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One of the best ways to maximize your Amazon purchases is with an Amazon credit card.
If you're looking for the right rewards credit card, our top pick is thePrime Visa (see rates and fees). Although this card requires users to have an eligible Amazon Prime membership ($139 annually, or $14.99 a month), the company's branded credit card offers some of the highest rewards return: 5% cash back at Amazon.com, Amazon Fresh, and Whole Foods Market.
However, the mega online retailer offers other potentially valuable credit cards. Even if you don't want a co-branded credit card, there are non-Amazon options that are also highly rewarding for Amazon transactions.
Amazon credit card options
- Prime Visa
- Amazon Visa
- Amazon Prime Store Card
- Amazon Store Card
- Secured Amazon cards
- Alternative non-Amazon cards
- FAQs
Offers in this section are from affiliate partners and selected based on a combination of engagement, product relevance, compensation, and consistent availability.
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Prime Visa
The Prime Visa is only available to Amazon Prime members ($139 for an annual membership and $14.99 for a monthly membership) but is very rewarding for Amazon purchases.
- High rate of return at Amazon and Whole Foods
- Easy-to-earn welcome bonus
- Requires an Amazon Prime membership
- If you choose the promo APR you won't earn rewards on those purchases
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
- Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
- Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
- Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
- Earn unlimited 1% back on all other purchases
- No annual credit card fee
- No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
- Member FDIC
Balance transfer fee
Either $5 or 4% of the amount of each transfer, whichever is greater.
The Prime Visa, issued by Chase, is available exclusively to Prime members and rewards users with the highest returns of any Amazon-branded credit card. Notably, it earns 5% cash back on all purchases at Amazon.com, Amazon Fresh, Whole Foods and Chase TravelSM, as well as 10% back or more on a rotating selection of items and categories on Amazon.com.
If you're debating whether an Amazon Prime membership is worth the money, this card could help you decide. As a welcome bonus, you receive a $100 Amazon Gift Card instantly upon approval, exclusively for Prime members, which offsets the majority of the $139 annual membership your first year.
Amazon Prime membership gives you access to several perks, including free two-day shipping, access to Prime Video, a free GrubHub+ membership and exclusive discounts at Whole Foods.
This card also earns an above-average return of 2% back at restaurants, gas stations and local transit and commuting.
Amazon Visa
Amazon Visa
Rewards
3% cash back at Amazon.com, Amazon Fresh and Whole Foods Market; 3% back on purchases made through Chase Travel; 2% back at restaurants, gas stations and local transit and commuting, including rideshare; 1% back on all other purchases
Welcome bonus
Earn a $50 Gift Card instantly upon approval.
Annual fee
$0
Intro APR
None
Regular APR
19.99%–28.74% variable
Balance transfer fee
4%, $5 minimum
Foreign transaction fee
None
Credit needed
Excellent/Good
Terms apply.
Pros
- Doesn't require an Amazon Prime membership
- No annual fee
Cons
- No intro APR offer
If you don't have an Amazon Prime membership but still frequently shop on the site, another option is the Amazon Visa. This credit card does not require a Prime membership and offers 3% back at Amazon, Amazon Fresh and Whole Foods, plus 2% back at restaurants, gas stations and local transit and commuting.
New cardholders get a $50 Amazon gift card once their application is approved. Cardholders can also benefit from no foreign transaction fees and select travel benefits, such as travel accident insurance, auto rental collision damage waiver and lost luggage reimbursement.
Amazon Prime Store Card
Prime Store Card
Rewards
5% back on Amazon.com
Welcome bonus
$80 Amazon gift card instantly upon approval
Annual fee
$0
Intro APR
Pay no interest on all Amazon purchases of $150 or more if the entire purchase amount is paid in full within 6, 12 or 24 months
Regular APR
29.99% variable
Balance transfer fee
Not applicable
Foreign transaction fee
Not applicable
Terms apply.
Pros
- No annual fee
- High 5% back at Amazon.com
- Various promotional financing offers
Cons
- Deferred interest means you have to pay all interest you incurred during the intro period if you don’t pay your balance in full before it ends
- Prime membership is required
- This card can only be used at Amazon
The Amazon Prime Store Card is available to anyone with a Prime membership. As a store card, it can only be used at Amazon-owned stores, including Whole Foods. The card has several promotional financing offers, as well as cash-back rewards. It's important to know that these offers are deferred interest offers. That means that if you don't pay off the balance in full by the end of the offer, you'll pay all of the interest that has accrued during the entire offer period.
Special financing
- 6 months on purchases between $150 and $599.99
- 12 months on purchases of $600 or more
- 24 months on select purchases
Equal monthly payments
- Make equal monthly payments for six months on Amazon.com purchases of $50 to $599.99 and pay no interest.
- Make equal monthly payments for 12 months on Amazon.com purchases of $600 or more and pay no interest.
- Make equal monthly payments for 24 months on select Amazon.com purchases and pay no interest.
With this card, you can earn 5% cash back on Amazon.com purchases, including eligible purchases at Whole Foods.
If you want a true no-interest credit card, consider a credit card with a 0% intro APR offer. These cards don't charge interest until the offer expires and you're not responsible for back interest.
Amazon Store Card
Amazon Store Card
Rewards
None
Welcome bonus
$10 Amazon.com gift card upon approval
Annual fee
$0
Intro APR
Pay no interest on all Amazon purchases of $150 or more if the entire purchase amount is paid in full within 6, 12 or 24 months
Regular APR
29.99% variable
Balance transfer fee
Not applicable
Foreign transaction fee
Not applicable
Terms apply.
Pros
- No annual fee
- Various promotional financing offers
Cons
- Deferred interest means you have to pay all interest you incurred during the intro period if you don’t pay your balance in full before it ends
- This card can only be used at Amazon
- High APR
If you're not a Prime member but plan on making a big purchase on Amazon, the Amazon Store Card has the same promotional financing offers as the Amazon Prime Store Card above but doesn't offer rewards.
During the special financing period, you must make at least the minimum monthly payment. To get the full benefit, you need to pay off the entire balance before the intro period ends, or else you'll incur all the interest you accrued during the 6-, 12- or 24-month period.
The Amazon Store Cards can only be used on Amazon or Amazon-affiliated purchases, plus it doesn't earn any rewards unless you're a Prime member, so consider this card's limitations before picking it.
Secured Amazon cards
If you don't qualify for the Amazon Prime Store Card or Amazon Store Card, you can be considered for the secured versions of these cards, the Amazon Prime Secured Card and Amazon Secured Card.
These cards require an upfront security deposit and can help you rebuild your credit and eventually upgrade to an unsecured card. Both cards have no annual fee but don't offer a welcome bonus or rewards.
Amazon Prime Secured Card
Rewards
Earn 2% back on all eligible Amazon purchases with a Prime membership
Welcome bonus
None
Annual fee
$0
Intro APR
None
Regular APR
10.00% non-variable
Balance transfer fee
N/A
Foreign transaction fee
0%
Credit needed
Poor/No credit history
Terms apply.
Pros
- No annual fee
- You can qualify with poor credit
- Cash-back rewards
Cons
- Cash-back only available for cardholders with Prime membership
- No welcome bonus
Amazon Secured Card
Rewards
None
Welcome bonus
None
Annual fee
$0
Intro APR
None
Regular APR
10.00% non-variable
Balance transfer fee
N/A
Foreign transaction fee
0%
Credit needed
Poor/No credit history
Terms apply.
Pros
- No annual fee
- You can qualify with poor credit
Cons
- No welcome bonus or rewards
- No introductory 0%-APR offer
Amazon Card Comparison
| Rewards at Amazon.com, Amazon Fresh, Whole Foods Market | Other rewards | Requires an Amazon Prime membership | |
|---|---|---|---|
| Prime Visa | 5% | 10% back or more on a rotating selection of items and categories on Amazon.com, 5% back on Chase Travel purchases, 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), 1% back on all other purchases | Yes ($139 annually, or $14.99 a month) |
| Amazon Visa | 3% | 3% back on Chase Travel purchases, 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), 1% back on all other purchases | No |
| Amazon Prime Store Card | 5% (Amazon.com only) | N/A | Yes ($139 annually, or $14.99 a month) |
| Amazon Store Card | Special financing options (Amazon.com only) | N/A | No |
| Amazon Prime Secured Card | 2% (Amazon.com only) | N/A | Yes ($139 annually, or $14.99 a month) |
| Amazon Secured Card | N/A | N/A | No |
Alternative non-Amazon cards
Wells Fargo Attune℠ World Elite Mastercard®
The Wells Fargo Attune℠ World Elite Mastercard® is an excellent cash-back card that earns an unlimited 4% cash rewards in several categories, including self-care and sport, entertainment and recreation. According to online reports, and based on the CNBC Select team's experiences, Amazon.com and Amazon Marketplace orders can qualify for 4% back because these purchases code as a bookstore.
Wells Fargo Attune℠ World Elite Mastercard®
Rewards
Earn 4% cash rewards on fitness and wellness; 4% cash rewards on select sports, recreation, and entertainment (including live shows and sporting events); 4% cash rewards on gardening and floral stores, as well as pet supplies, boarding and grooming; 4% cash rewards on public transit, EV charging stations, and select thrift stores. Plus earn 1% cash rewards on other purchases
Welcome bonus
Earn $100 in cash rewards when you spend $500 in qualifying purchases during the first 3 months after account opening.
Annual fee
$0
Intro APR
0% on purchases for the first 12 months after account opening
Regular APR
19.49%, 24.49%, or 29.49% variable based on your creditworthiness
Balance transfer fee
Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5.
Foreign transaction fee
3% of each transaction converted to U.S. dollars
Credit needed
Excellent/Good
Terms apply
Pros
- Earns cash rewards in wellness categories not typically seen in rewards cards
- No annual fee
- Introductory APR on purchases
Cons
- Foreign transaction fee
- No introductory APR on balance transfers
Blue Cash Everyday® Card from American Express
The Blue Cash Everyday® Card from American Express is one of the best cards for groceries, gas and online shopping. It has no annual fee (see rates and fees) and earns 3% cash back* at U.S. online retailers on up to $6,000 in purchases per year (then 1% cash back). You can also take advantage of up to $84 in Disney Bundle Credit every year ($7 back per month after spending $9.99 or more on an eligible auto-renewing subscription; enrollment required). You'll also get up to $180 in Home Chef credit annually (up to $15 back per month with an eligible meal subscription; enrollment required).
The Blue Cash Everyday® Card from American Express has no annual fee and earns bonus rewards on a wide range of common expenditures.
- Up to $264 in streaming service and meal kit credits every year (subject to auto renewal)
- High cash-back rates in popular spending categories
- No annual fee
- The best bonus cash-back categories are capped
- Has a foreign transaction fee
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 20.24% to 29.24% variable APR.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Balance transfer fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Foreign transaction fee
2.7% of each transaction after conversion to US dollars
*Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Offers in this section are from affiliate partners and selected based on a combination of engagement, product relevance, compensation, and consistent availability.
3.70% APY as of 2/21/2025
Min balance to open = $0
1.00% APY as of 06/24/2024
Min balance to open = $0
For anyone who regularly shops with Amazon, it can make sense to have a Prime membership and an Amazon Prime card. With a Prime Visa, you'll earn an excellent return on your purchases, however, these cards aren't great options for non-Amazon spending. On top of that, some of the cards offer deferred financing, which can be expensive if you don't pay off the purchase in full by the offer expiration date.
Pros
- Amazon Prime cards offer elevated rewards for Amazon purchases
- All of Amazon's co-branded cards come with no annual fee
Cons
- These cards are less rewarding for purchases outside of Amazon
- The financing offers that are available with select Amazon cards are deferred interest deals, which are riskier than true intro 0% APR offers
- Store cards can only be used at Amazon and for Amazon-affiliated purchases.
FAQs
What credit score do you need for the Amazon Prime credit card?
You'll typically need a good credit score (670+) or higher to qualify for the Prime Visa or Amazon Visa. However, you may be eligible for the Amazon Store Card or Amazon Prime Store Card with a lower score.
Does the Amazon Prime credit card help build credit?
All versions of the Amazon Prime (and non-Prime) credit card can help you build your credit, as long as you practice good financial habits like paying your bill on time and keeping your balance low.
What bank issues the Amazon Prime credit card?
The Amazon Prime credit card (and the non-Prime version) is issued by Chase and the Amazon Store cards and secured cards are issued by Synchrony.
Is there an annual fee for the Amazon card?
While no Amazon credit card has an annual fee, some may require an Amazon Prime membership, which costs $139 annually, or $14.99 a month.
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At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card story is based on rigorous reporting by our team of expert writers and editors. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.
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Information about the Amazon Visa, Amazon Store Card, Amazon Prime Store Card has been collected independently by CNBC Select and has not been reviewed or provided by the issuer prior to publication; if you purchase something through Select links, we may earn a commission.
For rates and fees of the Blue Cash Everyday® Card from American Express, click here.
