Here are the best credit cards for shopping on Amazon

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Shoppers with an Amazon Prime subscription can access exclusive shopping benefits and bargains on a range of products including tech, household items, furniture and more. Even if you aren’t one of the 200 million Prime members, chances are you still occasionally shop from the online retail giant.

If you want to capitalize on your savings and get the most out of your Amazon purchases, consider using a credit card that offers rewards or cash back. Some of these cards also provide purchase protections like an extended warranty.

CNBC Select crunched the numbers to see which cards provide the biggest benefit for Amazon shoppers — Prime member or not. Here are the best cards for shopping on Amazon.

Who’s this for? The Blue Cash Preferred® Card from American Express is a great option for families and individuals who spend a good portion of their monthly budget on groceries and streaming subscriptions — but now it comes with a welcome bonus: Earn a $250 statement credit after you spend $3,000 in purchases on your new card within the first six months.

The Blue Cash Preferred card earns:

• 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
• 6% cash back on select U.S. streaming subscriptions
• 3% cash back at U.S. gas stations
• 3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses and more
• 1% cash back on other purchases
• Terms apply.

Although online retail stores like Amazon don’t earn bonus rewards, certain Amazon purchases will qualify for 6% cashback. Prime Video and Amazon music subscriptions qualify for 6% back under the streaming services category. And Whole Foods and Amazon Fresh are reported to qualify as U.S. supermarket purchases. Plus, you may be able to purchase Amazon gift cards at U.S. supermarkets to earn 6% cashback.

You can redeem your cash back for statement credits that directly reduce your account balance and helps offset the cost of everyday purchases.

Who’s this for? The Prime Visa card rewards users with an unlimited 5% cash back for all purchases at Amazon.com, Amazon Fresh, Whole Foods and through Chase Travel.

In addition, you can get 2% cash back on local transit and commuting, restaurants, gas stations and drugstores. All other purchases earn 1% cash back.

If you’ve been waiting for a reason to sign up for a $139 annual Amazon Prime membership, this card might be the deciding factor: New cardholders can currently get a $200 Amazon.com gift card. Unlike other welcome bonuses that require a minimum spend to cash in, the gift card is yours instantly upon approval.

Who’s this for? The Prime Store Card, available to those with a Prime membership, earns 5% back on Amazon.com purchases. However, unlike the other Amazon cards, you do not earn cash back at Whole Foods or any other purchase.

There’s an added benefit to this card if you’re looking for ways to pay for your orders over time: Cardholders have the option to forgo 5% cash back on their Amazon purchase over $150 in exchange for the ability to pay for their purchases over six, 12 or 24 months with 0% interest.

You need to be careful with this card: In order to avoid interest charges, you must make equal payments on time and in the full amount each month. If you don’t pay off the full amount by the end of your promotional period, you will have to pay deferred interest.

For example, say you purchase a new laptop for $700, you could split the payments up over 12 months, at roughly $58 per month. But if you take advantage of the financing, you wouldn’t receive the 5% cash-back reward (worth $35) on that $700 purchase.

If you do decide to take advantage of the interest-free financing, make sure you have a plan to pay off the balance in full before the promotional period ends so you don’t get whacked with high interest charges, thereby undoing any savings you enjoyed through your Prime membership.

Who’s this for? If you don’t have an Amazon Prime membership but still frequently use the website to shop, another option is the Amazon Visa.

This credit card offers 3% back at Amazon, Amazon Fresh, Whole Foods and Chase Travel, along with 2% back at restaurants, gas stations and local transit and commuting and 1% on all other purchases, so you can earn plenty of rewards even if you’re not an everyday Amazon shopper.

To take advantage of Prime Day deals, you can sign up for a free 30-day trial membership of Prime and consider applying for the Amazon Visa card, which doesn’t require you to have a Prime membership.

New cardholders get a $50 Amazon gift card once their application is approved. This card also has no foreign transaction fee.

If you later decide to become a Prime member, you’ll be upgraded to the Prime version of this card, but you won’t qualify for the welcome bonus.

Who’s this for? If you want to stick with a credit card that earns you rewards on all spending (not just Amazon and Whole Foods), and you love to travel, consider the Chase Sapphire Preferred® Card.

If you’re planning to make a big purchase from Amazon, it could be a good way to help you earn the Sapphire Preferred card’s welcome bonus: New Sapphire Preferred cardholders can earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening.

This offer is only available to consumers who don’t have any Sapphire cards (Preferred or Chase Sapphire Reserve®) and haven’t received a new card member bonus for either Sapphire card in the past 48 months. (Read about the eligibility requirements.)

Although the card earns just 1X points on Amazon purchases, cardholders enjoy purchase protection and extended warranty protection. Purchase protection covers your purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account. Meanwhile, the extended warranty protection adds an additional year for eligible warranties of three years or less.

Who’s this for? The Citi® Double Cash Card is for shoppers who want to maximize their money by earning 2% cash back on all spending everywhere (not just Amazon and Whole Foods).

Here’s how it works: Earn 1% cash back on purchases and 1% when you pay off your bill. That makes the card’s appeal almost universal, as there are no hoops to jump through or bonus categories to keep track of.

There’s also no annual fee and no limit to how much cash back you can earn. Cardholders can redeem cash back for statement credits, a mailed check or direct deposit, gift cards, travel or merchandise. Plus, if you have another Citi ThankYou points earning card like the Citi Premier® Card (see rates and fees), you can transfer your points to all of Citi’s travel partners like Air Canada and Turkish Airlines, where you can really maximize the value of your points.

Cardholders can benefit from 0% intro APR for the first 18 months on balance transfers (then a 18.99% – 28.99% variable APR). You have to initiate your balance transfer within 4 months of opening an account.

In addition to cash-back rewards, Citi Entertainment℠, gives cardholders first access to purchase tickets for thousands of concerts and events. The card also provides access to Citi® Identity Theft Solutions, a service that will help you if you’re a victim of identity theft.

Who’s this for? Many of the best cash-back cards require good or excellent credit, but there are some options for people with fair/average credit that offer good cash-back rates.

One example is the Capital One QuicksilverOne Cash Rewards Credit Card that gives consumers a competitive 1.5% cash back on all purchases, with no limit on the amount of cash back you can earn. You can redeem cashback at any amount, without the typical $25 minimum of some other cards set. Plus, there are no foreign transaction fees if you use this card abroad.

For rates and fees for the Blue Cash Preferred Card, click here

Information about Amazon credit cards has been collected independently by Select and has not been reviewed or provided by the issuer prior to publication; if you purchase something through Select links, we may earn a commission.