Best Credit Card for Amazon in 2026

Other Options to Consider

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Prime Visa

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Bank of America® Customized Cash Rewards Credit Card

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How to Choose a Credit Card for Amazon

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If you're a frequent Amazon shopper, the right credit card can supercharge your rewards—but the best card for you might not be an Amazon-branded one.

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It's easy to get tunnel vision on a card's Amazon rewards rate, but this can be a costly mistake. Overlooking factors like annual fees, the card's long-term earning potential beyond a welcome bonus, and how it rewards your other major spending categories can leave a lot of value on the table.

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Key Factors

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• Rewards on Amazon: This is the most obvious factor, so check how much cash back or how many points you’ll earn for every dollar you spend on the site and at Whole Foods Market.
• Rewards on other spending: A card’s true value extends beyond a single retailer; analyze the rewards rates for your other major spending categories like dining, travel, and groceries to maximize your overall earnings.
• Annual fee: A card with an annual fee isn't automatically a bad deal, but you'll need to do the math to ensure the rewards and benefits you receive will more than cover the yearly cost.
• Welcome bonus: A big introductory offer can provide a substantial boost of cash back or points, giving a card a ton of value in the first year.
• Redemption flexibility: Understand how and where you can use your rewards. Some cards offer straightforward cash back, while others unlock more value when you transfer points to airline and hotel partners.
• Extra perks: Look beyond the rewards rates to valuable cardholder benefits like travel insurance, purchase protection, and statement credits, which can easily save you hundreds of dollars.

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What to Watch Out For

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Watch out for special financing offers that can encourage overspending and lead to high-interest debt if not paid off promptly. It's also a common mistake to fixate on an Amazon-branded card without comparing it to general cash back or travel cards, which frequently offer greater overall value through more flexible redemption options and stronger rewards on your other purchases.

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Decision Flow

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If you’re a Prime member who wants the highest, simplest rewards rate on Amazon, an Amazon co-branded card is tough to beat. They are designed to offer the top cash back percentage on Amazon.com and at Whole Foods Market, making it a straightforward choice for loyalists.

If you want to turn your Amazon spending into flights and hotels, a general travel rewards card is your best move. The points you earn can be transferred to airline and hotel partners, where they can unlock significantly more value than simple cash back. Your Amazon habit could directly fund your next getaway.

If you prioritize simplicity and no annual fee, consider a flat-rate cash back card or one that features online shopping as a bonus category. This approach gives you strong, flexible rewards on your Amazon purchases without locking you into a single brand or a yearly fee.

If you’re a business owner, your Amazon spending can be a powerful rewards-earning tool. An Amazon business card can help separate expenses, but a general business rewards card might offer more valuable returns on broader categories like shipping, software, or advertising, in addition to your Amazon buys.

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Maximize Your Return with Amazon

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To get the most out of every dollar you spend, here are some key strategies for maximizing your credit card rewards on Amazon:

• Use a co-branded card: An Amazon-specific credit card will typically offer the highest consistent cash-back rate on your Amazon.com purchases without you having to track rotating categories.
• Leverage rotating bonus categories: Some general rewards cards offer elevated rewards, often 5% back, on Amazon purchases during specific quarters of the year, so plan your larger buys accordingly.
• Stack with shopping portals: Before you shop, click through an online shopping portal to earn additional points, miles, or cash back from the portal on top of the rewards your credit card provides.
• Redeem rewards wisely: While convenient, using your points directly at Amazon's checkout often yields a lower value; you're usually better off redeeming points for a statement credit or direct deposit and using your card for the purchase.
• Reload your gift card balance: You can sometimes earn higher rewards by using a card with grocery or office supply store bonuses to buy Amazon gift cards and then loading that balance to your account.

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Supercharge your Rewards with Kudos

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This free app automatically selects your highest-earning credit card for every purchase, taking the guesswork out of maximizing rewards and unlocking hidden perks. Get started for free

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Other Things to Consider

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Beyond raw reward rates, consider if a store-specific card truly fits your spending habits, as they're best for loyal Amazon shoppers. No matter the card, disciplined financial management is key; always aim to pay your balance in full to avoid interest charges that can negate your earnings. This principle extends to other forms of credit, like the 'Buy Now, Pay Later' plans available at checkout, which also require careful tracking. Ultimately, the right card is one that complements your budget and helps you avoid accumulating unmanageable debt.

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Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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Do I need an Amazon Prime membership to get an Amazon credit card?

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While you don't need a Prime membership to be eligible for an Amazon credit card, the card options with the best rewards and benefits are typically reserved for Prime members.

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Can I use my Amazon credit card for purchases outside of Amazon?

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Yes, Amazon credit cards are part of the Visa network, meaning you can use them for purchases anywhere Visa is accepted, not just on Amazon.com or at Whole Foods Market.

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How do I redeem my Amazon credit card rewards?

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You can easily redeem your accumulated points directly at checkout when making purchases on Amazon.com. Your available rewards balance will be presented as a payment option during the payment process.

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