When you’re among the many greater than 200 million Amazon Prime members within the U.S., chances are high you spend a big quantity with the web retail large.
We have dug into the best cards for Amazon purchases, together with playing cards that earn as much as 5% money again in your purchases — and that is earlier than factoring in any American Express Offers or different particular Amazon promotions.
The key to incomes essentially the most factors on Amazon purchases is reward playing cards. Whereas only a few bank cards provide Amazon as a bonus class, some provide excessive class bonuses at locations that promote Amazon reward playing cards, equivalent to grocery stores, gas stations and workplace provide shops.
Incomes as much as 5 factors per greenback on Amazon purchases
Probably the greatest playing cards for buying reward playing cards is the Ink Business Cash® Credit Card. On the floor, the cardboard earns 5% money again at workplace provide shops on the primary $25,000 in spending every account yr.
Nonetheless, the return jumps to roughly 10% when you even have a Chase Sapphire Preferred® Card, Chase Sapphire Reserve® or Ink Business Preferred® Credit Card. Then, you may convert your money again to transferable Ultimate Rewards points, that are value 2.05 cents apiece in accordance with TPG’s February 2025 valuations.
With this methodology, you would purchase an Amazon reward card at Staples or OfficeMax and earn 5 factors per greenback spent for an efficient 10% again. Then, you should utilize that reward card like money at Amazon.
If it is American Express Membership Rewards points you are after, otherwise you aren’t eligible for a business card, you would possibly wish to take into account the American Express® Gold Card.
The Amex Gold presents 4 Membership Rewards factors per greenback spent at U.S. supermarkets, on as much as $25,000 per calendar yr (then 1 level per greenback after that). 4 factors per greenback spent means an efficient 8% return since TPG values Amex factors at 2 cents apiece as of February 2025.
There’s additionally the Amex EveryDay® Preferred Card from American Express, which could possibly be choice when you’re already a cardmember (since this card is now not out there to new candidates).
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It earns 3 factors per greenback spent on as much as $6,000 per calendar yr at U.S. supermarkets, then 1 level per greenback spent thereafter. However what makes this card stand out is that it presents a 50% factors bonus when you use it greater than 30 occasions in a single month. Meaning you would be incomes as many as 4.5 factors per greenback spent at grocery shops, which equates to a 9% return in accordance with our valuations.
Lastly, there’s additionally the no-annual-fee Chase Freedom Flex®, which presents 5% again (or 5 factors per greenback spent when paired with an Final Rewards-earning card) on rotating categories on as much as $1,500 in purchases every quarter you activate. Up to now, these classes have included grocery shops and Amazon.
When grocery shops aren’t an energetic 5% quarterly class, the Freedom Flex nonetheless earns 3% again (or 3 factors per greenback with an eligible Final Rewards-earning card) on groceries.
The data for the Amex EveryDay Most well-liked has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
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One thing to remember
There are lots of choices for maximizing your Amazon reward card purchases. Nonetheless, there’s one vital caveat to remember. Though all the playing cards talked about provide purchase protection, the protection doesn’t apply when buying an merchandise with a present card as an alternative of a bank card. So, it’s possible you’ll wish to keep away from utilizing reward playing cards on sure purchases.
You can also’t return reward playing cards, however this should not be a lot of a difficulty when you order from Amazon regularly anyway. Plus, you should utilize your Amazon reward playing cards to purchase reward playing cards at many different third-party retailers like Starbucks, Southwest Airways and Airbnb.
It is a good suggestion to keep away from shopping for a lot of reward playing cards whenever you’re attempting to hit a welcome bonus. This habits could be a pink flag to credit score issuers and should end in your account being reviewed and even the lack of your welcome bonus. The issuer may restrict your means to earn welcome bonuses on future playing cards you apply for.
Each issuer has completely different phrases for his or her welcome bonuses, so be sure that to examine the phrases of your card’s welcome provide.
Associated: The best credit cards for online shopping
Backside line
A bit effort and time can go a good distance. An efficient 10% return on Amazon purchases is just about nearly as good because it will get, although it is vital to not neglect the trade-off between incomes factors and getting buy safety.
Associated: Is the Prime Visa credit card worth the cost?
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