Almost anyone who shops on Amazon can benefit from having an Amazon credit card. You just have to choose the right card for your situation and then use it responsibly – by paying the bill on time every month and avoiding interest charges whenever possible. You don’t even need to be a Prime member, though a membership will get you extra rewards.
To select the best Amazon credit cards, WalletHub’s editors regularly compare all the credit cards co-branded with Amazon.com from our database of 1,500+ credit card offers based on factors such as their approval requirements, rewards-earning rates, APRs and other WalletHub Rating components.
In addition, we consider cards that don’t have Amazon branding but do have a special connection with the company. For example, cardholders may earn bonus rewards on Amazon purchases or have the opportunity to redeem their rewards to pay for Amazon purchases.
Final selections are made based on the estimated two-year cost of each card.
How Two-Year Cost Is Calculated
Two-year cost is used to approximate the monetary value of cards for better comparison and is calculated by combining annual and monthly membership fees over two years, adding any one-time fees or other fees (like balance transfer fees), adding any interest costs, and subtracting rewards. Negative amounts indicate savings. When fees or other terms are presented as a range, we use the midpoint for scoring purposes.
Rewards bonuses and credits have been taken into account for two-year cost calculations. However, bonuses applicable to only a very small portion of cardholders are not considered. For example, credits and bonuses awarded for spending or redeeming rewards through a company portal with non-co-branded cards have not been taken into account. Similarly, bonuses and credits related to spending with specific merchants using a non-co-branded card have not been taken into account (for example, if Card A offers credits with DoorDash, this feature would not be factored into calculations because it is hard to assess how many cardholders would use the benefit or exactly how much value they'd get from it).
Cardholder Spending Profiles
Given that people have differing goals and are likely to use their credit cards differently, we identified spending profiles that are representative of varied financial priorities and behaviors. For each cardholder type, we have assumed a specific amount of monthly spending by purchase type (e.g., groceries, gas, etc.), as well as an average balance, balance transfer amount, amount spent on large purchases and average monthly payment. Spending assumptions are based on Bureau of Labor Statistics data for consumers and PEX data for businesses.
Best Amazon Credit Card Comparison
| Credit Card | Best For | Annual Fee | Rewards Rate |
| Amazon Credit Card | Overall | $0 | 1 - 5 points per $1 |
| Amazon Store Card | Fair Credit | $0 | 0 - 5% back in rewards |
| Amazon Secured Credit Card | Bad Credit | $0 | 0 - 2% back in rewards |
| Amazon Business American Express Card | Business | $0 | 1 - 3 points per $1 |
| Chase Sapphire Preferred® Card | Shop with Points | $95 | 1 - 5 points per $1 |
| U.S. Bank Shopper Cash Rewards™ Visa Signature® Card | Cash Rewards | $0 intro 1st yr, $95 after | 1.5 - 6% cash back |
Methodology for Selecting the Best Amazon Credit Cards
To select the best Amazon credit cards, WalletHub’s editors regularly compare all the credit cards co-branded with Amazon.com from our database of 1,500+ credit card offers based on factors such as their approval requirements, rewards-earning rates, APRs and other WalletHub Rating components.
In addition, we consider cards that don’t have Amazon branding but do have a special connection with the company. For example, cardholders may earn bonus rewards on Amazon purchases or have the opportunity to redeem their rewards to pay for Amazon purchases.
Final selections are made based on the estimated two-year cost of each card.
How Two-Year Cost Is Calculated
Two-year cost is used to approximate the monetary value of cards for better comparison and is calculated by combining annual and monthly membership fees over two years, adding any one-time fees or other fees (like balance transfer fees), adding any interest costs, and subtracting rewards. Negative amounts indicate savings. When fees or other terms are presented as a range, we use the midpoint for scoring purposes.
Rewards bonuses and credits have been taken into account for two-year cost calculations. However, bonuses applicable to only a very small portion of cardholders are not considered. For example, credits and bonuses awarded for spending or redeeming rewards through a company portal with non-co-branded cards have not been taken into account. Similarly, bonuses and credits related to spending with specific merchants using a non-co-branded card have not been taken into account (for example, if Card A offers credits with DoorDash, this feature would not be factored into calculations because it is hard to assess how many cardholders would use the benefit or exactly how much value they'd get from it).
Cardholder Spending Profiles
Given that people have differing goals and are likely to use their credit cards differently, we identified spending profiles that are representative of varied financial priorities and behaviors. For each cardholder type, we have assumed a specific amount of monthly spending by purchase type (e.g., groceries, gas, etc.), as well as an average balance, balance transfer amount, amount spent on large purchases and average monthly payment. Spending assumptions are based on Bureau of Labor Statistics data for consumers and PEX data for businesses.
