Two Rewards Cards Every Amazon Prime Member Needs

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The internet has transformed the way many of us shop and stock our homes with food and other supplies (just ask any brick-and-mortar small business owner). Where we once drove from store to store or even town to town to pick up essentials for daily living, we can now order what we need online at any time of the day or night, while sitting in bed, and with the click of a mouse.

Obviously, the impact of Amazon.com over the past two decades can’t be understated: It’s been nothing short of transformative. Thanks to features like Amazon Prime, which offers members free two-day shipping on everything, and “Subscribe and Save,” American appetites for online shopping have expanded far beyond books and hard-to-find or specialty items to everyday essentials like diapers, housewares, paper towels, cooking supplies, and even dog food.

Two Rewards Credit Cards You Need if You Shop on Amazon.com

Avoiding the mall and shopping online will definitely save you time, and it will occasionally save you some money to boot. With the right credit card in your wallet, you can also earn some extra cash back at Amazon.com during certain times of the year.

Here are two cards to consider if you love and use Amazon.com regularly anyway, and want to boost your rewards to a whole new level:

Discover it® Cash Back

The Discover it® Cash Back lets you earn tiered rewards that rotate every quarter. For most of your purchases, you’ll earn a flat 1% back on every dollar you spend. However, you can also earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum each time you activate. Plus, 1% unlimited cash back automatically on all other purchases.

Discover it® Cash Back

Apply Now on Discover’s secure website

Highlights
Card Highlights Provided by Discover:
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.

Chase Freedom®

When the Chase Freedom® card announced its quarterly bonus categories for January through March 2018.

This card is offering 5% at gas stations, internet, cable, and phone services. If history tells us anything, that means we will earn 5% back on Amazon.com and a few other online retailers with our Chase Freedom® card in the fourth quarter this year. After all, they have doled out 5% on Amazon.com each holiday season since 2013, though they added the Amazon.com category in January the year before.

We shouldn’t count our eggs before they hatch, of course, but it would be nice to get a repeat on that promotion. Either way, it’s pretty safe to say the Chase Freedom® card will offer at least 5% back the last quarter of this year.

Just remember, earning 5% with your Chase Freedom® card requires a little bit of work on your part. Unlike some other cards that award bonus points automatically, the Chase Freedom® card requires you to “activate” your card. If you haven’t done it for this quarter’s bonus category yet, you can activate it here or through your online account management interface.

Hate Rotating Rewards? Consider a Cash-Back Card that Offers a Flat Rate

If you like the idea of earning up to 10% on purchases made through Amazon.com, signing up for either one of these cards might be a smart idea. With a top no-fee rewards card in your wallet, you can earn a bare minimum of 1% back for every dollar you spend, plus up to 10% depending on which card you choose and their current promotions.

If you don’t like keeping track of rotating categories or remembering to sign up for a new promotion each quarter, you can also consider a card that offers a flat rate of cash back.

The Chase Freedom Unlimited® is a solid option if you want flat rate rewards.

Credit Card Directory

If you want to explore more cash back options, including additional cards that earn a flat rate of 1.5% back or more, check out our credit card directory below.

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