon purchases.

The bonus cash back rewards will be posted to your account within a week of the transaction and be available to use within one to two billing cycles.

Which items are eligible for up to 25% cash back?

When you navigate to Amazon’s Prime Card Bonus page, the qualifying purchases can be narrowed down by selecting “25% back total” in the left column. If you don’t see a “25% back total” option, you’ll have to check back or select a lower cash back deal.

Categories typically include electronics, office supply products, toys, beauty products, kitchen appliances, furniture and more. The electronics category can be particularly valuable, with bonus cash back frequently offered on select phones, laptops, tablets and more. In the home and kitchen category, you can enjoy cash back on essential household appliances — past items have included Breville espresso machines and Vitamix blenders — and select furniture items.

Considering the cost of some of these products, up to 25 percent off by means of cash back can translate to substantial savings. Plus, many of these products are already on sale, making the Amazon cash back bonus even more attractive.

Best credit cards for Prime card bonus deals

Best credit cards for Prime card bonus deals

Prime Visa

• Bankrate’s take

  If you want to earn rewards on purchases made outside of Amazon, the Prime Visa is the best of the three eligible card options. If you’re already a Prime member and do a lot of shopping on Amazon, this card is a good pick to maximize your cash back on Amazon purchases. The additional Prime card deals on an array of items are simply icing on the cake for those who know they’ll be clicking “Buy Now” on a regular basis.

• Details

  • Rewards: 5 percent cash back at Amazon.com, Whole Foods Market, Amazon Fresh and Chase Travel^SM with an eligible Prime membership and 2 percent cash back at restaurants, gas stations and on local transit and commuting (including rideshare). All other purchases earn 1 percent cash back.
  • Welcome offer: Limited-Time Offer: Get a $250 Amazon Gift Card instantly upon approval exclusively for Prime members through 7/14

Best for new credit builders

Amazon Secured Card

• Bankrate’s take

  If you need to build your credit and have an Amazon Prime account, the Amazon Prime Secured Card is worth considering.

  In the event you’ll need to carry a balance, this card also includes a low fixed APR of 10 percent, among other benefits. However, keep in mind that this card is also a closed-loop store credit card, so you can only use it for Amazon spending.

• Details

  • Rewards rate: 2 percent cash back at Amazon.com purchases with an eligible Prime membership
  • Welcome offer: None
  • Minimum security deposit: $100 (maximum is $1,000)
  • Annual fee: $0

The bottom line

Amazon’s Prime Card Bonus of up to 25 percent on select items is a great way to score extra savings on your purchases. The online mega retailer is already a deal hotspot and these offers can help you save even more than you already will with an eligible Amazon credit card. To score a bonus deal, make sure to regularly check Amazon’s Prime Card Bonus page for limited-time promotions.

*All information about the Amazon Prime Store Card and Amazon Prime Secured Card has been collected independently by Bankrate.com and has not been reviewed or approved by the issuer.