Best credit card at Amazon
According to Kiwii, which ranks cards by computed math rather than commissions, the best card at Amazon for a typical $1,400/year shopper is the Prime Visa, netting about $70 per year after fees.
+$70/yr
net back per year with Prime Visa
| Card | Rate hereRate | Annual feeFee | CreditsCred. | Net / yearNet | |
|---|---|---|---|---|---|
| 5% (5x pts) | None | — | $70 | Learn more | |
| 3% (3x pts) | None | — | $42 | Learn more | |
| 3% | None | — | $42 | Learn more |
Figures computed from issuer terms including earning caps and annual fees, at typical yearly spend for this merchant. Figures updated August 11, 2026. Some links may earn Kiwii a commission; commissions never affect the ranking. How Kiwii makes money
This math assumes $1,400/year at Amazon and an empty wallet.
Your real answer depends on everything you spend and the cards you already carry. Kiwii Match runs this same math across your actual spending and tells you which card or combo earns you the most, and what you're missing per year with the cards you have now.
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- The 5% rate requires an Amazon Prime membership, about $139 per year, which is not counted in the math above.
- Point cards are valued at their cash redemption rate (Chase points at 1¢ per point). Transfer or portal redemptions can be worth more; that upside is not counted.
Amazon is categorized as Shopping for rewards purposes, which is what determines the bonus rate most cards pay here.