7 best Amazon credit cards in April 2024
Updated 9:16 AM EDT, Thu January 18, 2024
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No matter the time of year, shoppers flock to Amazon. Whether it’s to buy a holiday present, new mattress or even pet food, making a purchase at Amazon is very much in the cards for most.
When you’re ready to pay for your Amazon purchases, using the right credit card is vital. On top of any daily deals you’re snagging, you could earn extra cash back or travel rewards to put toward future vacations, or you might want a card that extends the manufacturer’s warranty in case of loss or damage.
So, which card should you use? We’ve gone through dozens of options and picked out seven of the best credit cards for your Amazon purchases. Our list offers an array of cash back, points and perks — a card for everyone depending on your needs.
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Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
The best credit cards for Amazon in April 2024
- Citi Double Cash® Card: Best for everyday cash back
- Chase Freedom Unlimited®: Best for flexible rewards
- Blue Cash Preferred® Card from American Express * The information for the Blue Cash Preferred® Card from American Express has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. : Best for Amazon gift cards
- Prime Visa * The information for the Prime Visa has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. : Best for Amazon Prime members
- American Express® Gold Card * The information for the American Express® Gold Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. : Best for purchase protections
- Capital One Venture Rewards Credit Card * The information for the Capital One Venture Rewards Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. : Best for travel rewards
- Amazon Business Prime American Express Card*: Best for businesses
All information about Blue Cash Preferred® Card from American Express and American Express® Gold Card has been collected independently by CNN Underscored.
How did we choose our best credit cards when shopping at Amazon in 2024? Let’s dive into each of these cards and see how they compare to one another.
We receive compensation from our partners for Featured Offer placements, which impacts how and where their offer is displayed.
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Citi® Double Cash Card: Best for everyday cash back
If you want to keep just one credit card in your purse or wallet to earn cash back on everything you buy — including your Amazon purchases — the Citi Double Cash® Card is the way to go. You’ll earn 2% cash back on all purchases — 1% when you make a purchase, and another 1% when you pay it off — on all your purchases 365 days a year.
That’s a great return for a no-annual-fee card, and it’s simple — you don’t have to worry about bonus categories or figuring out complicated travel points.
Rewards earned with the Citi Double Cash® Card as part of its cash back program can also be used as travel points when you combine them with the Citi Premier® Card. But Citi’s list of transfer partners, while larger than Chase’s, doesn’t have a lot of great domestic airline options, though it does feature hotel chains such as Choice Hotels and Wyndham.
Also, the Citi Double Cash® Card lags in its shopping benefits. Unfortunately, the card no longer comes with damage and theft purchase protection, return protection or Citi’s previously well-known Price Rewind benefit.
So despite earning great cash back on your purchase with the Citi Double Cash® Card, if you’re buying something expensive, you might want to choose a card that has you covered in the event your item is broken or lost, or you potentially want to return it after the merchant’s return policy has ended.
Chase Freedom Unlimited®: Best for flexible rewards
If you’re not sure whether you want cash back or travel points, a good compromise option could be the Chase Freedom Unlimited®. With this card, you’ll earn 1.5% cash back on every purchase you make, including those at Amazon. That’s less than the Citi Double Cash® Card, but in exchange for a slightly lower earning rate, you’ll get rewards that are potentially more valuable down the line.
When you pair the Chase Freedom Unlimited® with a premium Chase Travel℠ card, such as the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®, you can convert your cash back to travel points at a rate of 1 cent per point. Then you’re able to redeem those points for travel at an increased value of 1.25 to 1.5 cents apiece via the Chase travel portal.
Even better, once you’ve converted your cash back to points, you can transfer them to any of Chase’s 14 airline and hotel loyalty partners. This amazing flexibility is why frequent flyer website The Points Guy values Chase Travel℠ points at 2 cents apiece. Since you’re earning 1.5% cash back on the Freedom Unlimited, you effectively get a 3% return on Amazon purchases.
You’ll also find that the Chase Sapphire Reserve® is an ideal card to use in several bonus categories. The card earns 3% cash back for dining (including eligible delivery services), 3% cash back at drugstores and 5% cash back on travel booked through Chase Travel℠. Other benefits include purchase protection and extended warranty protection.
We receive compensation from our partners for Featured Offer placements, which impacts how and where their offer is displayed.
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Blue Cash Preferred® from American Express: Best for Amazon gift cards
The Blue Cash Preferred® Card from American Express * The information for the Blue Cash Preferred® Card from American Express has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. doesn’t earn as much cash back as other cards when you use it to pay for your purchases at Amazon. But thanks to a small workaround, you can actually score a ton of cash back on your Amazon purchases with this card if you’re willing to take one extra step.
All information about Blue Cash Preferred® Card from American Express has been collected independently by CNN Underscored.
One of the best perks of the Blue Cash Preferred is that it earns 6% cash back (in the form of Reward Dollars that can be redeemed as a statement credit) at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Since many supermarkets sell Amazon gift cards, you can use your Blue Cash Preferred to buy a few and load them into your own Amazon account to use on future Amazon purchases.
If you’re comfortable taking this extra step, you’ll earn 6% cash back for buying the Amazon gift cards at a U.S. supermarket, which means you’re effectively earning 6% cash back on Amazon purchases you make when you use those gift cards for yourself. That’s an even better return than Amazon’s own credit card.
Just be aware that when you use gift cards for your Amazon purchases, you’re losing credit card protections you would normally get if you paid for your purchase directly with your credit card, such as an extended warranty or purchase protection. Even if you use a credit card that offers those benefits when purchasing an Amazon gift card, the benefits don’t pass through when the gift card is redeemed.
So while the Blue Cash Preferred® Card from American Express * The information for the Blue Cash Preferred® Card from American Express has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. earns the most cash back at Amazon via gift cards on a regular basis (and the American Express® Gold Card * The information for the American Express® Gold Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. mentioned below is another top contender for purchasing Amazon gift cards at U.S. supermarkets), for items where you might want purchase protections — especially on electronics — you might be better off using a credit card directly versus buying a gift card to earn a few extra rewards.
All information about Blue Cash Preferred® Card from American Express and American Express® Gold Card has been collected independently by CNN Underscored.
Amazon Prime Visa: Best for Amazon Prime members
If your No. 1 goal is to earn as much cash back as you can at Amazon on an everyday basis, then the Amazon Prime Visa is the way to go. This card always offers 5% cash back at Amazon, Whole Foods and Chase Travel, 2% cash back at restaurants, gas stations, drugstores and local transit and commuting and 1% back on everything else. That’s a better return at Amazon throughout the year than any other card on our list.
Even better, during Black Friday the Prime Visa typically increases its cash back offering on select purchases — usually 6% back at Amazon and Whole Foods. Additionally, Amazon offers 10%+ cash back on a rotating selection of products throughout the year.
Additionally, new Amazon Prime Visa card holders can currently get a $100 Amazon gift card instantly upon approval for the card. But there’s one caveat: You must have an Amazon Prime membership to get this card, and that can cost as much as $139 per year. Of course, if you’re looking for a card specifically for Amazon purchases, there’s a good chance you’re already a Prime member, in which case this card could be your best option.
While the Amazon Prime Visa card technically earns points, the points can only be redeemed for a maximum of 1 cent apiece for a statement credit, a direct deposit to a checking or savings account or to pay for Amazon purchases. The card also offers extended warranty protection and purchase protection, but the coverage isn’t as comprehensive as some other credit cards.
For instance, with the card’s extended warranty protection, you’ll get an additional year on eligible warranties of three years or fewer. On the purchase protection side, you’ll be covered on your purchase for 120 days against damage or theft, but only up to $500 per claim and $50,000 per account. If you’re making expensive purchases, these protections won’t cover you as well as some other cards on our list.
And if you’re a regular Amazon shopper but would prefer to just get a store card instead of a credit card, you can apply for the Amazon.com Store Card, which offers financing options depending on the size of your Amazon purchases. Store credit cards are also typically easier to be approved for, as they generally require a lower credit score. But unlike the Amazon Prime Visa, the Amazon Store card can only be used for Amazon purchases.
American Express® Gold Card: Best for purchase protections
While earning the most cash back or points on your purchase is important, there are sometimes other factors you’ll want to consider when making large purchases. Two credit card benefits that you’ll especially want to factor in are purchase protection and an extended warranty.
Purchase protection protects eligible items you buy against damage or theft so that you’re covered against the cost of replacing or repairing the item. With the American Express® Gold Card * The information for the American Express® Gold Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , you’ll get purchase protection for 90 days from the date of purchase, up to $10,000 per claim and $50,000 per card member account per calendar year.
All information about American Express® Gold Card has been collected independently by CNN Underscored.
This makes the Amex Gold card a fantastic card to use on eligible Amazon purchases, especially the more expensive ones (think big-screen TVs, SLR cameras and computers). Purchase protection is a common benefit among credit cards, but many other cards are capped at $500 to $1,000 per claim, which can be limiting for those more expensive items.
Another great benefit to have on your credit card is an extended warranty. When you charge a covered purchase to the Amex Gold card, you’ll get up to one extra year added to the original manufacturer’s warranty of five years or less. Coverage is up to the actual amount charged to your card for the item, up to $10,000 per item and $50,000 per card member per calendar year.
And similar to the Blue Cash Preferred® Card from American Express * The information for the Blue Cash Preferred® Card from American Express has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , you’ll also earn bonus points at U.S. supermarkets with the American Express® Gold Card * The information for the American Express® Gold Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , so you can take advantage of the card’s higher rewards rate by purchasing Amazon gift cards on your next grocery trip and earn 4 points for every dollar you spend, up to $25,000 in purchases per year (then 1 point per dollar thereafter). Just keep in mind that you’ll lose your purchase protection and extended warranty benefits if you go this route, since they don’t carry over through gift cards.
All information about Blue Cash Preferred® Card from American Express and American Express® Gold Card has been collected independently by CNN Underscored.
Capital One Venture Rewards Credit Card: Best for travel rewards
If you want to plan a vacation by earning miles you can redeem for any travel purchase you make, the Capital One Venture Rewards Credit Card * The information for the Capital One Venture Rewards Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. is one to consider.
With the Capital One Venture Rewards Credit Card * The information for the Capital One Venture Rewards Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. , you’ll earn 2 miles for every dollar you spend on every purchase, and the miles can then be redeemed for any travel purchase on your credit card statement in the previous 90 days. This includes hotels, airfare, train rides, taxis, Ubers, Airbnb stays and more. When you redeem Capital One miles this way, you’ll get 1 cent per mile in value.
Alternatively, you can also transfer your miles to many airline and hotel loyalty programs, such as British Airways, Singapore Airlines, Wyndham Hotels and many others. Frequent flyer website The Points Guy values Capital One miles at 1.85 cents apiece because they can be transferred to these partner programs, so your miles can potentially be worth more than 1 cent each.
The Capital One Venture Rewards Credit Card * The information for the Capital One Venture Rewards Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. also comes with extended warranty protection and up to a $100 credit toward the application fee for Global Entry or TSA PreCheck®. It has a $95, but no foreign transaction fees.
Amazon Business Prime American Express Card: Best for businesses
For businesses that make a lot of purchases at Amazon, the Amazon Business Prime American Express Card* has a unique feature that can be extremely valuable. The card offers a choice of either 5% cash back on U.S. purchases at Amazon — including Amazon Business, AWS and Whole Foods Market — on the first $120,000 in purchases each calendar year (then 1% cash back thereafter), or an interest-free 90 days to pay for those purchases. The cash back is earned in points, which can then be redeemed for eligible purchases at Amazon.
With cash flow tight over the past few years for many businesses, having the ability to pay for your Amazon purchases in 90 days without accruing any interest could be a huge help. And the card also earns 2% cash back at U.S. restaurants, U.S. gas stations and on wireless telephone services purchased directly from U.S. service providers, as well as 1% cash back on all other purchases. There’s also no annual fee or foreign transaction fees on the card.
Just keep in mind that you need to have an Amazon Prime or Business Prime membership to be eligible for this card — businesses without a Prime membership can consider the Amazon Business American Express Card* instead. With so many credit cards available to use at Amazon, you’re probably wondering which card is best. Well, if you want a card that offers straight cash back, you might find the Citi Double Cash® Card to be the ideal choice. Or, if your goal is to earn points for travel, you’ll want to consider the Chase Freedom Unlimited® or Capital One Venture Rewards Credit Card * The information for the Capital One Venture Rewards Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. .
Which credit card is best for your Amazon purchases?
During Amazon’s major annual sales, such as October’s Prime Day Big Deals or Black Friday, you’ll most likely find that the Amazon Prime Visa is your best bet, since there are so many promotions exclusively for card holders. And if you’re a small-business owner, then the Amazon Business Prime American Express may be the best choice when shopping at Amazon.
Finally, if your chief concern is protecting your purchase, regardless of the cash back or travel rewards you’d earn, consider the American Express® Gold Card * The information for the American Express® Gold Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. . And if you’re willing to go the extra step of purchasing Amazon gift cards at U.S. supermarkets, then the Blue Cash Preferred® Card from American Express * The information for the Blue Cash Preferred® Card from American Express has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. or American Express® Gold Card * The information for the American Express® Gold Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. can earn you the most cash back or travel rewards.
All information about American Express® Gold Card and Blue Cash Preferred® Card from American Express has been collected independently by CNN Underscored.
American Express purchase protection and extended warranty eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
*The information for the following card(s) has been collected independently by CNN Underscored Money: Prime Visa, the Amazon Business Prime American Express Card. The card details on this page have not been reviewed or provided by the card issuer.
All information about American Express® Gold Card and Blue Cash Preferred® Card from American Express has been collected independently by CNN Underscored.
Editorial Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines, hotel chain, or other commercial entity and have not been reviewed, approved or otherwise endorsed by any of such entities.
This content is for educational purposes only and is not intended and should not be understood to constitute financial, investment, insurance or legal advice. All individuals are encouraged to seek advice from a qualified financial professional before making any financial, insurance or investment decisions.
Note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed or may no longer be available.
