{"id":346,"date":"2025-10-03T21:01:29","date_gmt":"2025-10-03T21:01:29","guid":{"rendered":"http:\/\/www.capitalskips.com\/?p=346"},"modified":"2025-10-06T12:10:10","modified_gmt":"2025-10-06T12:10:10","slug":"amazon-prime-day-2025-how-chase-and-amex-cardholders-can-maximize-their-point-value","status":"publish","type":"post","link":"http:\/\/www.capitalskips.com\/index.php\/2025\/10\/03\/amazon-prime-day-2025-how-chase-and-amex-cardholders-can-maximize-their-point-value\/","title":{"rendered":"Amazon Prime Day 2025: How Chase And Amex Cardholders Can Maximize Their Point Value"},"content":{"rendered":"
As Amazon\u2019s flagship shopping event, Prime Day, returns from October 7\u20138, many consumers will instinctively click the \u201cShop with Points\u201d button at checkout. However, for cardholders with Chase Ultimate Rewards\u00ae<\/a><\/span> or American Express Membership Rewards\u00ae<\/a><\/span> points, that impulse can cost them.<\/p>\n Instead, savvy shoppers should transfer points to travel partners for maximum redemption value. Or if they\u2019re keen on using points to offset an Amazon shopping spree, waiting to redeem points as a statement credit instead of through Amazon can unlock further value.<\/p>\n Even without a Prime Visa<\/a><\/span> card, there are strategies to boost point values and maximize savings. Let\u2019s break them down.<\/p>\n <\/p>\n <\/a><\/div>\n Up to 5X Reward Rate<\/p>\n Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime<\/span>Read More<\/a><\/p>\n<\/div>\n<\/div>\n Get a $150 Amazon Gift Card<\/p>\n<\/div>\n $0<\/p>\n<\/div>\n 19.49% – 28.24% Variable<\/p>\n<\/div>\n Good, Excellent\t(670 – 739)<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n <\/p>\n Redeeming a block of points at Amazon checkout can feel tempting, especially when watching your cart balance shrink. But for many cards outside Amazon\u2019s co-branded lineup, the point redemption rates are often weak in comparison to other redemption options.<\/p>\n For example, Chase allows cardholders to redeem Ultimate Rewards points to pay for Amazon purchases, but only at 0.8 cents per point\u2014far below their potential value in other redemption methods. Certain American Express cards offer similarly low rates when you redeem Membership Rewards directly on Amazon, at 0.7 cents per point.<\/p>\n In short, your points can be worth much more when redeemed for travel or through transfer partners. That\u2019s why your motto for Prime Day should be: Don\u2019t use them yet.<\/p>\n Here\u2019s what you should do before and during the Prime Day sales:<\/p>\n You don\u2019t need the Prime Visa to make the most of Prime Day. Here are extra strategies to maximize rewards if that card isn\u2019t in your wallet.<\/p>\n Use a rewards card that offers elevated earnings in categories where Amazon or gift cards are sold. For example, you can buy Amazon gift cards at a retailer that triggers your card\u2019s bonus category, then use those gift cards during Prime Day to stack rewards.<\/p>\n Certain cards also offer higher rewards on online retail purchases. For example, the Blue Cash Everyday\u00ae Card from American Express<\/a><\/span> (Terms apply, rates & fees<\/a>) earns 3% cash back at U.S. supermarkets, U.S. online retail purchases, and U.S. gas stations (on up to $6,000 in each category per year in eligible purchases, then 1%), and 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout with a $0. This makes it a solid option at checkout if you want to earn the most back on your Prime Day spending. <\/p>\n Additionally, suppose you have the Discover it\u00ae Cash Back<\/a><\/span>. Cardholders receive 5% cash back on everyday purchases at different places each quarter up to a quarterly maximum when activated. Plus, earn unlimited 1% cash back on all other purchases. Amazon is one of the elevated bonus categories this quarter, meaning you can earn this rate on up to $1,500 in spending for a total of $75 in extra cash back. This amplifies your total savings, all for a $0 annual fee.<\/p>\n Before checking out, see if there\u2019s a shopping portal that offers bonus cash back on Amazon transactions. Even a 2X or 3X multiplier can stack with your card\u2019s base rewards.<\/p>\nPrime Visa<\/h3>\n<\/div>\n
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Why Paying With Points on Amazon Can Be a Value Trap<\/h2>\n
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Even Without the Prime Visa, You Can Still Win<\/h2>\n
Take Advantage of Bonus Categories<\/h3>\n
Use Shopping Portals and Targeted Offers<\/h3>\n