Amazon has strategically expanded its co-branded credit card offerings across multiple markets, partnering with leading financial institutions to deliver region-specific rewards and benefits. As of 2025, Amazon credit cards are available in five key markets: the United States, United Kingdom, Germany, Austria, and the United Arab Emirates. Each card is tailored to local consumer preferences while maintaining Amazon's core value proposition of cashback rewards and seamless shopping integration.
United States: The Original Amazon Credit Card
The US market offers the most established Amazon credit card program, launched in partnership with Chase Bank. American cardholders can choose between two options:
Amazon Prime Rewards Visa Signature Card
- 5% back on Amazon.com and Whole Foods Market purchases for Prime members
- 2% back at restaurants, gas stations, and drugstores
- 1% back on all other purchases
- No annual fee (Prime membership required for maximum benefits)
Amazon Visa Card (for non-Prime members)
- 3% back at Amazon.com and Whole Foods Market
- 2% back at restaurants, gas stations, and drugstores
- 1% back on all other purchases
For an in-depth analysis of features, fees, and whether the US Amazon credit card is worth it, read our comprehensive Amazon Credit Card US review.
or Apply for the US Amazon Credit Card →
United Kingdom: Barclaycard Partnership
The Amazon Barclaycard offers UK customers competitive rewards on their Amazon.co.uk purchases:
Caractéristiques principales :
- 3% cashback on Amazon.co.uk purchases for Prime members
- 0.5% cashback on purchases everywhere else
- No annual fee
- Accepted everywhere Mastercard is accepted
Apply for the UK Amazon Barclaycard →
The UK version integrates seamlessly with Amazon's UK marketplace, with instant cashback application at checkout when using saved payment methods.
Germany: Santander Amazon Visa Card
German shoppers benefit from Santander's partnership with Amazon, offering one of the most generous reward structures in Europe:
Benefits:
- 3% cashback on Amazon.de purchases for Prime members
- 0.5% cashback on all other purchases
- No annual fee
- Additional travel insurance and purchase protection
Get the German Amazon Visa Card →
The German card has proven particularly popular among frequent Amazon shoppers, with its straightforward reward structure and no-fee model appealing to cost-conscious consumers.
Austria: New Santander Partnership (2025)
In March 2025, Santander and Amazon announced the launch of the Amazon Visa credit card in Austria, marking the first expansion into this market. The Austrian card mirrors the successful German model:
Features:
- Rewards on Amazon purchases with no annual fee
- Seamless integration with Amazon.at
- Santander's established European banking infrastructure
- Enhanced security features and digital management
This expansion demonstrates Amazon's continued commitment to the German-speaking European markets and Santander's growing fintech footprint in the region.
United Arab Emirates: Emirates Islamic Partnership (October 2025)
The UAE represents Amazon's newest and most innovative credit card launch, marking the first Amazon co-branded card in the Middle East and North Africa region.
Amazon Emirates Islamic Mastercard Credit Card
Launched in partnership with Emirates Islamic and Mastercard, this Shariah-compliant card offers:
- Up to 6% back on Amazon.ae purchases (unlimited)
- Up to 2.5% back on all other purchases
- No annual fee - free for life
- Instant benefits - rewards credited immediately
- Welcome bonus for new cardholders
- 0% installment plans on Amazon.ae and select merchants
Exclusive Lifestyle Benefits:
Available in two variants (Mastercard World or Platinum), cardholders enjoy:
- Access to 1,000+ airport lounges globally
- Priceless Cities privileges
- Discounts on flight and hotel bookings
- Complimentary valet parking
- Concierge services
- Access to world-class golf courses
The UAE card stands out with its exceptionally high cashback rates (6% is among the highest globally for an Amazon card) and comprehensive lifestyle benefits that extend well beyond shopping rewards. As the first Islamic banking Amazon credit card, it's designed to serve the UAE's diverse consumer base while adhering to Shariah principles.
The fully digital application process and digital-first card management align with the UAE's position as a leading fintech hub in the region.
Comparing Amazon Credit Cards Globally
| Market | Partner Bank | Max Amazon Cashback | Other Purchases | Annual Fee |
|---|---|---|---|---|
| USA | Chase | 5% (Prime) | 1-2% | $0 |
| UK | Barclaycard | 3% (Prime) | 0.5% | £0 |
| Allemagne | Santander | 3% (Prime) | 0.5% | €0 |
| Autriche | Santander | TBA | TBA | €0 |
| UAE | Emirates Islamic | 6% | 2.5% | AED 0 |
Which Amazon Credit Card Market Offers the Best Value?
The UAE's 6% cashback rate currently leads globally, though the card's recent launch means long-term performance data isn't yet available. For established markets, the US card remains most competitive for heavy Amazon users due to its 5% rate combined with broader 2% categories.
UK and German cards offer solid 3% Amazon rewards but lower rates on non-Amazon spending (0.5%), making them best suited for Amazon-focused shoppers rather than everyday spending cards.
What About Other Markets?
Amazon has not yet announced credit card partnerships in other major markets including France, Italy, Spain, Canada, Australia, or Japan. However, the successful UAE and Austrian launches in 2025 suggest potential expansion into additional markets where Amazon has established marketplace operations.
The Future of Amazon Credit Cards
Amazon's strategic approach to credit card partnerships reveals several trends:
- Regional customization - Each card reflects local consumer preferences and regulatory requirements
- Premium lifestyle benefits - Newer launches (UAE) emphasize travel and lifestyle perks beyond cashback
- Digital-first experience - All recent cards prioritize mobile management and digital applications
- Strategic banking partners - Amazon selects established local or regional banks rather than a single global issuer
As e-commerce continues growing globally and digital payments become increasingly sophisticated, Amazon's credit card footprint will likely expand to additional markets, particularly in Asia-Pacific and Latin America where Amazon has marketplace presence but no co-branded cards.
Disclaimer: Credit card availability, terms, and benefits are subject to change. Always review current terms and conditions before applying. Affiliate links included.