7 Top Credit Cards for Amazon Cash Back

If you spend a lot of money shopping at Amazon.com, you can get some of your dollars back by using a cash back credit card. Here are seven contenders for your consideration, some of which focus specifically on Amazon spending.

Amazon.com strives to be the e-commerce destination where consumers can find and discover anything they want to buy online.
-- Jeff Bezos 

Jeff Bezos, founder and CEO of Amazon.com, is not only striving, but succeeding. His company hit a record-high stock price recently, and some are predicting that it will eclipse Apple and Microsoft and become the first company with a market capitalization of $1 trillion. 

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There's a good chance that you do a lot of your shopping at Amazon, and if so, you'd do well to consider using a credit card that pays you cash back for your Amazon spending. Here are some of the best credit cards for your consideration: 

Amazon Prime Store Card

This card is only for Amazon Prime members, with Prime membership recently costing $99 per year. It has been estimated that there are at least 66 million members, though, so there's a good chance you're a member and able to take advantage of this card.

If you're not, but you spend a lot at Amazon, it might be worth a Prime membership in order to get the card. Why? Because it offers 5% back on purchases at Amazon. Spend about $100 per week, on average, at Amazon, and that can get you $260.

It offers special financing deals, too. There's no annual fee, but the card only can be used for Amazon purchases. (Its APR is on the steep side, though, so aim to pay off your bills in full.)

Amazon.com Rewards

This card is another good option for Amazon shoppers and is available to Prime members and non-members alike. It, too, charges no annual fee and no foreign transaction fees, either.

You'll receive a $50 Amazon.com gift card upon signing up and then earn 3% cash back on all Amazon purchases, 2% back on spending at restaurants, gas stations, and drugstores, and 1% back on everything else. This card is more versatile than the Amazon Prime Store Card as it can be used in most retail locations and offers many common card perks, such as extended warranty protections.

Amazon Prime Rewards

If you're an Amazon Prime member and would like the best of both cards above, this is the one for you. It sports largely the same terms, only you receive a $70 gift card as a welcome gift, and more importantly, you earn 5% cash back on Amazon purchases (plus 2% back on spending at restaurants, gas stations, and drugstores, and 1% back on everything else, as with the above card).

Discover it® Cash Back

Discover it® Cash Back offers a simple 1% back on all spending, plus 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum ($1,500 of spending) each time you activate. You won't earn 5% back on Amazon.com spending at all times, but when you do, it will be a sizable percentage amount. (In 2016, 5% back on Amazon spending was available for a full six months.)

The deal gets a little better, too: After your first year ends, the card will match the rewards it has already given you. So if you earned 5% back on lots of Amazon.com purchases, you'll receive another 5% back, for a whopping total of 10%. This is only for the first year, but it can still be well worth it. The card charges no annual fee, and it includes your FICO® Score on each statement.

U.S. Bank Cash+

This card offers 5% back in rotating categories that you choose from a range of options. You get to select two per quarter, and you may be able to choose bookstores -- with Amazon being classified as one -- in more than one quarter. The 5% back is capped at $2,000 in spending per quarter -- enough to earn $100 in the period.

You'll also get to choose which everyday category (such as gas or supermarkets) you'll earn 2% cash back on, and you'll collect 1% back on everything else. There's no annual fee. 

Citi® Double Cash Card

The Citi® Double Cash Card will never pay you 5% or even 3% cash back on your Amazon spending, but it will pay you 2% back -- on all your spending. You'll get 1% when you make a purchase and then another 1% when you pay off that sum.

That's clearly not the best Amazon cash back deal around, but it's simple and dependable, and may net you the most, overall, when you take all your spending into account. After all, with many other cards, most purchases earn just 1%, while here they will earn 2%.

Fidelity Rewards

This card offers a simple 2% cash back reward -- with a catch. The 2% will be deposited into a Fidelity account. That can be perfect if you've got a Fidelity savings account, retirement account, brokerage account, or other account. It's also perfect if you'd like one card to use for most of your spending that features a significant cash back percentage on everything -- and it can help achieve your retirement savings goals, too. There's no annual fee.

If you shop at Amazon a lot, you'd do well to see if a credit card that pays you cash back for those purchases makes sense for you. Be sure to read the fine print and terms for any card of interest, as there may be details making each card more or less attractive.

Some, for example, may limit how big a balance transfer you can make, while others might be offering an enticing sign-up bonus. Many great cards require a good or great credit score -- so you might want to beef up your score before applying.