Published on April 28th, 2015 | by William Charles55
Best Credit Cards For Amazon Purchases – Up to 5x Points/5% Cash Back
If you’re anything like me, you probably spend an unhealthy amount of money buying stuff from Amazon. I thought it was time to have a dedicated post on what the best credit card to use is for Amazon purchases. One thing that is worth considering is that most of the time Amazon.com is coded as a bookstore, so it’s possible to get a category bonus there.
- 1 Personal Cards
- 1.1 Citi AT&T Access More – 3x ThankYou Points, No Limits, $95 Annual Fee
- 1.2 Citi Forward (No Longer Available For New Sign Ups), 5x ThankYou Points, No Annual Fee
- 1.3 VantageWest Credit Union Connect Rewards Credit Card – 5x, No Annual Fee ($15 Joining Fee), $1,500 Limit Per Quarter
- 1.4 Chase Amazon.com Rewards – 3-5% Cash Back, No Annual Fee Or Limits
- 1.5 Amazon Prime Store Card – 5% Cash Back, No Limits, Prime Required ($99 year)
- 1.6 U.S Bank Cash+, 5% Cash Back, Up To $2,000 Per Quarter, No Annual Fee
- 2 Honorable Mentions
- 3 Another Option To Get 5x+
- 4 Final Thoughts
Citi AT&T Access More – 3x ThankYou Points, No Limits, $95 Annual Fee
This card earns 3x ThankYou points on all online retail websites. It should work on Amazon too.
There is a $95 annual fee, but you’ll also earn a bonus 10,000 points if you spend more than $10,000 within a card member year.
Citi Forward (No Longer Available For New Sign Ups), 5x ThankYou Points, No Annual Fee
This card card is unfortunately no longer available for new sign ups, and you can’t product change to it either. It earns 5x ThankYou points on entertainment purchases (books, music, movies, and restaurants).
Because Amazon codes as a bookstore it’s possible to get 5x points. Keep in mind marketplace purchases won’t code as a bookstore, but you can get around this by just purchasing Amazon gift cards.
VantageWest Credit Union Connect Rewards Credit Card – 5x, No Annual Fee ($15 Joining Fee), $1,500 Limit Per Quarter
Card lets you choose one category to earn 5x points in. Unfortunately there is a limit of $1,500 per quarter.
Chase Amazon.com Rewards – 3-5% Cash Back, No Annual Fee Or Limits
This card earns a flat 3% cash back on all Amazon.com purchases and is issued by Chase. There are no annual fees or limits.
If you have Prime ($99 per year), the card now earns a flat 5% back on Amazon purchases.
Amazon Prime Store Card – 5% Cash Back, No Limits, Prime Required ($99 year)
Amazon recently upgraded their Amazon prime store card and this now earns 5% cash back on all Amazon purchases. The only downside is that you must have Amazon prime which will cost you $99 per year.
U.S Bank Cash+, 5% Cash Back, Up To $2,000 Per Quarter, No Annual Fee
The U.S Bank Cash+ card lets you choose two categories that you can earn 5% cash back in. You’re limited to spending $2,000 in these categories per quarter. One of the categories that you can choose is bookstores, which will work for Amazon (remember to purchase gift cards to be on the safe side).
Chase Freedom – 5x Chase UR Points, No Annual Fee, One Quarter Annually ($1,500 Limit)
This card earns 5x Chase UR points in rotating categories that change quarterly. You can spend a maximum of $1,500 in these categories per quarter. In 2013 and 2014, it was possible to earn 5x points in the fourth quarter of the year. In 2015, you’ll also be able to earn 5x points on Amazon purchases.
Discover It – 5% Cash Back, No Annual Fee, One Quarter Annually ($1,500 Limit)
Very similar to the Chase Freedom, this card earns 5% cash back in rotating categories and there is a $1,500 spending limit per quarter. 2013 and 2014 have both included online shopping/holiday shopping and Amazon coded correctly as 5% cash back in the fourth quarter. This trend will continue in 2015 with Q4 also being holiday shopping.
Another Option To Get 5x+
One of the good things about Amazon, is that Amazon gift cards are sold almost everywhere. Because these gift cards do not come with any fees, it’s possible to use a card that earns a category bonus at that specific merchant and get up to 5%.
For example, you could use the Chase Ink Plus to get 5x Chase UR points by purchasing Amazon gift cards at an office supply store. If you’re planning on going this route, you’ll find these links helpful:
- Credit cards that earn 5% or more cash back
- Best Credit Cards For Home Improvement Stores
- Best Credit Cards For Every Day Purchases
- Best Credit Card For Department Store Purchases
- Best Credit Card For Drugstore Purchases
- Best Credit Card For Charity Donations
- Best Credit Cards For Office Supply Purchases
- Best Credit Card For Grocery Store Purchases
- Best Credit Cards For Restaurant Spend
- Best Credit Cards For Bookstore Purchases
It’s also possible to earn 5x UR points purchasing Amazon gift cards online from Paypal Digital Gifts and from Gyft.
I’m sure I’ve missed some cards that earn at Amazon at good rates, if I have let me know what I missed in the comments. This is an update to the guest post I wrote for Saving Advice last year.
It’s always possible to get additional cash back by using a shopping portal, check Cash Back Monitor to see who currently has the best payout rates.