Updated: April 1, 2020

If you shop at Whole Foods or Amazon, you may have heard about Amazon’s cash back cards. When you choose a credit card from Amazon, 5% cash back on purchases made at Whole Foods Market and on Amazon.com is one of your rewards, plus other perks. But is it the best card for you, or is there a better card out there for your Amazon purchases? Here’s how to maximize your cash back earnings on Amazon and beyond.

What do the Amazon cards offer?

Even if you shop regularly on Amazon, that doesn’t necessarily mean you need an Amazon-branded card to get the best rewards. Still, it’s important to consider the benefits of these cards.

There are two Amazon cash back cards to choose from: the Amazon Prime Rewards Visa Signature Card* and the Amazon Rewards Visa Signature Card*, both by Chase. These cards are virtually identical except for their qualifications and cash back earnings. You must have an eligible Amazon Prime membership in order to qualify for the Prime Rewards card, but you’ll get 5% cash back at Amazon.com and at Whole Foods Market. You don’t need a Prime account for the Rewards card, and because of that, the Amazon.com and Whole Foods cash back rate is only 3%.

On both cards, you’ll also get 2% cash back at gas stations, drugstores, and restaurants. Get 1% cash back on all other purchases. You’ll see your rewards balance during the Amazon.com checkout process, which you can redeem right there — note that you can’t redeem your rewards any other way. Another bonus is that there’s no annual credit card fee and no foreign transaction fees.

The cards also come with travel and emergency assistance, lost luggage reimbursement, baggage delay insurance, travel accident insurance, an auto rental collision damage waiver, purchase protection, additional warranty protection and roadside dispatch. These cards also have no intro APR periods.

Are the Amazon cards worth getting?

But are these Amazon cash back cards right for you? You’ll want to consider your spending habits and how you’d most likely want to use cash back rewards. For example, if you want to earn cash back on your Amazon purchases but don’t necessarily want to spend it there, you may find another card that has better redemption options.

Even more important, if you only shop at Amazon.com or Whole Foods Market periodically, there are better cash back options that still reward you for online purchases and grocery store purchases without the Amazon moniker. You may be tempted to just apply for the Amazon credit card and call it a day, but before you do, compare the following cards to the Amazon credit card to find a choice that helps you maximize your cash back on Amazon.com and beyond.

There are better cards to consider

Discover it® Cash Back

The Discover it Cash Back card is the best of the intro APR, ongoing cash back and bonus worlds. It earns 5% cash back on rotating categories each quarter you activate (on up to $1,500/quarter in purchases, then it’s 1% back). Discover it Cash Back’s 2020 rotating categories range from Amazon.com to restaurants to select pharmacies and more. All other purchases get 1% unlimited cash back automatically.

Plus, all the cash back you earn in your first year as a cardholder is matched at the end of the first year, which is like earning 10% cash back on rotating categories (up to the quarterly maximum) and 2% on all other purchases for the first year. Another perk is that there’s a 14-month (see terms) intro APR on purchases and balance transfers, with a (see terms) intro balance transfer fee, which goes up to (see terms) on future transfers (see terms)* — after the intro APR expires, the rate is (see terms). If you want to expand your 5% cash back earning opportunities beyond Amazon.com and Whole Foods, plus get a nice intro cash back bonus and pay no annual fee, this might be the card for you.

Information regarding the Discover it Cash Back was prepared by NextAdvisor.com staff. Opinions expressed therein are solely those of the writer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented on this page is accurate as of the date of the post.

Citi® Double Cash Card

The Citi Double Cash Card (a NextAdvisor advertiser) earns you 2% cash back on all purchases. You’ll get 1% cash back when you buy and another 1% cash back as you pay back what you owe. There are no categories or spending maximums to worry about. The Citi Double Cash Card also has no annual fee.

Although there’s no intro bonus or 0% intro APR on purchases, this is also a good cash back card for balance transfers. You can get an 18-month 0% intro APR on balance transfers before it transitions to a 13.99% - 23.99% (Variable) rate (with a 3% balance transfer fee, $5 minimum).

Wells Fargo Cash Wise Visa® card

The Wells Fargo Cash Wise Visa card is a cash rewards card that provides unlimited 1.5% cash rewards on purchases, with no maximum limits and no categories or quarters to activate. Cardholders can earn extra cash within the first 12 months of the account opening, with 1.8% cash rewards on qualified digital wallet (like Google Pay™ and Apple Pay®). In addition to the cash back rewards, there’s no annual fee and a 15-month 0% intro APR on purchases and qualifying balance transfers (with an intro balance transfer fee of 3% for 120 days, then it’s 5% – with a $5 minimum) — after the 0% intro APR expires, the rate is 13.99%-25.99% (Variable). The card also provides a unique cell phone protection feature, where you can receive up to $600 protection (subject to a $25 deductible) against covered damage or theft when you pay your monthly cell phone bill with your Wells Fargo Cash Wise Visa card.

Chase Freedom Unlimited®

Get unlimited 1.5% cash back with the Chase Freedom Unlimited card. There’s no annual fee, and you can get a $150 cash back bonus after spending $500 on purchases in the first 3 months of the account opening. The card also comes with a complimentary 3 months of DashPass, the subscription service for DoorDash that provides unlimited deliveries for a $0 delivery fee on orders over $12 (note that you must activate by Dec. 31, 2021), plus 5% cash back on Lyft rides through March 2022 — that’s 3.5% cash back in addition to the 1.5% cash back you already earn.

The card also features a 15-month 0% intro APR period on purchases and balance transfers (then it’s 16.49% – 25.24% variable). There is a balance transfer fee of 3% when you transfer a balance during the first 60 days your account is open ($5 minimum), after that, it’s 5% or $5, whichever is greater  The card also comes with credit card protection features like unlimited access to your credit score, zero liability protection for unauthorized charges, purchase protection for new purchases for 120 days against theft or damage and an extended warranty protection that lengthens the time period of a U.S. manufacturer’s warranty by an additional year.

Information regarding the Chase Freedom Unlimited was prepared by NextAdvisor.com staff. Opinions expressed therein are solely those of the writer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented on this page is accurate as of the date of the post.

Although getting the Amazon credit card may be appealing, it may not be the solution for everyone. If you don’t think one of the cards detailed in this post are right for you, visit our best credit cards page to see some other options.

*Information regarding the Amazon credit cards was prepared by NextAdvisor.com staff. Opinions expressed therein are solely those of the writer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented on this page is accurate as of the date of the blog post.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.