Best Credit Cards for Amazon Purchases from Doctor of Credit

Amazon has become a cornerstone of modern shopping, especially in a world where convenience and speed are prioritized. Whether you're stocking up on household essentials, treating yourself to the latest tech gadget, or taking advantage of Prime Day deals, using the right credit card can maximize your rewards and savings. Doctor of Credit, a trusted resource for credit card insights, has analyzed the best options for Amazon shoppers. Here’s a breakdown of the top picks, factoring in cashback, travel rewards, and exclusive perks.

Why the Right Credit Card Matters for Amazon Shoppers

With inflation impacting budgets globally, every dollar saved counts. A well-chosen credit card can turn everyday Amazon purchases into significant rewards—whether through cashback, travel points, or statement credits. Additionally, some cards offer extended warranties, purchase protection, and even discounts on Amazon subscriptions.

Key Factors to Consider

• Rewards Rate – How much cashback or points you earn per dollar spent.
• Sign-Up Bonus – A lucrative initial offer to boost your rewards.
• Annual Fee – Whether the card’s benefits justify its cost.
• Additional Perks – Extended warranties, travel insurance, or Amazon-specific discounts.

Top Credit Cards for Amazon Purchases

1. Amazon Prime Rewards Visa Signature Card

Best for Frequent Amazon Shoppers

If you’re a Prime member, this card is a no-brainer.

• Rewards:
  • 5% back on Amazon and Whole Foods purchases.
  • 2% back at restaurants, gas stations, and drugstores.
  • 1% back on all other purchases.
• Sign-Up Bonus: $100 Amazon gift card upon approval.
• Annual Fee: $0 (but requires a Prime membership, which costs $139/year).
• Perks: No foreign transaction fees, travel and emergency assistance, and extended warranty protection.

Why It Stands Out: The 5% cashback is one of the highest flat rates for Amazon purchases, making it ideal for loyal shoppers.

2. Chase Freedom Flex

Best for Rotating Bonus Categories

This card offers rotating 5% cashback categories (up to $1,500 per quarter), and Amazon is frequently included.

• Rewards:
  • 5% back on rotating quarterly categories (when activated).
  • 3% back on dining and drugstore purchases.
  • 1% back on everything else.
• Sign-Up Bonus: $200 after spending $500 in the first three months.
• Annual Fee: $0.
• Perks: Cell phone protection, purchase protection, and travel insurance.

Why It Stands Out: If you time your Amazon purchases with the 5% bonus quarter, this card can outperform even the Amazon Prime Visa.

3. Citi Double Cash Card

Best for Flat-Rate Cashback

If you prefer simplicity, this card offers a solid return on all purchases.

• Rewards:
  • 2% cashback on everything (1% when you buy, 1% when you pay).
• Sign-Up Bonus: None (but the long-term rewards make up for it).
• Annual Fee: $0.
• Perks: No foreign transaction fees and access to Citi Entertainment.

Why It Stands Out: While not Amazon-specific, the 2% flat rate is great if you shop elsewhere too.

4. American Express Blue Cash Preferred®

Best for Groceries + Amazon Combo

If you shop at Whole Foods (owned by Amazon) or use Amazon Fresh, this card is a powerhouse.

• Rewards:
  • 6% back at U.S. supermarkets (up to $6,000 per year).
  • 3% back on transit, gas stations, and select streaming services.
  • 1% back on everything else.
• Sign-Up Bonus: $250 after spending $3,000 in the first six months.
• Annual Fee: $95.
• Perks: Disney Bundle credit and purchase protection.

Why It Stands Out: The 6% back at supermarkets includes Whole Foods, making it a strong choice for Amazon’s grocery arm.

5. Capital One Venture Rewards

Best for Travel Enthusiasts

If you want to turn Amazon purchases into travel rewards, this card is a top contender.

• Rewards:
  • 2X miles on every purchase.
• Sign-Up Bonus: 75,000 miles after spending $4,000 in the first three months.
• Annual Fee: $95.
• Perks: Global Entry/TSA PreCheck credit, travel accident insurance, and no foreign transaction fees.

Why It Stands Out: Miles can be redeemed for travel or transferred to airline partners, adding flexibility.

Honorable Mentions

• Discover it® Cash Back – Another rotating 5% category card that occasionally includes Amazon.
• Bank of America® Customized Cash Rewards – Lets you choose 3% back in a category (including online shopping).

Maximizing Your Rewards Strategy

Stack Discounts with Amazon Prime

• Use Prime-exclusive deals.
• Combine cashback portals (e.g., Rakuten) with your credit card rewards.

Leverage Sign-Up Bonuses

Many cards offer hefty bonuses—time your application before big shopping events like Prime Day or Black Friday.

Monitor Bonus Categories

If using a rotating category card, plan Amazon purchases around 5% quarters.

Final Thoughts

The best credit card for Amazon purchases depends on your spending habits. If you’re a Prime loyalist, the Amazon Prime Visa is unbeatable. For flexibility, the Chase Freedom Flex or Citi Double Cash are excellent alternatives. Travelers should consider the Capital One Venture Rewards, while grocery shoppers will love the Amex Blue Cash Preferred.

By choosing wisely, you can turn everyday Amazon orders into meaningful savings—a smart move in today’s economy.