Best credit cards for Amazon purchases

Benji joined The Points Guy as a contributor in 2016 and is now on the team full-time as a Strategic Travel Reporter.

With millions of products at your fingertips, it’s no surprise that people spend a lot on Amazon. Whether you are an occasional Amazon shopper or at the point where the online retail giant’s “Recommended for You” section knows you better than your best friend, you’ll want to make sure you’re using a card that maximizes your purchases from the site.

Determining which card is right for you requires looking beyond just ” target=”_blank” rel=”noreferrer noopener”>Prime member and what other cards you already carry. With all those things in mind, here’s a look at the top cards to use when Best credit cards for Amazon purchases

Amazon Prime Rewards Visa Signature Card

At first glance, Amazon’s own Prime Rewards Visa appears to be the most exciting option — and for most people, it is. The Prime member-exclusive card, which should not be mistaken for the basic Amazon Rewards Visadoes not charge an annual fee (though you do need to pay for Prime membership, obviously). It offers an impressive 5% cash back on all Amazon and Whole Foods purchases, as well as 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases. Upon approval, you’ll get a $100 gift card automatically loaded into your account.

The biggest drawback is that the high return on spend is all this card really has to offer. While it comes with purchase protection (it covers items up to $500 in value if they’re damaged or stolen within 120 days of purchase) and extended warranty protection, it doesn’t include important purchase benefits like price protection or return protection, so it’s not ideal for large purchases.

The other drawback is that you need a Prime membership (at $119 per year) to qualify. Although with so many U.S. households already subscribed, that’s probably not much of an issue.

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