Do Subscribe & Save orders earn credit card rewards?

They are Amazon.com purchases, so the ordinary Amazon rate on your card applies. On the Prime Visa that is 5% back at Amazon with an eligible Prime membership.

Which card is best for Amazon subscriptions?

The one paying the highest eligible rate at Amazon.com that you will actually pay in full each month. Among the Amazon cards, the Prime Visa's 5% with an eligible Prime membership is the highest published rate.

Can you use the Amazon Store Card for Subscribe & Save?

The Store Card can be used at Amazon and the sites Amazon lists, so an Amazon.com subscription order is within its reach. Whether it is the right card is a separate question that depends on the rate and on your wider spending.

How much do Amazon subscriptions earn in a year?

Multiply your monthly subscription spend by twelve, then by the rate. At $120 a month, a year is $1,440, which at 5% is $72 and at 1% is about $14.

Does changing your Amazon default payment method affect existing subscriptions?

Existing subscriptions carry their own payment method, so check them individually rather than assuming a new default applies retroactively.

Subscribe & Save

The right card for your subscriptions

Recurring spending is the most predictable spending you have, which makes the rate on it worth setting once and forgetting.

The short answer

Which card should your Amazon subscriptions be on?

Whichever pays the most at Amazon.com and gets paid in full. A Subscribe & Save order is an ordinary Amazon.com purchase, so the Prime Visa’s 5% back (Chase — Prime Visa, verified 2026-08-11) applies with an eligible Prime membership. Set it once and it earns on autopilot.

The rates

What each Amazon card pays on a subscription order

Published Amazon rates on the three Amazon cards, applied to a Subscribe & Save order at Amazon.com.
Card	Rate at Amazon	Condition
Prime Visa	5% back	Requires an eligible Prime membership
Amazon Visa	3% back	No membership required
Amazon Store Card	5% back at Amazon.com and Whole Foods Market for cardholders with an eligible Prime membership	Amazon purchases only — Amazon.com, Amazon Go, Amazon Fresh, Audible, AWS, Alexa Skills, and your Amazon Prime membership charge
Prime Visa without an eligible membership	3% back at Amazon.com, Whole Foods Market and the participating Amazon stores and sites without an eligible Prime membership	The rate the card falls to if the membership lapses

Sources: Chase — Prime Visa · Chase — Amazon Visa · Yahoo Finance — Amazon Store Card review · verified 2026-08-11 Includes figures confirmed against a corroborating source because the issuer’s own page could not be reached.

The full ranking, including non-Amazon cards, is on the best card for Amazon purchases. For a subscription basket specifically, the only thing that matters is the Amazon.com column, because that is where every one of these orders is placed.

The arithmetic

What a recurring basket earns over a year

The math

Monthly Subscribe & Save spend: $120
Annual spend: $1,440
Prime Visa rate at Amazon: 5%
Base rate on a 1% card: 1%

Annual spend = $120 x 12 = $1,440
At 5% = $72 a year
At 3% (no eligible Prime membership) = $43.20 a year
At 1% = $14.40 a year
Difference between the best and worst card here = $57.60 a year

On a $120-a-month subscription basket, choosing the right card once is worth about $58 a year, every year, for no ongoing effort.

Substitute your own monthly total; the structure does not change. This is the most reliable rewards arithmetic on the whole site, because subscription spending is the one category where next year genuinely does look like last year.

Source: Chase — Prime Visa · verified 2026-08-11

The catch

Three things that quietly change the answer

1. The subscription keeps its own payment method. Changing the default card on your Amazon account does not necessarily re-point subscriptions that already exist. If you switch cards, check each subscription rather than assuming. A failed payment on an auto-delivery is a bad way to find out.

2. The membership condition is live. The 5% depends on an eligible Prime membership. If it lapses, Chase publishes 3% back at Amazon.com, Whole Foods Market and the participating Amazon stores and sites without an eligible Prime membership (Chase — Prime Visa, verified 2026-08-12), and a recurring order will quietly earn less every month until you notice.

3. Interest beats the rate, comfortably. The purchase APR is 18.74%–27.49% variable (Chase — Prime Visa Pricing & Terms, verified 2026-08-13). A recurring charge added to a balance you carry costs more than it earns, permanently. If subscriptions are going onto a card with a revolving balance, the rewards question is not the important one — the arithmetic is on when holiday interest eats the 5%.

Sources: Chase — Prime Visa · Chase — Prime Visa Pricing & Terms · verified 2026-08-12

What does not change

Exclusions still apply to a subscription order

The published exclusions do not have a subscription carve-out. Chase states that points are not earned on purchases from merchants using Amazon Pay, on purchases at international Amazon retail sites, or on purchases made directly with travel suppliers including airlines, hotels, car rentals and cruises (Chase — Prime Visa, verified 2026-08-12), and that points are earned on purchases of products and services, minus returns or refunds (Chase — Prime Visa, verified 2026-08-12).

In practice, that means two things for a recurring basket. Keep the orders on Amazon.com rather than through any third-party route, and expect the points on a returned delivery to reverse in the usual way.

Everything else about the program stays as Amazon publishes it: shipping is always free (Amazon — Subscribe & Save, verified 2026-09-06), and skip your deliveries or cancel your subscriptions at any time by visiting Manage Your Subscriptions (Amazon — Subscribe & Save, verified 2026-09-06). The card is a layer on top of the program; it does not change the program.

Sources: Chase — Prime Visa · Amazon — Subscribe & Save · verified 2026-08-12

See the current Prime Visa offer Compare every card at Amazon

#ad New cardmembers only, subject to approval. The 5% rate at Amazon requires an eligible Prime membership. Chase's rates and exclusions change without notice. We earn a flat fee if you sign up through this link, at no cost to you. How we’re paid.

Common questions

Do Subscribe & Save orders earn credit card rewards?: They are Amazon.com purchases, so the ordinary Amazon rate on your card applies. On the Prime Visa that is 5% back at Amazon with an eligible Prime membership.
Which card is best for Amazon subscriptions?: The one paying the highest eligible rate at Amazon.com that you will actually pay in full each month. Among the Amazon cards, the Prime Visa's 5% with an eligible Prime membership is the highest published rate.
Can you use the Amazon Store Card for Subscribe & Save?: The Store Card can be used at Amazon and the sites Amazon lists, so an Amazon.com subscription order is within its reach. Whether it is the right card is a separate question that depends on the rate and on your wider spending.
How much do Amazon subscriptions earn in a year?: Multiply your monthly subscription spend by twelve, then by the rate. At $120 a month, a year is $1,440, which at 5% is $72 and at 1% is about $14.
Does changing your Amazon default payment method affect existing subscriptions?: Existing subscriptions carry their own payment method, so check them individually rather than assuming a new default applies retroactively.

The best card for Amazon purchases — the full ranking this page applies to one recurring basket
Getting to the five-item discount — the other half of what a subscription basket is worth
The Prime Visa by annual spend tier — where recurring spending lands you on the tier table
The Amazon points calculator — for running your own subscription total through the rates

Written by Stephen V. — An enthusiast who's genuinely into this. I read the terms, compile the published rates, and do the math. No lab coat, no credentials, no test lab.

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Last verified: 2026-09-06