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Written by
Ariana Arghandewal
Ariana Arghandewal is a personal finance expert specializing in credit cards and travel rewards. She is passionate about helping people leverage credit card rewards to realize their travel goals.
Edited by
Rebekah Rosado-Evans
Rebekah is an Editor II on the Bankrate credit cards education team. She loves sharing educational insight with those who are looking to learn more about their personal finances.
Rebekah comes with over 13 years of both writing and editing, covering a range of topics.
Outside of work, Rebekah loves writing creatively, finding new recipes to cook and — most of all — being a parent.
Rebekah’s first credit card was a Bank of America card — with a Hello Kitty design to boot. She opened the card when she was in college and since then has learned how to wield the power of credit card rewards (and she’s ditched the Hello Kitty designs). Rebekah’s goal is to share valuable insight with others in the credit card and personal finance space.
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Amazon cardholders with an Amazon Prime membership can take advantage of a little-known benefit: Up to 25 percent cash back. To qualify for the Prime Card Bonus promotion of 10 to 25 percent cash back, Amazon cardholders (who are also Prime members) must make an eligible purchase on select Amazon products — these are referred to as “Top Picks.”
Here’s everything you need to know about Amazon’s Prime Card Bonus deals, including how to determine if you’re eligible, locating the qualifying products and how the deal is applied.
Currently, three Amazon credit cards are eligible for up to 25 percent cash back on select items:
None of the cards require an annual fee, but you’ll need to have an Amazon Prime membership, which currently costs $139 per year.
Anyone with one of these eligible Amazon credit cards can earn up to 25 percent cash back by purchasing products on the Prime Card Bonus page, which you can filter according to department, cash back amount or product rating.
Usually, the Prime card bonus is 10 percent to 15 percent back on select products in different categories. However, the discount does increase to 25 percent for a limited time at certain points throughout the year. The increased cash back often coincides with the holiday shopping season, so it’s wise to regularly check Amazon’s Prime Card Bonus page for items eligible for higher cash back.
The 25 percent back includes the 5 percent cash back you’d normally earn on Amazon purchases with the Prime Visa or the Amazon Prime Store Card.
For example, if you see a deal for 15 percent back on a Sony TV, you’ll earn 15 percent cash back total on that purchase with your eligible credit card, not 15 percent cash back plus the 5 percent cash back you’d normally earn with your card on Amazon purchases.
The bonus cash back rewards will be posted to your account within a week of the transaction and be available to use within one to two billing cycles.
When you navigate to Amazon’s Prime Card Bonus page, the qualifying purchases can be narrowed down by selecting “25% back total” in the left column. If you don’t see a “25% back total” option, you’ll have to check back or select a lower cash back deal. Categories typically include electronics, office supply products, toys, beauty products, kitchen appliances, furniture and more. The electronics category can be particularly valuable, with bonus cash backfrequently offered on select phones, laptops, tablets and more. In the home and kitchen category, you can enjoy cash back on essential household appliances — past items have included Breville espresso machines and Vitamix blenders — and select furniture items.
Considering the cost of some of these products, up to 25 percent off by means of cash back can translate to substantial savings. Plus, many of these products are already on sale, making the Amazon cash back bonus even more attractive.
