2022 Best Amazon Credit Cards for Shoppers

Amazon is one of the most well-known stores that supply our needs, from foods to tools, appliances, and other miscellaneous products. With this, having an Amazon credit card is indeed heaven-sent when you’re trying to get discounts and rewards every time you make purchases. That is especially true for Prime members since most Amazon cards and benefits are fashioned for them. However, if you are still not a Prime member (whether you are just a regular Amazon shopper or a business owner), there are still Amazon credit cards for your needs.

Here are the top 5 best Amazon credit cards our finance experts reviewed for you this 2022:

1 Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card Amazon credit card

Amazon Prime Rewards Visa Signature Card

Intro Bonus: $150 Amazon Gift Card

Regular APR: 14.24% to 22.24% (Variable)

Credit Score: 700 to 749 (Good to Excellent)

Annual Fee: $0 for Prime members

Highlights:

  • It has no intro APR.
  • There is a higher balance transfer fee of $5 or 5% of the amount of each transfer, whichever is greater.
  • The gift card arrives upon the approval of the card.
  • The 5% reward also applies to Whole Foods Market purchases.
  • You can use Amazon Rewards for all or just parts of your purchases.
  • There is an option for interest-free equal monthly payment for purchases worth $50 or more.

Best Free Amazon Credit Card for Amazon Prime Shopping

This Amazon credit card is the most practical option if you’re already a Prime member. Without paying for another membership, Prime members will get the card for free together with an intro bonus of a $150 Amazon gift card. The bonus is not as big or as extravagant as the other welcome bonus of the other credit cards such as Chase or Discover cards, but it comes right away as soon as the account gets approved: no spending requirement is needed.

Its reward structure will benefit frequent Amazon Prime shoppers due to the 5% back when shopping at Amazon.com (non-US Amazon sites not included). Then, there is another 5% back on purchases at Whole Foods Market, which makes things more appealing. It is also possible to earn up to 15% cashback on specific promotional items, while there is 2% back at restaurants, gas stations, and drugstores and 1% back on all other purchases.

And in case you need to spend more than $50, Amazon will offer you an option for a 0% promo APR in exchange for the 5% back to give you a chance to pay off a large purchase for a longer time. This is good since this card does not offer traditional 0% introductory APR periods. The length of the interest-free equal monthly payment period will depend on your purchase: six equal monthly payments for purchases worth $50 or more, 12 equal monthly payments for $250 or more, and 18 equal monthly payments for $500 or more. After the said periods, a variable APR of 14.24% to 22.24% will then be applied. 

On the other hand, redeeming the rewards is convenient for card owners. There is no minimum rewards balance required, and you can use them to pay for all or part of your purchase. They can also be used as a statement credit or when purchasing gift cards or travel.

This Amazon credit card will also complement the needs of some travelers due to some additional perks like Visa Signature benefits, a $0 foreign transaction fee, lost and delayed baggage reimbursement, travel and emergency assistance, and more. It also comes with other perks that will benefit anyone, such as purchase protection and extended warranties.

2 Amazon Business Prime American Express Card

Amazon Business Prime American Express Card amazon credit card

Amazon Business Prime American Express Card

Intro Bonus: $125 Amazon Gift Card

Regular APR: 14.24% to 22.24% (Variable)

Credit Score: 700 to 749 (Good to Excellent)

Annual Fee: $0 for Prime Members

Highlights:

  • It doesn’t charge foreign transaction fees.
  • The account comes with various expense management tools.
  • Its annual fee costs $0 for businesses that are already Prime members.
  • Instead of 5% back, you have the option for an interest-free 90-day payment period.
  • The $125 Amazon.com gift card will be released after the account approval.

Best Amazon Credit Card for Businesses 

If you have a business that commonly makes most of its purchases on Amazon, you will find the Amazon Business Prime American Express Card a handy tool in managing your business expenses. It offers free employee cards with purchase controls and other expense management tools, including Account Manager, Account Alerts, AMEX Business App, Vendor Pay, Year-End Summary, and more. With this, managing your business’s spending on Amazon is much easier.

It charges a $0 annual fee for businesses with Prime accounts, making this Amazon credit card just an additional business tool for you. It also comes with perks that will benefit your business, such as the $125 Amazon.com gift card welcome bonus that will be released as soon as the card is approved. Each card can earn 5% back not just at Amazon.com but also in other stores like Amazon Business, AWS, and Whole Foods Market. The cards can also earn 2% at U.S. restaurants, U.S. gas stations, and wireless telephone services purchased directly from U.S. service providers and 1% on other purchases.

And while it is not the best for long-term financing due to the high regular APR and lack of 0% intro APR offer, it can still be a helpful financing tool in other ways. You can swap the 5% back for an interest-free 90-day payment period, and this should allow your business to have extra time to pay for big purchases. However, if you plan to use the card purely for 5% back, keep in mind that it only applied for the first $120,000 worth of purchases each calendar year. After that, it will drop to 1%.

3 Amazon Rewards Visa Signature Card

Amazon Rewards Visa Signature Amazon credit card

Amazon Rewards Visa Signature Card

Intro Bonus: $75 Amazon Gift Card

Regular APR: 14.24% to 22.24% (Variable)

Credit Score: 700 to 749 (Good to Excellent)

Annual Fee: $0

Highlights:

  • The 3% back doesn’t cover the non-US Amazon sites.
  • Users can earn unlimited 3% back at Amazon.com and Whole Foods Market.
  • It comes with a complimentary Visa Signature Concierge Service 24 hours a day.
  • It’s a perfect alternative for Amazon shoppers that are not Prime members.
  • The Amazon gift card will be released after the account approval.

Best Amazon Credit Card for Non-Prime Members

Having a Prime account is genuinely beneficial for shoppers due to the various perks they can get. That includes access to Amazon Prime Rewards Visa Signature card without paying an annual fee. Thankfully, Amazon offers another card version of the said card for non-Prime members: the Amazon Rewards Visa Signature.

The card is almost the same as the Prime version, with a few tradeoffs made. It starts with the lower value of the Amazon gift card intro bonus at $75. It is just half the bonus the other card version provides, but given the fact that it requires no annual fee, it is still a good deal.

The 5% back on the Amazon Prime Rewards Visa Signature card is reduced to 3% in this version when making purchases at Amazon.com and Whole Foods Market, while the 2% back rate stays the same when the card is used at restaurants, gas stations, and drugstores. Lastly, users have an unlimited 1% back on all other purchases outside the categories mentioned above. The rewards can be used at Amazon.com or when redeeming cash back, gift cards, and travel. 

On the other hand, the card also still offers other Prime card perks, such as the Visa Signature benefits and the $0 foreign transaction fee. There are also numerous travel-related benefits available in this card like travel accident insurance, lost luggage reimbursement, baggage delay insurance, and travel and emergency assistance.

4 Amazon Business American Express Card

Amazon Business American Express amazon credit card

Amazon Business American Express Card

Intro Bonus: $100 Amazon Gift Card

Regular APR: 14.24% to 22.24% (Variable)

Credit Score: 700 to 749 (Good to Excellent)

Annual Fee: $0

Highlights:

  • It is applicable for businesses with no Prime account.
  • It comes with a $100 Amazon gift card intro bonus.
  • Users can earn up to 3% back.
  • Still provides almost all the benefits present in the Prime version of this card.

Best Amazon Credit Card for Businesses With No Prime Membership

Setting up a Prime account for your business can mean additional expenses. It starts at $69 per year for a Business Prime membership of just one user, and it can go up to $10,999 a year for an enterprise membership. If your business can’t afford such prices just to get an Amazon Prime credit card, there is an annual-free alternative for you through Amazon Business American Express card.

Without a Prime account, this card charges a $0 annual fee to businesses and still offers the same benefits available in its Prime version. Some include purchase protection, return protection, concierge service, and various travel benefits ($0 foreign transaction fees, car rental loss and damage insurance, baggage insurance plan, Global Assist hotline, and Premium Global Assist hotline). The APR also stays the same on purchases at a variable rate of 14.24% to 22.24% (based on your creditworthiness). There are also expense management tools provided in this card for easy management of the employee cards such as Account Manager, Account Alerts, AMEX Business App, Vendor Pay, Year-End Summary, and more.

On the other side of the coin, without paying an annual fee or membership for Prime, the card comes with a $100 Amazon.com gift card. Like in other Amazon credit cards, the card owners will receive the intro bonus as soon as the account is approved.

Moreover, business owners can still earn considerable rewards every time the card is used. It allows a 3% back or 60-day term on U.S. purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market. However, this has a cap of $120,000 each calendar year, then 1% back will be applied afterward. On a positive note, the 2% (U.S. restaurants, at U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers) and 1% base back (on other purchases) stay the same and can be enjoyed by users endlessly throughout the year.

5 Amazon.com Store Card

Amazon.com Store amazon credit card

Amazon.com Store Card

Intro Bonus: $60 Amazon Gift Card

Regular APR: 25.99% (Variable)

Credit Score: 640+ (Fair)

Annual Fee: $0

Highlights:

  • The card comes in two versions: the standard Amazon Store Card and the Amazon Prime Store Card.
  • The Amazon Prime Store Card version is the only one that can receive 5% back on Amazon purchases.
  • The cards come with a $60 gift card intro bonus.
  • There are financing options available: equal monthly payments and special financing.

Simplest Amazon Credit Card for Shoppers

Before deciding to have this closed-loop Amazon credit card, it is essential to note that it comes in two forms: the standard Amazon.com Store Card and the Amazon.com Prime Store Card version. Both don’t require an annual fee, but non-Prime members will do not have cashback benefits on their cards.

Given the nature of the cards as retail store cards, they can only work for Amazon site and Amazon-owned businesses such as Audible, Amazon Bookstore, Amazon Web Services, and comixology.com. However, unlike other Amazon credit cards, Amazon.com Store cards do not work at Whole Foods. That being said, if you need a card both for Amazon and grocery shopping, consider other cards like the others listed on this roundup.

The cards come with a $60 gift card as an intro bonus, but as mentioned before, only the Prime version can benefit from the 5% back on all purchases made with the card. The rewards can be redeemed as a statement credit or be used to pay for some eligible purchases. You can also opt for financing options instead of the 5% back on the purchases. Depending on the total amount of your purchases, you can enjoy interest-free financing for 6 ($150 or more), 12 ($600 or more), or 24 months ($800 or more). However, during the special financing period, it is essential to remember that there is a need to pay off the entire balance before the intro period ends. Failing to do so will cause you to be charged with interest on the full starting balance for the whole length of the term. This deferred interest can be dangerous for some, especially in this card that has a high 25.99% variable APR.

If you need another payment alternative, this card also offers equal monthly payment periods depending on the purchase price. Here, the period can vary from 6 ($150 or more), 12 ($600 or more), and 24 months (select purchases of $600 or more).