You have a few options when it comes to Amazon credit cards, so here’s a few things to consider to help you make your choice:
- Do you want to earn rewards?
Most Amazon credit cards and some Discover cards let you earn the highest rewards rate on Amazon purchases. But in most cases, you’ll need an Amazon Prime membership to tap the highest rewards.
- Do you need interest-free days to pay for your purchases?
Amazon store cards often let you get an interest-free period over a certain amount, such as $149 or more. This can be useful if you’re looking to buy now and pay later with no additional cost.
- Does your business use Amazon business services?
There is an excellent business credit card offered by American Express, specifically designed for businesses that use Amazon Web Services (AWS) or Amazon Business services. With this card, you’ll either earn cash back on these categories or you’ll get up to 90 days of an interest-free period.
Prime Day deals to look out for
The cool thing about having an Amazon Prime credit card is that the cash back you earn stacks with any Prime Day deals.
For example, an Amazon Prime Visa Card comes with a 5% cash back on all Amazon.com purchases. Suppose you find a deal with 10% back, you’ll actually earn a total of 15% back on that particular purchase.
The standard cash back you can earn with your Amazon card and a Prime Day deal is often either 10% back or 15% back.
Here are six credit cards to consider for Amazon perks.