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Whether you are looking for video games, movies, books or just about anything else, Amazon.com seems to have it all. If you like to use their site, you could easily spend hundreds – maybe thousands – of dollars there each year on your favorite items and gifts for others. Why not earn some cash back on those purchases?
Let’s take a look at some ways in which you can earn cash back on Amazon.com purchases.
American Express Blue Cash: 2% Cash Back
In addition to giving you 2 percent back on Amazon purchases, you can earn 3% cash back at supermarkets and 2% back on gas and at other department stores and 1% back on all other purchases. The flexible rewards program is what makes this card our preferred way to earn cash back on most of our purchases, including those on Amazon.
American Express Blue Cash Preferred Card: 3% Cash Back
If you don’t have the Blue Cash and/or the Blue Cash Preferred card at this time and you plan to use it primarily for Amazon.com purchases, you’d probably be better off by going with the Blue Cash card. This is because this card has no annual fee while the Blue Cash Preferred card has a $75 annual fee.
You’d have to spend $2,500 at Amazon.com just to cover the annual fee on the Blue Cash Preferred card – a point at which you’d already have $50 in cash back with the Blue Cash card. However, if you are looking for a card that will also be beneficial on supermarket and gasoline purchases, then the Blue Cash Preferred card offers higher percentages in those categories (6% cash back at supermarkets and 3% back on gas), so for people who spend enough, it can actually be well worth the annual fee.
Discover More Card: 2% Cash Back
Earlier this month when Discover first announced they were offering bonus cash back at Amazon I was actually excited. However if you do the math, you can only earn $5 in cash back rewards on Amazon before being bumped down to the 1% tier with this card. Hopefully most people will see that this is essentially just a big marketing gimmick, and decide to pass.
Amazon.com Rewards Visa: 3% Cash Back
The Amazon.com Rewards Visa offers 3 points per dollar spent on Amazon.com purchases. If you redeem 2,500 points, you’ll get a $25 Amazon.com gift card. Once you hit 5,000 points, you’ll have many more rewards options, including gas station gift cards and, as you get higher in points, you’ll be eligible to redeem your points for travel rewards.
This isn’t a bad deal if you are exclusively looking for a card to make your Amazon.com purchases with, as it effectively earns 3 cents on the dollar. However, if you want a more comprehensive card that has more rewards and flexibility, then the Blue Cash and the Blue Cash Preferred cards are much better options.