Amazon is not just about shopping with some of the best credit cards available today. It may have only been founded in 1994, but it has become a powerhouse in the time since, making a name for itself with free two-day shipping. With the launch of its credit cards, Amazon has commanded an even larger share of the market. 

The best Amazon credit cards offer competitive APRs, no annual fees, and bonus rewards and protections that make Amazon credit cards an excellent fit for your shopping needs. 

Now is a great time to get an Amazon credit card since Amazon Prime Day is coming up on July 12 and 13. By joining Amazon Prime, cardholders can earn 6% back during the Prime Day sales event, as well as 5% or 2% on Amazon for the rest of the year.

Which is the best Amazon credit card?ZDNetcan help you decide.

Amazon Prime Rewards Visa Signature Card

Best Amazon credit card overall

card highlights intro bonusGet a$150 Amazon Gift Card instantly upon approval exclusively for Prime membersAPR19.49% - 27.49% Variablerecommended creditExcellent/Goodreward rates

• Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership
• Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
• Earn unlimited 1% on all other purchases

annual fee$0 intro purchase APRN/Aadditional details balance transfer feeEither$5 or 5% of the amount of each transfer, whichever is greater.balance transfer APR19.49% - 27.49% Variablelate payment feeUp to$39foreign transaction feesNonerewards & redemption details

• Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership
• Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
• Earn unlimited 1% on all other purchases

The Amazon Prime Rewards Visa Signature Card is our pick for the best Amazon credit card. It starts off strong with a$100 Amazon Gift Card that is delivered right upon approval. There is also an introductory offer giving 10% back on certain products. You receive regular rewards, too, including 5% cash back on purchases made at Amazon and Whole Foods Market. 

There is also 2% back when you make purchases at restaurants, gas stations, and drugstores, plus 1% back on utilities, rideshare services, and all other purchases you make. Some products give 10% back or more. When it comes time to pay, there is the option of either a 0% APR for six to 18 months when you spend$50 or more. You will need a Prime membership to benefit from this rewards card, but for many, it is well worth it given the rewards rates.

Pros	Cons
Few fees Impressive rewards Easy rewards redemption	Must have Prime membership Best rewards for Amazon purchases

Amazon Prime Rewards Visa Signature Card

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Amazon Business Prime American Express Card

Best Amazon credit card for businesses

card highlights intro bonusGet a$125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.APR19.49% - 27.49% Variablerecommended creditExcellent/Goodreward rates

• Take advantage of 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first$120,000 in purchases each calendar year, 1% Back thereafter
• 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
• 1% Back on other purchases

annual feeNo annual feeintro purchase APRN/Arewards & redemption details

• Take advantage of 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first$120,000 in purchases each calendar year, 1% Back thereafter
• 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
• 1% Back on other purchases

If you own a business, the Amazon Business Prime American Express Card also rewards you on your purchases. You can choose your choice of either cash back or special financing terms. If you choose rewards, you will receive 5% cash back on domestic purchases made at Amazon, Whole Foods Market, and AWS, up to$120,000 per year. There are also extra rewards, like 2% cash back at restaurants, gas stations, and even your wireless telephone bill. All other purchases garner 1% cash back. Rewards are valid up to your first$120,000 in purchases. 

If you choose 90-day terms, you receive interest-free financing for 90 days, saving you precious dollars on your purchases. Either way, there is a$100 bonus statement credit once you spend$3,000 in purchases within your first three months of having the card. However, like the Amazon Prime Rewards Visa Signature Card, you will need a Prime membership in order to be eligible for this card. 

Pros	Cons
Business perks Free employee cards No annual or foreign transaction fees	No introductory APR Good credit typically required

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Amazon Business Prime American Express Card

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Prime Store Card

Best Amazon credit card for financing

card highlights intro bonusGet a$60 Amazon Gift Card instantly upon approvalAPR29.99% Variablerecommended creditExcellent/Good Creditreward rates

• Get 5% back at Amazon with an eligible Prime membership.

annual fee$0 intro purchase APRN/Aadditional details balance transfer APR29.99% Variablerewards & redemption details

• Get 5% back at Amazon with an eligible Prime membership.

The Prime Store Card is the best Amazon credit card for financing options. You can swap your cash back rewards for special financing, instead. When you shop on Amazon, you can receive 0% APR based on the amount you spend. 

• Purchases of$150 or more ($50 or more during the two weeks leading up to Prime Day -- June 27 to July 13): six equal monthly payments
• Purchases of$600 or more ($300 or more leading up to Prime Day): 12 equal monthly payments
• Select purchases: 24 equal monthly payments

There is 5% cash back on all of your Amazon purchases when you have a valid Prime membership. There are also rotating categories that give you anywhere from 5% to 15% in cash back. You have the option of redeeming your cash back as either cash back toward your Amazon purchases or a statement credit for better convenience. As an introductory bonus, there is a$60 gift card awarded upon approval of your card. To help you pay that bill, there is also 0% APR financing that allows you to pay over time instead of upfront. 

Pros & cons

Pros	Cons
Competitive cash back rate Special financing options No annual fee	Must have Prime for best rewards Limited to Amazon purchases

Prime Store Card

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Amazon Prime Secured Card

Best Amazon credit card for poor credit

card highlights intro bonusN/AAPR10.00% Non-variablerecommended creditNo Creditreward ratesN/Aannual feeN/Aintro purchase APRN/A

The Amazon Prime Secured Card gives those with poor credit a chance to still have a credit card while rebuilding their credit. This is a card made for Amazon by Amazon, giving you the opportunity to rebuild your credit while you make your regular purchases on Amazon.com, as well as its physical stores. 

You will need to pay a deposit upfront, which can be anywhere from$100 to$1,000 and payable in$50 increments. Once you do that, you will receive 2% on your Amazon purchases when you have a valid Amazon Prime membership. The Amazon Prime Secured Card also gives you access to excellent credit tools, offering up free access to your credit score and credit-building tools and resources to help you along. After you rebuild your credit to satisfactory levels, you can transition to an unsecured credit card. 

Pros	Cons
Great for poor credit Competitive APR No annual fee	Deposit required Low credit limit

Amazon Prime Secured Card

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What is the best Amazon credit card?

The best Amazon credit card is the Amazon Prime Rewards Visa Signature Card for its generous rewards, competitive APR, and regular cash back. Plus, you receive an introductory gift card upon activation, plus elevated cash back as a welcome.  

Which Amazon credit card is right for you?

It can be difficult trying to differentiate between so many options for the best Amazon credit card. These are our expert recommendations to help.

Choose this product...	If you want...
Amazon Prime Rewards Visa Signature Card	A card designed to reward Prime members
Amazon Business Prime American Express Card	Rewards for your business
Prime Store Card	To finance your Amazon purchases
Amazon Prime Secured Card	To build your credit

How did we choose these Amazon credit cards?

In searching for the best Amazon credit cards, there are several factors we consider. 

• APR:The APR rate is always critical because it dictates how much interest you will have to pay.
• Rewards:Whether it is a sign-up bonus or promotional APR, some Amazon credit cards offer rewards that can make a card even more enticing. 
  
• Fees: Fees can quickly cut into your savings, adding to the interest that you pay. 

What is the APR for the best Amazon credit cards?

The APRs for the best Amazon credit cards range from 10% to 26.74%, depending on which Amazon credit card you choose.

What credit score do I need for an Amazon credit card?

Amazon credit cards require a credit score ranging from poor to excellent credit, which means there is something for everyone. 

Are there alternative credit cards worth considering?

Amazon has a limited number of credit cards but if you are interested in receiving rewards for your Amazon purchases, consider some of our picks for the best rewards credit card.

• Chase Freedom Flex?: Earn 5% cash back.
• Citi? Double Cash Card: Earn 2% cash back on purchases; 1% when you buy plus 1% as you pay.
• Bank of America? Customized Cash Rewards: Choose 3% cash back on the category of your choice. 

For more recommendations on credit cards, check out our expert picks for the best high-limit credit cards and the best international travel credit cards.

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