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Best credit cards for shopping on Amazon in 2022

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Shopping online is an attractive option these days. Websites like Amazon.com make getting household supplies, gifts and groceries an absolute breeze. Pricing is more competitive than what you would pay in a store, and you’ll get free shipping on most purchases with an Amazon Prime membership.

Of course, you’ll do even better if you use a rewards credit card when you shop on Amazon. With a cash back card, travel card or co-branded Amazon card, you can earn rewards for each dollar you spend and qualify for consumer protections in the process.

To make the most of your online shopping with Amazon, it’s smart to compare some of the best cards available to help you maximize your purchases. Our guide to the best credit cards for Amazon can help.

Best credit cards to use on Amazon in 2022

We completed a comprehensive study on the best credit cards for Amazon, and here are the cards we recommend:

How we chose the best cards for Amazon shopping

While it can be lucrative to use any type of rewards credit card for Amazon purchases, some cards offer more rewards or better consumer protections than their competitors. For the purpose of this ranking, we focused on rewards rates and cards with no annual fee.

Scoring matrix

Factors we considered:

  • Ongoing rewards: We looked at the ongoing rewards rate each card offered on Amazon purchases, as well as any opportunities for bonus earnings. Cards that made our ranking offer an exceptional rewards value for consumers.
  • Sign-up bonus: We placed a high value on sign-up bonuses offered, especially ones that come with a low minimum spending requirement. Not all cards that made our ranking come with a bonus offer, but we prioritized ones that do.
  • Special financing offers: While we didn’t focus too much on interest rates, we did note cards that offer introductory 0 percent financing offers. With 0 percent APR on purchases, you can save money on interest as you pay for large Amazon purchases over 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 (such as 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.

Best credit cards for shopping on Amazon in 2022

Let’s take a look at some of the best rewards cards for shopping on Amazon.

Amazon Prime Rewards Visa Signature Card

The Amazon Prime Rewards Visa Signature Card is easily one of the best credit card options for shopping on Amazon, and it offers bonus points in more categories than many people realize. Currently, the Amazon Prime Rewards Visa Signature Card is offering a $150 Amazon gift card instantly upon approval, plus limited-time offers on select Amazon products.

  • Best for: Amazon and Whole Foods purchases, plus restaurant, gas station and drugstore purchases
  • Credit needed: Good to excellent
  • Rewards rate: Prime members earn 5 percent back at Whole Foods Market and Amazon; 2 percent back at restaurants, gas stations, and drugstores; and 1 percent back on all other purchases
  • Annual fee: $0 (with an eligible Prime membership)

Our take: This card is hard to beat if you shop at Amazon and Whole Foods since you’ll earn an unlimited 5 percent back at both. The additional 2 percent categories are simply icing on the cake and could be lucrative if you spend a lot at restaurants and gas stations. We wish this card had a better welcome bonus, but a free gift card is certainly better than nothing.

You’ll also be able to get extra savings on Prime Day with this card, such as more cash back or exclusive deals. This benefit alone could easily lead to hundreds of dollars in savings depending on the deals you score.

Also note that, while you’ll receive the best rate of return as an Amazon Prime member, this card is available in a nonmember version, the Amazon Rewards Visa Signature Card. This card earns 3 percent back at Whole Foods and Amazon; 2 percent back at restaurants, gas stations and drugstores; and 1 percent back on all other purchases.

Amazon Prime Store Card

The Amazon Prime Store Card is available to eligible Amazon Prime members, and it can only be used for purchases on Amazon and Amazon-owned brands, like Audible and ComiXology. This card is a smart option if you would like flexible financing options for Amazon purchases, as the card allows you to buy now and pay over time. Plus, you can receive a $60 Amazon gift card upon approval.

  • Best for: Amazon purchases and 0 percent financing on Amazon purchases for up to 24 months (25.99 percent variable APR after)
  • Credit needed: Good to excellent
  • Rewards rate: 5 percent cash back on all Amazon purchases
  • Annual fee: $0 (with an eligible Prime membership)

Our 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 Amazon. The 5 percent cash back rate is hard to beat, and the 0 percent financing option for up to 24 months can be a boon for your finances (25.99 percent variable APR after).

The Amazon Prime Store Card also typically offers special Prime Day deals, such as more cash back on select purchases or access to exclusive offers.

However, although there are Prime Day discounts and a decent sign-up bonus, you have to consider the limitations of this card before applying. Besides the fact that you can’t use this card everywhere you shop, the biggest downside of this card is its lack of benefits. That’s why this card is best for someone who dominantly shops on Amazon.

Lastly, note that the Amazon Prime Store Card also comes in a nonmember version, the Amazon Store Card. This nonmember card includes the same financing options, no annual fee and a $60 gift card instantly upon approval, but it lacks the Prime benefits.

Citi Custom Cash Card

The Citi Custom Cash card is a part of a lineup of Citi cards offering special financing terms for Amazon purchases. The payment plan you’re offered depends on how much you spend, and all plans come with a fixed promo APR (6.74 percent to 8.74 percent, depending on the plan). It also includes an attractive welcome offer: 20,000 ThankYou Points (worth $200 in cash back) after you spend $750 on purchases within the first three months.

  • Best for: 5 percent cash back on your biggest spending category
  • Credit needed: Good to excellent
  • Rewards rate: 5 percent cash back (on up to $500 each billing cycle, then 1 percent) on your top spending category each billing cycle
  • Annual fee: $0

Our take: The Citi Custom Card card is a contender among cash back cards that offer higher rates for select categories. The main difference with this card is that your biggest spending category determines what you’ll get the 5 percent cash back on. Rewards are earned as Citi ThankYou points and can be redeemed for eligible purchases on Amazon via Shop with Points, which can make the card even more attractive for your Amazon shopping.

Additionally, Amazon’s partnership with Citi has led to some noteworthy Prime Day offers. For example, in 2021, eligible Citi cardholders were able to pay over time at 0 percent APR for up to 12 months on eligible Amazon purchases. So, be sure to look out for more Prime Day offers this year.

Plus, this card offers reasonable terms for a cash back card with no annual fee: 0 percent APR for 15 months on balance transfers and purchases (13.99 percent to 23.99 percent variable APR thereafter).

Discover it Cash Back

The Discover it Cash Back is a dynamic cash back credit card that makes it easy to earn 5 percent back on up to $1,500 spent in categories that rotate every quarter, after which you’ll earn 1 percent back (activation required). Amazon is one of those rotating categories.

If you check out the Discover cash back bonus calendar, you’ll find that, in the fourth quarter (October through December), Amazon has been one of the bonus category options for the last few years. In 2022, you can still earn 5 percent back on Amazon purchases during the fourth quarter, in addition to 5 percent back on digital wallets.

  • Best for: Everyday spending and 5 percent bonus categories
  • Credit needed: Good to excellent
  • Rewards rate: 5 percent cash back on first $1,500 spent in categories that rotate every quarter (then 1 percent, activation required), plus 1 percent back on all other purchases. Also, Discover automatically matches the cash back you earn in the first year
  • Annual fee: $0

Our take: Receiving 5 percent back on Amazon purchases over the holiday season might make this card a winner, but it’s even more exciting that Discover will match the cash back you earn during your first year. So, if you spend $1,500 on Amazon purchases over the holidays this year, you’ll earn $75 in cash back. And if you’re a new cardholder, your cash back will be matched, so you’ll earn $150 in cash back for that quarter. Also, note that you can redeem points earned with this card for cash back or purchases made on Amazon.

As a bonus, this card also gives you a 0 percent intro APR on purchases and balance transfers for 15 months, followed by a variable APR of 11.99 percent to 22.99 percent. This introductory offer can help you pay down your holiday Amazon purchases without interest for more than a year.

Chase Freedom Unlimited

The Chase Freedom Unlimited is a solid card choice for all your purchases, and this includes everything you buy on Amazon. You’ll earn a flat rate of at least 1.5 percent back on all purchases (including Amazon purchases), plus bonus rewards on dining, drugstore purchases and travel booked through Chase.

Also, the current welcome offer available through Bankrate allows you to earn an extra 1.5 percent back on top of all categories’ existing cash back rates (on up to $20,000 in purchases) for the first year, meaning you could earn 3 percent to 6.5 percent back depending on the category. For Amazon, that means you’ll earn 3 percent back on all purchases during your first year.

  • Best for: Everyday spending; travel through Chase; dining and drugstore purchases
  • Credit needed: Good to excellent
  • Rewards rate: Earn 1.5 percent back on all purchases (including Amazon); 3 percent back on drugstore purchases and dining; 5 percent back on travel booked through Chase Ultimate Rewards; and 5 percent back on Lyft purchases (through March 31, 2022)
  • Annual fee: $0

Our take: The Chase Freedom Unlimited is a great no-annual-fee cash back card regardless of which categories you spend the most in. But it can be fruitful if you plan to spend a lot on Amazon, particularly if you take advantage of Bankrate’s welcome offer for the card, which allows you to earn 3 percent back on all purchases, including Amazon purchases, for the first year.

This card allows you to redeem your rewards in many different ways, such as for travel, cash back, gift cards, merchandise and Amazon purchases (via Shop with Points). As a bonus, the card also includes a 0 percent intro APR offer on purchases for 15 months (followed by a variable APR of 14.99 percent to 23.74 percent), allowing you to save on interest if you need to pay over time.

Also, you may be able to access exclusive Prime Day offers with your card. For example, a 2021 offer included 50 percent off on purchases when you use Chase Ultimate Rewards points (maximum discount of $15). To access exclusive offers like this one, be sure that your eligible Chase card is linked to your Amazon account. Then, simply activate the promotion and pay for at least a portion of your order with Chase Ultimate Rewards points.

Citi Double Cash Card

Finally, don’t forget about the Citi Double Cash Card. This card is ideal for Amazon purchases and all of your shopping due to its high flat rewards rate. There’s also no annual fee and a 0 percent introductory APR on balance transfers for 18 months.

  • Best for: Amazon purchases and everything else you buy
  • Credit needed: Good to excellent
  • Rewards rate: Earn a flat 2 percent back on everything you buy—1 percent when you make a purchase and another 1 percent when you pay it off on time
  • Annual fee: $0

Our take: The Citi Double Cash Card is a good option for all of your shopping, including purchases you make on Amazon. The 2 percent rewards rate is spectacular, and you’ll never have to worry about bonus categories or earning caps. You’ll also get the chance to earn rewards without paying for an annual fee.

As far as redemption goes, you can redeem rewards for statement credits, a direct deposit, a check or Citi ThankYou points. If you redeem your rewards for points, you can use your points to shop on Amazon (via Shop with Points).

Also, you may want to consider this card if you want to consolidate debt from other high-interest cards. When you sign up, you’ll get a 0 percent intro APR on balance transfers for 18 months, followed by a variable APR of 13.99 percent to 23.99 percent. A 3 percent balance transfer fee (minimum $5) will apply if you take advantage of this offer during the first four months.

How to maximize rewards earned by shopping on Amazon

Before you sign up for a card to use on Amazon, it helps to have a plan in place that will help you earn more rewards over time. This is good advice all year long, but especially when holiday season rolls around.

Maximize rewards on Prime Day

First off, you should do your best to make the most of Prime Day. Although the Prime Day 2022 dates haven’t been announced yet, the event will likely occur sometime in June, as it has in the past. This epic sale can help you score deep discounts on electronics and other eligible Prime Day options. The more you buy, the more you can potentially save.

To maximize rewards on Prime Day, you’ll need to start by picking the right credit card for all of your Amazon purchases. Here are our tips:

  • Choose a card that fits your spending style. First, make sure you choose a rewards credit card that lets you earn more rewards on Amazon purchases, as well as other places you shop. You can choose a card with bonus categories or a flat-rate rewards structure, but you should run the numbers on your normal spending to see which kind of card would leave you better off.
  • Make sure you earn your sign-up bonus, if applicable. If the rewards credit card you pick offers a sign-up bonus, make sure to meet the minimum spending threshold during the bonus period. If you fail to reach the threshold on time, you’ll lose out on the bonus points.
  • Add your new credit card to your Amazon account. Once you have a credit card for Amazon purchases, make sure to add it to your Amazon account and set it as your default payment method. This way, your card will be ready and waiting for you when you’re shopping for deals.
  • Consider pairing more than one card. If you’re stuck between two cards and can’t figure out which one you want, don’t be afraid to pair rewards credit cards to get the bonus categories and cardholder benefits you want the most. You may want one card for Amazon and a different rewards card for all of your other spending, and that’s perfectly fine.

The bottom line

Shopping online is more convenient than ever, and Amazon can help you find the lowest prices and score free shipping in the process. However, you’ll do significantly better than that if you’re strategic about which credit card you use for online shopping. The best credit cards for Amazon let you earn rewards on spending and qualify for consumer protections to boot, so compare your options until you find a card you’re excited to use.

The information about Amazon Prime Rewards Visa Signature Card and Amazon Prime Store Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

Written by
Holly D. Johnson
Author, Award-Winning Writer
Holly Johnson writes expert content on personal finance, credit cards, loyalty and insurance topics. In addition to writing for Bankrate and CreditCards.com, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and more.
Edited by
Senior Editor