Whether you shop online all the time or every once in a while, picking up a rewards card for this purpose is a smart move. You’ll get the chance to earn cash back or other rewards for all your online shopping, and you’ll also get the consumer protections that come with paying with plastic, including zero fraud liability for fraudulent purchases.

If you’re an Amazon.com enthusiast with an Amazon Prime membership, or you’re someone who frequently shops at Whole Foods (online or in person), the Amazon Prime Rewards Visa Signature Card* is easily one of the top cards you’ll want to consider.

This card offers a sky-high rate of cash back (5 percent) on Amazon.com purchases and shopping at Whole Foods, plus you’ll earn rewards at restaurants, gas stations and drugstores. Read on to find out how the Amazon Prime Rewards Visa Signature Card can help you maximize your cash back rewards when you shop online on Amazon.com and elsewhere.

Earn 5% back when you shop online with the Amazon Prime Rewards Visa Signature Card

Many cash back credit cards offer up to 2 percent back on everything you buy, but that doesn’t come close to this card’s rate for purchases with the online retailer. In fact, cardholders with the Amazon Prime Rewards Visa Signature Card earn 5 percent back on online purchases with Amazon.com or Amazon Fresh, plus the same rate on Whole Foods Marketplace and purchases in their brick-and-mortar stores.

Let’s say you spend $300 per month on household essentials and other purchases with Amazon.com, plus another $800 on online food delivery through Whole Foods or Amazon Fresh. In this case, you could earn $55 per month in cash back on those purchases, or $660 in cash back over the course of 12 months.

And remember, that’s on top of the rewards you can earn for other spending. If you use this card for daily purchases and bills, you’ll also rack up 2 percent back at restaurants, gas stations and drugstores and 1 percent back on everything else you buy.

Select purchases with the online retailer net 10% cash back (or more)

This cash back credit card also offers a “Prime Card Bonus” that translates to 10 percent back (and potentially more) on eligible purchases through the online retailer. While the deals that qualify change all the time, they often include popular electronics, clothing, small furniture, shoes, cookware and other items you might normally buy.

Some of the Prime Card Bonus items available as of this writing include Norton 360 anti-viral software, 75-inch flat screen televisions, stainless steel cookware and home decor.

There’s no annual fee and no foreign transaction fees

You won’t pay an annual fee for the Amazon Prime Rewards Visa Signature Card, nor will you pay foreign transaction fees if you use it for purchases abroad.

This means the rewards you earn with online shopping are entirely yours for “free” — at least, they can be if you pay your credit card bill in full each month and avoid paying interest on purchases.

Redeem your rewards for Amazon.com merchandise, statement credits and more

Also, note that you can redeem your rewards for a few different options that appeal to online shoppers everywhere. Specifically, you can use rewards for eligible purchases at Amazon.com, which could include nearly anything you want to buy online.

Other redemption options include statement credits to your credit card account or electronic deposits to an eligible checking or savings account held in the United States. Cardholders can even redeem rewards for travel, gift cards and eligible products and services that may change over time.

The bottom line

If you shop online with Amazon.com (and, who doesn’t?), you’ll almost certainly benefit from signing up for the Amazon Prime Rewards Visa Signature Card. Doing so will net you 5 percent back on millions of different products, and you can even earn 10 percent cash back (and potentially more) on eligible Prime Card Bonus specials.

Since there’s no annual fee, and applicants get a $150 Amazon.com gift card upon account approval, the Amazon Prime Rewards Visa Signature Card is easily one of the best credit cards for online shopping enthusiasts everywhere.

If you’re ready to learn more about this card, check out our Amazon Prime Rewards Visa Signature Card review and benefits guide. Doing so can help you decide if this card is worth it or if you should consider other cash back credit cards instead.

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