Amazon Credit Card

By Raquel Oliveira • 03/03/2025

The Amazon Credit Card offers Exclusive offers and promotions for cardholders.

Whether you’re buying electronics, books, or everyday essentials, this card allows you to earn cashback and points that can be used for future Amazon purchases. 

With its generous cashback program and additional perks, the Amazon Credit Card is designed to help you get more out of your Amazon shopping experience.

The card offers solid rewards, including 3% cash back on Amazon.com purchases for Prime members, making it an ideal option for those who frequently shop on the e-commerce giant. 

It also provides 2% cash back at restaurants, gas stations, and drugstores, and 1% on all other purchases, making it a well-rounded cashback card.

Maximize Your Rewards With up to 5% Back on Purchases

The main benefit of Amazon cards is the ability to earn up to 5% back on qualifying purchases at Amazon and Whole Foods Market stores. 

This type of reward is ideal for those who use Amazon as their main shopping destination and want to save without extra effort.

Plus, you can earn 2% back at restaurants, gas stations, and drugstores, which makes the card useful not only for online purchases but also for everyday spending. 

Accumulated rewards can be used directly on Amazon, meaning you’ll automatically be saving on your next purchase. 

Pros and Cons

Pros

• Until 5% cashback on eligible purchases at Amazon and Whole Foods.
• No annual fee, ideal for long-term savings.
• Exclusive offers and promotions for cardholders.
• Access to consumer protection programs such as purchase protection and extended warranties.

Cons

• Interest rates can be high for those who carry a balance monthly.
• The highest rewards are limited to purchases at Amazon and Whole Foods.
• It’s not the best option for those who don’t make frequent purchases on Amazon.

How do I know if the Amazon Credit Card is the best credit card for me?

If you’re a frequent Amazon and Whole Foods Market shopper, this card is for you. The generous rewards on qualifying purchases make it attractive to those looking to save money while making their usual purchases.

On the other hand, if you spend significantly at restaurants, fuel or drugstores, the 2% cashback can also add value to your monthly budget. This makes the card a balanced choice for consumers with different types of spending.

However, if you don’t make a lot of purchases on Amazon or prefer rewards that can be used more broadly, this card may not be the best option.

Exclusive Perks for Amazon Prime Members

If you are an Amazon Prime member, your benefits with the Amazon Credit Card become even better. Prime members are eligible for the full 5% cashback on Amazon and Whole Foods Market purchases, making it one of the best cashback cards.

Additionally, Prime cardholders get access to special financing options, allowing them to spread out payments on larger purchases without incurring interest for a set period.

For non-Prime members, the standard cashback rate is still competitive, but upgrading to Prime can significantly increase the overall value of this card.

Why do we like this card?

We like the Amazon card because it is a practical and efficient solution for us consumers who want to maximize benefits while shopping online. 

A cashback tax, for example, is one of the biggest attractions, as it allows significant savings on each qualified transaction.

Furthermore, the no annual fee makes the card accessible to a wide range of users, especially for those who want to start accumulating rewards at no additional cost. 

And not to mention that exclusive advantages, such as specific offers and promotions, are another highlight that favors regular Amazon customers.