Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.The information for the following product(s) has been collected independently by Business Insider: Citi Premier® Card, U.S. Bank Shopper Cash Rewards™ Visa Signature® Card, Citi® Double Cash Card, Citi Custom Cash℠ Card, Citi Rewards+® Card, Citi Prestige® Card, Capital One Savor Cash Rewards Credit Card†, Capital One Spark Miles for Business†, Hilton Honors American Express Aspire Card, Marriott Bonvoy Bold® Credit Card, Marriott Bonvoy Boundless® Credit Card, Marriott Bonvoy Bountiful™ Card, U.S. Bank Altitude® Connect Visa Signature® Card, U.S. Bank Altitude® Go Visa Signature® Card, U.S. Bank Altitude® Reserve Visa Infinite® Card, U.S. Bank FlexPerks® Gold American Express® Card, U.S. Bank Business Triple Cash Rewards World Elite Mastercard®. The details for these products have not been reviewed or provided by the issuer.
You can significantly reduce your shopping bill by redeeming credit card points on Amazon.
Many popular currencies participate, such as Chase Ultimate Rewards® and Amex Membership Rewards.
We don’t usually recommend using points this way because they can be worth much more for travel.
Read Business Insider’s guide to the best rewards credit cards.
Introduction to using credit card points on AmazonAmazon makes it simple to redeem many rewards currencies from the best credit cards at checkout to offset your balance. We almost never recommend using your points this way, but it can make sense for you if you don’t plan to travel in the near future.Redeeming credit card points on Amazon can also a good strategy if you have a small points balance you won’t otherwise use. And it can make Amazon Prime Day deals even sweeter if you use points to discount or pay for your purchase.Here’s everything you need to know about the benefits of using points for Amazon purchases.Watch for promotional discounts using pointsWe occasionally see promotions that give you significant value for using points at Amazon, even if you split your payment between rewards and cash. These offers will trigger when you use at least 1 credit card point at checkout.Eligible credit cards for Amazon points use
Chase Sapphire Preferred® Card
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4.4/5
Icon of check mark inside a promo stamp
It indicates a confirmed selection.
Perks
Earn 5x on travel purchased through Chase Travel℠. Earn 3x on dining, select streaming services and online groceries. Earn 2x on all other travel purchases. Earn 1x on all other purchases.
Regular APR
21.49% – 28.49% Variable
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
High intro bonus offer starts you off with lots of points
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Strong travel coverage
Cons
con icon
Two crossed lines that form an ‘X’.
Doesn’t offer a Global Entry/TSA PreCheck application fee credit
Product Details
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase Travel℠.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 75,000 points are worth $937.50 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Member FDIC
The Platinum Card® from American Express
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4.4/5
Icon of check mark inside a promo stamp
It indicates a confirmed selection.
Perks
Limited time offer: Earn 10X Membership Rewards® Points at restaurants worldwide for three months, on up to $25,000 in purchases when eligible card member refers a friend and the friend applies by May 22, 2024 and gets the card (terms apply). Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (on up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1X Points on other purchases.
Regular APR
See Pay Over Time APR
Earn 80,000 Membership Rewards® points
Recommended Credit
Good to Excellent
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Annual statement credits with Saks and Uber
Cons
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Two crossed lines that form an ‘X’.
Bonus categories leave something to be desired
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Two crossed lines that form an ‘X’.
One of the highest annual fees among premium travel cards
Product Details
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
$300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
$189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
$100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
$300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
$695 annual fee.
Terms Apply.
Citi Premier® Card
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4.1/5
Icon of check mark inside a promo stamp
It indicates a confirmed selection.
Perks
Earn 10x ThankYou® Points per dollar on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through 6/30/2024. Earn 3x ThankYou® points on restaurant, supermarket, gas station, air travel, and hotel purchases. Earn 1x ThankYou® points on all other purchases.
Regular APR
21.24% – 29.24% Variable
Earn 60,000 bonus ThankYou® points
Recommended Credit
Good to Excellent
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Strong bonus
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Generous bonus categories
Cons
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Two crossed lines that form an ‘X’.
Doesn’t offer much in the way of statement credits or other perks
con icon
Two crossed lines that form an ‘X’.
Citi ThankYou Rewards may not be as convenient as other points for US-based travelers
Insider’s Take
If you’re looking for an all-purpose travel credit card with strong rewards, many ways to use your points, and an annual fee under $100, the Citi Premier should be on your shortlist. Beyond the welcome bonus offer, the Citi Premier® Card offers great 3x earning categories that just about anyone can take advantage of — and the rewards it earns are incredibly flexible.
Citi Premier Card
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Capital One Venture X Rewards Credit Card
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
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A five pointed star
4.85/5
Icon of check mark inside a promo stamp
It indicates a confirmed selection.
Perks
Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases.
Regular APR
19.99% – 29.99% variable
Recommended Credit
Excellent
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Excellent welcome bonus and miles earning
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Premium perks including airport lounge access and credits for certain purchases
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Visa Infinite benefits including travel and shopping protections
Cons
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Two crossed lines that form an ‘X’.
High annual fee
con icon
Two crossed lines that form an ‘X’.
Annual travel credits only apply to Capital One Travel purchases
Product Details
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
Receive up to a $100 credit for Global Entry or TSA PreCheck®
Discover it® Cash Back
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
3.8/5
Icon of check mark inside a promo stamp
It indicates a confirmed selection.
Perks
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.
Intro APR
0% intro APR for 15 months on purchases and balance transfers
Regular APR
17.24% – 28.24% Variable
Earn Unlimited Cashback Match™
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
From April 1 to June 30, 2024, you can earn 5% cash back at gas stations & electric vehicle charging stations, home improvement stores, and public transit on up to $1,500 in purchases after enrollment, then 1%
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Discover will match your cash back earned at the end of your first account year
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No annual fee
Cons
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Two crossed lines that form an ‘X’.
Cap on how much bonus cash back you can earn each quarter
con icon
Two crossed lines that form an ‘X’.
If the quarterly categories aren’t convenient for you, you can earn more cash back with a different card
Product Details
Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases-automatically.
Redeem your rewards for cash at any time.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
No annual fee.
Terms and conditions apply.
The Hilton Honors American Express Business Card
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
3.4/5
Icon of check mark inside a promo stamp
It indicates a confirmed selection.
Perks
Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases. Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, earn 3X points thereafter.
Regular APR
20.99% – 29.99% Variable
Limited Time Offer: Earn 175,000 Hilton Honors bonus points
Recommended Credit
Good to Excellent
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Comes with complimentary Hilton Gold elite status
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Strong welcome bonus
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Up to $60 back each quarter on eligible Hilton purchases
Cons
con icon
Two crossed lines that form an ‘X’.
Benefits do not outweigh the annual fee for most business travelers
Product Details
Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 6/5.
Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
Enhanced: Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
New: Enjoy up to $240 back each year for eligible purchases made directly with Hilton.
Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
You may receive an upgrade to Hilton Honors Diamond status if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
New: Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required.
Terms apply.
Marriott Bonvoy Brilliant® American Express® Card
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4.3/5
Icon of check mark inside a promo stamp
It indicates a confirmed selection.
Perks
Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. Earn 3 points at Worldwide Restaurants and on flights booked directly with airlines. Earn 2 points on all other eligible purchases.
Regular APR
20.99% – 29.99% Variable
Earn 95,000 Marriott Bonvoy bonus points
Recommended Credit
Good to Excellent
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Annual statement credits can save you money on Marriott stays
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
You get a free reward night each year after your renewal month
Cons
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Two crossed lines that form an ‘X’.
High annual fee
con icon
Two crossed lines that form an ‘X’.
Other cards are more rewarding for earning points on your spending
Product Details
Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
$300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.
With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. 3X points at restaurants worldwide and on flights booked directly with airlines. 2X points on all other eligible purchases.
Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
$100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
Enroll in Priority Pass™ Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
No Foreign Transaction Fees on international purchases.
With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month’s wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
$650 Annual Fee.
Terms Apply.
Bilt Mastercard®
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4/5
Icon of check mark inside a promo stamp
It indicates a confirmed selection.
Perks
Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year. Earn 2x points on travel. Earn 3x points on dining. Earn 1x points on other purchases. Earn points when you make 5 transactions that post each statement period.
Recommended Credit
Good to Excellent
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Only credit card to offer rent payments to any landlord
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Excellent range of airline and hotel transfer partners through the Bilt App
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
World Elite Mastercard benefits and no annual fee
Cons
con icon
Two crossed lines that form an ‘X’.
If you’re not a renter, other cards offer better welcome bonuses and rewards
con icon
Two crossed lines that form an ‘X’.
Must make 5 transactions per statement period to earn points
Insider’s Take
The Bilt Mastercard® is the first credit card to offer up to 100,000 points in a calendar year rewards for paying rent without the transaction fee — and you can redeem your points for travel, merchandise, and more. While it now offers bonus points on dining and select travel, if you’re not a renter, you should consider other no-annual-fee rewards credit cards as well.
Bilt Mastercard®
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Product Details
$0 Annual Fee.
Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year.
2x points on travel.
3x points on dining.
1x points on other purchases.
Earn points when you make 5 transactions that post each statement period.
When renting at a Bilt Alliance property, you can choose to have your rent payments automatically reported by Bilt to the three major credit bureaus each month; Experian™, TransUnion™, and Equifax™.
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
3.9/5
Icon of check mark inside a promo stamp
It indicates a confirmed selection.
Perks
Earn 1.5-6% cash back on purchases
Annual Fee
$0 intro for the first year, then $95
Regular APR
18.74-28.74% Variable
Recommended Credit
Excellent/Good
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
High cash-back earning at popular retailers like Amazon, Target, and Walmart
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Ability to customize rewards depending on your spending habits
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Generous welcome bonus offer
Cons
con icon
Two crossed lines that form an ‘X’.
Annual fee after the first year, foreign transaction fees
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Two crossed lines that form an ‘X’.
6% and 3% cash back categories are capped at $1,500 in spending per quarter
con icon
Two crossed lines that form an ‘X’.
No intro 0% APR offer
Product Details
The information related to the U.S. Bank Shopper Cash Rewards™ Visa Signature® Card has been collected by Business Insider and has not been reviewed by the issuer.
$0 intro annual fee for the first year, then $95 a year
Earn $250 bonus after spending $2,000 in eligible purchases within the first 120 days of account opening
6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose
5.5% back on prepaid car and hotel reservations booked through the US Bank Rewards Center
3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category (like wholesale clubs, gas and EV charging stations, bills and utilities)
1.5% cash back on all other eligible purchases
Bank of America® Unlimited Cash Rewards Credit Card
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
3.9/5
Icon of check mark inside a promo stamp
It indicates a confirmed selection.
Perks
Earn unlimited 1.5% cash back on all purchases.
Intro APR
0% intro APR for the first 15 billing cycles on purchases and on any balance transfers made in the first 60 days
Regular APR
19.24% – 29.24% Variable
Earn a $200 online cash rewards bonus
Recommended Credit
Good to Excellent
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Decent welcome bonus
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Generous intro APR offer on purchases and balance transfers
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
You can earn up to 75% more rewards for your spending if you’re a Bank of America Preferred Rewards customer
Cons
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Two crossed lines that form an ‘X’.
3% foreign transaction fee
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Two crossed lines that form an ‘X’.
Other cards offer better travel and purchase benefits
Product Details
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn unlimited 1.5% cash back on all purchases.
If you’re a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
No annual fee.
No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% – 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
Contactless Cards – The security of a chip card, with the convenience of a tap.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Participating credit card programsMultiple credit card programs allow customers to pay for Amazon purchases using their rewards. The full list is below: Amazon Shop With Points Participating ProgramsLinking your card to AmazonWhile each of the programs listed below has its own points system, linking your rewards card to Amazon is the same process across the board. Here’s a step-by-step guide to account linking.After logging into your account on Amazon, click on “Accounts & Lists” under your name at the top-right corner of the page. Once that page opens up, navigate to the “Your Payments” section toward the bottom left of the page.
Amazon
From there, scroll down the sidebar of your wallet until you find the “Add a payment method” button. Follow the prompts to add your rewards credit card. Once that’s done, you can check your points balance on the Shop with Points account page to monitor your rewards programs. This is also the page you’ll use to ensure that your account is not set up to pay with points by default. Use Chase Points on AmazonWhen you redeem Chase Ultimate Rewards points with Amazon, you’ll receive a value of 0.8 cents per point. Still, if you plan to use your points through Amazon, your best bet is to simply make your purchase with an eligible Chase card and then redeem your points for a statement credit later at a rate of 1 cent each.Business Insider’s estimated value of Chase Ultimate Rewards points for travel: 1.8 cents eachValue when redeeming Chase points through Amazon: 0.8 cents eachValue when redeeming Chase points for cash back: 1 cent eachYou’ll earn points this way, and you’ll get the purchase protection included with Chase credit cards. Cards that earn Chase Ultimate Rewards include:To link your Chase Ultimate Rewards account with Amazon, click here. You’ll then simply log in to your Amazon account, link your Chase card, and apply your Ultimate Rewards points at checkout.Use Amex Points on AmazonBusiness Insider’s estimated value of Amex Membership Rewards points for travel: 1.8 cents eachValue when redeeming Amex points through Amazon: 0.7 cents eachValue when redeeming Amex points for cash back: 0.6 cents eachAmerican Express Membership Rewards offers a very low redemption rate of 0.7 cents each for Amazon purchases — and the points value when redeeming for statement credits is even lower. If you want to make purchases with your Amex points, consider using them to purchase an American Express gift card at a rate of 1 cent per point, and then use those gift cards to buy your items.You can earn Amex Membership Rewards points by opening and swiping cards like:You can link your Amex Membership Rewards account with Amazon by clicking here. You’ll log in to your Amazon account, link your eligible American Express card, and choose to apply your points to your order at checkout.Use Citi ThankYou Points on AmazonBusiness Insider’s estimated value of Citi ThankYou points for travel: 1.6 cents eachValue when redeeming Citi ThankYou points through Amazon: 0.8 cents eachValue when redeeming Citi ThankYou points for cash back: 0.5 to 1 cent eachPer Business Insider’s estimations, you’ll receive just half of the average Citi ThankYou points value when redeeming your rewards for shopping with Amazon. This is not the currency to collect if you intend to regularly use your points for online shopping.Citi issues credit cards like the Citi® Double Cash Card
and Citi Custom Cash℠ Card
which earn Citi ThankYou points you can use for travel, cash back, and more. Earning rewards on one of these cards and redeeming them for cash is your best route if you intend to use them for online shopping.Other Citi credit cards that earn ThankYou points include:Citi Premier® Card
— 60,000 bonus ThankYou® points after you spend $4,000 in purchases within the first three months of account openingCiti Rewards+® Card
— 20,000 bonus points after spending $1,500 in the first three months of account openingCiti Prestige® Card
(not available to new applicants)Click here to link your Citi ThankYou account to Amazon. Then just select your Citi ThankYou card as your payment method and choose to pay with pointsUse Capital One Miles on AmazonBusiness Insider’s estimated value of Capital One miles for travel: 1.7 cents eachValue when redeeming Capital One miles through Amazon: 0.8 cents eachValue when redeeming Capital One miles for cash back: 0.5 cents eachAgain, Capital One miles are best used for travel — not for Amazon purchases. You’ll receive less than half the average points value by redeeming them for shopping — a meager 0.8 cents each.Similar to Citi ThankYou points, Capital One issues cash-back cards, the rewards of which can be converted into Capital One miles — as long as you have a qualifying Capital One miles-earning card. Examples include the Capital One Savor Cash Rewards Credit Card†
and Capital One SavorOne Cash Rewards Credit Card.Capital One credit cards that earn miles directly include:You can link your Capital One miles account to Amazon by clicking here. After you enroll your qualifying Capital One card, you’ll see the option to pay with Capital One miles at checkout.Use Discover Rewards on AmazonBusiness Insider’s estimated value when redeeming Discover Rewards for travel: 1 cent eachValue when redeeming Discover Rewards through Amazon: 1 cent eachValue when redeeming Discover Rewards for cash back: 1 cent eachWhether you collect cash back with the Discover it® Cash Back or miles with the Discover it® Miles, you can redeem them directly through Amazon to pay for all or part of your cart.All Discover rewards are worth 1 cent each, whether you spend through Amazon or redeem for cash. Therefore, it’s more beneficial for you to make your purchase with the card and later request a statement credit instead of using your rewards for the purchase.This ensures you’ll earn rewards for your purchase — which is especially handy if you have the Discover it® Cash Back, as its rotating bonus categories sometimes include Amazon purchases (from April 1 to June 30, 2024, you can earn 5% cash back at gas stations & electric vehicle charging stations, home improvement stores, and public transit on up to $1,500 in purchases after enrollment, then 1%).Discover credit cards that earn rewards include:Click here to link your Discover Rewards with Amazon and then select Discover as the payment method at checkout. You’ll see the option to apply your cash back at that point.Use Hilton Points on AmazonBusiness Insider’s estimated value of Hilton points for travel: 0.5 cents eachValue when redeeming Hilton points through Amazon: 0.2 cents eachValue when redeeming Hilton points for cash back: N/AYou’d be hard-pressed to find a currency easier to earn than Hilton points. For example, The Hilton Honors American Express Business Card currently offers a welcome bonus of 175,000 Hilton Honors bonus points after you spend $8,000 in purchases on the card within the first six months of card membership (offer ends 06/05/24).You’ll even get 5x points on the first $100,000 spent on other purchases outside of eligible Hilton purchases each calendar year (then 3x points). However, the redemption rate of 0.2 cents per point means you’ll get a return of as little as 0.6% back on purchases. If you intend to use Hilton points to shop on Amazon, make a cash-back credit card your daily driver, instead.Other Hilton credit cards include:Use Marriott Points on AmazonBusiness Insider’s estimated value of Marriott points for travel: 0.7 cents eachValue when redeeming Marriott points through Amazon: Between 0.25 and 0.33 cents eachValue when redeeming Marriott points for cash back: N/AYou can’t use your Marriott points directly on the Amazon website as you can with the previous rewards currencies. However, if you navigate to Marriott Shop With Points, you can purchase an Amazon gift card with your points at the following rates:$25 gift card — 10,000 points$50 gift card — 17,500 points$100 gift card — 30,000 pointsIn other words, the most value you’ll get by using your points with Amazon is 0.33 cents each — less than half the average value you’ll receive by using your points for travel.You can earn points directly with the following Marriott Bonvoy credit cards:Marriott Bonvoy Brilliant® American Express® Card — 95,000 Marriott Bonvoy bonus points after you use your new card to make $6,000 in purchases within the first six months of card membershipMarriott Bonvoy Business® American Express® Card — three Free Night Awards, each with a redemption level of up to 50,000 points, after you use your new card to make $6,000 in eligible purchases within the first six months of card membershipMarriott Bonvoy Bevy™ American Express® Card — 85,000 Marriott Bonvoy bonus points after you use your new card to make $5,000 in purchases within the first six months of card membershipMarriott Bonvoy Bold® Credit Card
— 30,000 bonus points after you spend $1,000 on purchases in the first three months from account openingMarriott Bonvoy Boundless® Credit Card
— 5 Free Night Awards (each night valued up to 50,000 points) after you spend $3,000 on purchases in your first three months from your account openingMarriott Bonvoy Bountiful™ Card
— 85,000 bonus points after you spend $4,000 in purchases in your first three months from your account openingUse Bilt Points on AmazonBusiness Insider’s estimated value of Bilt Points for travel: 1.65 cents per pointValue when redeeming Bilt rewards points through Amazon: 0.7 cents per pointValue when redeeming Bilt rewards points for cash back: N/AYou can use Bilt Points directly through the Amazon website after enrolling your Bilt Mastercard® on Shop with Points. Then, when you checkout on Amazon, select the Bilt credit card and choose the number of points you’d like to apply to your order. You’ll only get around 0.7 cents per point when you redeem on Amazon, which isn’t the best rate but better than some of the other options on this list. However, you’ll get the most value out of your reward points when you transfer to airline and hotel partners. Click here to enroll your Bilt Mastercard® with Amazon. Use U.S. Bank Rewards at AmazonBusiness Insider’s estimated value when redeeming U.S. Bank FlexPerks/Altitude rewards points for travel: 1.5 cents per pointValue when redeeming U.S. Bank rewards through Amazon: 1 cent per pointValue when redeeming U.S. Bank rewards for cash back: 1 cent eachIt’s easy to redeem U.S. Bank rewards through Amazon.com checkout, and you’ll get a solid 1:1 rate. So if you have an eligible U.S. Bank card, and are looking to redeem rewards for Amazon purchases, you’ll get a fair value. However, redeeming for travel through the U.S. Bank portal is still a more valuable redemption option. That said, if your main objective is to redeem on Amazon anyway, you might as well get a cash-back card versus a points-earning card. The best U.S. Bank card option in this instance is the U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
, which can earn you 6% cash back at Amazon (when selected as one of two retail brand earning categories). You can earn U.S. Bank rewards on the following cards: U.S. Bank Altitude® Connect Visa Signature® Card
— 50,000 points after spending $2,000 in eligible purchases within the first 120 days from account openingU.S. Bank Altitude® Go Visa Signature® Card
— 20,000 bonus points after spending $1,000 in the first 90 days of account openingU.S. Bank Altitude® Reserve Visa Infinite® Card
— 50,000 points after you spend $4,500 on purchases in the first 90 days of account openingU.S. Bank FlexPerks® Gold American Express® Card
— 30,000 bonus FlexPoints after spending $2,000 in eligible purchases on the card in the first four months from account openingU.S. Bank Business Leverage® Visa Signature® Card — $750 in rewards when you spend $7,500 in eligible purchases on the card within the first 120 days of account openingU.S. Bank Business Triple Cash Rewards World Elite Mastercard®
— $500 cash back after spending $4,500 on purchases on the account holder’s card in the first 150 days of opening your accountClick here to enroll your card with Shop with Points.Use Bank of America Unlimited Cash Rewards at AmazonBusiness Insider’s estimated value when redeeming Bank of America rewards for travel: 1 cent eachValue when redeeming Bank of America rewards through Amazon: 1 cent eachValue when redeeming Bank of America rewards for cash back: 1 cent eachThe Bank of America® Unlimited Cash Rewards Credit Card is one of Business Insider’s picks for the best Bank of America credit cards, and the only Bank of America credit card eligible to be enrolled in Shop with Points. It has a no-frills cash-back program that offers a value of 1 cent per point. It’s a no-annual-fee card and earns unlimited 1.5% cash back on all purchases. New cardholders can earn $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days from account opening. Once your card is enrolled with Shop with Points, you’ll be able to view your eligible Bank of America point balance. Click here to enroll your Bank of America® Unlimited Cash Rewards Credit Card with Shop with Points.How to apply points to Amazon purchasesOnce your rewards card has been linked to Amazon, you can apply points at check-out quite easily.Redeeming points at checkoutFirst, navigate to your shopping cart page and click “Proceed to checkout.” Under the “Payment method” section, select your rewards credit card if it isn’t the default form of payment designated in your account. When you look through the list of connected credit and debit cards, you’ll see eligible rewards cards with the value of your points in Amazon credit listed below them. Adjusting points used for each purchaseSelect the card you want to use, then use the text field to enter the number of points you want to use toward your total balance. If you’re participating in one of Amazon’s frequent promotions for American Express Membership Rewards or Chase Ultimate Rewards, you can often trigger your discount or promotional cash back by paying with a single point. Maximizing the value of points on AmazonAs mentioned several times, you’ll rarely get good value from using your points on Amazon purchases. There are a few exceptions, such as when Amazon offers a generous discount or cash back from using a small number of points toward your purchases. The best way to determine the value of your points is by comparing them against Business Insider’s valuations. Our credit card experts have carefully calculated the value of each rewards system so you can tell if you’re getting a good, mediocre, or poor deal on your exchange. ConclusionThere are several options for smart shopping with credit card points on Amazon. Just keep an eye on each transaction to ensure that you’re getting the best value. And at all costs, make sure you don’t end up paying for your entire purchase with points by default. Shop With Points at Amazon frequently asked questions
Many major credit cards with rewards programs, such as those from American Express, Chase, and Citi, allow you to use points for Amazon purchases.
From your account on the Amazon website, navigate to “Accounts & Lists”, then “My Payments”, and follow the prompts to connect your credit card. An eligible card with convertible points will automatically offer the option to pay with points at checkout. You can choose how many points to use.
Yes, you can use points to cover the full cost of eligible purchases, or use a combination of points and another payment method.
The value of using points on Amazon can vary. It’s important to compare the redemption value of using points on Amazon to other redemption options available through your credit card rewards program.
Most items sold directly by Amazon and fulfilled by Amazon are eligible for purchase with points, but there may be restrictions on some products or categories.
Paying with points at Amazon is almost never as good a deal as other redemptions. You won’t receive outsized value for your rewards, and the return rate you’ll get is significantly below what you can expect if you use them for travel. A big exception is the aforementioned promotions that offer a significant discount for using just a single point.
Amazon promotional discounts for shopping with points usually come to your email. You can also search online for discounts using a specific rewards currency. These offers are usually targeted, so if you haven’t received an email with a link to enroll, you may be out of luck.
Joseph Hostetler, CEPF
Credit cards reporter
Tessa Campbell
Junior Investing Reporter
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