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, or wholesale clubs up to the quarterly maximum each time you activate. Plus, 1% unlimited cash back automatically on all other purchases.

Discover it® Cash Back

Highlights:
Card Highlights Provided by Discover:

  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn unlimited 1% cash back on all other purchases – automatically.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
  • 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.

Chase Freedom®

Highlights:

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49-25.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee

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. With this card, you’ll earn a unlimited 1.5% back on every purchase you make, including those made on Amazon.com. Plus, you’ll earn a hefty signup bonus just for meeting a small minimum spending requirement within the first 90 days of card ownership.

A few more details to consider:

Chase Freedom Unlimited®

Highlights:

  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49-25.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee

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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