Amazon offers two types of credit cards for customers—a rewards card and a store card—and each type has an Amazon Prime option and a standard option to choose from.

The only meaningful benefit to the Amazon.com Store Card and the Amazon Prime Store Card that you can't already get from their rewards card counterparts is the option for monthly financing. With either of the Amazon store cards, you can finance purchases of a certain amount over a six-, 12- or 24-month repayment plan, with a 0% interest rate. We don't think this benefit is enough to warrant choosing a store card over either of the rewards cards, though.

Instead, if you frequently shop on Amazon.com or at Whole Foods and you're looking to earn cash back on your purchases, you should compare Amazon's rewards cards with the best cash-back credit cards to make your decision.


The Best Amazon Credit Card for Prime Subscribers

Best for people who:

• Are already Amazon Prime members.
• Spend upward of $6,000 per year on Amazon products.
• Spend more than $119 per year on shipping for Prime-eligible products.
• Frequently shop at Whole Foods.
• Live in an Amazon same-day shipping hub.

The Amazon Prime Rewards Visa Signature Card is the best credit card for Amazon purchases. It has No Annual Fee (other than the $119 Amazon Prime subscription) and comes with a $70 Amazon.com gift card upon approval. It also offers a significant 5% cash back on purchases at Amazon.com and Whole Foods. Purchases at restaurants, gas stations and drugstores earn you 2% back, and you'll receive 1% back for all other spending.

Great if You're Already a Prime Member

If you already subscribe to Amazon Prime for its other benefits, such as free two-day shipping (or same-day shipping in some areas) and access to the Amazon Prime video-streaming service, adding this card to your wallet is a free way to optimize your spending. Its 2% and 1% cash-back categories aren't bad, but they also don't set it apart from most other rewards cards on the market. The real benefit of the card is the opportunity to earn 5% back on Amazon and Whole Foods purchases.

However, if you don't think you order enough from Amazon to warrant paying for Amazon Prime, we don't think you should sign up for it just to qualify for this Amazon card. There are other good cards with no annual fee and no Prime subscription required, including the Amazon Rewards Card.


The Best Amazon Credit Cards if You Don't Have Prime

Best for people who:

• Don't want Amazon Prime.
• Spend less than $6,000 per year at Amazon.com and Whole Foods.
• Buy a lot of products from Amazon that aren't eligible for Prime shipping.

The Amazon Rewards Card is essentially a light version of the Amazon Prime Rewards Visa Signature Card. All spending categories earn you the same 2% to 1% back that you would get with the Amazon Prime Rewards Visa Signature Card, with the exception of purchases on Amazon.com and at Whole Foods, where you'll only receive a 3% credit for your purchases rather than 5%. Also, the Amazon Rewards Card comes with a $50 Amazon gift card upon approval instead of the $70 gift card you'd receive with the Amazon Prime Rewards Visa Signature Card.

Good if You Don't Have Prime

No Amazon Prime subscription is required to qualify for the Amazon Rewards Card, meaning you'll profit from your very first purchase. For example, somebody who spends $4,000 per year at Amazon and Whole Foods would earn $120 back on those purchases with the Amazon Rewards Card, but only $81 with the Amazon Prime Rewards Visa Signature Card once you deduct the cost of Amazon Prime. However, this does not take into account any money you could have saved in waived shipping fees through an Amazon Prime subscription, so figuring out which card is best for you really depends on the total amount you spend and whether the products you regularly order are eligible for Prime shipping. In most cases, the Amazon Prime Rewards Visa Signature Card is the better choice.


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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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