Last updated: September 2026. Card details below were verified against the issuers’ official pages as of this date. Card terms, rewards, and welcome offers change frequently — always confirm current terms on the issuer’s official website before applying. This article is for informational purposes only and does not constitute financial advice.
Best Credit Cards for Amazon Purchases (2026)
If you shop on Amazon regularly, the right credit card can turn your everyday orders into meaningful cash back. One card stands clearly above the rest for Amazon loyalists, but it isn’t the only option — and whether it’s right for you depends on whether you’re an Amazon Prime member. Below, we compare the best cards for Amazon purchases in 2026, from the top dedicated Amazon card to flexible alternatives that also reward the rest of your spending.
For a broader look at cards that reward online shopping generally, see our Best Credit Cards for Online Shopping (2026).
At a Glance
| Card | Amazon Rewards | Annual Fee | Best For |
|---|---|---|---|
| Prime Visa | 5% at Amazon & Whole Foods (with Prime) | $0* | Amazon Prime members |
| Amazon Rewards Visa | 3% at Amazon & Whole Foods | $0 | Non-Prime Amazon shoppers |
| Chase Freedom Flex | 5% when Amazon is a rotating category | $0 | Occasional 5% via categories |
| Capital One Quicksilver | 1.5% flat | $0 | Simple all-around cash back |
*The Prime Visa has no annual fee, but requires a paid Amazon Prime membership for the 5% rate.
How We Ranked These Cards
Every card here is judged on the same criteria: the Amazon rewards rate, whether a membership is required, the annual fee, rewards on non-Amazon spending, and any caps. For heavy Amazon shoppers, a dedicated 5% card is usually best; for lighter or more varied spenders, a flexible card may make more sense.
1. Prime Visa — Best for Amazon Prime Members
- Rewards: Unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods, and on Chase Travel; 2% at gas stations, restaurants, and on local transit/rideshare; 1% on everything else
- Bonus: A rotating selection of Amazon items and categories can earn 10% or more (with an eligible Prime membership)
- Annual fee: $0 (requires a paid Prime membership); no foreign transaction fees
- Welcome offer: An instant Amazon gift card on approval for Prime members — confirm the current amount
The Prime Visa is the clear winner for Amazon loyalists. Its unlimited 5% back at Amazon and Whole Foods is the highest ongoing Amazon rate available, with no cap, and the cash back is often available to redeem as soon as the next day. It also has no annual fee (beyond the Prime membership you’d likely have anyway) and no foreign transaction fees, and it’s a metal card. The 5% rate requires an active Prime membership — cancel Prime, and you drop to the lower-earning version.
Who it’s for: Amazon Prime members who shop on Amazon or at Whole Foods regularly.
Watch-outs: The 5% rate depends on keeping Prime active, and there’s no 0% intro APR offer.
2. Amazon Rewards Visa — Best for Non-Prime Shoppers
- Rewards: 3% back at Amazon.com and Whole Foods (without a Prime membership); 2% at gas stations, restaurants, and drugstores; 1% elsewhere
- Annual fee: $0; no foreign transaction fees
If you shop on Amazon but don’t want to pay for Prime, the Amazon Rewards Visa earns 3% at Amazon and Whole Foods without a membership requirement. It’s the same idea as the Prime Visa at a lower rate — a reasonable pick for regular-but-not-heavy Amazon shoppers who aren’t Prime members.
Who it’s for: Amazon shoppers who aren’t Prime members and want a no-fee Amazon card.
Watch-outs: At 3%, it earns less than the Prime Visa’s 5% — if you’d get Prime anyway, the Prime Visa is better.
3. Chase Freedom Flex — Best for Occasional 5% via Categories
- Rewards: 5% in rotating quarterly categories on up to $1,500 per quarter (activation required) — Amazon is frequently a featured category; 3% on dining and drugstores; 1% elsewhere
- Annual fee: $0
The Chase Freedom Flex doesn’t reward Amazon year-round, but Amazon is a common quarterly bonus category. When it is, you earn 5% (up to $1,500 that quarter) — matching the Prime Visa without needing a Prime membership. It’s a good option if you’d rather not commit to an Amazon-specific card and can take advantage of the quarters when Amazon is featured.
Who it’s for: People who want a versatile no-fee card that earns 5% at Amazon when it’s a featured quarter. See Chase Freedom Flex vs. Unlimited (2026) for how it compares to its sibling.
Watch-outs: Amazon only earns 5% during quarters it’s featured, and you must activate the category each quarter.
4. Capital One Quicksilver — Best for Simple All-Around Cash Back
- Rewards: Unlimited 1.5% cash back on every purchase, including Amazon
- Annual fee: $0; no foreign transaction fees
If you don’t want an Amazon-specific card at all, the Quicksilver earns a flat 1.5% on everything, Amazon included, with no categories or memberships. It won’t match the Prime Visa’s 5% at Amazon, but it rewards all your other spending equally — which can be simpler if Amazon is just one of many places you shop.
Who it’s for: People who want one simple card for everything, not a store-specific one. For more flat-rate options, see the Best Cash Back Credit Cards (2026).
Watch-outs: Its 1.5% is well below the Prime Visa’s 5% for Amazon specifically.
Full Comparison
| Card | Amazon Rate | Prime Needed? | Cap? | Annual Fee |
|---|---|---|---|---|
| Prime Visa | 5% | Yes | None | $0* |
| Amazon Rewards Visa | 3% | No | None | $0 |
| Chase Freedom Flex | 5% (when featured) | No | $1,500/qtr | $0 |
| Capital One Quicksilver | 1.5% | No | None | $0 |
How to Choose the Right Amazon Card
- Are you a Prime member? If yes, the Prime Visa’s 5% is hard to beat. If no, weigh whether the 3% Amazon Rewards Visa or a flexible card fits better.
- How much do you shop on Amazon? Heavy Amazon shoppers benefit most from a dedicated 5% card. Lighter shoppers may prefer a flexible card.
- Do you want a store-specific card? A dedicated Amazon card maxes out Amazon rewards; a flat-rate card rewards everything evenly.
- Consider the rest of your spending. The Prime Visa only earns 1% outside its bonus categories, so pair it with a better everyday card if needed.
A Note on Using Rewards Cards Responsibly
Amazon rewards only benefit you if you pay your balance in full each month, since interest at a typical variable APR will outweigh any cash back earned. These cards are generally aimed at applicants with good to excellent credit, and approval decisions are made solely by the issuing bank. If you’re still building credit, the Best Credit Cards to Build Credit (2026) is a better starting point.
Frequently Asked Questions
What’s the best credit card for Amazon?
For Amazon Prime members, the Prime Visa is the best option, earning unlimited 5% back at Amazon and Whole Foods with no annual fee (beyond Prime). Non-Prime members can use the 3% Amazon Rewards Visa or a flexible card instead.
Do I need Amazon Prime to get the 5% rate?
Yes. The Prime Visa’s 5% rate requires an active Amazon Prime membership. If you cancel Prime, you’re downgraded to the lower-earning version of the card.
Can I earn 5% at Amazon without an Amazon card?
Sometimes. Rotating-category cards like the Chase Freedom Flex frequently feature Amazon as a 5% quarterly category (up to a cap, with activation), letting you match the Prime Visa’s rate without a Prime membership during those quarters.
Is the Prime Visa worth it if I don’t shop much on Amazon?
Probably not. Its main strength is the 5% at Amazon; outside its bonus categories it earns only 1%. If Amazon is a small part of your spending, a flat-rate cash back card may serve you better overall.
Our Editorial Approach
Every card featured here is evaluated using the same criteria — Amazon rewards rate, membership requirements, annual fee, non-Amazon rewards, and caps. Card details are verified against the issuers’ official pages at the time of writing, and this article shows a «last updated» date. We update our comparisons when issuers change their terms.
This article is for informational purposes only and does not constitute financial advice. We are not a licensed financial advisor, and card approval decisions are made solely by the issuing bank. Rates, fees, and offers are subject to change — always confirm current terms with the issuer before applying.