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02.
1.5%–2%

Flat-Rate Cashback Cards

If you don't want a store-branded card — or you can't get Prime — a general 2% cashback card earns on Amazon and every other retailer with no bonus categories to activate and no spending caps to plan around.

How it works

  1. 01.

    Pick a card with a flat rate of 1.5% or 2% on all purchases (Citi Double Cash, Wells Fargo Active Cash, Fidelity Rewards Visa, SoFi Unlimited 2%).

  2. 02.

    Use it as your default card for Amazon and everywhere else.

  3. 03.

    Redeem earned cashback as a statement credit, direct deposit, or brokerage deposit depending on the issuer.

Best for

Shoppers who split spending across many retailers, don't want another Prime-linked product, or already have a Prime Visa and want a backup card for non-Amazon spend.

Watch out

Flat 2% loses to the Prime Visa's 5% on Amazon itself. Use one of these as your everywhere-else card, not necessarily your Amazon card.

Other cashback methods

Amazon Prime VisaCashback Portals & Extensions