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- You can significantly reduce your holiday 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 toward travel.
- Read Insider’s guide to the best rewards credit cards.
Holiday shopping is in full swing. If you were in the crowds during
, you know the lengths to which customers will go for a good deal.
Fortunately, it’s possible to shop great deals from home, sheltered from the teeth and fingernails of enthusiastic shoppers. You can even manufacture your own great deals thanks to credit card rewards. You can steeply discount the prices of just about anything — and even get items for absolutely free.
Read more: The best credit cards for Amazon shopping
Amazon makes it simple to redeem many rewards currencies 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.
Here’s everything you need to know.
How to use credit card points at 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
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.
You can earn Chase Ultimate Rewards by opening and using cards like:
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
See Pay Over Time APR
100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership, plus 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of card membership
American Express offers a very low redemption rate of 0.7 cents each for Amazon purchases — and its 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 using 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
— 100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership, plus 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of card membership
- American Express® Gold Card
— 60,000 points after you spend at least $4,000 in your first 6 months of account opening
- 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 3 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
15.99% – 23.99% Variable
Good to Excellent
80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
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 cash back that can be converted into ThankYou points (if you also have a Citi ThankYou points earning card) if you decide you want to use them for travel. Earning rewards on one of these cards and redeeming for cash is your best route if you intend to use them for online shopping.
Cards that earn Citi ThankYou points include:
- Citi Premier® Card — 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
- Citi Rewards+® Card
— 20,000 bonus points after spending $1,500 in purchases in 3 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.
Read more: Best ways to use Citi ThankYou points
Use Capital One miles on Amazon
Again, Capital One miles are best used for travel — not for Amazon purchases. You’ll receive less than have 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.
Cards that earn Capital One miles directly include:
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.
Read more: Best ways to use Capital One miles
Use Discover Rewards on Amazon
11.99% – 22.99% Variable
0% intro APR for 14 months on purchases and balance transfers
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 October to December 31, 2021, you can earn 5% cash back at Amazon.com, Walmart.com and Target.com on up to $1,500 in purchases after enrollment, then 1%).
Cards that earn Discover Rewards include:
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.
Read more: Discover Cashback match program
Use Hilton points on Amazon
15.74% – 24.74% Variable
Good to Excellent
130,000 points after spending $2,000 in purchases in the first 3 months of card membership. Plus, earn an additional 50,000 points after spending $10,000 total in purchases in the first 6 months
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 130,000 points after spending $2,000 in purchases in the first 3 months of card membership. Plus, earn an additional 50,000 points after spending $10,000 total in purchases in the first 6 months. 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 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.
Hilton credit cards include:
- Hilton Honors American Express Aspire Card
— 150,000 points after you spend at least $4,000 in your first 3 months of account opening
- Hilton Honors American Express Surpass® Card
— 130,000 points after spending $2,000 on purchases in the first 3 months of card membership. Plus, earn an additional 50,000 points after spending $10,000 total on purchases in the first 6 months
- Hilton Honors American Express Card — 80,000 points after spending $1,000 on purchases in the first 3 months of card membership. Plus, earn an additional 50,000 points after spending $5,000 total on purchases in the first 6 months
Read more: Best ways to use Hilton points
Use Marriott points on Amazon
15.74% to 24.74% variable APR
Good to Excellent
Earn 75,000 bonus points after using your new card to make $3,000 in purchases within the first 3 months. Plus, earn up to $200 in statement credits for eligible purchases at U.S. Restaurants within the first 6 months of card membership
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.
- Marriott Bonvoy Boundless® Credit Card — 3 free nights (each valued up to 50,000 points) after qualifying purchases and 10x total points on eligible purchases in select categories
- Marriott Bonvoy Brilliant™ American Express® Card — Earn 75,000 bonus points after using your new card to make $3,000 in purchases within the first 3 months. Plus, earn up to $200 in statement credits for eligible purchases at U.S. Restaurants within the first 6 months of card membership
- Marriott Bonvoy Business™ American Express® Card — Earn 75,000 bonus points after using your card to make $3,000 in eligible purchases within the first 3 months of card membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new card in the first 3 months of card membership
Read more: Best ways to use Marriott 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.
Below are the current promotions. You can bookmark this page to keep tabs on the current deals. We’ve included a link to the registration page of each offer.
Amex Membership Rewards points
Amex is currently targeting customers for a discount of up to 50% (capped at $80 in savings) when you pay for your Amazon cart with at least 1 Amex Membership Rewards point. This offer expires at 11:59 pm Pacific Time on December 31, 2021 (or after a limited quantity is used).
Your offer may vary. I was targeted for 15% off, up to $15, with no minimum spending requirement.
Chase Ultimate Rewards points
Targeted Chase cardmembers will receive 50% off eligible purchases, up to $15 off, when paying for an Amazon order with at least 1 Chase Ultimate Rewards point. This offer expires at 11:59 pm Pacific Time on December 31, 2021 (or after a limited quantity is used).
Citi ThankYou points
Citi is targeting customers for a discount of up to 50% (capped at $15) when spending $30+ on Amazon purchases. Only products sold and shipped by Amazon qualify, and you must use at least 1 ThankYou point at checkout. This offer expires on December 31, 2021.
Your offer may vary. My personal offer was 40% off, up to a maximum $10 discount.
Select Discover cardmembers can earn up to 40% off with Amazon when using at least 1 point/cent at checkout. This offer expires on December 31, 2021. Only items sold and shipped by Amazon qualify.
Frequently Asked Questions (FAQ)
Is Amazon Shop With Points a good deal?
Paying with points is almost never the best way to redeem rewards. You’ll never receive outsized value for your rewards, and the return rate you’ll get is significantly below what you can expect to receive if you use them for travel.
A big exception is the aforementioned promotions that offer a significant discount for using just a single point.
Which credit card points link to Amazon?
Currently, there are five popular bank points currencies, plus Hilton points, that link directly to Amazon:
However, you can technically use other currencies to shop with Amazon, such as Marriott (covered above) and IHG. You’ll have to cash out your points for Amazon gift cards, and it’s not a good deal.
What’s the best card for shopping on Amazon?
If you shop on Amazon with regularity, you may not want a card that collects the above currencies. Better to focus on cash-back credit cards where your rewards will go further towards offsetting your cart.
Here are some of the best credit cards for Amazon purchases:
Again, there are some cards like the Citi® Double Cash Card that simultaneously earn cash back while giving you the option to transfer to travel rewards if you have other cards. If you think your credit card strategy might change in the future, cards like these give you flexibility in how you can redeem your points.
Good to Excellent
3 free nights (each valued up to 50,000 points) after qualifying purchases and 10x total points on eligible purchases in select categories
Good to Excellent
$200 after spending $500 on purchases in the first three months from account opening
Good to Excellent