Amazon Pay with Points: Maximizing Your Rewards

Amazon Pay with Points is a game-changer for frequent Amazon shoppers. You can earn rewards on every purchase, and redeem them for cash back, discounts, or gift cards.

By using Amazon Pay with Points, you can earn 1% to 5% cash back on every purchase, depending on the credit card you're using. This can add up quickly, especially if you're a frequent shopper.

To maximize your rewards, make sure to use the right credit card for the right purchase. For example, if you're buying a new TV, use a card that offers 5% cash back on electronics purchases.

Consider reading: Where Can We Use Amazon Pay

You can redeem your credit card points for Amazon purchases, but the redemption rates vary depending on your credit card program. Chase Ultimate Rewards points are worth 0.8 to 1.5 cents per point when redeemed for Amazon purchases.

If you have an American Express card, you'll get a redemption rate of 0.7 to 1 cent per point, which is lower than Chase's rate. Alternatively, you can redeem points for a statement credit to cover an Amazon purchase, which gives you a value of 1 cent per point.

Chase also allows you to redeem points for Amazon gift cards, with a value of 1 cent per point. However, purchasing a gift card on Amazon gives you a lower redemption rate than purchasing via Chase.

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Shopping on Amazon can be a good use of your rewards points, but you need to compare the value to other options. It's essential to run a few scenarios and calculate the numbers to ensure you're getting the best value.

For every 100 points you redeem on Amazon, you get a dollar toward your purchase, which works out to a value of one cent per point. This is not always the case, though, as some credit card redemption programs offer a lower redemption value.

American Express Membership Rewards points can be linked to your Amazon account, but the redemption rate is relatively low at 0.7 cents per point. This is lower than the estimated 2 cents per point for Membership Rewards points in other redemption options.

If you have a cash-back Amex card, you'll get a value of 1 cent per point for Amazon purchases, which is the same value you'd get if you redeemed your points for a statement credit to cover an Amazon gift card.

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You can pay for Amazon purchases using your Discover card's Cashback Bonus rewards or miles. If you use miles, 100 miles equal $1 at Amazon.com checkout.

To use credit card points from Discover on Amazon, you need to link your eligible Discover card to your Amazon account and enroll in Shop with Points. This allows you to automatically apply your cashback bonus towards your purchase.

Eligible Discover cards include the Discover it Chrome, Discover it Miles, Discover it Cash Back, Discover it Student Cash Back, Discover it Student Chrome, and Discover it Secured Credit Card.

For another approach, see: How to Use Amazon Pay

Discover offers a convenient way to pay for Amazon purchases using your credit card points. You can link your eligible Discover card to your Amazon account and enroll in Shop with Points to make it happen.

To use credit card points from Discover on Amazon, you need to have an eligible card such as the Discover it Chrome, Discover it Miles, Discover it Cash Back, Discover it Student Cash Back, Discover it Student Chrome, or the Discover it Secured Credit Card.

Eligible Discover cards include the Discover it Chrome, Discover it Miles, Discover it Cash Back, Discover it Student Cash Back, Discover it Student Chrome, and the Discover it Secured Credit Card.

You can link your eligible Discover card to your Amazon account and enroll in Shop with Points to start redeeming your points. To use your cashback bonus, you can leave it as one of your payment options or make your Discover card your default when paying.

One hundred miles equals $1 at Amazon.com checkout, making it a straightforward way to redeem your rewards.

The Amazon Visa offers a range of rewards, including 3% cash back at Amazon.com and Whole Foods Market.

You can also earn 2% cash back at restaurants and gas stations, as well as on local transit and commuting.

If you have an eligible Prime membership, you can apply for the Prime Visa, which gives you unlimited 5% back at Amazon.com and Whole Foods Market.

Each point earned is worth one cent, and can be used to pay at checkout on Amazon.

The Prime Visa also offers unlimited 2% cash back at gas stations, restaurants, and on local transit and commuting.

On a similar theme: Amazon Store Card vs Amazon Visa

The displayed earning rate on Amazon can be a bit tricky to understand. Points are rounded up if the percentage is 0.5% or more, and rounded down when it's less than 0.499%. For example, a percentage of more than 0.5% and less than 1.5% is displayed as 1% on the site.

This means the earning rate used for calculation and on the site may not always be consistent. The amount of points that can be earned by purchasing a specific product is displayed as a number of points (XXpt).

To give you a better idea, here's a breakdown of how the rounding works:

This can affect the actual points earned by purchasing a product, especially if the points amount shown on the product detail page or search results exceeds the product price excluding tax.

You can use your credit card points to shop on Amazon, but it's essential to understand the value you'll get from your points. With Chase Ultimate Rewards, it takes 125 points to be equal to $1 when shopping on Amazon, which is less than the standard 1 cent per point.

For Hilton Honors, it's even worse, with 500 points needed to equal $1 using Amazon Shop with Points. This works out to a value of just 0.2 cents per point.

If you have a Chase Sapphire Reserve card, you're better off saving your points and using them to book travel through the Chase portal, where points are worth 1.5 cents each.

You can use your credit card points to buy most things on Amazon, but there are some exceptions. These include Amazon Kindle downloads, digital music, Amazon video, Amazon Appstore, Subscribe and Save items, Prime memberships, AmazonFresh items, gift cards, and textbook rentals.

If you're planning to make a purchase, it's a good idea to check if you can use your points. You can do this by looking for the "Shop with Points" option at checkout. This option is usually available for most regular, non-digital, or non-special purchases.

However, if you're buying something using One-Click, you won't have the option to use your points. This is because One-Click purchases are processed differently than regular purchases.

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Many credit card programs allow you to use your points to shop on Amazon, but did you know you can also use gift cards to make purchases? You can buy gift cards on Amazon with your credit card points.

If you have a credit card program that allows you to shop on Amazon with your points, you can redeem them for gift cards to use on the site. This can be a great way to use your points for purchases you might not have otherwise made.

You can use gift cards to buy almost anything on Amazon, from everyday essentials to electronics and more. Just make sure to check the balance on your gift card before making a purchase to avoid any issues.

A different take: Can You Pay with Gift Cards on Amazon

Amazon Pay with Points lets you redeem points for rewards, which can be used to pay for purchases on Amazon.

You can redeem points for rewards in increments of 1,000 points, which is equivalent to $10.

Rewards are available for a wide range of products, including electronics, home goods, and more.

Rewards can be used to pay for purchases on Amazon, including items that are eligible for free shipping.

Rewards are applied to your purchase at checkout, and you can see the rewards amount deducted from the total cost.

Rewards can be combined with other forms of payment, such as credit cards or gift cards, to pay for purchases.