50 Best Credit Cards For Amazon | The Point Calculator

Best Credit Cards For

Amazon Purchases

A list of the 50 best credit cards for Amazon purchases based on your spend pulled from a database of 250+ cards. Compare results. Updates automatically.

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Amazon is one of the big four next to Facebook, Apple, and Google. If you enjoy spending on Amazon's website, you'll have a good handful of options to earn an easy 3% to 5% on your spend.

Amazon has five credit cards under their belt that's divided between Synchrony, Chase Bank, and American Express. Regardless of which card you own, you'll earn 5% cash back as an Amazon Prime member and 3% cash back as a non-Amazon Prime member. The earnings will adjust automatically based on your membership with Amazon. If you have Amazon Prime, Amazon's credit cards should be your goal as none of their cards have annual fees.

The Bank of America Cash Rewards Card offers 3% cash back on Online Shopping which includes purchases made on Amazon.com. If you have between $25k to $100k to invest with Bank of America or their partners, you can earn as high as 5.25% cash back per $1 spent. Even by just having a Bank of America checking or savings account, you can earn a 10% boost which nets you a 3.3% return.

While these options aren't included in the calculator below, honorable mention goes to the Discover IT Card and Chase Freedom Card which are 5% cash back cards with quarterly rotating categories. Both cards typically feature Amazon.com at least once during the year in which you can earn 5% and that's usually during the last quarter of the year (October-December) which can be good for holiday shopping. Discover even matches the cash back you earn the first year meaning you can earn 10% cash back on up to $1,500 spent during each quarter.

Outside of those options, your other best bets consist of credit cards that offer rewards in which you can get more than a 1 cent per point return. This includes cards like the American Express Blue Business Plus which earns Membership Rewards Points redeemable for as high as 2+ cents each or Chase's Ink Business Cash or Freedom Unlimited cash back cards in which both are capable of being converted to Ultimate Rewards Points redeemable at 1.25 to 2+ cents each if you own at least one Ultimate Rewards Points earning card.

Category Calculator

Listed below are the best credit cards for the given category sorted by return. Some credit cards have a wide range of value due to having multiple redemption options that yield such. For example, you may be able to redeem a program's points for cash back at value of 0.5 cents each but redeeming the same points for travel could offer a value of 1.25 cents each. You don't want to pick up a card that has an annual fee that doesn't match up with how you plan on redeeming your rewards. That will give you a negative return and no one wants that. So be sure to research the value of points and miles to get an idea of how value they will have for you. Don't go by the return values listed below alone.

You can click on a card's Rewards Calculator button (where applicable) to calculate how much you can earn across all categories on the card based on your spend, how much you value the benefits of the card, and any annual fees including authorized user fees (if applicable). You'll also be able to compare the results side by side any other card featured on the site based on the same spend. And spend you enter into a credit card rewards calculator will carry over to other credit card calculators on the site.

Compare credit cards side by side based on spend, benefits, and fees.

You can click on the name of the rewards the card earns to learn more about earning, redeeming, and transferring rewards within that rewards program as well as other useful information such as elite status, buying/gifting rewards, and much more. These also pages features additional calculators that can lend a hand in determining if a program could be a good fit based on your spending habits.

Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Re-Calculate to refresh the results.

Adjust Transferable Points

Credit cards that are part of the American Express Membership Rewards, Chase Ultimate Rewards, Citi ThankYou Rewards, and Capital One Rewards programs will normally be towards the top of the list due to the value of transferring rewards to partners. Selecting this box will give these currencies their non-point transfer value. You will need to Re-Calculate after changing this option.

Bank (Holder)

The bank issuing the card.


The network the card is tied to.

Card Type

The type of card such as co-branded airline cards, hotel cards, cruise line cards, etc.

Rewards Type

The type of rewards the card earns.


Toggle switch for displaying personal and business cards. Card combos are also featured on this site (i.e. AMEX Trifecta, Chase Trifecta).

Annual Fee (Range)

The range of fees you're willing to pay to wield such cards.

Foreign Transaction Fee

The percentage of fees you'll pay on the dollar when you use the card outside of it's region.


The region that the card is offered in. Credit cards from other regions are featured on this site, but for now this is set to USA only.


Do note that results may take a few seconds to generate after doing a search.

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Written By: Robert Flowers III

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

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