Best Credit Cards for Amazon (2026)

By Bryce Casson, Founder · Cardocrat · Updated November 2026

The short answer: For heavy Amazon shoppers, a co-branded Amazon card earns the most; everyone else can lean on a strong flat-rate card. the Prime Visa leads.

Amazon is a top spending destination for most households. The co-branded Amazon cards earn the highest rate on Amazon.com and Whole Foods, while a strong flat-rate card covers Amazon and everything else at a solid base rate.

We list the cards that earn the most on Amazon spending, from the dedicated co-brands to the best general-purpose options.

Our top picks

1. Prime Visa 5x at Amazon and Whole Foods (with Prime)

The Prime Visa has a $139 annual fee, plus a welcome offer of $150 Amazon Gift Card upon approval.

5% back at Amazon, Amazon Fresh, and Whole Foods Market (Prime membership required)
No card fee from Chase, but the card requires a $139/yr Prime membership, which we count as its annual fee
$150 Amazon gift card upon approval (Amazon balance, not a cash welcome bonus)

2. Amazon Visa 3x at Amazon and Whole Foods

The Amazon Visa has no annual fee, plus a welcome offer of $50 Amazon Gift Card upon approval.

3% back at Amazon, Amazon Fresh, and Whole Foods Market (no Prime membership required)
$60 Amazon gift card upon approval (Amazon balance, not a cash welcome bonus)

3. Amazon Store Card 5x at Amazon and Whole Foods (with Prime; works only there)

The Amazon Store Card has a $139 annual fee, plus a welcome offer of Amazon Gift Card upon approval (amount shown when you sign in).

5% back at Amazon.com and Whole Foods Market with an eligible Prime membership
No rewards at all without Prime (the card itself has no annual fee)
Amazon Gift Card added to your account instantly upon approval
Usable only at Amazon.com and Whole Foods Market

4. Wells Fargo Active Cash® 2x flat on everything, including Amazon

The Wells Fargo Active Cash® has no annual fee, plus a welcome offer of $100 cash rewards bonus.

5. Citi Double Cash® 2x flat on everything, including Amazon

The Citi Double Cash® has no annual fee, plus a welcome offer of $200 cash back.

Compare the top cards

Card	Rewards rate	Annual fee	Welcome offer	Details
Prime Visa	5x at Amazon and Whole Foods (with Prime)	$139	$150 Amazon Gift Card upon approval	Review
Amazon Visa	3x at Amazon and Whole Foods	No annual fee	$50 Amazon Gift Card upon approval	Review
Amazon Store Card	5x at Amazon and Whole Foods (with Prime; works only there)	$139	Amazon Gift Card upon approval (amount shown when you sign in)	Review
Wells Fargo Active Cash®	2x flat on everything, including Amazon	No annual fee	$100 cash rewards bonus	Review
Citi Double Cash®	2x flat on everything, including Amazon	No annual fee	$200 cash back	Review

Rewards rates and offers verified November 2026. Every point is valued at a flat 1 cent. Run your own numbers in the rewards calculator, and check the best current welcome offers for cards running an elevated bonus right now.

Frequently asked questions

What is the best credit card for Amazon?

For Prime members, the co-branded Prime Visa earns 5 percent at Amazon and Whole Foods. Non-Prime shoppers earn 3 percent with the no-Prime Amazon card. If you would rather not add a store card, a flat 2 percent card works on Amazon and everywhere else.

Does the Amazon card have an annual fee?

The Amazon Visa has no annual fee and needs no membership. The Prime Visa and the Amazon Store Card charge no card fee either, but both require an Amazon Prime membership ($139 a year) to earn 5 percent, so we count Prime as their annual fee.

Do Amazon cards earn on Whole Foods?

Yes. Both Amazon cards earn their top rate at Whole Foods Market in addition to Amazon.com.

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Bryce Casson, Founder of Cardocrat. About the author.