Maximizing Amazon Cash Back | Bankrate

There’s little doubt that Amazon makes procuring easy whereas saving time. And with a couple of methods in place, you may take pleasure in much more perks with out sacrificing comfort. We break down how a money again rewards card, co-branded Amazon card, procuring portals and extra might help you rating some massive rewards in your Amazon buys.

Under are eight of the most effective methods to get money again on Amazon.

1. Use a money again bank card

Utilizing a money again bank card for Amazon purchases is likely one of the quickest methods so as to add more cash to your backside line — particularly in case you’re a daily shopper with the net retail big. Whereas there are dozens of choices accessible, selecting one of many finest money again bank cards providing boosted rewards for on-line or Amazon-specific purchases can shortly escalate your money again earnings.

Standout examples embody:

• Financial institution of America® Custom-made Money Rewards bank card: This card earns 3 % money again within the qualifying class of your alternative — certainly one of which is on-line procuring. Whereas the cardboard caps spending at $2,500 per quarter for purchases throughout the 3 % class and the two % class (for grocery shops and wholesale golf equipment), you’ll nonetheless earn 1 % money again on all purchases afterward.
• Chase Freedom Flex®*: This selection gives rotating bonus classes all year long that always embody retail purchases. Cardholders who activate the supply earn 5 % money again on purchases for the quarter (as much as $1,500 in purchases, then 1 % thereafter). Previously, Amazon.com has been one of many bonus classes a minimum of annually.
• Uncover it® Money Again: This card earns 5 % money again on rotating quarterly classes, as much as $1,500 once you activate. Though Uncover not releases their classes prematurely, you may have a look at their choices from earlier years — which embody purchases made on Amazon.com. After you attain the 5 % spending cap, you’ll earn 1 % on all purchases going ahead.

2. Apply for the Amazon Prime Visa card

The Amazon Prime Visa marries excessive money again rewards for Amazon and Complete Meals purchases with money again alternatives in on a regular basis buy classes, akin to gasoline and eating places. The Prime Visa targets Amazon Prime members or those that plan to turn into one. For Prime customers, Amazon gives an intro supply: Get a $150 Amazon Present Card immediately upon approval completely for Prime members. As soon as authorized, you’ll have the ability to earn the next:

• Prime Card Bonus: Earn 10% again or extra on a rotating number of gadgets and classes on Amazon.com with an eligible Prime membership
• Earn limitless 5% again at Amazon.com, Amazon Contemporary, Complete Meals Market, and on Chase Journey purchases with an eligible Prime membership
• Earn limitless 2% again at gasoline stations, eating places, and on native transit and commuting (together with rideshare)
• Earn limitless 1% again on all different purchases

The cardboard comes with no annual price, though you’ll have to take care of your Amazon Prime membership ($139 per 12 months). You should utilize this card when touring abroad, due to no overseas transaction charges. Plus, you may benefit from perks just like the Visa Signature Luxurious Lodge Assortment and Concierge Service, in addition to journey and buy protections.

3. Join an Amazon Prime Retailer Card

The Amazon Prime Retailer Card* is one other money again incomes card for Amazon purchases — however in comparison with the Prime Visa, its perks aren’t as sturdy. For starters, you may earn the identical 5 % money again on Amazon.com and Complete Meals, however this can be a “closed loop” co-branded card. Which means you may solely use it with the branded retailer, so that you received’t earn rewards on some other purchases. Cardholders instantly earn an $80 Amazon present card on approval.

Right here’s how the 2 Amazon playing cards examine.

4. Make Amazon purchases via a procuring portal

One other manner of incomes money again on Amazon purchases is solely procuring via a portal that earns you money again. Buying portals like BeFrugal and TopCashBack supply money again on purchases with Amazon after you identify an account and conform to the positioning’s phrases and circumstances.

When mixed with a card just like the Prime Visa, you would possibly have the ability to stack your Amazon financial savings to the tune of 13 % — 5 % again from the bank card and as much as 8 % money again via the procuring portal.

5. Store the Amazon warehouse

One other manner to economize along with your bank card is by procuring Amazon’s warehouse offers. As soon as there, you’ll get entry to hundreds of open-box, like-new or preowned gadgets from among the greatest model names you may think about. The packaging could also be broken or have another minor flaw, however many instances it’s barely noticeable.

These offers are first come, first served — so in case you see one thing you need, act shortly! Because you’re procuring instantly on Amazon’s web site, you need to use any of the cost strategies you like — together with a card that earns you boosted rewards on Amazon.

The Amazon warehouse isn’t the one place to attain rock-bottom costs. Slightly, the positioning gives a number of different avenues for financial savings via Amazon, all of which you’ll mix along with your favourite money again card.

• At present’s Offers. These are limited-time reductions on chosen merchandise, like a flash sale that pops up shortly and sells out earlier than day’s finish.
• Subscribe and Save. Schedule your favourite merchandise to robotically renew and ship via this program without spending a dime delivery and financial savings from 5 to fifteen % or extra.
• Amazon coupons. Whilst you can’t use outdoors coupons, Amazon typically gives coupons of its personal for family necessities, skincare and extra. Get pleasure from these coupons on prime of some other reductions and money again earnings.
• Woot! Offers. This Amazon firm gives flash gross sales with steep reductions which might be usually accessible for a short while. For those who’re a Prime member, you additionally get free delivery.

7. Make the most of free delivery

Free delivery is probably not a direct manner of incomes money again, however it could possibly preserve bills down in case you’re an Amazon Prime member. You will get free two-day delivery on qualifying gadgets — and also you would possibly even qualify without spending a dime same-day supply or Saturday delivery in case you meet ordering thresholds and if it’s accessible in your space.

Free delivery might help you get essentially the most out of your Prime membership, particularly in case you can benefit from the quicker delivery instances and earn precious money again rewards when you’re procuring.

8. Use value monitoring instruments to get the most effective value

Amazon is thought to supply reasonably priced costs, however in case you’re nonetheless uncertain in case you’re getting the most effective deal, there are some price-tracking instruments it’s possible you’ll need to try. You’ll be able to verify an merchandise’s value historical past on web sites akin to CamelCamelCamel and Keepa to confirm if the deal you’re seeing on-line is actually a catch. Though this isn’t incomes money again, per se, you may nonetheless maximize financial savings by checking if the worth is traditionally low earlier than trying out your cart.

take advantage of Amazon Prime Day

Among the many most precious perks of an Amazon Prime membership is entry to unique promotions that embody Purchase With Prime offers, invite-only offers and the well-known Amazon Prime Days.

Amazon Prime Days are an unique procuring occasion for Prime members. These occasions usually final 4 days, throughout which you’ll discover slashed costs and steep reductions throughout each procuring class. Use a money again bank card to reinforce the low cost even additional.

When you have an Amazon Prime Retailer Card or a Prime Visa, seek for the Prime Card bonus web site via Amazon to see merchandise incomes extra financial savings past the standard 5 % money again. Some merchandise earn as much as 25 % more money again, merely for paying with an eligible Amazon card.

What about Amazon Massive Deal Days?

To not be confused with Prime Day, Amazon additionally gives its Prime members entry to Massive Deal Days. This two-day mega-sales occasion occurred Oct. 8-9, 2024, and chances are high we’ll see it return once more sooner or later. Like Prime Day, you have to be an Amazon Prime member so you may benefit from the pricing.

This 48-hour gross sales occasion options beneficiant reductions on all kinds of merchandise as a preview to Black Friday and Cyber Monday offers. The October gross sales date offers Prime members an opportunity to unfold out vacation purchases over an extended time.

The underside line

For those who’re one of many hundreds of thousands of loyal Amazon buyers, it’s possible you’ll be shocked on the variety of methods you may maximize Amazon money again earnings. Utilizing a money again bank card with boosted money again earnings for retail purchases or one of many Amazon-specific bank cards can considerably increase your money again earnings.

You can too stack reductions with a couple of different methods, akin to procuring Amazon warehouse offers or Prime Days. For those who don’t but personal a money again card, examine our listing of the prime bank cards for Amazon procuring to search out the most effective on your spending habits and finances.

*Details about the Chase Freedom Flex® and the Amazon Prime Retailer Card has been collected independently by Bankrate. Card particulars haven’t been reviewed or authorized by the cardboard issuer

The Financial institution of America content material on this submit was final up to date on Could 19, 2025.