Amazon offers two types of credit cards for customers—a rewards card and a store card—and each type has an Amazon Prime option and a standard option to choose from.

The only meaningful benefit to the Amazon.com Store Card and the Amazon Prime Store Card that you can't already get from their rewards card counterparts is the option for monthly financing. With either of the Amazon store cards, you can finance purchases of a certain amount over a six-, 12- or 24-month repayment plan, with a 0% interest rate. We don't think this benefit is enough to warrant choosing a store card over either of the rewards cards, though.

Instead, if you frequently shop on Amazon.com or at Whole Foods and you're looking to earn cash back on your purchases, you should compare Amazon's rewards cards with the best cash-back credit cards to make your decision.


The Best Amazon Credit Card for Prime Subscribers

Best for people who:

• Are already Amazon Prime members.
• Spend upward of $6,000 per year on Amazon products.
• Spend more than $119 per year on shipping for Prime-eligible products.
• Frequently shop at Whole Foods.
• Live in an Amazon same-day shipping hub.

The Amazon Prime Rewards Visa Signature Card is the best credit card for Amazon purchases. It has No Annual Fee (other than the $119 Amazon Prime subscription) and comes with a $70 Amazon.com gift card upon approval. It also offers a significant 5% cash back on purchases at Amazon.com and Whole Foods. Purchases at restaurants, gas stations and drugstores earn you 2% back, and you'll receive 1% back for all other spending.

Great if You're Already a Prime Member

If you already subscribe to Amazon Prime for its other benefits, such as free two-day shipping (or same-day shipping in some areas) and access to the Amazon Prime video-streaming service, adding this card to your wallet is a free way to optimize your spending. Its 2% and 1% cash-back categories aren't bad, but they also don't set it apart from most other rewards cards on the market. The real benefit of the card is the opportunity to earn 5% back on Amazon and Whole Foods purchases.

However, if you don't think you order enough from Amazon to warrant paying for Amazon Prime, we don't think you should sign up for it just to qualify for this Amazon card. There are other good cards with no annual fee and no Prime subscription required, including the Amazon Rewards Card.


The Best Amazon Credit Cards if You Don't Have Prime

Best for people who:

• Don't want Amazon Prime.
• Spend less than $6,000 per year at Amazon.com and Whole Foods.
• Buy a lot of products from Amazon that aren't eligible for Prime shipping.

The Amazon Rewards Card is essentially a light version of the Amazon Prime Rewards Visa Signature Card. All spending categories earn you the same 2% to 1% back that you would get with the Amazon Prime Rewards Visa Signature Card, with the exception of purchases on Amazon.com and at Whole Foods, where you'll only receive a 3% credit for your purchases rather than 5%. Also, the Amazon Rewards Card comes with a $50 Amazon gift card upon approval instead of the $70 gift card you'd receive with the Amazon Prime Rewards Visa Signature Card.

Good if You Don't Have Prime

No Amazon Prime subscription is required to qualify for the Amazon Rewards Card, meaning you'll profit from your very first purchase. For example, somebody who spends $4,000 per year at Amazon and Whole Foods would earn $120 back on those purchases with the Amazon Rewards Card, but only $81 with the Amazon Prime Rewards Visa Signature Card once you deduct the cost of Amazon Prime. However, this does not take into account any money you could have saved in waived shipping fees through an Amazon Prime subscription, so figuring out which card is best for you really depends on the total amount you spend and whether the products you regularly order are eligible for Prime shipping. In most cases, the Amazon Prime Rewards Visa Signature Card is the better choice.


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Best Amazon Credit Card: How to Get the Most Out of Your Purchases

Men’s Wearhouse Perfect Fit Credit Card

The Men’s Wearhouse Perfect Fit Credit Card is both a credit card and a rewards card for frequent shoppers, but customers don’t have to have the Perfect Fit Rewards credit card to be part of the program.With the Rewards Program, users get certificates that are valid for a period of six months after they’re issued. For every $500 in purchases a member makes, they get a $50 rewards credit. This can save a lot of money for customers who often shop in this store.

Levin's Furniture Credit Card

Visiting top-performing stores and home furnishing retailers means you need to have your pocket be filled with cash. But with Levin Furniture Credit Card, you have a most preferred and hassle-free option to deal with payment problems. Levin Furniture Credit Card is offering 0% APR and also comes more additional advantages to best meet your requirements.

Midas Credit Card

So, this Midas store card is another credit card from Synchrony Bank. But is this credit card really worth getting it? At a first sight, this credit card doesn’t seem to offer any tangible benefits. Yet, let’s discover the details of this credit card in our Midas credit card review. Midas Credit Card is a store credit card issued by Synchrony Bank. If you're wondering whether Midas Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Kohl's Credit Card

The Kohl’s Credit Card, issued by Capital One, has “bargain shopper" written all over it. Fans of the department store can combine the card’s discount offers with rewards from Kohl’s other loyalty programs to maximize their savings throughout the year. And also, the Kohl’s Credit Card has relatively standard fees as store cards go, including a high APR.

BrandSource Credit Card

The BrandSource Credit Card is a Citi-provided credit card for financing purchases at BrandSource, a major retailer of appliances, electronics, and other home products with more than 4,500 locations nationwide. Cardholders also receive no-interest financing options and special offers and rebates.It requires a low credit rating and can be used at Brandsource stores.

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