What Is the Best Credit Card for Amazon in June 2026?
Updated June 2026 picks for this store — compare reward rates, caps, annual fees, and issuer terms before you apply.
Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What are the top picks for June 2026?
Prime Visa
Best for eligible Prime members who shop often at Amazon.com, Amazon Fresh, and Whole Foods Market
- Rewards
- Current Chase materials list unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel with an eligible Prime membership, plus 2% back at gas stations, restaurants, and local transit and commuting, and 1% elsewhere, with no annual fee.
- Annual fee
- $0
Pros
- Highest straightforward Amazon rate for eligible Prime members under current Chase materials.
- Also covers Amazon Fresh and Whole Foods Market in the main 5% category.
- No annual fee and no foreign transaction fees under current Chase materials.
Cons
- The headline 5% rate depends on having an eligible Prime membership.
- It is less compelling if you rarely shop at Amazon or Whole Foods.
- Amazon Pay, third-party merchants, gift cards, and special financing choices need separate term checks.
Issuer terms are authoritative. Card links may point to issuer pages or approved partners when available.
- Rewards
- Current Chase materials list 3% back at Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel, 2% back at gas stations, restaurants, and local transit and commuting, and 1% elsewhere, with no annual fee.
- Annual fee
- $0
Pros
- Clear Amazon-specific option when you do not have eligible Prime membership.
- Can beat a 2% flat-rate card on qualifying Amazon and Whole Foods purchases.
- No annual fee under current Chase materials.
Cons
- Lower Amazon rate than Prime Visa for eligible Prime members.
- A capped online-shopping card can match 3% when the purchase qualifies and cap room remains.
- The card is still most useful if Amazon and Whole Foods are recurring purchases.
Issuer terms are authoritative. Card links may point to issuer pages or approved partners when available.
Bank of America Customized Cash Rewards
Best for Amazon.com orders when online shopping is selected and the quarterly cap has room
- Rewards
- Bank of America lists 3% cash back in a chosen category such as online shopping, 2% at grocery stores and wholesale clubs, and 1% elsewhere, with the 3% and 2% rewards capped on the first $2,500 in combined purchases each quarter.
- Annual fee
- $0
Pros
- Bank of America's official online-shopping examples include Amazon.
- Choice category can be changed monthly if another category becomes more useful.
- Useful beyond Amazon when several online merchants qualify.
Cons
- The 3% and 2% rewards share a quarterly cap before dropping to 1%.
- Phone, mail, in-person, and online orders paid in store do not qualify as online shopping.
- Prime Visa can be stronger for eligible Prime members buying directly from Amazon.
Issuer terms are authoritative. Card links may point to issuer pages or approved partners when available.
Wells Fargo Active Cash Card
Best simple fallback when Amazon category rules, caps, or checkout paths are unclear
- Rewards
- Wells Fargo lists unlimited 2% cash rewards on purchases with no categories to track and a $0 annual fee.
- Annual fee
- $0
Pros
- Simple 2% benchmark for marketplace, third-party, and uncertain purchases.
- No Prime requirement, selected category, or quarterly activation.
- Useful as an everyday fallback outside Amazon.
Cons
- Lower ceiling than qualifying 3% or 5% Amazon-specific rewards.
- Does not add Amazon-specific redemption, Prime, or Whole Foods benefits.
- Some nonpurchase transactions, cash equivalents, fees, and excluded activity do not earn rewards under Wells Fargo terms.
Issuer terms are authoritative. Card links may point to issuer pages or approved partners when available.
June 2026 update: This month’s picks reflect Madeen’s catalog snapshot 2026-05-01. For the evergreen guide, see which credit card for amazon purchases. Browse programmatic rankings for full catalog coverage.
What are the best credit card picks for June 2026?
For June 2026, the best card depends on what you already carry, whether the purchase codes in the bonus category you expect, and whether an annual fee is worth it for your spend level. Madeen’s catalog tracks 3,944 U.S. cards — use the picks below as starting points, then confirm issuer terms before you apply.
What changed since last month?
This is the first monthly installment in this series — there is no last month spoke to compare yet. Card picks below use Madeen’s latest catalog snapshot.
Best cards for amazon in June 2026
Amazon purchases look simple until the checkout path changes. A household may buy from Amazon.com, Amazon Fresh, Whole Foods Market, a marketplace seller, Subscribe & Save, an Amazon Pay merchant, a gift-card page, or a special-financing offer, and those details can change the best card.
The short version: eligible Prime members should start with Prime Visa for qualifying Amazon.com, Amazon Fresh, and Whole Foods purchases. Non-Prime shoppers should compare Amazon Visa, a selected online-shopping card, and a 2% flat-rate fallback. Use the fallback when Amazon Pay, gift cards, third-party merchants, caps, or special financing make the reward path unclear.
Which credit card should you use for Amazon purchases?
Use the card that matches your Amazon membership and checkout path. Prime Visa is the cleanest starting point for eligible Prime members. Amazon Visa is the Amazon-specific alternative for non-Prime shoppers. A broad online-shopping card can compete when the order qualifies and the cap has room.
Madeen’s current in-app fallback catalog shows why Amazon needs a narrower answer than “use an online shopping card.” The catalog has 3,944 card records and 3,944 active personal cards. Five active personal records mention Amazon or Whole Foods, nine active personal records use online-shopping language, and 328 active personal cards earn at least 2x or 2% on base purchases.
That pattern matters. Amazon-specific cards are uncommon, online-shopping categories are broader but capped or conditional, and flat-rate cards are plentiful. The best answer depends on whether you are a Prime member, whether the merchant is Amazon or a third party, and whether a category cap or special checkout option changes the return.
What are the best credit cards for Amazon purchases right now?
The best Amazon card depends on whether you want Prime-specific rewards, a non-Prime Amazon card, a flexible online-shopping category, or a no-guessing fallback:
- Prime Visa: best for eligible Prime members who frequently buy at Amazon.com, Amazon Fresh, and Whole Foods Market.
- Amazon Visa: best for non-Prime shoppers who still want an Amazon-specific card.
- Bank of America Customized Cash Rewards: best when online shopping is selected and the quarterly cap has room.
- Wells Fargo Active Cash Card: best fallback when the Amazon purchase path is unclear.
Issuer terms are authoritative. Before applying for a card or moving a large Amazon order, verify the current annual fee, reward rate, Prime requirement, Amazon.com and Whole Foods treatment, Amazon Pay rules, cap, financing option, gift-card exclusion, and whether the purchase is made directly with Amazon or through another merchant.
When is Prime Visa the best Amazon card?
Prime Visa is best when you have an eligible Prime membership and the purchase qualifies under Chase’s Amazon terms. Current Chase materials list unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel for eligible Prime members, plus 2% back at gas stations, restaurants, and local transit and commuting, and 1% elsewhere.
That makes Prime Visa the straightforward benchmark for frequent Amazon households. If you buy household basics, groceries through Amazon Fresh, Whole Foods runs, electronics, school supplies, gifts, and subscriptions through Amazon, a clear 5% category can beat most general online-shopping cards.
The Prime requirement is the first caveat. If you do not keep eligible Prime membership, the Amazon-specific comparison changes. The second caveat is that the card’s value is concentrated around Amazon and Whole Foods. If Amazon is only an occasional purchase, a flexible card you already carry may be enough.
What should non-Prime shoppers use at Amazon?
Non-Prime shoppers should compare Amazon
…
See Madeen methodology for how effective rates are calculated.
Related encyclopedia topics
Frequently asked questions
Which credit card should I use for Amazon purchases?
Prime members should usually start with Prime Visa for qualifying Amazon.com, Amazon Fresh, and Whole Foods purchases. Non-Prime shoppers can compare Amazon Visa, a capped online-shopping card, and a 2% flat-rate card. The best answer depends on Prime status, cap room, merchant coding, and the exact checkout path.
Is Prime Visa better than an online-shopping credit card?
Prime Visa is usually stronger for eligible Prime members because current Chase materials list 5% back at Amazon.com, Amazon Fresh, and Whole Foods Market. A 3% online-shopping card can still make sense if you do not want an Amazon-specific card or if you use the category across many online merchants.
What card should non-Prime shoppers use at Amazon?
Non-Prime shoppers should compare Amazon Visa's Amazon-specific 3% rate with any online-shopping category card they already carry and a reliable 2% flat-rate fallback. The best card is the one that still wins after caps, exclusions, and merchant coding.
Do Amazon Pay purchases earn the same rewards as Amazon.com purchases?
Not automatically. Amazon Pay can involve a different merchant and payment flow. Amazon's Amazon Pay page says purchases made with Amazon Store Card or Prime Store Card through Amazon Pay are not eligible to earn reward points, so check the exact card and checkout terms.
Can Madeen choose an Amazon card without bank login?
Madeen can compare local reward rules for cards you select without bank login or card numbers, but Prime status, Amazon Pay, Whole Foods, category caps, special financing, and issuer terms still decide the final best card.
What is the best credit card for Prime Day?
Eligible Prime members should start with Prime Visa for qualifying Amazon.com orders during Prime Day. Non-Prime shoppers should compare Amazon Visa, a selected online-shopping card with cap room, and a 2% flat-rate fallback. Stack [shopping portals](/blog/shopping-portal-vs-card-rewards/) only when the portal rate beats your card after exclusions.
Sources and notes
- Madeen analysis Madeen card catalog Amazon, online-shopping, and flat-rate analysis - Madeen Accessed 2026-05-25.
- Issuer terms Prime Visa Credit Card - Chase Accessed 2026-05-25.
- Issuer terms Amazon Visa Credit Card - Chase Accessed 2026-05-25.
- Issuer terms Amazon Store Card - Amazon Pay - Amazon Pay Accessed 2026-05-25.
- Issuer terms Bank of America Customized Cash Rewards Card: Categories and Exclusions - Bank of America Accessed 2026-05-25.
- Issuer terms Wells Fargo Active Cash Credit Card - Wells Fargo Accessed 2026-05-25.