Best Credit Cards For Amazon Purchases

Get a list of the best credit cards for Amazon shopping based on how much you spend with them per month or year. Compare results side by side.
Last Updated: 2020-11-23

Top Picks

The Point Calculator's top picks for best credits cards to use shopping on are:

  • Chase Amazon Credit Cards
  • Citi Double Cash Card
  • AMEX Blue Business Plus Card
  • Discover IT / Chase Freedom Flex

Listed below are details on why I consider the selected cards to be great options for earning rewards with Amazon.

Chase Amazon Credit Cards

Chase offers a total of two Amazon credit cards that you can use to earn Amazon Points. Those cards are the Chase Amazon Card and Chase Amazon Prime Card. Which card you have depends on whether or not you have Amazon Prime. Those with Amazon Prime will earn 5% back on Amazon and Whole Foods Market purchases and those without Prime will earn 3% back on both. If you have Amazon Prime already, you'll end up with the Chase Amazon Prime Card which is great. If you don't have Prime and you're thinking of getting Prime just for the 5% back, you'll want to make sure that you spend at least $500 a month on Amazon which is where the break even point is across the Prime and non-Prime version. Of course you'll also want to consider the extra benefits that comes with being a Prime member as well.

Citi Double Cash Card

The Citi Double Cash Card earns 2% cash back on all purchases and has no annual fee. While this does not offer as much of a return as the Chase Amazon credit cards, you'll be able to earn a 2% return across all of your purchases so you're not stuck earning bonus rewards spending specifically with Amazon and Whole Food Market. Another plus to this card is that you can convert your earned cash back into Citi ThankYou Points and if you have the Citi ThankYou Premier or Citi Prestige Card, you can transfer those points to a handful of airline frequent flyer programs.

AMEX Blue Business Plus Card

The Blue Business Plus Card is commonly seen in many top credit card lists because of the large amount of value it offers. The card earns 2 Membership Rewards Points per $1 spent on the first $50,000 in purchases made during the year. This gives you a 2% return when you redeem points towards airfare through the American Express Travel Portal. You can also transfer Membership Rewards Points to large amount of airline and hotel programs to top off your favorite frequent flyer accounts.

Bank of America Cash Rewards Mastercard

The Bank of America Cash Rewards Mastercard is one of the best options if you have money to invest with them and their partners. You can earn up to a 75% bonus investing which will allow you to earn up to 5.25% back on any category that you choose from a list of eight in which online shopping (e.g. is one of those categories. The table below lists out the bonuses you can obtain with a banking relationship or by having investments.

Customer Bonus & Preferred Rewards Client Bonuses
Tier Balance Requirement Bonus
None Checking/Savings Account 10% Bonus
Gold $20k to <$50k 25% Bonus
Platinum $50k to <$100k 50% Bonus
Platinum Honors $100k+ 75% Bonus

Discover IT / Chase Freedom Flex

The Discover IT and Chase Freedom Flex both feature quarterly rotating categories that earns 5% cash back on up to $1,500 in spend during any given quarter. Both cards typically feature at least once during the year. The quarter in which this happens is usually the 4th quarter (Oct-Dec). That makes both of these cards a solid option if you primarily shop on Amazon during the holiday season since you'll be able to earn 5% cash back across these two no-annual fee credit cards.

Best Cards By Spend Calculator

The Best Credit Cards By Spend Calculator will find the best credit cards based on the spend and selected filter options. Results will be sorted by net return which is the average value of the total rewards earned, plus annual credits, and minus annual fees. For any of the results listed, you can click on 'Rewards Calculator' to calculate more accurate results. You'll be able to enter spend for as many categories as you want, toggle annual fees, add authorized users, specific elite status and memberships, incorporate sign up and welcome bonus, view rewards as if you transferred them to partners, and much more.

Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.

Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option. If you want to calculate based on a full year, you can leave it set to a duration of 'year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such. Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations. You can set any of the currencies listed below to 0 to calculate based on the non-transfer value (in which most are 1 cent per point with the exception of Chase's 1.25/1.5 cent redemptions).
When transferring to other programs, you should be able to get 1 to 2 cents in value for most of the programs listed below, so I defaulted most to a low average of 1.5 cents. You can click on the to learn more about the value of the currency (opens in a new tab/window).

Include Annual Credits/Bonuses

Several credit cards feature annual bonuses. These are usually anniversary bonuses for having the card, airline credits, hotel credits, and more. If you want these included in the calculation, you can check thy box below.


The bank that issues the card. De-select the banks that you do not want in the results.


The network that the card is tied to such as VISA, Mastercard, Discover, or AMEX.

Card Type

The type of card such as a co-branded airline card, bank rewards card, or cash back card. Do note that some store cards will appear under cash back if you're able to redeem cash back like a normal cash back credit card.

Reward Type

The type of rewards the card earns. This will either be points, miles, or cash back.


Toggle the showing of personal or business cards in the results. Card combinations are also featured on this site. The combo option is only available if it's more than one category you're enter spend for.

Annual Fee

The range of fees you're willing to pay to wield such awesome credit cards. Selecting the First Year Free (FYF) / First Year Reduced (FYR) option will calculate FYF/FYR credit cards with their free or reduced annual fee.

Income Requirements

Some credit cards require a certain amount of annual individual or household income. Enter a max income or enter 0 to show all cards.

Foreign Transaction Fees

Toggle whether to include credit cards that have a foreign transaction fee, foreign conversion fee, or any other type of charge that has to do with making purchases outside of the region.


Do note that results may take a few seconds to generate after doing a search.
You can click on the 'More Info' for any of the cards listed in the results to calculate even more accurate results. You can also click Apply to apply for the card.
Results Will Appear Here

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