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Maximizing Credit Card Rewards: How to Shop on Amazon

Credit card rewards programs are more popular than ever, with millions of people earning points and cashback every day. One of the most popular ways to redeem these rewards is by using them to shop on Amazon.

While this can be a great way to save money on your purchases, it’s important to understand how to use credit card points on Amazon effectively. In this article, we’ll cover everything you need to know, including the best programs to use, what you can purchase with points, and whether shopping on Amazon with rewards points is a good idea.

Using Credit Card Points on Amazon

If you’re looking to use your credit card points on Amazon, you’re in luck. There are a number of programs that allow you to do just that, including American Express Membership Rewards, Chase Ultimate Rewards, Citi ThankYou, Discover, and the

Amazon Visa.

The process for using your points will vary depending on the program you’re enrolled in, but generally, you’ll need to link your credit card account to your Amazon account. Once you’ve done that, you’ll be able to select which rewards program you want to use and how many points you want to redeem.

Best Programs to Use for Shop with Points

One of the best programs to use for shop with points is the

Amazon Visa. With this card, you can earn 5% cashback on all purchases made on Amazon.com and at Whole Foods Market, as well as 2% cashback at restaurants, gas stations, and drugstores, and 1% cashback on all other purchases.

Another great program to use is Chase Ultimate Rewards, which allows you to transfer points to your Amazon account at a 1:1 ratio. Other popular programs include American Express Membership Rewards and Citi ThankYou, which both offer the option to use points on Amazon purchases.

What Can Be Purchased

Using Credit Card Points on Amazon

While most items on Amazon can be purchased using credit card points, there are a few exceptions. For example, you cannot use points to purchase Amazon gift cards or to pay for subscription services like Amazon Prime or Kindle Unlimited.

Additionally, if you have One-Click ordering enabled on your account, you will need to disable it in order to use your points to pay for your purchases. Is Shopping on Amazon a Good Use of Rewards Points?

Whether or not shopping on Amazon with your rewards points is a good idea depends on a number of factors, including the redemption value of your points and what other options are available to you. In general, it’s a good idea to compare the redemption value of your points across different programs and retailers to make sure you’re getting the most value for your rewards.

Additionally, if you’re a frequent Amazon shopper, using your points to pay for your purchases can be a great way to save money.

Amazon Visa

If you’re looking for a credit card that offers great rewards on Amazon purchases, the

Amazon Visa is a great choice. As mentioned earlier, you can earn 5% cashback on all purchases made on Amazon.com and at Whole Foods Market, as well as 2% cashback at restaurants, gas stations, and drugstores, and 1% cashback on all other purchases.

In order to be eligible for the

Amazon Visa, you must have a Prime membership, which costs $119 per year. However, if you’re already an Amazon Prime member, the benefits of the

Amazon Visa can make it well worth the cost.

Conclusion

In conclusion, using credit card points on Amazon can be a great way to save money on your purchases. However, it’s important to understand how to use your points effectively and compare the redemption value of your rewards across different programs and retailers.

If you’re looking for a credit card that offers great rewards on Amazon purchases, the

Amazon Visa is a great choice, as long as you already have a Prime membership. By following these tips, you can make the most of your credit card rewards and save money on your next Amazon purchase.

3) Discover

If you have a Discover credit card, you can also use your rewards points to shop on Amazon. The process is fairly simple and can be done through a 1:1 point conversion system.

Here’s what you need to know about using your Discover rewards points on Amazon.

How to use credit card points from Discover on Amazon

In order to use your Discover rewards points on Amazon, you will first need to log into your Discover account and navigate to the rewards center. From there, you can select “Redeem Rewards” and then choose the option to “Shop with Points.” Once you click on this option, you will be redirected to Amazon’s Shop with Points page, where you can link your Discover account and select the amount of points you want to use for your purchase.

It’s worth noting that not all Discover cards are eligible for this program, so be sure to check your specific card’s terms and conditions to confirm that you can use your points to shop on Amazon. If your card is eligible, you can earn a cashback bonus when applying your Discover rewards to your Amazon order.

4) Citi ThankYou

Citi ThankYou points are another popular rewards program that can be used to shop on Amazon. Here’s what you need to know about earning and using Citi ThankYou points on Amazon.

Cards that earn Citi ThankYou points

There are several Citi credit cards that earn ThankYou points, including the Citi Rewards+ Card, Citi Premier Card, and the Citi Prestige Card. These cards offer different earning rates and redemption options, so it’s important to select the card that best fits your spending habits.

How to use ThankYou points on Amazon

To use your Citi ThankYou points on Amazon, you will need to link your ThankYou account to your Amazon account. Once you’ve done that, you can select the number of points you want to use for your purchase at Amazon’s Shop with Points page.

You will then be redirected to a confirmation page, where you can view the details of your redemption and the points value. It’s important to note that the value of your ThankYou points can vary depending on how you choose to redeem them.

For example, if you use your points for a statement credit or travel purchases, you may get a higher redemption value than if you use them to shop on Amazon. However, if you’re a frequent Amazon shopper, using your ThankYou points to pay for your purchases can be a convenient way to earn rewards.

Conclusion

Earning and using credit card rewards points on Amazon can be a great way to save money on your purchases and earn valuable rewards for your spending. Whether you have a Discover or Citi credit card, using your rewards points on Amazon is easy and can help you get more value out of your rewards.

By following the steps outlined in this article, you can start using your credit card points to pay for your Amazon purchases and save money on your next shopping trip.

5) American Express Membership Rewards

If you have an American Express card that earns Membership Rewards points, you can use those points to shop on Amazon. Here’s what you need to know about using your Membership Rewards points on Amazon.

Eligible American Express cards

Most American Express cards earn Membership Rewards points, including the Platinum Card, Gold Card, and Green Card. However, some co-branded cards, such as the Delta and Marriott cards, do not earn Membership Rewards points.

It’s important to check your specific card’s terms and conditions to confirm that you can use your points to shop on Amazon.

How to link American Express card to Amazon

To link your American Express card to your Amazon account, you will need to go to Amazon’s Shop with Points page and click on the “Link your accounts” button. From there, you will be prompted to enter your American Express account information and link your accounts.

Once your accounts are linked, you can use the rewards calculator on Amazon’s site to determine the value of your Membership Rewards points.

Point value comparison between Amazon and travel booking

One thing to keep in mind when using your Membership Rewards points on Amazon is that the point value may be lower than if you were to use them to book travel. Depending on the card you have, you can potentially get a higher redemption value by using your points for flights, hotels, and other travel-related expenses.

However, if you’re not planning any travel in the near future, using your points to shop on Amazon can be a convenient way to earn rewards.

6) Chase Ultimate Rewards

Like American Express’s Membership Rewards program, Chase’s Ultimate Rewards program also allows you to use your points to shop on Amazon. Here’s what you need to know about using your Chase Ultimate Rewards points on Amazon.

Difference between linking Chase Ultimate Rewards points and using the Chase-branded Amazon credit cards

Chase offers two options for using your rewards points on Amazon: you can link your Ultimate Rewards account to your Amazon account or you can use a Chase-branded Amazon credit card. The benefit of linking your accounts is that you can use your Ultimate Rewards points to pay for your purchases, while the benefit of using the credit card is that you can earn additional rewards on your Amazon purchases.

It’s worth noting that not all Chase credit cards are eligible for the Amazon rewards program, so be sure to check your specific card’s terms and conditions to confirm that you can earn rewards on Amazon purchases.

Eligible Chase Ultimate Rewards cards

Most Chase credit cards that earn Ultimate Rewards points are eligible for the Amazon rewards program, including the Chase Sapphire Reserve, Chase Sapphire Preferred, and the Chase Freedom Unlimited. However, some co-branded cards, such as the United MileagePlus Explorer Card, do not earn Ultimate Rewards points and are not eligible for the Amazon rewards program.

Best use of Chase Ultimate Rewards points

While using your points to shop on Amazon can be a convenient way to earn rewards, the best use of your Chase Ultimate Rewards points is often to use them to book travel. Depending on the card you have, you can potentially get a higher redemption value by using your points for flights, hotels, and other travel-related expenses.

Additionally, if you have the Chase Sapphire Reserve card, you can get a 50% boost in point value when you use your points to book travel through the Chase Ultimate Rewards portal.

Conclusion

Using your credit card rewards points on Amazon can be a great way to save money on your purchases and earn valuable rewards for your spending. Whether you have an American Express or Chase credit card, using your rewards points on Amazon is easy and can help you get more value out of your rewards.

By following the steps outlined in this article, you can start using your credit card points to pay for your Amazon purchases and potentially earn even more rewards in the process.

7) Hilton Honors

Hilton Honors is a loyalty program that allows you to earn points for staying at Hilton properties, as well as for using Hilton credit cards and other Hilton partners. If you have a Hilton Honors account, you can also use your points to shop on Amazon.

Here’s what you need to know about using your Hilton Honors points on Amazon.

How to link Hilton Honors account to Shop with Points on Amazon

To link your Hilton Honors account to Shop with Points on Amazon, you will need to enroll in the Shop with Points program. You can do this by visiting the Shop with Points page on Amazon’s website and selecting “Enroll Now.” From there, you will be prompted to enter your Hilton Honors account information and link your accounts.

Once your accounts are linked, you can use your Hilton Honors points to pay for your Amazon purchases.

One-click purchase and other item exceptions

It’s important to note that you cannot use your Hilton Honors points to purchase Amazon gift cards or pay for subscription services like Amazon Prime or Kindle Unlimited. Additionally, if you have One-Click ordering enabled on your account, you will need to disable it in order to use your points to pay for your purchases.

Hilton Honors points value on Amazon

The value of your Hilton Honors points on Amazon will depend on the redemption rate offered by Amazon at the time of your purchase. Generally, Hilton Honors points have a lower value when used for non-hotel-related expenses, so it’s important to compare the point value to other rewards redemption options before using your points on Amazon.

Best use of Hilton Honors points

If you’re looking to get the most value out of your Hilton Honors points, it’s often best to use them for hotel bookings. Depending on the property and the time of year, you can potentially get a high redemption value for your points when booking hotel stays through the Hilton Honors program.

Additionally, Hilton Honors offers several other redemption options, including airline miles, car rentals, and experiences, so be sure to explore all your options before redeeming your points for Amazon purchases.

8) Removing credit card from Amazon

If you want to remove a linked credit card from Shop with Points on Amazon, you can do so by going to the “Payments” section of your Amazon account and selecting “Manage Payment Options.” From there, you can select the credit card you want to remove and click on the “Delete” button. It’s important to note that once you remove a credit card, any rewards points associated with that card will also be removed and cannot be used for future purchases.

Conclusion

Using your credit card rewards points on Amazon can be a great way to save money on your purchases and earn valuable rewards for your spending. Whether you have a Hilton Honors account or another rewards program, using your points on Amazon is easy and can help you get more value out of your rewards.

By following the steps outlined in this article, you can start using your credit card points to pay for your Amazon purchases and potentially earn even more rewards in the process. And if you ever need to remove a linked credit card from Shop with Points, you now know how to do so.

In concluding, this article has provided a comprehensive guide on how to use credit card rewards points to shop on Amazon. From the best programs to use for Shop with Points, how to link your credit card to Amazon, to the redemption value and comparison between Amazon and other reward redemption options, such as travel booking.

We’ve also covered eligible cards for each program, the best use of rewards points, and even how to remove credit cards from Amazon. The importance of this topic lies in the fact that using rewards points on Amazon can be a great way to save money and earn valuable rewards.

The key takeaway is that while there is no one-size-fits-all approach, by following the outlined steps and comparing your rewards program options, you can make the most of your credit card rewards and enjoy the benefits of rewards redemption.

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