Best Credit Card for Amazon
Compare the top credit cards for Amazon.com purchases and find which one earns the most rewards.
Amazon is the largest single merchant in the U.S., making the right Amazon card extremely valuable. The Amazon Prime Visa earns 5% on Amazon.com and Whole Foods — one of the best flat-rate bonuses available at a single retailer.
Top Pick
Chase Freedom Flex
5x on Amazon (Q2 2026) - Includes Amazon.com, digital downloads, Amazon Gift Cards, Amazon Fresh, Amazon Prime subscriptions, third-party marketplace sellers, and Whole Foods Market.
Note: This card has a combined $1,500 spending cap across ALL rotating categories this period. Earnings above this amount will be at the base rate. Remember to activate between 3/1/2026 - 6/14/2026.
Before you click out
- This is the best fit only if you actually spend heavily on amazon.
- You are optimizing for rewards without taking on an annual fee.
- If this is your pick, apply now and keep this page open in another tab for reference.
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American Express Membership RewardsAmerican Express Gold Card4xpts/dollar8.0%return4x on U.S. Supermarkets
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Credit One Bank Cash BackCredit One Bank Best Friends Credit Card5xpts/dollar5.0%return5x on Pet Stores
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Rewards Calculator
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Quick summary
A short version of the recommendation with the main numbers and fallback option.
For Amazon.com purchases, Chase Freedom Flex is currently our top overall pick at 5x, which works out to about 10.0% back using CardCurator's current point valuations. 5x on Amazon (Q2 2026) - Includes Amazon.com, digital downloads, Amazon Gift Cards, Amazon Fresh, Amazon Prime subscriptions, third-party marketplace sellers, and Whole Foods Market.. At $500/month of spend, the top card is worth about $600/year before signup bonuses or statement credits. Summary generated September 19, 2026. Source: https://cardcurator.ai/best-credit-card-for/amazon
- Chase Freedom Flex: 5x and 10.0% effective return.
- At $500/month, that's about $600/year in rewards value before bonuses.
- Chase Freedom Flex is the current no-fee fallback at 5x (10.0% effective return).
- Methodology uses live earn rates, annual fees, and current point valuations.
Common Questions
What is the best credit card for Amazon?
The Chase Freedom Flex is currently the top pick for Amazon.com purchases, earning 5x points per dollar — an effective 10.0% return.
How many points do you earn on Amazon purchases?
The top-rated card for Amazon.com purchases, the Chase Freedom Flex, earns 5x per dollar — an effective return of 10.0%.
Is there a no-annual-fee card that earns rewards on Amazon?
Yes — the Chase Freedom Flex earns 5x on Amazon.com purchases with no annual fee (10.0% effective return).
Is a premium card worth the annual fee for Amazon spending?
The American Express Gold Card ($325/yr) earns 4x on Amazon.com purchases. If you spend $339/month or more on amazon, the rewards offset the annual fee — before counting travel credits and other perks.
Which card earns the most if I spend $500 per month on Amazon?
Chase Freedom Flex: $600/yr, American Express Gold Card: $480/yr, Bilt Obsidian Card: $360/yr. The Chase Freedom Flex earns the most at $500/month.
Do rotating category cards earn on Amazon?
Some cards — like Chase Freedom Flex and Discover it — occasionally feature amazon as a 5% bonus category for one quarter per year. Year-round, a dedicated amazon card typically outperforms rotating category cards since you can't always count on the bonus.