Amazon Payment Methods: Complete List for 2026

Amazon accepts all major credit and debit card networks: Visa, Mastercard, American Express, and Discover. Both credit and debit cards are accepted for standard purchases. Prepaid debit cards from these networks are generally accepted, provided they have a billing address attached. You can save multiple cards in your Amazon account and select your preferred card at checkout.

The CFPB notes that credit card purchases provide stronger dispute protections than debit cards under the Fair Credit Billing Act — if a product is not delivered or is significantly different from what was described, you may be able to dispute the charge with your card issuer. Debit card disputes are handled under the Electronic Fund Transfer Act, which has different liability rules. For a look at how debit cards work mechanically, our guide on how a debit card works explains the transaction process.

Amazon offers its own co-branded financial products that integrate directly with your Amazon account. These include the Amazon Store Card (a closed-loop store credit card for Amazon purchases only) and the Amazon Prime Visa (a Visa-network card usable anywhere Visa is accepted, with rewards optimized for Amazon spending). Both require a credit application and are subject to approval based on creditworthiness. Amazon Prime Visa is available to Prime members.

Amazon also issues Amazon Gift Cards, which are one of the most flexible payment options on the platform. Gift cards can be used for virtually any Amazon purchase and can be combined with other payment methods at checkout. They cannot be redeemed for cash and are not FDIC-insured. If you use an American Express card for Amazon purchases, our guide on the American Express credit card covers the card's benefits and protections.

As of 2026, Amazon's primary buy now, pay later partner is Affirm. Eligible customers may see the option to pay with Affirm at checkout for qualifying purchases, splitting the cost into monthly installments. Affirm performs a soft credit inquiry (which does not affect your credit score) to determine eligibility. Some Affirm plans offer 0% APR for a promotional period; others carry interest. Review the full terms before selecting any installment plan.

The CFPB has studied the BNPL market and notes that consumers should understand the payment schedule and any fees for missed payments before using BNPL products. BNPL purchases on Amazon may have different dispute rights than credit card purchases — review Affirm's dispute process and Amazon's return policy before completing a large installment purchase. For a broader look at BNPL options in the market, our guide on buy now pay later explains how these products compare.

Amazon accepts SNAP (Supplemental Nutrition Assistance Program) EBT cards for eligible grocery and food items through Amazon Fresh and select grocery items on Amazon.com. Not all items are eligible for SNAP purchase — only food items that qualify under SNAP rules may be purchased with an EBT card. Non-food items, alcohol, vitamins, and prepared foods may not be eligible. You can link your EBT card in your Amazon account settings.

SNAP benefits are administered by the U.S. Department of Agriculture (USDA) and state agencies. Your Amazon EBT purchases do not affect your SNAP benefit balance beyond the actual purchase amount. Shipping fees and other non-food charges must be paid with a different payment method if your EBT card does not cover them.

Amazon accepts HSA (Health Savings Account) and FSA (Flexible Spending Account) debit cards for eligible health-related purchases. Amazon maintains a dedicated HSA/FSA store that lists items confirmed eligible for purchase with these cards, including medical supplies, certain over-the-counter medications, and health equipment. The IRS defines which items qualify for HSA and FSA purchases — purchases of ineligible items with these cards may result in taxes and penalties.

Several major payment options are not accepted directly on Amazon.com as of 2026. PayPal is not accepted on Amazon.com — this is a notable exclusion given PayPal's widespread merchant acceptance. Afterpay, Klarna, and most other third-party BNPL providers are not directly supported. Cash, money orders, and personal checks are also not accepted for standard purchases.

Amazon Pay — Amazon's own payment service — allows Amazon customers to use their Amazon account payment methods at participating third-party websites, but it cannot be used to pay on Amazon.com itself. Payment method availability may change as Amazon updates its accepted payment options. Always verify current accepted methods on Amazon's help pages before assuming a payment method will work. For those who want to use PayPal for online shopping, our guide on whether you can use PayPal on Amazon explains the current situation.