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Amazon Rewards Guide

13 data points

Top 5 Credit Cards by Earning Rate at Amazon

ChaseFreedom Flex
5.10X Ultimate Rewards points
Bank of AmericaCustomized Cash Rewards
3% cash backWith Bonus Earning
American ExpressBlue Cash Everyday
3% cash back
CitiThankYou Mastercard
2X ThankYou points
CitiShop Your Way Mastercard
1% cash back

Amazon

USA

Other

Date

2026-05-05fromDoctor of CreditDoctor of Credit↗

Giftcard Purchased

Amazon

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD1% Cash Back

Rewards

1 USD

Additional Notes

Confirmed in Doctor Of Credit - https://www.doctorofcredit.com/which-online-retailers-earn-3x-with-bank-of-america-cash-rewards/#comment-2315418 - You can buy Amazon GC and use that to pay through the Whole Foods app as wellRead more

Amazon

USA

Amazon

Date

2026-04-21

Balance Reload

Yes

Purchase Type

🌐

Online Purchase

https://www.amazon.com

Reward Details

Amount

Earning Rate

4.9 USD5.10X

Rewards

25 Ultimate Rewards Points

Amazon

USA

Online Retail

Date

2026-03-26

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

50 USD3% Cash Back

Rewards

1.5 USD

Amazon

USA

Department StoreOnline PurchasesRetail

Date

2026-03-12

Balance Reload

Yes

Purchase Type

🌐

Online Purchase

https://www.amazon.com

Reward Details

Amount

Earning Rate

100 USD2X

Rewards

200 ThankYou Points

Amazon

USA

Department StoreOnline PurchaseRetail

Date

2026-02-24

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.amazon.com

Reward Details

Amount

Earning Rate

50 USD2X

Rewards

100 ThankYou Points

Amazon

USA

Online Shopping

Date

2026-02-14fromRedditReddit↗

Giftcard Purchased

Uber

Purchase Type

🌐

Online Purchase

https://www.amazon.com

Reward Details

Amount

Earning Rate

100 USD5% (With Bonus Earning)

Rewards

5 Cash

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1r5eapd/best_card_i_can_get_for_uberlyft/o5ibuax/Read more

Amazon

USA

Department StoreOnline PurchaseRetail

Date

2026-02-06

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

300 USD2X

Rewards

600 ThankYou Points

Amazon

USA

Online Shopping

Date

2025-10-01

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.amazon.com

Reward Details

Amount

Earning Rate

100 USD3% Cash Back (With Bonus Earning)

Rewards

3 USD

Amazon

USA

Online PurchaseRetail

Date

2025-09-24

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.amazon.com

Reward Details

Amount

Earning Rate

200 USD1% Cash Back

Rewards

2000 Shop Your Way Points

Amazon

USA

Retail

Date

2025-09-20

Giftcard Purchased

Amazon

Purchase Type

🌐

Online Purchase

https://www.amazon.com

Reward Details

Amount

Earning Rate

100 USD1% Cash Back

Rewards

1000 Shop Your Way Points

Amazon

USA

Online PurchaseRetail

Date

2025-08-26fromDoctor of CreditDoctor of Credit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

Reward Details

Amount

Earning Rate

100 USD1% Cash Back (With Bonus Earning)

Rewards

1000 Shop Your Way Points

Additional Notes

Confirmed in Doctorofcredit - https://www.doctorofcredit.com/what-works-eligible-categories-for-the-citi-sears-card/#comment-2129392Read more

Amazon

USA

Online Shopping

Date

2025-01-30fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

Reward Details

Amount

Earning Rate

50 USD3% Cash Back (With Bonus Earning)

Rewards

1.5 USD

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1ic2vy7/comment/m9n4i2t/Read more

Amazon

USA

Online Shopping

Date

2024-04-19fromDoctor of CreditDoctor of Credit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.amazon.com

Reward Details

Amount

Earning Rate

100 USD3% Cash Back

Rewards

3 USD

Additional Notes

Confirmed in Doctor Of Credit - https://www.doctorofcredit.com/which-online-retailers-earn-3x-with-bank-of-america-cash-rewards/#comment-1833423 - Adding some recent dps:Costo.com – CountedAmazon.com – CountedAXS.com – CountedMichaels.com via Paypal – CountedRead more

Quick Rewards Guide for Amazon

💡 Top Performing Card: The community-verified best credit card for Amazon purchases is the Chase Freedom Flex. Transactions on this card consistently earn 5.10X Ultimate Rewards points by coding in the "Amazon" category.

🔍 Merchant Category Coding (MCC): Amazon transactions most frequently code as "Other" (or sometimes "Amazon / Online Retail / Online Purchases, Retail, Department Store / Department Store, Retail, Online Purchase / Online Shopping / Retail, Department Store, Online Purchase / Retail,Online Purchase / Retail / Online Purchase, Retail"). Ensure your chosen card offers high multiplier rewards for this category to maximize your cash back or travel points.

💳 Maximize Online & App Bookings: For online or mobile app purchases at Amazon, checkout options like PayPal, Apple Pay, or purchasing digital gift cards can sometimes trigger alternative bonus categories (like 5% quarterly rotating categories) that outperform standard card multipliers.

Frequently Asked Questions

Q:What category does Amazon code as on credit cards?

Based on community data points, Amazon transactions primarily code under the "Other" category. However, coding can vary depending on whether the purchase is made online, through a third-party gateway, or via an app.

Q:Which credit card is best to use at Amazon?

The Chase Freedom Flex is highly recommended, as it has been verified to earn 5.10X Ultimate Rewards points on Amazon. Any card offering 3% or more cash back (or 3x points) on "Other" purchases will also deliver excellent value.

Q:Does Amazon code differently depending on the card network?

Yes, Visa, Mastercard, American Express, and Discover maintain separate merchant category databases. While Amazon usually codes as "Other" consistently, international purchases or transactions paid through digital wallets may experience slight category variations.