Which Amazon Credit Card Is Best For You? Bankrate Caret RightMain Menu Mortgage Mortgages Financing a home purchase Refinancing your existing loan Finding the right lender Additional Resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Bank Banking Compare Accounts Use calculators Get advice Bank reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Credit Card Credit cards Compare by category Compare by credit needed Compare by issuer Get advice Looking for the perfect credit card? Narrow your search with CardMatch Caret RightMain Menu Loan Loans Personal Loans Student Loans Auto Loans Loan calculators Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Invest Investing Best of Brokerages and robo-advisors Learn the basics Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Home Equity Home equity Get the best rates Lender reviews Use calculators Knowledge base Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Loan Home Improvement Real estate Selling a home Buying a home Finding the right agent Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Insurance Insurance Car insurance Homeowners insurance Other insurance Company reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Retirement Retirement Retirement plans & accounts Learn the basics Retirement calculators Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Advertiser Disclosure
Advertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. SHARE: On This Page
Riska/Getty Images November 07, 2022 Checkmark Bankrate logo How is this page expert verified? At Bankrate, we take the accuracy of our content seriously. "Expert verified" means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. Their reviews hold us accountable for publishing high-quality and trustworthy content. Andy Shuman is a contributing writer to Bankrate. He is a New York-based freelance writer with strong expertise in consumer credit and travel loyalty programs. Liz Bingler is an Associate Editor for CreditCards.com and Bankrate, where she focuses on product news and reviews. As an editor, her goal is to produce content that will help people to make informed financial decisions. Claire Dickey is a product editor for Bankrate, and . Before joining Bankrate, Claire worked as a copywriter for brands within the telecommunications industry as well as a hybrid marketing and content writer. Bankrate logo The Bankrate promise
At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation for how we make money. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Bankrate logo The Bankrate promise
At Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in your journey — and make it one you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to: Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions. Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. Bankrate logo Editorial integrity
Bankrate follows a strict , so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. Editorial Independence
Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Bankrate logo How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Amazon’s approach to its credit card lineup is similar to its offerings as a superstore — there’s something for everyone. Amazon has credit cards for both Prime members and occasional Amazon shoppers, along with cards for consumers who have and those with a . So, which Amazon card is right for you? Here’s what you need to know. Amazon Prime Rewards Visa Signature Card* Best for Prime members with good-to-excellent credit
The has no annual fee, but a Prime membership () is required. The card’s earning rates are pretty good: You’ll get 5 percent cash back at Amazon.com and Whole Foods Market; 2 percent cash back at restaurants, gas stations and drugstores; and 1 percent cash back on all other purchases. As a Prime member, you’ll also be able to get 10 percent back or more on a rotating selection of Amazon products. There’s also a welcome bonus for new cardholders — an up to $150 Amazon gift card. This is far from the most earth-shattering welcome bonus we’ve seen, but it helps cancel out the annual fee for the first year. After the first year, you can recoup the Prime membership fee by spending $2,780 per year at Amazon and Whole Foods. That’s not a daunting task if you frequently shop at those stores. Additionally, the Amazon Prime Rewards card comes with benefits like , baggage delay insurance, lost luggage reimbursement, an auto rental collision damage waiver, roadside dispatch, and purchase protection. Not a Prime Member Pick the Amazon Rewards Visa Signature Card*
If you’re not a Prime member, this card comes in a non-Prime version: the Amazon Rewards Visa Signature Card. With this card, you can still earn Amazon rewards, but you’ll get scaled-back benefits. For example, this card comes with a meager $50 gift card as a welcome bonus. Still, keep in mind that you’re already saving $139 on the Prime membership. The best part, however, is the card’s above-average earning rates, which include 3 percent cash back at Amazon and Whole Foods Market; 2 percent cash back at restaurants, gas stations, and drugstores; and 1 percent cash back on everything else. So, even if you don’t want to splurge on a Prime membership — but you regularly buy stuff on Amazon — the Amazon Rewards Visa can still be a . Amazon Prime Store Card* Best for Prime members with fair-to-good credit
In general, are controversial due to their typically-low credit limits and high interest rates. But what if you’re an avid Amazon Prime shopper with less-than-stellar credit? That’s where the can help. Keep in mind that this is a closed-loop card, meaning you can only use it at Amazon and Amazon companies (however, a apply). Plus, although this card has no annual fee, you need to have an Amazon Prime membership to get this card. The 5 percent cash back at Amazon is nothing to sneeze at, but there is not much more that this card provides. You can opt for one of the card’s , but that means you’ll have to forgo the cash back — you can’t have both. Not a Prime Member Pick the Amazon Store Card*
The Amazon Store Card doesn’t have cash back or other rewards — the 5 percent cash back at Amazon is only available to Prime members — and its only tangible benefits are no annual fee and a $10 gift card instantly upon approval. It’s worth noting that there are , some of which earn rewards. But if you’re declined for the Amazon Store Card, you’ll be automatically considered for the Amazon Secured Card. Amazon Prime Secured Card* Best for Prime members with poor or no credit
With the , you can work on while getting something in return — Prime members can earn 2 percent cash back on Amazon purchases. While there are other that earn cash back, 2 percent back is pretty generous. Additionally, this card doesn’t come with a welcome bonus, but secured cards don’t normally offer a welcome bonus, so this is to be expected. This card also comes with an astonishingly-low interest rate of 10 percent APR (fixed). Of course, we recommend that you pay off your charges in full every month (and ). This card has three shortcomings, however: The maximum credit limit you can receive is $1,000. Upgrading to an takes 12 months of credit building. The upgrade option is for the Amazon Prime Store Card, a closed-loop store card. Not a Prime Member Pick the Amazon Secured Card*
The only difference between the Amazon Prime Secured Card and the is that the latter doesn’t offer cash back. All other terms and conditions, including the 10 percent fixed APR, are the same. The bottom line
Amazon seemingly offers the most comprehensive credit card lineup out of all store credit cards. There are open-loop and closed-loop cards, cards for Prime members and non-Prime members and cards to help consumers build credit. However, there are other cards to consider for . With one of these cards, you might be able to find better perks or a better welcome bonus. Even if you’re in the market for a secured card, check the to see if there’s a better option for you. *All information about the Amazon Prime Rewards Visa Signature Card, Amazon Rewards Visa Signature Card, Amazon Prime Store Card, Amazon Store Card, Amazon Prime Secured Card and Amazon Secured Card has been collected independently by Bankrate and has not been reviewed or approved by the issuer. SHARE: Andy Shuman is a contributing writer to Bankrate. He is a New York-based freelance writer with strong expertise in consumer credit and travel loyalty programs. Liz Bingler is an Associate Editor for CreditCards.com and Bankrate, where she focuses on product news and reviews. As an editor, her goal is to produce content that will help people to make informed financial decisions. Claire Dickey is a product editor for Bankrate, and . Before joining Bankrate, Claire worked as a copywriter for brands within the telecommunications industry as well as a hybrid marketing and content writer. Related Articles
