5 Best Credit Cards for Shopping on Amazon

Shopping online is an easy way to save time and money, which is why many of us prefer to use Amazon when shopping. Not only does it sell everything you can imagine with fast delivery, but the site makes it easy to shop at a reasonable price.

For those who shop more online than in-store – or plan to do a lot of shopping on Black Friday – it might be worth considering getting a credit card to increase the value of their purchases. . The following cards are the best to use when shopping on Amazon.

Amazon Prime Visa Signature

Amazon Prime Visa

(Image credit: Visa)

Annual subscription : None (although a $139 Prime subscription is required)
APR: 16.49%-24.49%
Introductory APR at 0%: None
Awards: 5% back on Amazon and Whole Foods, 2% at gas stations, restaurants and pharmacies, 1% on all other purchases.

For those who already have an Amazon Prime subscription (opens in a new tab), getting the Amazon Prime Visa Signature Card is a no-brainer. It offers an impressive rewards rate, earning you 5% at Amazon.com and Whole Foods. Although the card has a $0 annual fee, you’ll still have to pay for a Prime subscription, which costs $14.99 per month or $139 per year. However, if you’re already spending a lot, it shouldn’t be hard to offset that cost. Plus, you’ll still be able to use the card anywhere VISA is accepted. You’ll get 2% cash back on restaurants, gas stations, and pharmacies, plus 1% on all other purchases. Considering you can buy pretty much anything on Amazon, that refund rate is very impressive.

Since the card offers no 0% APR offer, it’s not a great choice for cardholders looking to hold a balance. The card’s variable APR is 14.24-22.24%, so if you plan to make a large purchase and pay it back over time, another option, like the Citi Double Cash Card, would be a better bet. choice. If you think the Amazon Prime Visa Signature Card is right for you, you’ll be happy to know that just for getting approved for the card, you can receive a $150 Amazon gift card.

Sign up for Amazon Prime Rewards Visa (opens in a new tab)

Find out Cash back

Discover It credit card

(Image credit: Discover)

Annual subscription: None
APR: 14.99-25.99%
0% introductory APR: 15 months
Awards: 5% return in some categories, 1% elsewhere

If you’re a frequent Amazon shopper looking for a way to maximize cash back earnings, Discover it Cash Back is a great option. This card offers a rotating rewards program, where you’ll earn 5% cash back when you enroll in quarterly categories, with a spending cap of $1,500. After reaching this limit, you will still be able to recover 1%. Likewise, all other purchases outside of this category will also earn 1% cash back. The rotating categories cover a range of popular purchases, and Amazon is one of the categories, recurring every year since 2015. So if you don’t mind signing up every quarter or planning your spending in advance, then this card is a great way to save you money.

Moreover, this card is a great option to accumulate as much money as possible thanks to its first year welcome bonus. At the end of your first year as a cardholder, Discover will match the full amount of cash back earned, so it’s a great card to open when you know you’ll be spending a lot in the first year of its life. possession. Also, you will have the opportunity to avoid high interest rates due to the card’s 0% introductory APR rate. On new purchases and balance transfers, you’ll have 15 months to pay off balances while avoiding interest.

Sign up to experience Cash Back (opens in a new tab)

Citi Double Cash

Citi Double Cash Credit Card

(Image credit: Citibank)

Annual subscription: None
APR: 16.99 to 26.99%
0% introductory APR: 18 months
Awards: 1% in return, 1% when refunding balances

For those who prefer flat-rate cashback, the Citi Double Cash Card is a good option for shopping on Amazon. With the card, you’ll earn 1% cash back on purchases and an additional 1% when you pay your balances. This 2% cashback applies to all purchases, so you don’t have to worry about spending limits or entering rotating categories. With no spending caps, earning 2% on all your purchases can save you more than a card with a recurring rewards rate, especially when you consider there’s no annual fee to clear each year. Along with that, if you spend at least $15,000 within the first six months of owning the card, you’ll earn a generous $200 cash back, saving you even more money.

Additionally, for cardholders already in debt (opens in a new tab), you can take advantage of the card’s 0% APR introductory offer. For 18 months after opening the Citi Double Cash Card, you’ll avoid high interest rates on balance transfers, giving you the flexibility to pay off balances.

Sign up for the Citi Double Cash Card (opens in a new tab)

Capital One Venture Awards

Capital One Venture credit card

(Image credit: Capital One)

Annual subscription: $95
APR: 18.99 to 26.99%
0% introductory APR: 18 months
Awards: 2% discount on all purchases

For cardholders who prefer to earn rewards in the form of airline miles, the Capital One Venture Rewards Card is a good option for Amazon shoppers. Indeed, it rewards 2 miles per dollar for all purchases, not just travel expenses, an impressive rate compared to most cards. However, you won’t have to sacrifice the higher earnings on travel purchases. You’ll still earn 5 miles per dollar on hotels and car rentals booked through Capital One Travel. With a $95 annual fee, those who shop frequently on Amazon might find the 2% cash back rate more than enough to offset that cost.

In addition, the card comes with an impressive welcome bonus. If you spend $4,000 within the first three months of opening the card, you’ll earn 75,000 bonus miles ($750 in travel). So, if you’re planning to travel for the holidays or are looking to save for a vacation, this card could help you earn big on the purchases you already make online.

Sign up for Capital One Venture Rewards (opens in a new tab)

American Express Preferred Blue Cash

Preferred Blue Cash credit card

(Photo credit: American Express)

Annual subscription: $95
APR: 16.99 to 27.99%
0% introductory APR: 12 months
Awards: 6% return in supermarkets, 3% return in public transport and gas stations, 1% in everything else

The Blue Cash Preferred card could potentially earn you up to 6% cash back on your Amazon.com purchases, but it will take a little more effort than the other cards on this list. This card offers 6% cash back at US supermarkets (up to $6,000 per year) as well as some streaming services. It also offers 3% cash back on transit purchases and at gas stations, while everything else gets you 1%. For those who don’t mind working a little harder to earn a higher rewards rate, an easy way to increase the cash back value of your Amazon purchases is to buy Amazon gift cards at the supermarket, with a 6% cash back rate. , then load the balance into your account.

The annual fee for the Blue Cash Preferred card is $95, but it also comes with a generous welcome offer. Within the first six months of opening the card, if you spend at least $3,000, you will be rewarded with an additional $350. Moreover, it also offers an introductory APR offer of 0% for 12 months on new purchases and balance transfers. So if you’re looking for a way to maximize the value of your Amazon purchases and aren’t averse to a few extra steps, this card is a great choice for you.

Join Blue Cash Preferred (opens in a new tab)

Conclusion

The above cards are a great choice when shopping on Amazon because they allow cardholders to earn valuable money on the purchases they make. However, before applying for a card, it is important to ensure that your credit score (opens in a new tab) is up to it, not just for approval, but for receiving a rate on the lower end of the card’s variable APR.

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