- You can significantly reduce your shopping bill by redeeming credit card points on Amazon.
- 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 for Amazon shopping
Amazon 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.
Watch for promotional discounts using points
We 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.
Here's everything you need to know about the benefits of using points for Amazon purchases.
Eligible credit cards for Amazon points use
$95
N/A
20.49% - 27.49% Variable
Earn 60,000 bonus points
Good to Excellent
- High intro bonus offer starts you off with lots of points
- Strong travel coverage
- Doesn't offer a Global Entry/TSA PreCheck application fee credit
If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.
Sapphire Preferred Card- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- 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, 60,000 points are worth $750 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, 2027.
- Member FDIC
$695
N/A
See Pay Over Time APR
Earn 80,000 Membership Rewards® points
Good to Excellent
- Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
- Statement credits with Saks and Uber (enrollment required)
- Bonus categories leave something to be desired
- One of the highest annual fees among premium travel cards
If you want as many premium travel perks as possible, The Platinum Card® from American Express could be the right card for you. The annual fee is high, but you get a long list of benefits such as airport lounge access, travel statement credits, and more.
Amex Platinum Card- Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
- 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 through American Express Travel using 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.
- With American Express Global Lounge Collection® you can enjoy access to over 1,400 airport lounges globally, including The Centurion® Lounge, Unlimited Delta Sky Club® Access when flying an eligible Delta flight, Escape Lounges, Lufthansa Lounges when flying Lufthansa Group, Plaza Premium, Priority Pass™ Select Lounges, & Additional Global Lounge Collection Partner Lounges subject to visit limitations. Lounges may have their own rules, like additional access rules and guest fees, and for Priority Pass Select, you need to enroll and there are unlimited airport lounge visits for Card Members. With Delta Sky Club Access, Card Members will receive 10 Visits to the Delta Sky Club to be used from February 1 until January 31 of the next calendar year and can unlock Unlimited Delta Sky Club Access by spending $75,000 in eligible purchases on their Card in a calendar year. To find a lounge, visit the membership section in the American Express® App or visit http://www.americanexpress.com/findalounge#/loungefinder.
- $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
- $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: Platinum Card® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
- $199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
- Receive either a $120 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.
- 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.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
$95
N/A
20.24% - 28.24% Variable
Earn 75,000 bonus points
Good to Excellent
- Earn 3 points on most travel, restaurants, gas/EV charging, and supermarkets
- Earn 10 points on hotels, rental cars, and attractions booked via Citi Travel
- $100 annual hotel credit on a single stay of $500 or more
- No foreign transaction fees
- Trip delay/interruption benefits and lost/damaged baggage coverage
- Has an annual fee
- Citi Travel rates often are higher than retail cost of travel
$395
N/A
19.99% - 29.24% variable
Earn 75,000 bonus miles
Excellent
- Excellent welcome bonus and miles earning
- Premium perks including airport lounge access and credits for certain purchases
- Visa Infinite benefits including travel and shopping protections
- High annual fee
- Annual travel credits only apply to Capital One Travel purchases
The Capital One Venture X Rewards Credit Card is one of the best credit cards for frequent travelers, with top-notch benefits and a wide range of built-in protections. It comes with a generous welcome bonus and credits that can help offset the annual fee — which is much lower than similar premium cards.
Capital One Venture X- 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 and vacation rentals booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations 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
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
$0
0% intro APR for 15 months on purchases and balance transfers
18.24% - 27.24% Variable APR
Earn Unlimited Cashback Match®
Good to Excellent
- From January 1 to March 31, 2025, earn 5% cash back at restaurants, home improvement stores, and select streaming services on up to $1,500 in purchases after enrollment, then 1%
- Discover will match your cash back earned at the end of your first account year
- No annual fee
- Cap on how much bonus cash back you can earn each quarter
- If the quarterly categories aren't convenient for you, you can earn more cash back with a different card
The Discover it® Cash Back is one of the best credit cards that offers 5% back on popular rotating categories up to a spending limit. Your rewards are matched by Discover after the first 12 months, and the card has no annual fee.
Discover it Cash Back- 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.
- Redeem your rewards for cash at any time.
- Apply and you could get a decision in as little as 60 seconds. No annual fee.
- Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
- 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. Activate by mobile app for free.
- Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
$195
N/A
19.99% - 28.99% Variable
Limited Time Offer: Earn 175,000 Hilton Honors bonus points
Good to Excellent
- Comes with complimentary Hilton Gold elite status
- Strong welcome bonus
- Up to $60 back each quarter on eligible Hilton purchases
- Benefits do not outweigh the annual fee for most business travelers
Small business owners who like staying with Hilton can get automatic Hilton Gold status and up to $60 each quarter in statement credits for eligible Hilton purchases.
Hilton Honors Amex Business Card- 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 4/29/2025.
- 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, 3X points thereafter.
- Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
- 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.
- You may receive an upgrade to Hilton Honors Diamond status through the end of the calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
- As a Hilton Honors American Express Business Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
- Terms apply.
$650
N/A
20.24% - 29.24% Variable
Earn 185,000 Marriott Bonvoy® bonus points
Good to Excellent
- Annual statement credits can save you money on Marriott stays
- You get a free reward night each year after your renewal month
- High annual fee
- Other cards are more rewarding for earning points on your spending
If you're loyal to Marriott, the Marriott Bonvoy Brilliant® American Express® Card can help you save money and improve your stays, thanks to automatic Marriott Platinum Elite status and lots of opportunities to earn additional points.
Marriott Bonvoy Brilliant® American Express® Card- Earn 185,000 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®. Earn 3X Marriott Bonvoy® points at restaurants worldwide and on flights booked directly with airlines and 2X Marriott Bonvoy® points on all other eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card.
- 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 Brilliant 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 Marriott, 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 ($120) 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.
- 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.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
$0
N/A
See Terms
N/A
Good to Excellent
- Only credit card to offer rent payments to any landlord
- Excellent range of airline and hotel transfer partners through the Bilt App
- World Elite Mastercard benefits and no annual fee
- If you’re not a renter, other cards offer better welcome bonuses and rewards
- Must make 5 transactions per statement period to earn points
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®- $0 Annual Fee
- Earn 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year
- Earns 3x points on dining
- Earn 2x points on travel
- Earn 1x points on other purchases
- Earn double points on the first of each month (excluding rent, up to 1,000 bonus points)
- Use the card 5 times each statement period to earn points
- Earn up to 5x Bilt points on Lyft rides when you link your Bilt account and pay with your Bilt card
- Point redemptions include airlines, hotels, future rent payments, statement credits, toward a down payment on a home, etc.
- Select "Apply Now" to learn more about the product features, terms, and conditions
$0 intro for the first year, then $95
18.74 - 28.74% Variable
Excellent/Good
- High cash-back earning at popular retailers like Amazon, Target, and Walmart
- Ability to customize rewards depending on your spending habits
- Generous welcome bonus offer
- Annual fee after the first year, foreign transaction fees
- 6% and 3% cash back categories are capped at $1,500 in spending per quarter
- No intro 0% APR offer
The U.S. Bank Shopper Cash Rewards® Visa Signature® Card is a terrific card for almost any household, but if you typically spend more than $1,500 per quarter on retail, you may do better with a different cash-back card.
U.S. Bank Shopper Cash Rewards- 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
$0
0% intro APR for the first 15 billing cycles on purchases and on any balance transfers made in the first 60 days
19.24% - 29.24% Variable
Earn a $200 online cash rewards bonus
Good to Excellent
- Decent welcome bonus
- Generous intro APR offer on purchases and balance transfers
- You can earn up to 75% more rewards for your spending if you’re a Bank of America Preferred Rewards customer
- 3% foreign transaction fee
- Other cards offer better travel and purchase benefits
The Bank of America® Unlimited Cash Rewards Credit Card is one of the best Bank of America credit cards for those looking for no-annual-fee card that earns a high rate of cash back on all purchases — and if you're a Bank of America Preferred Rewards customer, it has the potential to be even more lucrative. With a strong welcome bonus and introductory APR offer, it's ideal for those who prefer a straightforward cash-back card.
Bank of America Unlimited Cash Rewards Card- $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 programs
Multiple credit card programs let you pay for Amazon shopping using your rewards. The full list is below:
Amazon Shop With Points Participating Programs
- Chase Ultimate Rewards Points
- Amex Membership Rewards Points
- Citi ThankYou Points
- Capital One Miles
- Discover Rewards
- Bilt Rewards Points
- U.S. Bank Rewards
- Bank of America Rewards
Linking your card to Amazon
While 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.
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 Amazon
When 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.
- Chase Ultimate Rewards points value when redeemed for travel: 1.8 cents each
- Value when redeemed through Amazon: 0.8 cents each
- Value when redeemed for cash back: 1 cent each
You'll earn points this way, and you'll get the purchase protection included with Chase credit cards.
Cards that earn Chase Ultimate Rewards include:
- Chase Sapphire Preferred® Card — 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
- Chase Sapphire Reserve® — 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
- Ink Business Preferred® Credit Card — 90,000 bonus points after spending $8,000 on purchases in the first three months from account opening
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 Amazon
- Amex Membership Rewards points value when redeemed for travel: 1.8 cents each
- Value when redeemed through Amazon: 0.7 cents each
- Value when redeemed for cash back: 0.6 cents each
American 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:
- The Platinum Card® from American Express — 80,000 Membership Rewards® points after you spend $8,000 on eligible purchases on your new card in your first six months of card membership
- American Express® Gold Card — 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new card in your first six months of card membership
- The Business Platinum Card® from American Express — 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the card within the first three months of card membership
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 Amazon
- Citi ThankYou points value when redeemed for travel: 1.6 cents each
- Value when redeemed through Amazon: 0.8 cents each
- Value when redeemed for cash back: 0.5 to 1 cent each
Per 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 Strata Premier℠ Card — 75,000 bonus points after spending $4,000 in the first three months of account opening
- Citi Rewards+® Card — 20,000 bonus points after spending $1,500 in the first three months of account opening
- Citi 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 points
Use Capital One Miles on Amazon
- Capital One miles value when redeemed for travel: 1.7 cents each
- Value when redeemed through Amazon: 0.8 cents each
- Value when redeemed for cash back: 0.5 cents each
Again, 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, the rewards from Capital One cash-back cards, like the Capital One Savor Cash Rewards Credit Card, can be converted into Capital One miles — as long as you have a qualifying Capital One miles-earning card.
Capital One credit cards that earn miles directly include:
- Capital One Venture Rewards Credit Card — 75,000 miles once you spend $4,000 on purchases within the first three months of account opening, plus $250 to use on Capital One Travel in your first cardholder year
- Capital One Venture X Rewards Credit Card — 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening,
- Capital One Spark Miles for Business† — 50,000 miles once you spend $4,500 on purchases within the first three months from account opening
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 Amazon
- Discover Rewards value when redeemed for travel: 1 cent each
- Value when redeemed through Amazon: 1 cent each
- Value when redeemed for cash back: 1 cent each
Whether 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 January 1 to March 31, 2025, earn 5% cash back at restaurants, home improvement stores, and select streaming services on up to $1,500 in purchases after enrollment, then 1%).
Discover credit cards that earn rewards include:
- Discover it® Miles
- Discover it® Cash Back
- Discover it® Student Cash Back
- Discover it® Chrome
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 Amazon
- Hilton points value when redeemed for travel: 0.5 cents each
- Value when redeemed through Amazon: 0.2 cents each
- Value when redeemed for cash back: N/A
You'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 4/29/2025).
You'll even get 5 points on the first $100,000 spent on other purchases outside of eligible Hilton purchases each calendar year (then 3 points). Terms apply.
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:
- Hilton Honors American Express Aspire Card — 175,000 Hilton Honors bonus points after you spend $6,000 in purchases on the card within your first six months of card membership (offer ends 4/29/2025)
- Hilton Honors American Express Surpass® Card — 130,000 Hilton Honors bonus points plus a Free Night Reward after you spend $3,000 in purchases on the card in your first six months of card membership (offer ends 4/29/2025)
- Hilton Honors American Express Card — 70,000 Hilton Honors bonus points plus a Free Night Reward after you spend $2,000 in purchases on the card in your first six months of card membership (offer ends 4/29/2025)
Use Marriott Points on Amazon
- Marriott points value when redeemed for travel: 0.7 cents each
- Value when redeemed through Amazon: Between 0.25 and 0.33 cents each
- Value when redeemed for cash back: N/A
You 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 points
In 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 — 185,000 Marriott Bonvoy® bonus points after you use your new card to make $6,000 in purchases within the first six months of card membership
- Marriott Bonvoy Business® American Express® Card — 3 Free Night Awards, each with a redemption level of up to 50,000 points at hotels participating in Marriott Bonvoy®, after you use your new card to make $6,000 in eligible purchases within the first six months of card membership
- Marriott Bonvoy Bevy™ American Express® Card — 155,000 Marriott Bonvoy® bonus points after you use your new card to make $5,000 in purchases within the first six months of card membership
- Marriott Bonvoy Bold® Credit Card — 30,000 bonus points after you spend $1,000 on purchases in the first three months from account opening
- Marriott Bonvoy Boundless® Credit Card — 3 Free Night Awards, each valued up to 50,000 points, after spending $3,000 on purchases in your first three months from account opening
- Marriott Bonvoy Bountiful™ Card — 85,000 bonus points after you spend $4,000 in purchases in your first three months from your account opening
Use Bilt Points on Amazon
- Bilt Points value when redeemed for travel: 1.65 cents per point
- Value when redeemed through Amazon: 0.7 cents per point
- Value when redeemed for cash back: N/A
You 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 Amazon
- U.S. Bank FlexPerks/Altitude rewards points value when redeemed for travel: 1.5 cents per point
- Value when redeemed through Amazon: 1 cent per point
- Value when redeemed for cash back: 1 cent each
It'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 — 20,000 bonus points after spending $1,000 in eligible net purchases in the first 90 days from account opening
- U.S. Bank Altitude® Go Visa Signature® Card — 20,000 bonus points after spending $1,000 in eligible net purchases in the first 90 days of account opening
- U.S. Bank Altitude® Reserve Visa Infinite® Card — 50,000 points after you spend $4,500 on purchases in the first 90 days of account opening
- U.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 opening
- U.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 opening
- U.S. Bank Triple Cash Rewards Visa® Business Card — $750 cash back after you spend $6,000 or more on purchases to the Account Owner’s Card within 180 days from account opening
Click here to enroll your card with Shop with Points.
Use Bank of America Unlimited Cash Rewards at Amazon
- Bank of America rewards value when redeemed for travel: 1 cent each
- Value when redeemed through Amazon: 1 cent each
- Value when redeemed for cash back: 1 cent each
The 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 purchases
Once your rewards card has been linked to Amazon, you can apply points at check-out quite easily.
Redeeming points at checkout
First, 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 purchase
Select 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 Amazon
As 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.
Conclusion
There 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
Which credit cards allow you to use points on Amazon?
Many major credit cards with rewards programs, such as those from American Express, Chase, and Citi, allow you to use points for Amazon purchases.
How do I link my credit card rewards account to Amazon?
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.
Can I use points to cover the entire purchase amount on Amazon?
Yes, you can use points to cover the full cost of eligible purchases, or use a combination of points and another payment method.
Is it always a good value to use credit card points on Amazon?
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.
Can I use points for all items on Amazon?
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.
Is Amazon Shop With Points a good deal?
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.
What's the best card for shopping on Amazon?
The best credit card for shopping on Amazon depends on the types of rewards you want to earn. For many folks, it's better to focus on cash-back credit cards where your rewards will go further towards offsetting your cart. The best credit cards for Amazon purchases include the Prime Visa, Citi® Double Cash Card, and Blue Cash Everyday® Card from American Express.
How do I find discount promotions for using points at Amazon?
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.
For rates and fees of The Platinum Card® from American Express, please click here.
For rates and fees of The Hilton Honors American Express Business Card, please click here.
For rates and fees of the Marriott Bonvoy Brilliant® American Express® Card, please click here.
For rewards and benefits of the Bilt Mastercard, please click here.
Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
**Enrollment required.
***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
