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Maximize Your Holiday Shopping: 6 Top Credit Cards to Use for Amazon Purchases

There are multiple cards that can help you make the most of holiday shopping, read more to find out which one works for you.

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On Amazon, there are literally over a million goods to pick from, so it’s critical to plan your shopping and utilize the best credit card to get the most rewards or cash back.

Here are the best cards for shopping on Amazon this holiday season and beyond.

Citi Double Cash Card

If simplicity and rewarding are what you’re after in a credit card, the no annual fee Citi® Double Cash Card, from our partner Citi, is a tough competitor in the cash back credit card market. Cardholders will earn 2% cash back on all purchases — with no bonus categories to memorize — 1% when you buy, plus 1% as you pay. That means any Amazon purchases you make on Prime Day and all-year-round, will earn 2% back when you pay off your credit card statement. There is no cap on the amount of cash back you can obtain. To earn cash back, pay at least the minimum due on time.

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: 2% Cash Back
APR: Variable APR Between 17.74% – 27.74% After Intro 0% APR Period
Rewards Rate: 2% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: New cardholders enjoy 0% introductory APR on all balance transfers for the first 18 months of account opening and are charged an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first four months of account opening. After that, the fee will be 5% of each transfer (minimum $5). Once the no-interest offer concludes, a variable APR between 17.74% – 27.74%, based on creditworthiness, will apply to all balances.

APR: After the intro 0% APR offer concludes, a variable APR will apply.

Rewards Rate: The card offers 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.

Who Should Use This Credit Card? People who want simple, flat-rate cash back on all of their spending.

Why We Like It

Why We Like the Citi® Double Cash Card

The Citi® Double Cash Card, from our partner Citi, is among the top cards on the market for general spending. Forget the cards that offer 1% and 1.5% cash back. The Citi Double Cash Card offers you a whopping 2% cash back for all spending. Earn 1% back when you make a purchase and 1% back when you pay your account balance. To earn cash back, pay at least the minimum due on time.

The credit card’s rewards rate makes it perfect for all of the odds and ends you buy from random stores and uncategorized vendors.

The cash back earned from the Citi Double Cash Card can be converted to ThankYou Points (via a linked ThankYou account) and redeemed for a variety of things, including travel, gift cards, retail, and more. Furthermore, if you’re looking to save on interest from another credit card with high debt, this card comes with a helpful 18-month, 0% APR introductory balance transfer offer for new cardholders. Read our full review of the Citi Double Cash Card.

Amazon Prime Rewards Visa Signature Card

man using a gas pump
iStock

If you do most of your shopping at Amazon, then the Amazon Prime Rewards Visa Signature Card is a no-brainer option for your Prime Day purchases (and all-year-round). 

The Amazon Prime Rewards Visa Signature Card delivers 5% cash back at Amazon and Whole Foods, in addition to 2% cash back at restaurants, gas stations, and drugstores, and 1% cash back on all other purchases. The return on Amazon is higher than that of any other card on our list for the entire year. Best of all, there’s no annual fee to worry about.

This year, cardholders can get an additional 1% cash back, for a total return of 6% on Prime Day purchases. Keep in mind, that you’ll need to have an eligible Amazon Prime membership to qualify for the Amazon Rewards Visa Card. But that includes a host of perks, including two-day shipping.

Chase Freedom Unlimited

The Chase Freedom Unlimited credit card can be a decent middle ground if you’re not sure whether you want cash back or travel points from your Prime Day purchases. With this card, you earn a straightforward 1.5% cash back on all of your purchases, including those from Amazon. You can also earn elevated rates on select bonus categories, such as 5% cash back on travel purchases made through Chase Ultimate Rewards® and 3% cash back on dining purchases at restaurants (including takeout and eligible delivery services) and drugstores.

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: Extra 1.5% cash back on all purchases (up to $20,000 spent) in the first year
APR: Variable APR After Intro 0% APR Period
Intro Rewards Rate: 3%-6.5% Cash Back
Standard Rewards Rate: 1.5%-5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: This card allows new cardholders to save money with an introductory 0% interest rate on new purchases and balance transfers for the first 15 months of account opening.

APR: Variable APR depending on credit worthiness.

Bonus: Earn an additional 1.5% cash back on all purchases (up to $20,000) in the first year of account opening. This bonus is valued at up to $300 in cash back, and increases rewards rates to: 6.5% cash back on travel booked through Chase, 4.5% back on dining (including takeout and eligible delivery services) and drugstore purchases and 3% back on all other purchases.

Rewards Rate: After the bonus 1.5% cash back intro offer period concludes, earn 5% cash back on travel booked through Chase Ultimate Rewards®, 3% back at drugstores and on dining purchases and 1.5% back on everything else.

Who Should Use This Credit Card? Households that prioritize cash-back rewards for everyday spending and Chase loyalists who are looking to maximize Ultimate Rewards earnings.

Why We Like It

Why We Like the Chase Freedom Unlimited® Card

You don’t need excellent credit to get the Chase Freedom Unlimited. In fact, many cardholders report getting approved with good credit. We like that the card offers a high flat rewards rate but also provides accelerated rewards on some common everyday spending categories. You’ll also get access to the Chase Ultimate Rewards portal, which allows you to use your cash-back earnings for travel rewards, gift cards and more.

And that sign-up bonus? Adding extra value to everyday spending categories like dining and travel help elevate this card above its competitors. Add the fact that there’s a 0% introductory APR for 15 months, an extra 1.5% cash back bonus during the first year of account holding and no annual fee, and you’ll see why the Chase Freedom Unlimited is among our favorite flat-rate cards.

Additionally, you’ll discover that the cash back earned from the Chase Freedom Unlimited card really are Ultimate Rewards points — arguably the most valuable travel rewards currency on the market. While there are various ways to use these points, redeeming them to offset Amazon purchases would get you a subpar value of 0.8 cents per point. 

Instead, If you have another Chase Ultimate Rewards card, such as the Chase Sapphire Preferred Card, you can redeem your points for much greater value — either by booking travel through the Ultimate Rewards travel portal at an improved rate of 1.25 cents per point or higher (depending on the Ultimate Rewards card you hold) or transferring those points to any of Chase’s 14 airline and hotel reward partners. Read our full review of the Chase Freedom Unlimited card

Bank of America® Customized Cash Rewards Credit Card

The Bank of America® Customized Cash Rewards credit card, which is among the most popular cash back cards available, is an excellent compliment for your Amazon purchases. With this card, you can select which categories — gas, home furnishings, dining, travel, pharmacies, and online shopping — you want to earn 3% cash back on. Naturally, online shopping includes Amazon, so if you are a heavy spender at Amazon.com, you can earn 3% cash back on all Amazon purchases.

In addition, you can receive 2% cash back in wholesale clubs and grocery stores (up to $2,500 in combined quarterly purchases on 3% and 2% categories), followed by 1% on all other purchases. The card specializes in flexibility: for any reason, you can change your preferred bonus category up to once each month when you don’t spend on Amazon purchases. Read our full review of the Bank of America Customized Cash Rewards credit card.

Chase Freedom Flex 

grocery shopping
Unsplash

For those aiming to maximize rewards, the Chase Freedom Flex Card is a great card for your Amazon purchases. This card is known for its recurring 5% quarterly bonus categories when you activate (up to $1,500 each quarter), including popular everyday spending categories such as gas stations, grocery stores (excluding Target® and Walmart ®) and you guessed it, purchases at Amazon.com. 

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $200
APR: Variable APR After Intro 0% APR Period
Rewards Rate: 1%-5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: New cardholders can enjoy an introductory 0% APR on both purchases and balance transfers for the first 15 months. After the introductory period, a variable rate will apply. Balance transfers made within the first 60 days of account membership will be charged a balance transfer fee of either $5 or 3% of the amount of each transfer. After 60 days, that balance transfer fees increases to either $5 or 5% of the amount of each transfer, whichever is greater.

APR: Variable APR depending on credit worthiness. See terms for details.

Rewards Rate: Earn 5% cash back on up to $1,500 spent each quarter in rotating categories (when you activate), 5% back on travel booked through Chase Ultimate Rewards, 3% back on dining, including takeout and delivery, 3% back at drugstores and 1% back on everything else.

Sign-Up Bonus: Receive a $200 bonus after you spend $500 in the first three months.

Who Should Use This Credit Card? People who want to maximize cash-back rewards with the option to get more value with travel redemptions.

Why We Like It

Why We Like the Chase Freedom Flex℠ Card

We love that the Chase Freedom Flex card expands on an already lucrative offering from Chase. The original Chase Freedom card was already a solid choice for cash-back enthusiasts, and this one raises the bar.

The Freedom Flex also gives cardholders access to Chase Ultimate Rewards, which is arguably the most versatile credit card rewards platform available. You’ll get plenty of redemption options at good rates. Plus, if you have one of the program’s travel credit cards, you can transfer points from your Chase Freedom Flex to your travel card account and get even more value and flexibility with how you redeem.

Since Amazon is usually included as one of the 5% rotating bonus categories, once or twice per year, you could potentially earn $75-$150 cash back, if you reach the $1,500 spending cap each quarter. Amazon purchases exceeding the 5x quarterly max of $1,500, will earn an unlimited 1% cash back. 

Plus, cardholders can earn 3% cash back on dining, including takeout and eligible delivery, 3% cash back at pharmacies, and 1% cash back on other transactions. Right now, new cardholders can receive a $200 sign-up bonus after spending $500 in the first three months. Read our full review of the Chase Freedom Flex Card.

Discover it Cash Back

If you’re considering the Discover it® Cash Back card and repeatedly shop at Amazon.com, this card might be your best bet. That’s because Discover doubles all the cash back you earn in the first year. Similar to the Chase Freedom Flex Card, the Discover it Cash Back card offers 5% cash back (up to $1,500) in quarterly rotating bonus categories — which include Amazon for one quarter per year.

This card will appeal to those who enjoy making the most of rotating categories and value cash back over travel rewards. Since Discover doubles your cash back in the first year as a cardholder, you’re essentially earning a whopping 10% cash back on Amazon purchases. Read our full review of the Discover it Cash Back card.

Bottom Line

Whether on Black Friday or anytime throughout the year, if you shop at Amazon often, you should consider a credit card that rewards you handsomely for your spending. The best earning rates for Amazon shopping typically come from cash back cards, but several cash back cards can convert the cash they earn into valuable travel rewards. There are many different cards to choose from, and the best choice for you will depend on the type of rewards you prefer to earn.

While we work hard on our research, we do not always provide a complete listing of all available offers from credit-card companies and banks. And because offers can change, we cannot guarantee that our information will always be up to date, so we encourage you to verify all the terms and conditions of any financial product before you apply.

Juan Ruiz
Juan Ruiz
Juan has been writing and editing stories involving credit cards, loyalty programs, travel, and personal finance topics for more than 10 years. In addition to working and contributing to a number of outlets including The Points Guy, Forbes, and Business Insider, Juan was recently the editor-in-chief at Money Under 30, where he led a team of personal finance journalists. He is also an adjunct professor at Florida International University and a licensed real estate professional.

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