Posted by William Charles on April 28, 2015
Credit Cards

Published on April 28th, 2015 | by William Charles

60

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.

Personal Cards

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.

 

VantageWest Credit Union Connect Rewards Credit Card – 5x, No Annual Fee ($15 Joining Fee), $1,500 Limit Per Quarter

Our review

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.

 

Honorable Mentions

Chase Freedom – 5x Chase UR Points, No Annual Fee, One Quarter Annually ($1,500 Limit)

Our full review of this card

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)

Our full review of this card

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:

It’s also possible to earn 5x UR points purchasing Amazon gift cards online from Paypal Digital Gifts and from Gyft.

Final Thoughts

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.

Don’t forget to use a shopping portal.

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.



60
Leave a Reply

avatar
 

  Subscribe  
newest oldest most voted
Notify of
MilesCollector
MilesCollector

You can also purchase amazon GCs at GYFT.com and if you pay via paypal with your chase ink plus, then you also get 5X points. The GC code is delivered instantly to your GYFT account and can be used instantaneously. You also can pick any amount starting from $10 onwards. So, you can figure out the purchase price and then buy the GC accordingly.

Dan
Dan

First time Ive heard about Gyft and Ink, interesting. It codes as utilities?

MilesCollector
MilesCollector

Yes. It does. If you via ebates, you also get 1% CB. So, it’s a win win situation.

Dan
Dan

That is awesome, thanks for sharing. I was banned from buying from PP Digital Gifts (Paypal support is unhelpful and wont explain) so having another easy way to get 5x for Ebay GCs is great. Just checked and it looks like Topcashback gives 2%

MilesCollector
MilesCollector

I had the same situation. So, had to figure out an alternative way and I accidentally ran into this. One thing to remember is TCB does not give CB on ebay GCs, so while ebates guarantee 1% on all purchases, TCB is selective. So, use TCB with caution. I would rather have 1% guarantee than have to take a guess on 2%.

Ugly
Ugly

Gyft stopped paying out commissions on eBay GC earlier this month, along with several others including Amazon. The clicks track in TCB, but no earnings.

Dan
Dan

Thanks again for the heads up. I see they sell their own gift cards. Could theoretically purchase Gyft cards with TCB then use those cards to purchase Ebay. Might be excluded from TCB as well, I’ll put in a test to see.

arbi
arbi

Thanks, blabbermouth. This one will go the same way as GCM…

Dan
Dan

Is it not hypocritical to call out people for sharing information when in all likelihood, the information you have was via sharing? Or did you personally come up with everything you know?

arbi
arbi

Well, there is sharing, and there is shouting it from the rooftop every. single. time. someone brings up gift cards on a blog. Someone wants to be seen, or owns stock in said company, or something…

KP
KP

Close your ears (to be inferred as so testing blogs) if you don’t want to hear the person shouting from the rooftop.

All deals will die someday, and you did not find each and every deal that is out there. The sooner you realize that, the happier you would be.

DrForce
DrForce

You missed U.S. bank cash+ when one of the categories is set to bookstores.

MilesCollector
MilesCollector

GYFT does pay out comissions via ebates with 1% CB. I bought $350 worth of ebay GCs yesterday to buy the discounted babies r us gift card that went on sale yesterday. After few hours I got ebates confirmation email for $3.50 CB earned. Also, I bought $10 amazon GC for a smaller purchase and got $0.10 CB confirmation email after few hours. As I said CB via TCB is questionable, but so far Ebates seems to be working.

Chucks
Chucks

Citi Forward+ Prestige= 8% back on Amazon.com when redeemed for AA/US flights

Dubs
Dubs

For those who know they will spend a lot at Amazon (no time limit), TurboTax adds 10% onto any portion of your tax refund that you turn into an Amazon gift card. This may not be for everyone but may be valuable for some people. We are Amazon Mom and prime members and have reaped large benefits to those memberships. In addition, we have basically gotten $200 free (10%) of the $2000 of our tax refund we have applied to Amazon gift cards over the course of the last two years.

Again, not for the hardcore points and miles junkies (since this doenst earn any points) but if you are not a hardcore traveler in this hobby and value cash as well, this is a good strategy (if you buy a lot at Amazon).

trackback

[…] These could be nice for use at these merchants. (Not too easy for reselling purposes.) And remember to use a credit card which has a high earning on Amazon purchases. […]

trackback

[…] Using Chase UR points for Amazon purchases is stupid, you only get 1¢ and you get that rate when you redeem for cash. It would make more sense to take advantage of one of the travel partners Chase UR has, or redeem for cash and then use a credit card that earns at a high rate on Amazon.com purchases. […]

dbeach
dbeach

For me the Freedom Q4 bonus is enough. I just build up my gift card balance in October and use that over the course of the next 12 months.

trackback

[…] also that you can get up to 5% back on Amazon purchases by using the right credit card, see Best Credit Card for Amazon Purchases. Currently, Discover cashback is doubled for many of us which means you can get 10% back from the […]

trackback

[…] At least last year you could also get 5% at department stores as well. A discount of 5% is nice at Amazon, but not really anything special as it’s possible to get that year round. […]

trackback

[…] Best Credit Cards For Amazon Purchases – Up to 5x Points/5% Cash Back […]

trackback

[…] Some people won’t want to use this option since they prefer to use a credit card that gets bonus points on Amazon. […]

Ruby
Ruby

Does gyft payment through paypal using ink still give 5x?

trackback

[…] do it once per lifetime – not exactly sure how it works out if you’re targeted or not. Use a credit card that earns at a high rate on Amazon purchases to get a larger […]

trackback

[…] otherwise why some are targeted and some aren’t; easy enough to click the link and find out. Use a credit card that earns at a high rate on Amazon purchases to get a larger […]

Back to Top ↑