For those who’re among the many greater than 200 million Amazon Prime members within the U.S., likelihood is you spend a big quantity with the net retail big.
We have dug into the finest playing cards for Amazon purchases, together with playing cards that earn as much as 5% money again in your purchases — and that is earlier than factoring in any American Categorical Provides or different particular Amazon promotions.
The key to incomes probably the most factors on Amazon purchases is present playing cards. Whereas only a few bank cards provide Amazon as a bonus class, some provide excessive class bonuses at locations that promote Amazon present playing cards, comparable to grocery shops, gasoline stations and workplace provide shops.
Incomes as much as 5 factors per greenback on Amazon purchases
Among the finest playing cards for buying present playing cards is the Ink Enterprise Money® Credit score Card. On the floor, the cardboard earns 5% money again at workplace provide shops on the primary $25,000 in spending every account yr.
Nonetheless, the return jumps to roughly 10% when you even have a Chase Sapphire Most popular® Card, Chase Sapphire Reserve® or Ink Enterprise Most popular® Credit score Card. Then, you may convert your money again to transferable Final Rewards factors, that are price 2.05 cents apiece in accordance with TPG’s February 2025 valuations.
With this methodology, you might purchase an Amazon present card at Staples or OfficeMax and earn 5 factors per greenback spent for an efficient 10% again. Then, you should use that present card like money at Amazon.
If it is American Categorical Membership Rewards factors you are after, otherwise you aren’t eligible for a enterprise card, you may wish to take into account the American Categorical® Gold Card.
The Amex Gold presents 4 Membership Rewards factors per greenback spent at U.S. supermarkets, on as much as $25,000 per calendar yr (then 1 level per greenback after that). 4 factors per greenback spent means an efficient 8% return since TPG values Amex factors at 2 cents apiece as of February 2025.
There’s additionally the Amex EveryDay® Most popular Card from American Categorical, which could possibly be a very good choice when you’re already a cardmember (since this card is not accessible to new candidates).
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It earns 3 factors per greenback spent on as much as $6,000 per calendar yr at U.S. supermarkets, then 1 level per greenback spent thereafter. However what makes this card stand out is that it presents a 50% factors bonus when you use it greater than 30 instances in a single month. Which means you might be incomes as many as 4.5 factors per greenback spent at grocery shops, which equates to a 9% return in accordance with our valuations.
Lastly, there’s additionally the no-annual-fee Chase Freedom Flex®, which presents 5% again (or 5 factors per greenback spent when paired with an Final Rewards-earning card) on rotating classes on as much as $1,500 in purchases every quarter you activate. Previously, these classes have included grocery shops and Amazon.
When grocery shops aren’t an lively 5% quarterly class, the Freedom Flex nonetheless earns 3% again (or 3 factors per greenback with an eligible Final Rewards-earning card) on groceries.
The knowledge for the Amex EveryDay Most popular has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Associated: One of the best bank cards for buying present playing cards
One thing to bear in mind
There are numerous choices for maximizing your Amazon present card purchases. Nonetheless, there’s one essential caveat to bear in mind. Though all the playing cards talked about provide buy safety, the protection doesn’t apply when buying an merchandise with a present card as an alternative of a bank card. So, it’s possible you’ll wish to keep away from utilizing present playing cards on sure purchases.
You can also’t return present playing cards, however this should not be a lot of a difficulty when you order from Amazon regularly anyway. Plus, you should use your Amazon present playing cards to purchase present playing cards at many different third-party retailers like Starbucks, Southwest Airways and Airbnb.
It is a good suggestion to keep away from shopping for numerous present playing cards once you’re making an attempt to hit a welcome bonus. This habits generally is a crimson flag to credit score issuers and will end in your account being reviewed and even the lack of your welcome bonus. The issuer can also restrict your means to earn welcome bonuses on future playing cards you apply for.
Each issuer has completely different phrases for his or her welcome bonuses, so make certain to test the phrases of your card’s welcome provide.
Associated: One of the best bank cards for on-line procuring
Backside line
Just a little effort and time can go a good distance. An efficient 10% return on Amazon purchases is just about pretty much as good because it will get, although it is essential to not overlook the trade-off between incomes factors and getting buy safety.
Associated: Is the Prime Visa bank card price the fee?