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The Best Credit Cards for Amazon Purchases — December 2021


The best credit cards for Amazon purchases of December 2021

If you’re a frequent Amazon shopper, you’ll want to use a credit card that earns the most rewards for your spending to get an even better deal on your purchases.

Here are the


best credit cards

to use at Amazon in 2021.

Regular APR

14.24% to 22.24% Variable

Featured Reward

$150 Amazon gift card instantly upon approval

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  • Pros & Cons
  • Details

  • Pros
    • 5% cash back at Amazon and Whole Foods is hard to beat
    • Earns 2% cash back on other popular categories (restaurants, gas stations, drugstores)
    • No annual fee (though you have to be an Amazon Prime member)
    Cons
    • Other cards offer higher cash-back rates on non-Amazon purchases
    • 5% Back at Amazon.com and Whole Foods Market with an eligible Prime membership*
    • 2% Back at restaurants, gas stations, and drugstores
    • 1% Back on all other purchases
    • No annual credit card fee
    • No foreign transaction fees


    Read Our Review
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    The Amazon Prime Rewards Visa Signature Card offers 5% cash back on Amazon and Whole Foods purchases, including Amazon gift cards — as long as you’re an Amazon Prime member (otherwise, you’ll earn 3% back on these purchases). Cardholders also get an extra 5 to 15% cash back on certain promotional items, which is one of the highest rewards rates you’ll find. This makes the card a great option for your Amazon purchases.

    Read more: Amazon Prime Rewards Visa Signature credit card review

    The card offers an interesting feature that can help you save money on interest. At Amazon checkout, on purchases of $50 or more, you can choose a 0% promo APR for six to 18 months on your purchase (then a variable APR of 14.24% to 22.24%). If you choose this option, you won’t earn cash back rewards, but it could make sense if you have a large purchase you want to pay for over time. 

    New cardholders who apply for the Amazon Prime Rewards Visa Signature Card will instantly receive a $150 Amazon gift card instantly upon approval.

    The Amazon Prime Rewards Visa Signature Card also earns 2% cash back at restaurants, gas stations, and drugstores. Considering those are pretty common spending categories for most people, this isn’t a bad card to have in your wallet, especially since it has no annual fee.

    Earn 2% cash back at Amazon and everywhere else: Citi® Double Cash Card

    Regular APR

    13.99% – 23.99% Variable

    2% cash back on all purchases

    Intro APR

    0% intro APR on balance transfers for 18 months

    Balance Transfer Fee

    Either $5 or 5% of the amount of each transfer, whichever is greater. Intro balance transfer fee within the first 4 months of account opening of either $5 or 3% of the amount of each transfer, whichever is greater.

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  • Pros & Cons
  • Details

  • Pros
    • No annual fee
    • Simple earning structure without confusing bonus categories
    Cons
    • Some cards earn higher rates of cash back on rotating categories
    • No sign-up bonus
    • If you don’t have any account activity for 12 months, unredeemed rewards can expire
    • While it offers a 0% introductory APR for 18 months, that’s only on balance transfers, not purchases, so you can’t use it to fund a major expense without interest. After those 18 months, it’s a 13.99% – 23.99% (Variable) APR.
    • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
    • To earn cash back, pay at least the minimum due on time.
    • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
    • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
    • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
    • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
    • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.


    Read Our Review
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    If you prefer a versatile cash-back credit card with a solid earning rate at Amazon (and everywhere else), the Citi® Double Cash Card is hard to beat. You’ll earn 2% back (1% at the time of purchase and 1% when you pay your bill) on all purchases, with no limit to what you can earn

    Read more: Citi Double Cash credit card review

    Because the Citi® Double Cash Card has no annual fee, it’s a good card to keep for the long term. You can also convert your cash rewards into Citi ThankYou points, which you can redeem for travel, gift cards, merchandise, and more.

    Regular APR

    11.99% – 22.99% Variable

    Intro APR

    0% intro APR for 14 months on purchases and balance transfers

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  • Pros & Cons
  • Details

  • Pros
    • Earns 5% cash back at Amazon.com, Walmart.com and Target.com on up to $1,500 in purchases after enrollment from October to December 31, 2021, then 1%
    • Discover will match your cash back at the end of your first account year
    • No annual fee
    Cons
    • Cap on how much bonus cash back you can earn each quarter
    • If the quarterly categories aren’t convenient for you, you can earn more cash back with a different card
    • Intro Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
    • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
    • Plus, earn unlimited 1% cash back on all other purchases – automatically.
    • Redeem cash back in any amount, any time. Rewards never expire.
    • Use your rewards at Amazon.com checkout.
    • No annual fee.
    • Discover is accepted nationwide by 99% of the places that take credit cards.
    • Click “Apply Now” to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.


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    The Discover it® Cash Back offers 5% cash back on the first $1,500 (then 1%) spent on rotating bonus categories every quarter, once you activate the bonus each quarter via your card account (from October to December 31, 2021, you can earn 5% cash back at Amazon.com, Walmart.com and Target.com on up to $1,500 in purchases after enrollment, then 1%).

    Read more: Discover it Cash Back credit card review

    You can apply Discover it® Cash Back rewards to your bill as a statement credit or request a direct deposit to your bank account, redeem them toward Amazon and PayPal purchases, or cash them in for gift cards from select retailers.

    Regular APR

    12.99% to 22.99% Variable

    Featured Reward

    15,000 points after you spend $1,000 on purchases in the first three months of account opening

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  • Pros & Cons
  • Details

  • Pros
    • Strong rewards at US supermarkets
    • You can earn a 50% points bonus each billing period when you make at least 30 purchases
    Cons
    • Annual cap on earning bonus rewards at US supermarkets
    • Not the best option for earning rewards outside of US supermarkets and US gas stations — especially if you don’t make at least 30 purchases per billing statement to earn the bonus
    • The information for the Amex EveryDay Preferred Card has been collected independently by Business Insider, and has not been reviewed or provided by the card issuer
    • 3x points at US Supermarkets
    • 2x points at US gas stations
    • 1x points on all other eligible purchases
    • Use your Card 30 or more times on purchases in a billing period and earn 50% extra points on those purchases less returns and credits. Terms apply.


    Read Our Review
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    The Amex EveryDay® Preferred Credit Card from American Express is a solid choice for Amazon purchases. The card earns 1 American Express Membership Rewards point per dollar spent on non-bonus category spending, which includes Amazon. So why use it if you’re just earning 1 point?

    Read more: Amex EveryDay Preferred review

    One reason is that Amex Offers often runs bonus-point promotions for Amazon purchases. All you have to do is check the currently available Amex Offers** via a tab under your account. If you’re eligible, just register and make purchases with your card to earn those extra points.

    Additionally, Amex EveryDay® Preferred Credit Card cardholders earn 50% bonus points every billing period when they charge 30 or more purchases to the card. So if you charge at least one purchase per day on the Amex EveryDay® Preferred Credit Card, you’ll essentially earn at least 1.5 points per dollar spent. 

    Regular APR

    See Pay Over Time APR

    Featured Reward

    100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership, plus 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of card membership

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  • Pros & Cons
  • Details

  • Pros
    • Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
    • Annual statement credits with Saks and Uber
    Cons
    • Bonus categories leave something to be desired
    • One of the highest annual fees among premium travel cards
    • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
    • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
    • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
    • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
    • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
    • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
    • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
    • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
    • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
    • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. Enrollment required.
    • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
    • $695 annual fee.
    • Terms Apply.


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    It doesn’t earn bonus points at Amazon (unless your account is eligible for an Amex Offer** for bonus points at Amazon), but The Platinum Card® from American Express is also worth considering, especially for more expensive Amazon purchases. That’s because it offers purchase protection for up to 120 days from your date of purchase, with a maximum of $10,000 per claim and $50,000 per account per year.

    Read more: Amex Platinum card review: The best card for airport lounge access and other high-end travel perks

    The card has a $695 annual fee (See Rates), so it’s not worth getting for this benefit alone, but if you can take advantage of benefits like annual statement credits for Uber, airline incidental fees, and Saks purchases, not to mention airport lounge access, it can be a great option.

    Any Amex card with an Amex Offer for Amazon

    One benefit of having an American Express card is that you get access to Amex Offers**. These are deals for bonus points or cash back when you shop with a specific retailer, and there are frequently Amex Offers for bonus points on Amazon purchases.

    Read more: Guide to the best American Express cards

    Since Amex Offers are targeted (they vary for each cardholder), you may not see Amazon offers in your account, but it’s worth checking. Keep in mind that you need to add the Amex Offer to your account online and make a qualifying purchase to be eligible for the bonus.

    Some of the best American Express cards include:

    Any card that offers an annual spending bonus

    If you’re more concerned with long-term gain, consider charging your Amazon purchases to a credit card that offers an annual incentive for meeting certain spending thresholds.

    Read more: I was hesitant to pay the Hilton Aspire card’s $450 annual fee, but I got $3,700 in value toward travel in my first year

    For example, the Hilton Honors American Express Aspire Card
    offers an additional annual weekend night reward after you spend $60,000 in a calendar year. You can use your reward at just about any Hilton hotel, including high-end resorts with rates approaching $1,000 per night or more. 

    Another option is to put your Amazon spending on a Southwest credit card in order to earn the Southwest Companion Pass. If you’re unfamiliar with this benefit, it essentially allows you to bring a designated companion along with you for free (just pay taxes and fees) on paid and award tickets.

    You’ll earn the Companion Pass when you earn 125,000 qualifying Southwest points in a calendar year, and points earned via credit card sign-up bonuses and spending count towards this requirement. However, for 2021, Southwest has added 25,000 Companion Pass qualifying points Rapid Rewards accounts that were open as of December 31, 2020 — effectively reducing the requirement to just 100,000 points in 2021.

    Read more: The best credit cards for large purchases

    You can earn welcome bonuses on the following Southwest credit cards — and the personal cards are currently offering great welcome bonuses. Note that you can only have one personal Southwest co-branded card at a time.

    Read more: 5 credit card pairings that get you even more benefits and rewards — in most cases, with just one annual fee

    If you earned the welcome bonus from one of these cards and used it for everyday spending, including Amazon purchases, you could get within easy reach of the Southwest Companion Pass. You could also earn a bonus from one personal Southwest card and one business Southwest card, which would make qualifying even easier.



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