Credit Cards That Earn Amazon Points

chase amazon credit card chase amazon prime credit card amazon prime store card amazon business amex card amazon prime business amex card

Get a list of Amazon Point earning credit cards and the benefits of each, plus calculate how many points you can earn based on your spend and compare!


Amazon offers five credit cards that can earn you Amazon Rewards Points. Those cards are:

  • Amazon Prime Store Card
  • Chase Amazon Card
  • Chase Amazon Prime Card
  • Amazon Business AMEX Card
  • Amazon Business Prime AMEX Card

Each one of these cards earns rewards that can be used towards purchases made on the Amazon website. These are typically the best options when it comes to anyone looking to consistently earn an easy 3% to 5% back on Amazon purchases as well as earn money back on Whole Foods Market and Amazon Business spend.

Amazon Credit Cards

Amazon has a total of six credit cards in which five of them will earn you rewards with Amazon that you can use towards purchases. These cards are offered by Synchrony Bank, Chase, and American Express. None of these cards have annual fees, but the Prime versions do require you to have Amazon Prime.

Amazon Prime Store Card Amazon Prime Store Card

The Amazon Prime Store Card is a store card for Amazon Prime members that offers the choice of 5% back when spending on Amazon.com or promotional financing on your purchases. You'll need to choose either or when paying or your purchase. The promotional financing will give you 6 to 18 months to pay for your purchases based on the amount of the purchase. This is a great way to spread out the cost of large purchases. In my opinion, the Amazon Prime Store card is the best option for anyone looking to strictly earn rewards with Amazon or use their promotional financing. If you don't plan on using this card outside of Amazon or for Amazon's business services, there would be no reason to really pick up the Chase Amazon Cards or AMEX Amazon Business Cards.

amazon prime store card
Benefits of the Amzon Prime Store Card

Chase Amazon Card Chase Amazon Card

The Chase Amazon Card is a Visa card that earns Amazon Rewards Points on eligible purchases ran through the card. When you apply for the Chase Amazon Card without Amazon Prime membership, you'll receive the non-Prime version of the card which earns Amazon Rewards Points at the following rates:

  • 3% Back With Amazon
  • 3% Back With Whole Foods Market
  • 2% Back At Restaurants
  • 2% Back At Gas Stations
  • 2% Back At Drugstores
  • 1% Back Everywhere Else

Since it's a Chase credit card, it will also come with travel insurance and purchase coverage. This includes:

The Chase Amazon Card has no annual fee and is a great option if you're looking to earn rewards spending with Amazon, but don't have Amazon Prime.

Chase Amazon Prime Card Chase Amazon Prime Card

The Chase Amazon Prime Card is for Amazon Prime members who applies for the Chase Amazon Visa. This version bumps up the earnings a tad bit across. With this card you'll earn Amazon Rewards Points at the following rates:

  • 5% Back With Amazon
  • 5% Back With Whole Foods Market
  • 2% Back At Restaurants
  • 2% Back At Gas Stations
  • 2% Back At Drugstores
  • 1% Back Everywhere Else

You'll also receive all of the same benefits as the non-Prime version when it comes to travel insurance and purchase coverage. This is a great option if you're looking to earn Amazon Rewards Points shopping outside of Amazon.com including Whole Foods Market, dining out at restaurants, and more.

Amazon Business AMEX Card Amazon Business AMEX Card

The Amazon Business AMEX Card is for businesses looking to earn Amazon Rewards on business purchases that does not have Amazon Prime membership. With this card you will earn Amazon Rewards Points at the following rates:

  • 3% Back With Amazon
  • 3% Back With Amazon Web Services (AWS)
  • 3% Back With Amazon Business
  • 3% Back With Whole Foods Market
  • 2% Back At U.S. Restaurants
  • 2% Back At U.S. Gas Stations
  • 2% Back At U.S. Wireless Telephone Services
  • 1% Back Everywhere Else

As a cardholder, you'll also have the option to opt in for a 60-day payment term instead of 3% back on Amazon properties. This can be useful to some businesses that may need the extra time to pay for a big purchases when waiting for additional income to roll in.

If your business frequently uses Amazon, this could be a great option if you're looking to earn points redeemable towards future purchases made with Amazon.

Amazon Business Prime AMEX Card Amazon Business Prime AMEX Card

The Amazon Business Prime AMEX Card is the version that cardholders with Amazon Prime will receive. It offers additional points with Amazon properties along with a longer payment term. You'll earn Amazon Rewards Points at the following rates with the Amazon Business Prime AMEX Card:

  • 5% Back With Amazon
  • 5% Back With Amazon Web Services (AWS)
  • 5% Back With Amazon Business
  • 5% Back With Whole Foods Market
  • 2% Back At U.S. Restaurants
  • 2% Back At U.S. Gas Stations
  • 2% Back At U.S. Wireless Telephone Services
  • 1% Back Everywhere Else

If your business has Amazon Prime, this is the way to go if you want to maximize your earnings spending with Amazon. On top of the accelerated earning rates, you'll also receive a 90-day payment term that you can choose over the 5% back option when making purchases with Amazon properties.

Earning With Prime vs Without Prime

If you already have Amazon Prime and don't have an Amazon credit card, more than likely you have Prime because the membership is useful to you. If you don't have Amazon Prime and you're considering picking up Amazon Prime to have access to the increased 5% earning rates, then you'll need to run the numbers. When going this route, you'll want need to factor in the $119 Amazon Prime Membership fee and consider that to be the annual fee for having the Prime versions of any Amazon credit card.

Looking at Amazon Properties alone, the break even point for Amazon Prime Credit Cards versus the Non-Prime version is around $500 per month. This means if you spend more than $500 per month with Amazon Properties, you'll want to grab up Amazon Prime membership because you'll earn more Amazon Rewards Points and receive a better return on your spend. Amazon Properties include:

  • Amazon.com
  • Amazon.com/Business
  • U.S. Whole Food Market Locations
  • Whole Foods Market 365 Stores
  • www.wholefoodsmarket.com
  • U.S. Amazon Go Locations
  • U.S. Amazon Books Locations
  • Businesses Operating As Amazon Web Service in the U.S.

Outside of the increases earnings and additional benefits with credit cards, Amazon Prime also offers a bunch of other stuff including:

  • 2-Day Shipping
  • Orders Delivered Together
  • Prime Member Deals
  • Prime Video
  • Amazon Photos
  • Amazon Originals
  • Amazon Music

You can always try Prime out for 30-days for free to see if you like the benefits. Discounts are available for qualifying EBT and government assistance programs as well.

Amazon Shop With Points

In addition to using Amazon's own co-branded credit cards, you can also pay for Amazon purchases using points earned in several other rewards programs. This includes:

  • American Express Membership Rewards
  • Capital One
  • Discover
  • Citi ThankYou Points
  • Chase Ultimate Rewards
  • Hilton Honors

You can use points from these programs by linking your Amazon account to the Amazon Shop With Points portal. The value you get from shopping with points using these programs will generally be lower than the average value of what the points are worth. For example, 1,000 Membership Rewards Points is worth $7 when used to checkout at Amazon whereas you can redeem the same amount for $10 towards airfare on the AMEX portal or upwards of $20 in value when transferred to airline and hotel partners.

With such low value, you may ask what's the benefit of redeeming points with these programs directly with Amazon? The benefit comes from the promotions that Amazon has occasionally when you redeem points towards purchases. There are time in which using a small amount of points (typically a single point) can earn you $25 or more off your purchase.

You can get an example of how this works on the Doctor of Credit website. Will explains how it works and typically writes posts when these types of deals are available.

Comparison Calculator
Rewards and Card Value Comparison Calculator

You can use this rewards comparison calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the cards based on rewards earned and how much each benefit is worth to you minus the fees. You'll be able to change the cards in both columns with this calculator.

All category spend entered in the first column will carry over to all credit card pages on the site. This means you don't have to re-enter the same information over again. You can use the Copy functions under the Options menu within the Categories & Bonuses section.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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Rakuten Rewards

$20 Bonus
Earn $20 or 2,000 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $20+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
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