Earn 6% cash back on Prime Day purchases with this credit card

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The Amazon Prime Store Card* is one of many Amazon credit cards. This one works most like a traditional retailer credit card, where you’re limited to making purchases and earning rewards within Amazon’s own ecosystem – like Amazon.com, Amazon Business, and AWS – but earning probably worth it if you’re a frequent customer.

Besides high daily rewards on Amazon, it’s the only card to offer special rewards and fundraising promotions specifically for First day. If you’re looking to maximize your savings during the retailer’s big sale event, which falls on July 12-13 this year, this card is your best bet.

While this the credit card has no annual fee, you’ll need to have an Amazon Prime membership ($139 per year) to apply and take advantage of Prime Day deals. Below, we go over the promotions and limitations of this card’s rewards, welcome bonuses, and funding options, and show you a few other cards you might consider instead.

In this article

Introductory offerGet $60 Amazon Gift Card

APR26.74% variable

Intro Purchase APRN / A

Recommended credit Excellent/Good Credit

Reward rate
  • Get 5% back on Amazon with an eligible Prime membership.

Annual fees$0

  • Get 5% back on Amazon with an eligible Prime membership.

Awards

You will be able to earn the top 5% reward rate for purchases made on Amazon.com and its suite of brands throughout the year. During Prime Day, you’ll earn 6% cash back. No other credit card offers a specific Prime Day boost, and you’ll have limited-time opportunities to earn up to 20% cash back on select inventory and rotating categories at Amazon. You can redeem your earned rewards as savings on your Amazon purchases or as statement credits.

While you can’t earn rewards on non-Amazon purchases, here’s a full list of brands where you can earn Amazon rewards with the Amazon Prime Store Card:

  • Amazon.co.uk
  • Amazon Bookstore
  • Amazon Company
  • Amazon fees
  • Amazon Go, AWS
  • Amazon payment
  • Amazon’s 4-Star Stores
  • Alexa Skills
  • Audible
  • Audible.com
  • Comixology.com
  • Woot.com

welcome bonus

Instead of having to meet a certain spending threshold to earn this bonus like most credit card welcome bonuses, Amazon gives you a $60 gift card upon account approval. You can get bigger welcome bonuses elsewhere, even in Amazon’s own wallet, but you usually won’t earn welcome bonuses instantly like you do with the Amazon Prime Store Card.

Interest-free financing

As with most co-branded retailer credit cards, you can opt for a financing plan on qualifying Amazon purchases instead of cash back. The Amazon Prime Store Card is even offering special finance offers during Prime Day this year. Here are the 0% funding timelines and associated minimum spend thresholds:

Number of equal monthly payments Minimum eligible regular purchase Prime Day Special, from June 27 to July 13

6 months

$150

$50

12 months

$600

$300

24months

Select purchases

Select purchases

Otherwise, your standard variable APR will be 26.74%.

If you are particularly interested in this card for its fundraising potential, a 0% Introductory APR Credit Card may offer longer initial funding terms and allow you to shop beyond Amazon.com. However, frequent Amazon shoppers might be better off with the Amazon Prime Store Card, as it offers interest-free recurring financing rather than just an initial promotional period.

Other Cards to Consider

Amazon Prime Rewards Visa Signature Card

The Amazon Prime Rewards Visa Signature Card* offers comparable Amazon rewards to the Prime Store Card, but it also extends beyond that as a regular credit card outside of Amazon businesses. You’ll earn 2% cash back at gas stations, restaurants, and pharmacies, plus 1% on everything else. There are no Prime Day promotions, but there are also no foreign transaction fees, so you can travel with this card without incurring any additional costs. Keep in mind that you’ll still need an Amazon Prime membership to get this card.

For more details see our Amazon Prime Rewards Visa Signature Card Review.

Bank of America® Custom Cash Rewards Credit Card

While you may not be able to earn such high cash back rates on Amazon with the Bank of America® Customized Cash Rewards credit card, you will be able to apply the flagship rewards rate to online purchases beyond Amazon. You earn 3% cash back on your chosen eligible spend category (up to $2,500 of combined choice category/grocery/wholesale club quarterly purchases, then 1%). Shopping online is one of the options, along with gas, restaurants, travel, pharmacies, or home improvement and furnishings. You can also take advantage of the Introductory APR to finance purchases.

FAQs

Do you need a Prime membership to buy on Amazon?

You don’t need a Prime membership to shop on Amazon, though Prime members get free and faster shipping on millions of items, plus other benefits. You need a Prime membership to apply for the Amazon Prime Rewards Visa Signature Card, as well as the Amazon Prime Store Card, but there are non-Prime equivalents for both cards.

What does an Amazon Prime subscription get you?

With Amazon Prime, you get member benefits like free two-day, one-day, and same-day shipping on millions of items, access to Prime Music and Prime Video streaming services, and APR funding at 0% with Affirm. Prime membership also unlocks better credit card perks for a handful of Amazon deals and provides access to special Prime Day discounts. Prime membership costs $139 per year or $14.99 per month.

How many Amazon credit cards are there?

Amazon offers a plethora of credit cards for a variety of needs. They understand:

  • Amazon Prime Rewards Visa Signature Card
  • Amazon Rewards Visa Signature Card (for non-Prime members)
  • Amazon Prime Store Card
  • Amazon Store Card (for non-Prime members)
  • American Express Amazon Business Prime Card
  • Amazon Business American American Express Card (for non-Prime members)
  • Amazon Prime Secure Card
  • Amazon Secured Card (for non-Prime members)

Our approach

CNET reviews the cards which are the most in demand and offer the best benefits. We go through the fine print so there are no surprises when you open an account. We find the key factors that make a card stand out and compare them to other top cards. This way, readers can opt for a different card with similar functionality if our choice doesn’t suit them. Our opinions are regularly checked and updated to incorporate new recommendations, as well as to reflect changes in offers and the market.

* All Amazon Prime Store Card and Amazon Prime Rewards Visa Signature Card information has been independently collected by CNET and has not been reviewed by the issuer.

Editorial content on this page is based solely on objective, independent assessments by our editors and is not influenced by advertising or partnerships. It was not supplied or commissioned by a third party. However, we may receive compensation when you click on links to products or services offered by our partners.

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