The Amazon Chase card cash back card is a popular choice for those who shop frequently on Amazon. It offers 3% cash back on purchases made on Amazon, up to $20,000 spent in a calendar year, and 1.5% cash back on all other purchases.
If you're a frequent Amazon shopper, this card can be a great way to earn cash back on your purchases. You'll also get a $150 bonus after spending $1,000 in the first 3 months of card membership.
One of the benefits of this card is that it has no foreign transaction fees, making it a good choice for international travel. However, it does have a $95 annual fee.
Credit Card Options
If you're looking for a credit card that offers cash back on Amazon purchases, you're in luck - there are several options to choose from.
The Amazon Prime Rewards Visa Signature Card is a great choice for frequent Amazon shoppers, offering 5% cash back on Amazon purchases, 2% back at restaurants, gas stations, and drug stores, and 1% back on all other purchases.
The Amazon Visa Card is another option, offering 3% cash back at Amazon and Whole Foods Market, 3% back on purchases made through Chase Travel, and 2% back at restaurants and gas stations.
If you're looking for a card with more flexibility, the Chase Freedom Flex offers 5% cash back on up to $1,500 in combined purchases in bonus categories that change quarterly, including Amazon.
Here are some of the top credit cards for Amazon purchases:
Ultimately, the best credit card for you will depend on your individual shopping habits and preferences.
Amazon Prime Card
The Amazon Prime Card is a great option for frequent Amazon shoppers, offering a generous 5% cash-back rate on Amazon.com purchases. This card is exclusive to Amazon Prime members, who can earn 5% cash back on Amazon and Whole Foods Market purchases.
The Prime Visa card has a $0 annual fee, but you must be an Amazon Prime member, which costs $139 annually. However, for eligible EBT and Medicare recipients or students, the membership is discounted to $84 per year or $69 per year, respectively. New applicants can earn a $100 Amazon Gift Card instantly upon approval exclusively for Prime members.
Cardholders earn cash back as follows: 5% back on purchases made through Chase Travel, 5% back at Amazon and Whole Foods Market, 2% back at restaurants, gas stations, and on local transit and commuting, including rideshare, and 1% back on all other purchases.
The Prime Visa also offers a sign-up bonus of a $100 Amazon Gift Card instantly upon approval exclusively for Prime members. There are no minimum redemption amounts, and there are no foreign transaction fees either. You'll also enjoy built-in perks like extended warranty protection, purchase protection, baggage delay insurance, travel accident insurance, lost luggage reimbursement, and access to the Visa Signature Concierge Service 24 hours a day.
Here are some key benefits of the Prime Visa card:
- 5% cash back on Amazon and Whole Foods Market purchases
- 5% cash back on purchases made through Chase Travel
- 2% cash back at restaurants, gas stations, and on local transit and commuting
- 1% cash back on all other purchases
- $100 sign-up bonus for new applicants
- No annual fee (but requires Amazon Prime membership)
- No foreign transaction fees
- Built-in perks like extended warranty protection and purchase protection
Card Details and Costs
The Amazon Chase cards come with a range of benefits and costs. There is no annual fee for either the Prime Visa or the Amazon Visa, which is a great perk.
To take advantage of the cards' benefits, you'll need an Amazon Prime membership, which costs $99 annually for the Prime Visa and $139 annually for the Prime Visa. I've found that the membership is worth it for the free two-day shipping and access to Amazon Prime Video alone.
New applicants for the Prime Visa can earn a $100 Amazon Gift Card instantly upon approval, exclusively for Prime members. This is a great incentive to sign up.
The cards also offer cash back on purchases, with varying rates depending on the card and the type of purchase. Here's a breakdown of the cash back rates:
There are no minimum redemption amounts for either card, which makes it easy to cash in your rewards. Additionally, both cards offer built-in perks like extended warranty protection, purchase protection, and access to the Visa Signature Concierge Service 24 hours a day.
Benefits and Worth
The Amazon Chase card cash back benefits are quite impressive. You'll instantly receive a $70 Amazon.com gift card when approved for the Amazon Prime Rewards Visa Signature Card, and 5% cash back on Amazon.com purchases with your Prime membership.
The card offers 2% back on restaurant, gas station, and drug store purchases, and 1% back on all other purchases. This is a significant upgrade from the original Amazon Rewards Visa credit card, which offers 3% cash back on Amazon.com purchases, 2% back at restaurants, gas stations, and drug stores, and 1% back on everything else.
You can redeem your rewards easily on Amazon.com, with no minimum amount needed for redemption. Each point is worth one cent, and you can pay for part or all of your purchase using your available points.
The card also comes with no foreign transaction fees, making it a great choice for frequent travelers. You'll receive travel accident insurance, baggage delay insurance, and lost luggage assistance.
If you have been considering an Amazon Prime membership, this card might be an incentive to sign up. The free two-day shipping can help you save a significant amount of money, and combine that with the 2% increase in earnings, you could potentially justify the $99 Amazon Prime membership fee pretty quickly.
Here are some of the top credit cards for Amazon purchases, including the Prime Visa, Amazon Visa, Discover it Cash Back, Chase Freedom Flex, and Citi Double Cash Card. Each of these cards offers unique features and benefits that cater to different shopping needs and preferences.
The Prime Visa offers the best rate for frequent Amazon shoppers, with a $0 annual fee and a respectable return on other common purchases such as restaurants, gas stations, and local transit and commuting.
Credit Card FAQs
The Prime Visa offers a respectable return on other common purchases such as restaurants, gas stations, and local transit and commuting (including rideshare), making it a great option for frequent Amazon shoppers.
Most people who are approved for the Prime Visa have a credit score in the good or excellent range, which means a FICO score of at least 670.
You can use the Prime Visa anywhere Visa is accepted, making it a convenient option for everyday purchases.
To maximize benefits, use your Amazon credit card for all Amazon and Whole Foods purchases to take advantage of the higher rewards rates.
Some top credit cards for Amazon purchases include the Prime Visa, Amazon Visa, Discover it Cash Back, Chase Freedom Flex, and Citi Double Cash Card.
Paying your balance in full each month is essential to avoid interest charges, which can be costly if you carry a balance.
Business Insider's credit card experts looked at cards that offer a bonus for general online shopping, in addition to cards that specifically reward purchases at Amazon.
Frequently Asked Questions
Can I get cash back on my Amazon Chase card?
Yes, you can redeem your points for cash back on your Amazon Chase card. Redeem your points as cash back, gift cards, or travel on Chase.com.
Does Amazon credit card have 5% cash back?
Yes, the Prime Visa card offers 5% cash back on eligible purchases, including Amazon.com, Amazon Fresh, and Chase Travel, but only for Prime members. Check your account for details on earning and redeeming rewards.
Does Chase have 2% cash back?
Yes, Chase offers 2% cash back on combined purchases at gas stations and restaurants, with an additional 1% on top of the standard 1% cash back in these categories. This rewards rate applies to the first $25,000 spent each account anniversary year.
How do I redeem my Chase cash back rewards?
To redeem your Chase cash back rewards, log in to your account online or through the app and navigate to the rewards section. Redeem your rewards at a rate of $1.00 per 100 points or 1 cent per point.
Sources
- https://www.businessinsider.com/personal-finance/credit-cards/best-credit-cards-to-use-amazon-purchases
- https://www.credit.com/blog/is-amazons-new-prime-credit-card-worth-the-cost-164628/
- https://awardwallet.com/blog/chase-amazon-cards/
- https://www.creditkarma.com/reviews/credit-card/single/id/chase-amazon-rewards-visa-card
- https://www.nerdwallet.com/article/credit-cards/best-credit-cards-to-use-at-amazon
Featured Images: pexels.com