Earn 5% back on all Amazon purchases

Did you know it’s possible to get 5% back on every single thing you buy from Amazon? It’s extremely easy if you have the Ink Business Cash℠ Credit Card.

The secret is to purchase Amazon gift cards at either Office Depot, Staples or Office Max. There is a ~$6 fee for purchasing a gift card, though there are promotions in which the purchase fee is waived. That’s the time to jump on gift cards!

If you return an item paid with a gift card, you automatically get a credit to your Amazon.com gift card balance. The Chase Ink Business Cash earns 5 Chase Ultimate Rewards points per dollar spent at Office Supply stores, which includes Amazon. It’s very easy to load these gift cards to your Amazon account and earn effectively 5% cash back per dollar spent for all your Amazon.com purchases.

Chase points can be redeemed for cash back at 1 cent per point. Plus, if you have other Chase cards, such as the Chase Sapphire Preferred® Card, you can also redeem your points for:
• Travel via the Chase Travel Portal at 1.25 cents per point
• 1:1 transfers to valuable Chase transfer partners such as United Airlines, Southwest, Hyatt and more

Read our post about the best ways to use Chase points to learn how powerful they can be — and how big of a deal it is to earn 5 points per dollar!

The Chase Ink Business Cash is a small business card, but don’t let that intimidate you — you don’t need a full-time business with employees or six-figure revenue. It’s possible to qualify for a small-business credit card with a part-time side hustle or a freelance gig. Read our post on how to complete a Chase business card application.


Shop through an online portal

Online shopping portals are an easy way to earn lots of bonus miles, points, or cash back on purchases you’d probably make anyway. Nearly every airline, hotel, and bank has some kind of shopping portal to help you earn free travel extra quickly.

However, Amazon doesn’t participate in many online shopping portals. But occasionally, we’ll see a good promotion pop up. For example, we’ve seen TopCashBack offer up to 6% cash back when you shop in select Amazon departments. You can sometimes use promo codes in addition to the shopping portal offer, bringing your a substantial final savings.

I recommend using Cashback Monitor to search for the best portals for Amazon. I find it’s usually the most up-to-date, and the site has lots of handy features.


Targeted promotions with steep discounts

Amazon continually offers various promotions that can save you literally hundreds of dollars each year. One of the most frequently spotted deals is the option to receive a flat discount by paying for your cart in part with travel rewards points like Chase points, Amex Membership Rewards points and Citi ThankYou points. For example, we recently saw a deal that offered $15 off a purchase of $60+ by pay with at least 1 Amex Membership Rewards point! That’s a fantastic deal.

There are also occasional promotions with Amazon Cash, such as a free $10 Amazon credit after loading $40+ to your Amazon account. Currently, however, there’s only a $5 credit when first-time users load $20 to their account.

We’ve even seen a targeted offer to save up to 50% off your next Amazon purchase for your first sign-in on the Amazon app. There are plenty of promotions to keep the cash back rolling in.


Subscribe to Amazon Prime (sometimes at a discount)

Literally all of us at MMS have an Amazon Prime membership. It comes with perks like free two-day shipping, select streaming movies, TV shows, music, etc. You’ll also receive access to Amazon Prime Day, which is a 48-hour sale solely available to Amazon Prime members. Its discounted items range spectacularly, from top-tier electronics to housewares and clothing. It’s kind of like Amazon’s version of Black Friday — but exclusive.

An Amazon Prime membership costs $119 per year. If you’re the kind of customer who often pays extra for rushed shipping, or if you’ll get plenty of use from the program’s other features, a Prime membership is a no-brainer. Plus, we’ve seen in the past as high as a $32 discount on the yearly membership during certain promotions.




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Maximize your cash back on Amazon Credit Card

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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Lowe's Advantage Credit Card
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Home Depot Credit Card
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Fortiva® Mastercard® Credit Card
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Chase Freedom Unlimited® credit card
The Chase Freedom Unlimited® offers a compelling combination of easy-to-learn rewards, flexible redemption options, a solid sign-up bonus, and a lengthy 0% introductory APR period — all for an annual fee of $0. Although the card has done away with its splashy 3% introductory rewards rate, its other features still put it at the top of the class among 1.5% cash back cards. And if you carry other credit cards that earn Chase Ultimate Rewards® points, it packs even more value.
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Best Buy credit card
Best Buy has 2 tiers of consumer credit cards: My Best Buy® Credit Card and My Best Buy® Visa® Card.Visa cardholders can utilize their card anywhere Visa is accepted. That means they have the opportunity to earn a percentage back on more spending, and they also have cash advance and balance transfer options.
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Apply for Menards Credit Card
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How to apply for Fortiva Credit Card
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AAA Dollars® Mastercard®
You’ll need a AAA membership to apply for this card, and depending on your zip code, this card may not be available to you or you may get a different offer. You can take advantage of a 40% bonus when you redeem your points for AAA gift cards, as well as a long 0% intro APR period for purchases and balance transfers.
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American Eagle Outfitters Connected Visa credit card
Fans of American Eagle Outfitters and Aerie will love the opportunity to accelerate their rewards by using the Connected Visa credit card anywhere Visa is accepted.
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