Credit Cards

How To Use Credit Card Points On Amazon

By David Krug David Krug is the CEO & President of Bankovia. He's a lifelong expat who has lived in the Philippines, Mexico, Thailand, and Colombia. When he's not reading about cryptocurrencies, he's researching the latest personal finance software. 6 minute read

Do you use Amazon to buy things? Here’s how to get the most out of your credit card rewards points. To maximize your money, credit card points are becoming more and more popular. Credit card points may be redeemed for a wide range of goods. Using Amazon’s “Shop with Points” option, you may even use your credit card points to pay for your purchases.

With the help of this guide, you’ll learn how to redeem your credit card reward points on Amazon and which cards, rated in alphabetical order, are the best for this purpose.

Using your Amazon credit card points efficiently is the focus of our research.

With many credit card programs, you may get Amazon gift cards by using your points on your Amazon purchases. In deciding how to put your credit card points to use, have a look at the following options.

Amazon Rewards Visa Signature Card

With the Amazon Rewards Visa Signature Card from Chase, you may get 3% cashback at Amazon.com and Whole Foods Market, 2% in restaurants, petrol stations, and pharmacies, and 1% on all other transactions.

Those who have a Prime membership may receive the Amazon Prime Rewards Visa Signature Card, which gives you 5% cashback at Amazon.com and Whole Foods, 2% at restaurants, petrol stations, and drugstores, and 1% on all other transactions. This cashback is converted into Amazon points that can be used to pay for purchases at the site. In most cases, a single point is worth a buck.

Discover

To pay for Amazon goods, you can use Discover. The value of your Amazon purchases is therefore equal to that of receiving a rebate. Visa, MasterCard, American Express, Discover, and

  • Discover it Cash Back
  • Discover it Chrome
  • Discover Motiva
  • Discover More
  • Discover Open Road
  • Discover Escape
  • Discover it Miles

Redeeming points on Amazon is not possible with a Discover Business or Essential card.
To make use of Discover credit card points on Amazon, all you have to do is link your Discover card to Amazon. Your Discover card may be set up to automatically use your cashback bonus if you want to leave it as an option when making purchases, or you can set it as your default method of payment when making purchases.

Citi ThankYou

The Citi Rewards +, Citi Premier, and Citi Prestige credit cards all earn Citi ThankYou points.
As with other of the greatest reward credit card programs, you may link your qualified Citi card and use ThankYou points to pay for Amazon purchases directly. To get started, simply follow the instructions on the Citi-branded Amazon website. To use your ThankYou points, simply choose Shop with Points at the time of checkout. It’s a rather simple process.

The value of Citi ThankYou points varies according to how they are redeemed. For example, if you want $50 in cashback, you’ll pay 10,000 points, which is worth 0.5 cents each. However, if you redeem the same 10,000 points at Amazon, you’ll get an $80 buy, making them worth 0.8 cents each. When redeeming ThankYou points for flights, each point is worth one cent, which is the best use of your rewards. They’re OK if you don’t have any intentions to travel, however.

American Express Membership Rewards

You only need to link your credit card to Amazon in order to use your Membership Rewards. Unless you have an American Express card that is qualified for Membership Rewards, you won’t be able to use this service. Membership Rewards is automatically enrolled in a number of American Express cards, including the following:

  • American Express EveryDay cards
  • Centurion Card
  • American Express Gold Card
  • Platinum Card from American Express

Membership Rewards are also included in certain co-branded cards, such as those from Ameriprise Financial and Charles Schwab. Membership Rewards points aren’t counted toward your eligibility for several airline co-branded credit cards. To utilize Shop with Points, you must first link your qualifying American Express card to Amazon. The American Express rewards calculator will help you figure out how much your points are worth based on the card you currently have.

As an example, with the American Express Gold Card, 10,000 points are worth $70 at Amazon if you use your points to make purchases. American Express Travel, on the other hand, values that same 10,000 points at $100. To put it another way, if you’re planning to travel in the near future, it may be more cost-effective to use your points for trip bookings rather than for Amazon purchases.

Chase Ultimate Rewards

To pay with points, you may link your Chase Ultimate Rewards Points to Amazon. This is not the same as using the Chase-branded Amazon credit cards to earn points, which is what most people do. You link your cards in the same way that you would link a credit card. Visa, MasterCard, American Express, Discover, and

  • Chase Freedom and Chase Freedom Unlimited cards
  • Chase Sapphire Preferred and Chase Sapphire Reserve cards
  • Ink cards
  • J.P. Morgan cards

It’s critical to realize that redeeming your Chase Ultimate Rewards points on Amazon will reduce their value. When shopping using this method, 125 points equals $1. As a result, using your Chase Freedom points to pay for Amazon purchases will provide you with less value.
Your Chase Ultimate Rewards points are best saved and used to book travel through the Chase site. Your points are worth 1.5 cents if you book through the gateway using a Chase Sapphire Reserve card, which is highly recommended.

Hilton Honors

You don’t have to link a specific credit card to Amazon with Hilton Honors. For Shop with Points, you link your Hilton Honors account. You may utilize the Shop with Points program as long as your Hilton Honors account is linked to all of your credit cards.

One thing to bear in mind is that utilizing Amazon Shop with Points, 500 Hilton Honors points equals $1. Each point is now worth just 0.2 cents, as a result, It’s possible that booking a hotel stay with Hilton Honors points is a better option.

My credit card points may be used to buy what?

Shop with Points allows you to buy a wide range of products on Amazon. There are, however, certain exceptions to this rule. The following are the most notable exceptions:

  • Amazon Kindle downloads
  • Digital music
  • Amazon video
  • Amazon Appstore
  • Subscribe and Save items
  • Prime memberships
  • AmazonFresh items
  • Gift cards
  • Textbook rentals

Utilizing One-Click will also prevent you from using Shop with Points since you won’t be able to do so. Otherwise, you should be able to pay with points when you check out for most ordinary, non-digital, and non-special items.

Is Amazon a good place to put my rewards points to use?

There are several factors to consider when deciding whether or not to utilize your reward points to purchase on Amazon. You’d have to weigh the financial worth of an Amazon purchase against the numerous ways you may put your points to good use.

When you use Amazon to redeem your points, you’ll receive one dollar off your purchase, equating to one penny for each point. However, if you utilize Shop with Points with some credit card redemption schemes, you may only receive a redemption value of less than one penny.

To be sure you’re receiving the best value for your points, run a few scenarios and compare the statistics.

Amazon credit card removal instructions

It’s as simple as visiting Your Account on Amazon if you decide you no longer wish to use your card for Shop with Points. You’ll notice a Shop with Points option, and then you’ll be able to see all of your credit cards that have been enrolled. Amazon will remove the card from the program if you choose to remove it. Although you won’t be able to use your points to pay for items, you may still use your credit card.

There are a few more shopping alternatives available to you on Amazon once you learn how to spend your credit card points. You have the power to choose what will work best for you and provide you with the highest return on your investment.

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