The best credit cards for shopping on Amazon of July 2026

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If you're looking to maximize your savings and rewards when shopping on Amazon, this list of credit cards should be your first stop

CNBC Select crunched the numbers to determine which cards provide the biggest benefit for Amazon shoppers, whether you use Prime or not.

Who's this for? The Prime Visa card rewards users with an unlimited 5% cash back on all purchases at Amazon.com, Amazon Fresh, Whole Foods and via Chase Travel. In addition, you can earn an unlimited 2% back at gas stations, restaurants and on local transit and commuting (including rideshare).

If you've been waiting for a reason to sign up for a $139 annual Amazon Prime membership, this card might be the deciding factor: New cardholders can currently receive a $150 Amazon Gift Card instantly upon approval, exclusively for Prime members.

Who's this for? The Prime Store Card, available to those with a Prime membership, earns 5% back on Amazon.com purchases, but you can't use it outside of Amazon or Whole Foods Market. Notably, cardholders have the option to forgo rewards in exchange for promotional financing offers. Get a 0% APR when you make equal monthly payments:

• Six equal monthly payments on purchases between $50 and $599.99
• 12 equal monthly payments on purchases of $600 or more
• 24 equal monthly payments on select purchases

To avoid interest charges, you must make equal payments on time and in full each month; if you don't pay off the full amount by the end of your promotional period, you will have to pay deferred interest.

Who's this for? If you don't have an Amazon Prime membership but still frequently use the website to shop, another option is the Amazon Visa. This credit card offers 3% back at Amazon, Amazon Fresh, Whole Foods and Chase Travel, along with 2% back at restaurants, gas stations and local transit and commuting. You can earn plenty of rewards even if you're not an everyday Amazon shopper.

New cardholders of the Amazon Visa get a $150 Amazon Gift Card once their application is approved, and there are no foreign transaction fees.

Who's this for? The Blue Cash Everyday® Card from American Express earns 3% cash back on U.S. online retail purchases on up to $6,000 in spending per year, then 1%. That means you can earn 3% back on any spending you do on Amazon.com, without needing to be a Prime member.

The card also earns 3% cash back at U.S. supermarkets and at U.S. gas stations (also up to a $6,000 cap per year, per category, then 1%). You can redeem your Reward Dollars for statement credits that directly reduce your account balance and help offset the cost of everyday purchases, or use them at checkout on Amazon.com.

Who's this for? If you frequently purchase groceries through Amazon Fresh, Amazon Now or simply via Same-Day delivery, the Chase Sapphire Preferred® Card can earn you rewards on those purchases.

The card earns an unlimited 3X points on online grocery purchases (plus rewards on various other everyday categories) and is currently offering an incredibly high welcome bonus: 100,000 bonus points after you spend $5,000 on purchases in the first three months from account opening.

Cardholders can also enjoy purchase protection and extended warranty protection. Purchase protection covers your purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account. Meanwhile, the extended warranty protection adds an additional year onto eligible warranties of three years or less.

Who's this for? The Prime Business Card earns 5% back at Amazon.com, Amazon Business, AWS and Whole Foods Market on up to $150,000 in net purchases per calendar year, then 1%, as well as 5% back on prepaid travel booked through the U.S. Bank Travel Center.

The card also automatically earns 2% back on your top three spending categories outside of Amazon. There are 15 total spending categories, with options ranging from dining to postal and shipping services.

Who's this for? The Citi Double Cash® Card is for shoppers who want to maximize their money by earning 2% cash back on all spending everywhere (not just Amazon and Whole Foods). Here's how it works: Earn an 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.

There's no annual fee and no limit to how much cash back you can earn. You can also take advantage of an intro APR on balance transfers.

Who's this for? Many of the best cash-back cards require good or excellent credit, but there are some options for people with fair or average credit that offer solid cash-back rates.

One example is the Capital One QuicksilverOne Cash Rewards Credit Card. You'll earn a competitive 1.5% cash back on all purchases, with no limit on the amount of cash back you can earn. You can redeem cash back in any amount, without the typical $25 minimum some other cards set. Plus, there are no foreign transaction fees if you use this card abroad.

You have two main ways to use credit card rewards when shopping on Amazon. The simplest method is to link your rewards account to your Amazon account and redeem points for purchases. This option is available with Discover, American Express, Chase, Citi, U.S. Bank, Bank of America, Bilt and more.

While linking your rewards to Amazon is a convenient way to use your points, you should proceed with caution. Using points to pay for Amazon items can give you less value than redeeming your points for cash back and using that cash back to pay for your Amazon charges.

For example, you can redeem Chase Ultimate Rewards points for 1 cent per point for cash back. However, when you redeem Chase points directly with Amazon, the value per point drops to roughly 0.8 cents. This isn't the case with all rewards, but it's something to be aware of.

As you consider which card to use for Prime Day this year, pay attention to how rewarding it is for Amazon purchases. Ideally, you'll want to choose a card that offers bonus rewards at Amazon. However, outside of co-branded Amazon cards, there aren't many cards that offer additional points, miles or cash back at Amazon.

Your next best option is to find a card that earns rewards on online purchases or offers a high flat-rate return on every purchase, such as the Citi Double Cash.

Keep in mind that not all rewards are created equal. The value of a point or mile varies depending on the type of reward. Flexible travel rewards tend to have a higher value because you have more redemption options. Generally, earning American Express Membership Rewards points or Chase Ultimate Rewards points can be more lucrative than cash back. On the other hand, cash back is much simpler to redeem, and with the top cash-back cards, you may be able to earn a better return.

If you're looking to open a new card, Prime Day can be the perfect time to scoop up a deal and take a big chunk out of the welcome bonus spending requirement. The best intro bonuses can easily be worth $500 to $1,000, but they often require spending $4,000 or more within the first three months you have the card. If you can comfortably meet the spending requirement without going into credit card debt, that's an amazing return on your spending.

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best credit cards for Amazon.

To determine which cards offer the best value for Amazon purchases, CNBC Select analyzed over 250 major credit cards issued through FDIC-insured banks and NCUA-insured credit unions that are widely available in the U.S.  

We compared each card on a range of features, including rewards (e.g., cash back, points and miles), annual fees, welcome bonuses, introductory and standard APR and balance transfer fees and foreign transaction fees. We also considered additional perks (e.g., ongoing travel or merchant statement credits), cardholder protections (e.g., purchase protection, $0 liability protection and travel insurance), the application process when available (e.g., is there a credit pull or required credit score) and how easy it is to redeem points (e.g., are rewards are tied to a specific brand; if transferable, to how many/which partners, can you redeem for straight cash back).
 
We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.  

When choosing the best credit cards for Amazon, we focused on earning rates for Amazon and other relevant benefits, such as purchase protections.

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For rates and fees for the Blue Cash Everyday Card, click here.

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