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“How to Use the Amazon Credit Card to Earn Rewards and Save Money”

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Introduction: If you’re an Amazon shopper, you might be interested in the Amazon Credit Card. This credit card allows you to earn rewards on your purchases, which can then be redeemed for a variety of benefits, including cash back, statement credits, and even Amazon gift cards. In this article, we’ll explore how to use the Amazon Credit to earn rewards and save money.

Understanding the Amazon Credit Card:

The Amazon Credit Card is offered by Chase Bank and comes in two different versions: the Amazon Rewards Visa Signature Card and the Amazon Prime Rewards Visa Signature Card. The primary difference between the two is that the Prime version offers higher rewards rates and additional benefits, but requires a Prime membership.

Earning Rewards:

One of the primary benefits of the Amazon Credit Card is the rewards program. With both versions of the card, you can earn 3% back on Amazon purchases, 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases. With the Prime version, you can earn even higher rewards rates, such as 5% back on Amazon purchases and Whole Foods Market purchases.

Redeeming Rewards:

Once you’ve earned rewards with your Amazon Credit Card, you can redeem them for a variety of benefits. One popular option is to use your rewards for cash back, which can be deposited into your bank account or used to pay off your credit card balance. You can also redeem your rewards for statement credits, which can help reduce your overall credit card balance. Additionally, you can use your rewards to purchase Amazon gift cards, which can be used to buy anything on the site.

Maximizing Your Rewards:

To maximize your rewards with the Amazon Credit Card, it’s important to use it strategically. This means using the card for purchases in the bonus categories, such as Amazon purchases and restaurants. You can also take advantage of promotional offers, such as bonus rewards for signing up or for making a certain amount of purchases within a set timeframe.

Additional Benefits:

In addition to the rewards program, the Amazon Credit Card also offers a variety of other benefits. These can include things like extended warranty protection, purchase protection, and travel and emergency assistance. The Prime version of the card also offers additional benefits, such as free two-day shipping on Amazon purchases, access to streaming of movies and TV shows, and more.


The Amazon Credit Card can be a great way to earn rewards and save money on your purchases. By using the card strategically, you can earn cash back, statement credits, and Amazon gift cards, while also taking advantage of additional benefits. Whether you’re a frequent Amazon shopper or just looking to earn rewards on your everyday purchases, the Amazon Credit Card can be a valuable tool for your wallet.

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