There are a number of completely different bank cards tailor-made to spending at Amazon.com, so let’s make selecting one easy: Should you’re not an Amazon Prime member, the Amazon Rewards Visa Signature Card* is the finest bank card for procuring at Amazon. Whereas this card will not enable you to entry upcoming Prime Day offers, that are for Prime members solely, it does supply strong rewards on Amazon and Complete Meals purchases, and non-obligatory financing for bigger purchases on the retail web site.   

Like all Amazon-brand playing cards, the Rewards Visa Signature Card has no annual payment. It additionally has no overseas transaction charges, so when you’re touring overseas, you may order wherever Amazon is out there with out further prices. And when you resolve to turn out to be a Prime member after getting this card — a Prime membership presently prices $139 yearly — you may be routinely upgraded to the Amazon Prime Rewards Visa Signature Card*, which presents even higher perks.

Under, we’ll assessment the Amazon Rewards Visa Signature Card’s supply — from the welcome bonus to the rewards program to the non-obligatory financing.

Learn extra: How one can Put together for Amazon Prime Day

On this article

• Rewards
• ​Welcome bonus​
• Financing a purchase order​
• Comparable playing cards​
• FAQs​
• Our method to bank card analysis​

Rewards

The primary draw of this card is that you’re going to earn 3% money again on Complete Meals and Amazon.com purchases. You may additionally earn 2% money again at eating places, fuel stations and drug shops, and 1% on all different purchases.

Many retailer co-branded bank cards restrict incomes and redeeming to its retail shops or manufacturers, however Amazon presents first rate reward charges outdoors of its e-commerce web site, making this a much more accessible and relevant card.

You may redeem your cash-back rewards for eligible purchases on Amazon.com, or you may get your rewards within the type of an announcement credit score or an digital deposit into an eligible US checking account.

Welcome bonus

While you’re permitted for the Amazon Rewards Visa Signature Card, you immediately obtain a $50 Amazon reward card. Whereas there are different playing cards with nominally higher welcome bonuses, it is uncommon to not should spend any cash to earn the welcome bonus. 

Financing a purchase order

Usually a function of retailer bank cards however no more generalist playing cards, you may select between cash-back rewards and non-obligatory financing while you make a big sufficient buy on Amazon.

At checkout for purchases of $50 or extra, you may select six months of 0% curiosity financing — you pay the invoice off in equal month-to-month installments. For purchases of $250 or extra, you get 12 months of interest-free financing, and purchases of $500 or extra unlocks the choice for 18 months of equal funds with no curiosity (14.99% to 22.99% variable APR thereafter). Once more, when you use this function, you will not earn rewards on these purchases — you are buying and selling the cash-back rewards bonus for extra time to repay your steadiness.

This function makes the Amazon Rewards Visa Signature Card a superb substitute for the very best bank cards with 0% introductory APRs.

Study Extra

Comparable playing cards

Amazon Prime Rewards Visa Signature Card

The Amazon Prime Rewards Visa Signature Card is an improve from the Amazon Rewards Visa Signature Card — it is the model of the cardboard particularly for Prime members. 

This higher-tier card comes with further perks, and whereas it is technically obtained no annual payment, it’s a must to be a Prime Member to use, which is able to value you $139 a 12 months. This further value makes when you’re an avid Amazon or Complete Meals shopper — you may earn 5% money again at each retailers, and you’ll earn 10% money again or extra on choose rotating merchandise. The welcome bonus is greater, too — you may stand up to a $150 reward card immediately while you’re permitted.

Prime membership may also achieve you extras, like entry to Prime Video, Amazon’s streaming service, in addition to Prime Day particular offers. 

See our full assessment of the Amazon Prime Rewards Visa Signature Card for extra info.

Financial institution of America® Custom-made Money Rewards bank card

Should you’re not a Prime member, an alternative choice to contemplate is the Financial institution of America® Custom-made Money Rewards bank card*. It means that you can select a customizable rewards class to earn 3% money again on on-line procuring. So when you’re usually procuring past Amazon.com, this card can be a greater choice.

You can too select fuel, eating, journey, drug shops, or residence enchancment/furnishings for the three% rewards alternative class. In any other case, you may earn 2% money again on grocery shops and wholesale golf equipment (on as much as $2,500 in mixed alternative class/grocery retailer/wholesale membership quarterly purchases, then 1%), and 1% on different purchases. You can too apply the 0% intro APR for financing — you may get 15 billing cycles with out curiosity when you pay your minimal funds on purchases and on any steadiness transfers made within the first 60 days (then a 14.74% to 24.74% variable APR). 

In contrast to with the Amazon Rewards Visa Card, that is for the primary 15 billing cycles and cannot be renewed. However you will not be blocked from incomes money again on these purchases.

The welcome bonus is technically bigger — a $200 on-line money rewards bonus — however you may should spend $1,000 on the cardboard within the first 90 days as a way to earn it, making it much less accessible.

FAQs

Our methodology

CNET opinions bank cards by exhaustively evaluating them throughout set standards developed for every main class, together with cash-back, welcome bonus, journey rewards and steadiness switch. We consider the standard spending habits of a spread of client profiles — with the understanding that everybody’s monetary state of affairs is completely different — and the designated operate of a card. 

*All details about the Amazon Rewards Visa Card, Amazon Prime Rewards Visa Signature Card and the Financial institution of America Custom-made Money Rewards bank card has been collected independently by CNET and has not been reviewed by the issuer.

The editorial content material on this web page relies solely on goal, impartial assessments by our writers and isn’t influenced by promoting or partnerships. It has not been supplied or commissioned by any third get together. Nonetheless, we might obtain compensation while you click on on hyperlinks to services or products supplied by our companions.

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