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You can redeem Chase, Amex, Citi, Capital One, Discover, Bilt, US Bank, BoA, and Hilton points directly at Amazon checkout — but it’s not always the best idea.
Crystal Cox/Business Insider
You can significantly reduce your shopping bill by redeeming credit card rewards on Amazon.
Many popular currencies participate, such as Chase Ultimate Rewards® and Amex Membership Rewards.
We don’t usually recommend using points this way because they can be worth much more for travel.
Read Insider’s guide to the best rewards credit cards.
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.
This is 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.
Here’s everything you need to know about using credit card points on Amazon purchases.
Insider’s Featured Cash Back Credit Cards
Discover it® Cash Back
Citi® Double Cash Card
Wells Fargo Active Cash® Card
Annual Fee
$0
Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.
Intro Offer
Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year
Annual Fee
$0
Rewards
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Intro Offer
0% intro APR on balance transfers for 18 months, then 18.99% – 28.99% variable APR
Annual Fee
$0
Rewards
Earn unlimited 2% cash rewards on purchases.
Intro Offer
$200 cash rewards bonus after spending $500 in purchases in the first three months from account opening
We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
How to Use Points on Amazon
When you link a loyalty program to your Amazon account, Amazon may change your default payment method to points. This can be devastating if you’re not paying attention and lose a large portion of points you had intended to save for travel.
Use Chase Points on Amazon
Chase Sapphire Preferred® Card
4.4/5
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
$95
Annual Fee
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
$95
Annual Fee
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
Annual Fee
$95
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Recommended Credit
Good to Excellent
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
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Regular Annual Percentage Rate (APR)
21.24% – 28.24% Variable
Editor’s Rating
4.4/5
4.4 out of
5 Stars
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
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Pros & Cons
Pros
High intro bonus offer starts you off with lots of points
Strong travel coverage
Cons
Doesn’t offer a Global Entry/TSA PreCheck application fee credit
Highlights
More Information
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. 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, 2024.
Member FDIC
Additional Reading
Read our review
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.
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 — 100,000 points after spending $15,000 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
The Platinum Card® from American Express
4.4/5
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
$695
Annual Fee
Intro offer
80,000 Membership Rewards® Points after spending $6,000 on purchases on the card in the first six months of card membership
Rewards
Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
$695
Annual Fee
Intro offer
80,000 Membership Rewards® Points after spending $6,000 on purchases on the card in the first six months of card membership
Rewards
Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.
Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.
Annual Fee
$695
See Rates and Fees
Show more
Intro offer
80,000 Membership Rewards® Points after spending $6,000 on purchases on the card in the first six months of card membership
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
See Pay Over Time APR
Intro Annual Percentage Rate (APR)
N/A
Editor’s Rating
4.4/5
4.4 out of
5 Stars
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
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Pros & Cons
Pros
Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
Annual statement credits with Saks and Uber
Cons
Bonus categories leave something to be desired
One of the highest annual fees among premium travel cards
Highlights
More Information
Earn 80,000 Membership Rewards® Points after you spend $6,000 on purchases on the 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 with American Express Travel when you pay with your Platinum Card®.
$240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Disney+, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
$155 Walmart+ Credit: Walmart+ members enjoy shopping perks – both online and in-store – at Walmart. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive a statement credit that covers the full cost each month. $12.95 plus applicable taxes. Plus Up Benefits not eligible.
$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 Card.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Benefit renews annually.
$300 Equinox Credit: Get up to $300 back per calendar year on an Equinox+ subscription, or any Equinox club memberships when you pay with your Platinum Card®. Enrollment required. Learn more.
$189 CLEAR® Plus Credit: Breeze through security with CLEAR® Plus at 45+ airports nationwide and get up to $189 back per year on your membership (subject to auto-renewal) when you use your Platinum Card®.
$100 Global Entry Credit: Receive either a $100 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 $50 in statement credits semi-annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
$300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. Must charge full price of bike in one transaction, and an Equinox+ subscription is required.
Add your Platinum Card® to your Resy profile on the Resy app or website and unlock Global Dining Access by Resy to exclusive tables and events.
$695 annual fee.
Terms Apply.
Additional Reading
Read our review
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 spending $6,000 on purchases on the card in the first six months of card membership
American Express® Gold Card
— 60,000 Membership Rewards® Points after spending $4,000 on purchases on the Card in the first six months of card membership
The Business Platinum Card® from American Express
— 120,000 Membership Rewards® points after spending $15,000 on eligible purchases with your 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 Premier® Card
4.1/5
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
$95
Annual Fee
Intro offer
60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first three months of account opening, plus earn a total of 10 ThankYou® Points per dollar on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through 6/30/2024
Rewards
Earn 3x ThankYou® points on restaurant, supermarket, gas station, air travel, and hotel purchases. Earn 1x ThankYou® points on all other purchases.
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
$95
Annual Fee
Intro offer
60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first three months of account opening, plus earn a total of 10 ThankYou® Points per dollar on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through 6/30/2024
Rewards
Earn 3x ThankYou® points on restaurant, supermarket, gas station, air travel, and hotel purchases. Earn 1x ThankYou® points on all other purchases.
Earn 3x ThankYou® points on restaurant, supermarket, gas station, air travel, and hotel purchases. Earn 1x ThankYou® points on all other purchases.
Annual Fee
$95
Intro offer
60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first three months of account opening, plus earn a total of 10 ThankYou® Points per dollar on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through 6/30/2024
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.99% – 28.99% Variable
Editor’s Rating
4.1/5
4.1 out of
5 Stars
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
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Pros & Cons
Pros
Strong bonus
Generous bonus categories
Cons
Doesn’t offer much in the way of statement credits or other perks
Citi ThankYou Rewards may not be as convenient as other points for US-based travelers
Highlights
More Information
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
Earn 3 Points per $1 spent at Restaurants and Supermarkets
Earn 1 Point per $1 spent on all other purchases
Annual Hotel Savings Benefit
60,000 ThankYou® Points are redeemable for $600 in gift cards or travel rewards at thankyou.com
No expiration and no limit to the amount of points you can earn with this card
No Foreign Transaction Fees on purchases
Additional Reading
Read our review
Per 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 Premier® Card — 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first three months of account opening, plus earn a total of 10 ThankYou® Points per dollar on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through 6/30/2024
Citi Rewards+® Card
— 25,000 bonus points after spending $1,500 in purchases in three months from 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 Venture X Rewards Credit Card
4.85/5
$395
Annual Fee
Intro offer
75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
Rewards
Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases.
75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
Rewards
Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases.
Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases.
Annual Fee
$395
Intro offer
75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
Recommended Credit
Excellent
Regular Annual Percentage Rate (APR)
21.74% – 28.74% Variable
Editor’s Rating
4.85/5
4.85 out of
5 Stars
Pros & Cons
Pros
Excellent welcome bonus and miles earning
Premium perks including airport lounge access and statement credits
Visa Infinite benefits including travel and shopping protections
Cons
High annual fee
Annual travel statement credits only apply to Capital One Travel purchases
Highlights
More Information
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 up to $300 back annually as statement credits for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of 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 booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
Receive up to a $100 credit for Global Entry or TSA PreCheck®
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
Elevate your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit, daily breakfast for 2 and complimentary WiFi on every booking, plus other premium benefits like room upgrades, early check-in and late checkout when available
Additional Reading
Read our review
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, Capital One issues cash-back cards, the rewards of which can be converted into Capital One miles — as long as you have a qualifying Capital One miles-earning card. Examples include the Capital One Savor Cash Rewards Credit Card
and Capital One SavorOne Cash Rewards Credit Card.
Capital One credit cards that earn miles directly include:
Capital One Venture Rewards Credit Card — 75,000 miles after spending $4,000 on purchases within 3 months from account opening
Capital One Venture X Rewards Credit Card — 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening,
Capital One Spark Miles for Business
— 50,000 miles once you spend $4,500 on purchases within the first 3 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 it® Cash Back
3.8/5
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
$0
Annual Fee
Intro offer
Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year
Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
$0
Annual Fee
Intro offer
Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year
Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations up to the quarterly maximum when you activate. Earn unlimited 1% cash back on all other purchases automatically.
Annual Fee
$0
Intro offer
Unlimited Cashback Match – Discover will automatically match all the cash back you’ve earned at the end of your first year
Recommended Credit
Good to Excellent
Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.
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Regular Annual Percentage Rate (APR)
16.99% – 27.99% Variable
Intro Annual Percentage Rate (APR)
0% intro APR for 15 months on purchases and balance transfers
Editor’s Rating
3.8/5
3.8 out of
5 Stars
Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.
Show more
Pros & Cons
Pros
From January 1 to March 31, 2023, you can earn 5% cash back at grocery stores, drug 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
Cons
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
Highlights
More Information
Intro Offer: Unlimited Cashback Match – 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 each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
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. It’s free, activate with the mobile app.
Every $1 you earn in cash back is $1 you can redeem
Get a 0% intro APR for 15 months on purchases. Then 16.99% to 27.99% Standard Variable Purchase APR applies, based on credit worthiness.
No annual fee.
Click through to Discover’s website to see terms and conditions.
Additional Reading
Read our review
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 April 1 to June 30, 2023, you can earn 5% cash back at Restaurants and Wholesale Clubs 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
The Hilton Honors American Express Business Card
4.5/5
$95
Annual Fee
Intro offer
150,000 Hilton Honors bonus points plus a Free Night Reward after you spend $4,000 in purchases within the first three months of card membership (offer ends 7/19/23)
Rewards
Earn 12x Hilton Honors Points at Hilton per dollar for purchases made directly with hotels and resorts in the Hilton portfolio. Earn 6x Hilton Honors Points on business purchases at U.S. gas stations, shipping providers, and wireless phone services purchased directly from service providers. Earn 6x Hilton Honors Points on select travel purchases at U.S. restaurants, flights, and car rentals. Earn 3X Hilton Honors Points on all other purchases.
150,000 Hilton Honors bonus points plus a Free Night Reward after you spend $4,000 in purchases within the first three months of card membership (offer ends 7/19/23)
Rewards
Earn 12x Hilton Honors Points at Hilton per dollar for purchases made directly with hotels and resorts in the Hilton portfolio. Earn 6x Hilton Honors Points on business purchases at U.S. gas stations, shipping providers, and wireless phone services purchased directly from service providers. Earn 6x Hilton Honors Points on select travel purchases at U.S. restaurants, flights, and car rentals. Earn 3X Hilton Honors Points on all other purchases.
If you’re a small-business owner and like staying with Hilton, this card is an excellent value. For a modest annual fee, cardholders receive automatic Hilton Gold status and 10 airport lounge visits annually, as well as great bonus categories for business purchases. Plus, big spenders can take advantage of the ability to earn up to two weekend night certificates for meeting spending thresholds each year.
Details
Rewards
Earn 12x Hilton Honors Points at Hilton per dollar for purchases made directly with hotels and resorts in the Hilton portfolio. Earn 6x Hilton Honors Points on business purchases at U.S. gas stations, shipping providers, and wireless phone services purchased directly from service providers. Earn 6x Hilton Honors Points on select travel purchases at U.S. restaurants, flights, and car rentals. Earn 3X Hilton Honors Points on all other purchases.
Annual Fee
$95
Intro offer
150,000 Hilton Honors bonus points plus a Free Night Reward after you spend $4,000 in purchases within the first three months of card membership (offer ends 7/19/23)
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.74% – 29.74% Variable
Editor’s Rating
4.5/5
4.5 out of
5 Stars
Pros & Cons
Pros
Comes with complimentary Hilton Gold elite status
Strong welcome bonus
Earns bonus points on a wide variety of purchases
Cons
You have to spend at least $15,000 on eligible purchases in a calendar year to earn a reward night
Highlights
More Information
Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $4,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. Offer ends 7/19/23.
Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
Enjoy complimentary Hilton Honor(TM) Gold Status with your Hilton Honors Business Card.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
Terms apply.
Additional Reading
Read our review
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 150,000 Hilton Honors bonus points plus a Free Night Reward after you spend $4,000 in purchases within the first three months of card membership (offer ends 7/19/23).
You’ll even get 6 points per dollar on everyday purchases like gas stations and U.S. restaurants, and 3 points per dollar on all other eligible purchases.
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
— 150,000 points after spending at least $4,000 in the first three months of account opening
Hilton Honors American Express Surpass® Card
— 130,000 Hilton Honors bonus points and one Free Night Reward after you spend $2,000 in purchases in your first three months of card membership
Hilton Honors American Express Card — 70,000 Hilton Honors bonus points and a Free Night Reward after you spend $1,000 in purchases in the first three months of card membership
Use Marriott Points on Amazon
Marriott Bonvoy Brilliant® American Express® Card
4.3/5
$650
Annual Fee
Intro offer
150,000 Marriott Bonvoy bonus points after spending $6,000 in purchases on the card within the first six months and earn 50,000 Marriott Bonvoy bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy through 1/31/24 (offer ends 8/9/23)
Rewards
Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. Earn 3 points at Worldwide Restaurants and on flights booked directly with airlines. Earn 2 points on all other eligible purchases.
150,000 Marriott Bonvoy bonus points after spending $6,000 in purchases on the card within the first six months and earn 50,000 Marriott Bonvoy bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy through 1/31/24 (offer ends 8/9/23)
Rewards
Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. Earn 3 points at Worldwide Restaurants and on flights booked directly with airlines. Earn 2 points on all other eligible purchases.
Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. Earn 3 points at Worldwide Restaurants and on flights booked directly with airlines. Earn 2 points on all other eligible purchases.
Annual Fee
$650
Intro offer
150,000 Marriott Bonvoy bonus points after spending $6,000 in purchases on the card within the first six months and earn 50,000 Marriott Bonvoy bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy through 1/31/24 (offer ends 8/9/23)
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.74% – 29.74% Variable
Editor’s Rating
4.3/5
4.3 out of
5 Stars
Pros & Cons
Pros
Annual statement credits can save you money on Marriott stays
You get a free reward night each year after your renewal month
Cons
High annual fee
Other cards are more rewarding for earning points on your spending
Highlights
More Information
Earn 150,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. Plus, earn 50,000 Marriott Bonvoy bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy through 1/31/24. Offer ends 8/9/2023.
$300 Brilliant Dining Credit: Each Card renewal year, get up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases 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 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy® program. 3 points at restaurants worldwide and on flights booked directly with airlines. 2 points on all other eligible purchases.
Marriott Brilliant 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 made on their Marriott Bonvoy Brilliant® American Express® Card, Card Members are eligible to select an Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
$100 Luxury Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at 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 ($100) 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. Terms apply.
Enroll in Priority Pass(™) Select, which offers unlimited access 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.
You can be reimbursed for your costs to repair or replace your damaged or Stolen cell phone for a maximum of $800 per claim with a limit of 2 approved claims per 12-month period 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. Coverage is provided by New Hampshire Insurance Company, an AIG Company. Additional terms and conditions apply.
$650 Annual Fee.
Terms Apply.
Additional Reading
Read our review
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 — 150,000 Marriott Bonvoy bonus points after spending $6,000 in purchases on the card within the first six months and earn 50,000 Marriott Bonvoy bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy through 1/31/24 (offer ends 8/9/23)
Marriott Bonvoy Business® American Express® Card — 75,000 bonus Marriott Bonvoy Points after making $3,000 in purchases within the first three months of card membership
Marriott Bonvoy Bevy™ American Express® Card — 125,000 Marriott Bonvoy points after spending $5,000 in purchases on your new card within the first six months and earn 50,000 Marriott Bonvoy bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy through 1/31/24 (offer ends 8/9/2023)
Marriott Bonvoy Bold® Credit Card
— 50,000 bonus points after you spend $1,000 on eligible purchases in the first six months of account opening plus 50,000 bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy® through 1/31/24
Marriott Bonvoy Boundless® Credit Card
— 75,000 bonus points after you spend $3,000 on eligible purchases in the first six months of account opening plus 50,000 bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy® through 1/31/24
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 Mastercard®
4/5
$0
Annual Fee
Intro offer
N/A
Rewards
Earn 3X point on dining. Earn 2X point on travel (when booked directly with an airline, hotel, car rental or cruise company). Earn 1X points on rent payments (up to $100,000 each year). Earn points when you make 5 transactions that post each statement period.
Earn 3X point on dining. Earn 2X point on travel (when booked directly with an airline, hotel, car rental or cruise company). Earn 1X points on rent payments (up to $100,000 each year). Earn points when you make 5 transactions that post each statement period.
Earn 3X point on dining. Earn 2X point on travel (when booked directly with an airline, hotel, car rental or cruise company). Earn 1X points on rent payments (up to $100,000 each year). Earn points when you make 5 transactions that post each statement period.
Annual Fee
$0
Intro offer
N/A
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
See Terms
Editor’s Rating
4/5
4 out of
5 Stars
Pros & Cons
Pros
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
Cons
If you’re not a renter, other cards offer better welcome bonuses and rewards
Must make 5 transactions per statement period to earn points
Highlights
More Information
$0 Annual Fee.
Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year.
2x points on travel.
3x points on dining.
1x points on other purchases.
Earn points when you make 5 transactions that post each statement period.
When renting at a Bilt Alliance property, you can choose to have your rent payments automatically reported by Bilt to the three major credit bureaus each month; Experian™, TransUnion™, and Equifax™.
Additional Reading
Read our review
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 US Bank Rewards at Amazon
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
3.9/5
$0 intro for the first year, then $95
Annual Fee
Intro offer
$250 bonus after spending $2,000 in eligible purchases within the first 120 days of account opening
Rewards
Earn 6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose. Earn 5.5% back on prepaid car and hotel reservations booked through the US Bank Rewards Center. Earn 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). Earn 1.5% cash back on all other eligible purchases.
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
3.9/5
$0 intro for the first year, then $95
Annual Fee
Intro offer
$250 bonus after spending $2,000 in eligible purchases within the first 120 days of account opening
Rewards
Earn 6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose. Earn 5.5% back on prepaid car and hotel reservations booked through the US Bank Rewards Center. Earn 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). Earn 1.5% cash back on all other eligible purchases.
Earn 6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose. Earn 5.5% back on prepaid car and hotel reservations booked through the US Bank Rewards Center. Earn 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). Earn 1.5% cash back on all other eligible purchases.
Annual Fee
$0 intro for the first year, then $95
Intro offer
$250 bonus after spending $2,000 in eligible purchases within the first 120 days of account opening
Recommended Credit
Excellent/Good
Regular Annual Percentage Rate (APR)
18.74-28.74% Variable
Editor’s Rating
3.9/5
3.9 out of
5 Stars
Pros & Cons
Pros
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
Cons
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
Highlights
More Information
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
Additional Reading
Read our review
It’s easy to redeem US Bank rewards through Amazon.com checkout, and you’ll get a solid 1:1 rate. So if you have an eligible US Bank card, and are looking to redeem rewards for Amazon purchases, you’ll get a fair value. However, redeeming for travel through the US 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 US 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 US Bank rewards on the following cards:
U.S. Bank Altitude® Connect Visa Signature® Card
— 50,000 points after spending $2,000 in eligible purchases within the first 120 days from account opening
U.S. Bank Altitude® Go Visa Signature® Card
— 20,000 bonus points after spending $1,000 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 Business Triple Cash Rewards World Elite Mastercard®
— $500 cash back after spending $4,500 on purchases on the account holder’s card in the first 150 days of opening your account
Click here to enroll your card with Shop with Points.
Use Bank of America Unlimited Cash Rewards at Amazon
Bank of America® Unlimited Cash Rewards Credit Card
3.9/5
$0
Annual Fee
Intro offer
$200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days from account opening
$200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days from account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
17.99% – 27.99% Variable
Intro Annual Percentage Rate (APR)
0% intro APR for the first 18 billing cycles on purchases and on any balance transfers made in the first 60 days
Editor’s Rating
3.9/5
3.9 out of
5 Stars
Pros & Cons
Pros
Decent welcome bonus
Generous 0% 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
Cons
3% foreign transaction fee
Other cards offer better travel and purchase benefits
Highlights
More Information
Click “APPLY NOW” to apply online or call 866-598-4961.
$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 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.
0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.49% – 27.49% Variable APR will apply. A 3% fee applies to all balance transfers.
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.
Additional Reading
Read our review
The Bank of America Bank of America® Unlimited Cash Rewards Credit Card is 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 Bank of America® Unlimited Cash Rewards Credit Card with Shop with Points.
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.
Shop With Points at Amazon Frequently Asked Questions (FAQ)
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
, 0% intro APR on balance transfers for 18 months, then 18.99% – 28.99% variable APR, 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.
Joseph Hostetler, CEPF
Credit cards reporter
Joseph Hostetler was a credit cards reporter for Insider who also covered helpful miles and points tricks. He is also a Certified Educator in Personal Finance (CEPF). Joseph has more than six years of experience writing professionally about credit cards, previously authoring and editing for The Points Guy and Million Mile Secrets.
Tessa Campbell
Junior Investing Reporter
Tessa Campbell is a Junior Investing Reporter for Personal Finance Insider. She writes investing and retirement related content. She orginally joined the PFI team as a Personal Finance Reviews Fellow in 2022.
Her love of books, research, crochet, and coffee enriches her day-to-day life.
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