Amazon Crédit Card

By Raquel Oliveira • 04/03/2025

The Amazon Crédit Card offers simple cashback rewards with easy redemption.

The Amazon Credit Card is an attractive option for frequent Amazon shoppers, offering great rewards for purchases made at Amazon and other partnered stores. 

In this review, we’ll explore the key benefits, pros and cons of the Amazon Credit Card, and help you decide if it’s the best card for you.

The card offers generous cashback, special financing options, and exclusive promotions designed to enhance the shopping experience.

Additionally, it includes a welcome bonus and no annual fee, making it a cost-effective way to maximize everyday spending. However, those who do not shop regularly on Amazon may find other rewards cards more valuable.

Earn up to 5% Cashback on Amazon Purchases

One of the standout benefits of the Amazon Credit Card is the ability to earn up to 5% cashback on purchases made at Amazon.com, Whole Foods Market, and even Amazon Fresh. 

If you’re an Amazon Prime member, you get this cashback rate, which can quickly add up for those who shop regularly on the platform. 

Not only do you earn rewards, but the 5% back can be used toward future Amazon purchases, saving you even more money in the long run. 

This makes it a great option for loyal Amazon customers who want to get more value from their everyday purchases.

Pros and Cons

When considering a credit card, it’s important to weigh the pros and cons to make an informed decision. 

The Amazon Credit Card has its share of advantages, but also a few drawbacks that potential users should be aware of.

Pros

• 5% cashback at Amazon for Prime members
• No annual fee or foreign transaction fees
• Extra savings with financing options

Cons

• Lower cashback rates for non-Prime members
• Limited rewards for non-Amazon purchases
• High interest rates on outstanding balances

Exclusive Perks for Amazon Prime Members

Amazon Prime members receive even better benefits with the Amazon Credit Card.

• Prime members qualify for the full five percent cashback on Amazon and Whole Foods purchases, making it one of the top cashback cards for frequent shoppers.
• Additionally, Prime cardholders gain 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 remains competitive, but upgrading to Prime can significantly increase the overall value of this card.

How do I Know If the Amazon Credit Card Is the best credit card for me?

To determine if the Amazon Credit Card is right for you, consider how often you shop at Amazon and Whole Foods. 

If you’re a frequent Amazon shopper, especially with a Prime membership, the 5% cashback is a fantastic way to maximize your spending. 

Additionally, if you plan on using the card for everyday purchases like dining or fuel, the 2% cashback on restaurants and gas stations is an added perk. However, if you rarely shop at Amazon, the benefits might not be as appealing. 

Look at the cashback categories and evaluate your spending habits to decide if the rewards will be worth it for you.

Why do we like this card Amazon Crédit Card?

We like the Amazon Credit Card because it offers some of the highest cashback rates for Amazon shoppers, especially if you’re an Amazon Prime member. 

The 5% back is a huge benefit that can easily be used to reduce future spending on the site. Additionally, there’s no annual fee or foreign transaction fee, making it a cost-effective option for those who want to earn rewards without paying extra fees. 

The ability to earn 2% back on dining and gas is also a nice bonus, offering flexibility for other everyday purchases. 

All in all, if you shop frequently at Amazon and want to make your purchases even more rewarding, this card is a good choice.