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Amazon’s Shop with Points perk allows shoppers to use points from their loyalty rewards programs towards purchases on Amazon, giving us another way to save money when we use points.

You can access rewards points from numerous banks and credit cards with Amazon’s Shop with Points.

All it takes is a few clicks to link your bank account or credit card directly to your Amazon account so that you can start using your points right away.

Once your accounts are linked, you can use your points as payment at checkout.

However, there are a few things to remember when redeeming your points on Amazon, and I will offer strategies on how to get the most value out of them.

In this guide, I will walk you through redeeming your points using Amazon’s Shop With Points program and provide tips on getting the best return on your points. 

But most importantly, I will teach you when you should use your points and when you should not.

Let’s get started!

Current Shop With Points Promos

American Express Membership Rewards

Chase Ultimate Rewards

Citi ThankYou Points

My February 2024 Promo

The promos included in this section are the ones that I was eligible for.

Please check the buttons above for other promotions you might be eligible for.

Link: American Express Shop With Points Promotion

I could not get $0.01 to trigger the promotion, so I typed in $5.50, which worked. I encourage you to try out lower amounts.

The maximum amount I was eligible for was $28.22, which I find quite odd. I do not remember using this offer in the past few months. Nevertheless, I’m grateful for the discount.

Which Loyalty Programs Are Participating in Amazon’s Shop With Points Program?

Some of my favorite loyalty programs that can be linked with Amazon’s Shop With Points program are as follows:

Amazon Shop With Points: Participating Loyalty Programs
American Express Membership Rewards
Chase Ultimate Rewards
Citi ThankYou Points
Capital One Rewards
Bilt Rewards
Discover Cashback

How Do I Link My Loyalty Program to Amazon?

Step 1:

Go to or click the button below.

Step 2:

Amazon will prompt you to log in to your Amazon account.

Step 3:

Once logged in, click the loyalty program you want to link with Amazon.

You can access the activation links for the most popular loyalty programs below:

Step 4:

Enter your credit card details.

Amazon will let you know if your specific credit card has rewards points that can be redeemed to pay for items on Amazon.

Once your accounts are linked, your loyalty rewards points will be available at checkout.

Heads up: Hold off on redeeming your points on Amazon for now. Later in this blog post, we will delve into a particular deal that we highly recommend using your well-deserved points on.

Step 5:

To increase the likelihood of receiving these offers, we recommend that you register your other eligible loyalty programs with Shop With Points.

It seems that Amazon accounts that are not currently enrolled in Shop With Points are not targeted to receive these discounted offers.

Once you have enrolled in the programs, you will start seeing banners like the image below, letting you know that you have been targeted for the Shop With Points promotion.

Is Redeeming on Amazon a Good Use of Points?

The answer is NO, except for one particular promotion.

For example, 10,000 American Express Membership Rewards Points will only yield $70 on Amazon ($0.007 per point).

You will get better value if you transfer your American Express points to airline partners or cash out via Charles Schwab Amex Platinum, which has a conversion rate of $0.011 per point.

Chase’s return is slightly higher but not high enough to use your points for it.

As per Amazon’s terms, when redeeming Chase Ultimate Rewards Points at checkout, each point is worth $0.008, which means that 100 points equals $0.80 in redemption value.

Without a doubt, you will get a better return if you transfer your Chase points to the World of Hyatt, United Mileage Plus, Singapore Airlines, or Flying Blue.

When Is It Recommended to Use Amazon’s Shop With Points?

While redeeming our rewards points on Amazon does not always provide the best deal, there is one particular offer where it is recommended to redeem some of your points.

Amazon regularly offers significant discounts to shoppers who use at least one reward point when making purchases.

These targeted deals are rolled out periodically, usually during holidays.

And that’s precisely what we recommend you do when redeeming your points – whenever you are targeted for a Shop with Points offer, make sure you only use the minimum amount Amazon requires, usually one point or 0.01 cent

In the example below, Amazon will give a 40% discount on eligible purchases when folks opt to use their Membership Rewards Points.

Who Is Eligible to Participate in Amazon’s Shop With Points Promo?

Not all consumers will be eligible to participate in Shop With Points promotions.

As stated above, to increase the likelihood that your account will be targeted in future Shop With Points offers, you must ensure that all your loyalty programs are linked with Amazon.

We announce Amazon Shop With Points Promotions in our free Travel Miles and Points Facebook Group. Join us!

Join Our Free Travel Miles & Points Facebook Group

How Do I Determine If/When I Am Targeted?

You will need to link your credit cards with Amazon Shop With Points before you can get targeted.

You must click any of the links under the “Current Shop With Points Promo” section above to determine whether you are currently targeted for a deal.

How Many Points Do I Use?

We recommend that you only use the minimum number of points required, which is 1. 

1 Point = $0.01 

Amazon does a great job of providing a breakdown of the details of your Shop With Points transactions.

Make sure that you verify the information before moving forward with your purchase.

Sometimes, specific programs require an amount greater than $0.01, so make sure you read the terms of the promotion thoroughly before checking out so you are guaranteed to earn a discount.

For example, Chase recently offered this promotion but required a minimum of 100 Chase Ultimate Rewards Points to activate the discount (see image below).

Lastly, if $0.01 does not trigger the discount even after you activate the promotion, it is best to try different amounts.

As mentioned above, I recently was not able to trigger the discount when I used 1 point (0.01 cent), but when I changed it to $5.50 (786 points), the transaction sailed through smoothly.

See the screenshots below.

Heads Up: Amazon automatically assigns the maximum amount of points you can redeem at checkout. Therefore, you will need to change the amount to $0.01 manually; otherwise, you risk depleting your entire stash of rewards points. 

What Items Are Eligible for Amazon Shop With Points?

Not all items are eligible to activate this discount.

The items you’re purchasing should be sold and shipped by Amazon.

Even if they are fulfilled by Amazon, products sold by third-party sellers are not eligible for this promotion.

Products not sold directly by Amazon and digital content purchases are ineligible for this promotion.

When it is time to pay, check if your purchases were able to activate the Shop With Points deal.

If they did not, you could still modify your cart to include items sold and shipped by Amazon.

Steps in Maximizing Amazon’s Shop With Points

Step 1: 

Determine if you are targeted for Shop With Points promotions by clicking the links under the section Current Shop With Points Promotions”.

You will need to enroll your credit cards and then link them individually to Amazon Shop With Points before you can be targeted for these offers.

Step 2:

If you are one of the people that received the targeted offer, click “Activate Promotion“.

If you are not currently targeted, don’t stress.

Amazon will gradually roll out these promotions to more users, so it’s best to check back frequently.

If you are not targeted after checking numerous times, resist the temptation to use your points to purchase items on Amazon.

It will not give the best bang for your buck. These offers come back pretty regularly.

Step 3: 

At checkout, make sure that you change your payment method to the “points” credit card that currently has a Shop With Points promotion and type in the number of points you would like to redeem.

Step 4:

Make sure to only use 1 point (0.01 cent) from the loyalty program you were targeted for.

For example, if you were targeted by American Express, type $0.01 when asked how many Membership Rewards points you would like to use.

Occasionally, though, the required number of points is higher, so make sure to check the terms of the promotion and try out different amounts if 1 point does not trigger the discount.

Still, it is a manual process that can confuse anyone who does not pay close attention.

Step 5: 

Verify if the information is correct.

It is worth mentioning again that Amazon will auto-populate the maximum number of points you can redeem, so you need to manually change the number of points you would like to use. Please see the example below – change the amount to $0.01.

Datapoint: I inadvertently authorized Amazon to use all of my Membership Rewards points towards a purchase, not realizing it initially. But once I saw the mistake, I contacted American Express and they graciously modified the transaction. Even though this worked out this time, I’m worried that it won’t be an option in future scenarios, not to mention that reaching out to the bank requires so much time. So, don’t be like me — pay close attention when Shopping With Points on Amazon. Ensure you only use $0.01 worth of loyalty points when paying.

Step 6: 

Ensure all the other details, such as shipping address, payment method, etc., are correct.

Before purchasing, Amazon will indicate whether you are getting the discount or not.

If you can see that you were able to activate the offer, continue with the purchase.

If not, you can go back and check if you did the previous steps incorrectly.

Shop with Points ensures you’re always aware of how much value your points provide and gives you total control over which rewards programs to use for your purchases.

Don’t Forget To Change Your Payment Method On Your Next Purchases

After activating this promotion, Amazon automatically sets your payment method as points. 

If you do not manually change your preferred payment method on your next purchase, Amazon will use your points as your payment source by default.

Therefore, make sure you change your payment method to another credit card before making your next purchase at checkout.

Compare Shop With Points With Other Deals 

Generally, checking other options before redeeming your points on Amazon is recommended.

This is because redeeming your points, even if it is just one point, may not always provide the best value.

For example, if you purchase an item at full price, using a new credit card that earns a generous welcome bonus may be more cost-effective.

My recommended strategy is only to purchase enough items to trigger the maximum discount on Amazon’s Shop With Points offer. 

For example, if you are targeted to receive 50% off with a maximum discount of $10, I’d try only to purchase items worth $20, just enough to earn the maximum discount.

I’d then use a different payment method for my other purchases, ensuring I always get a significant return for each dollar that comes from my wallet.

Shop With Points Terms and Conditions

Each time you activate a promotion, Amazon will outline the offer’s terms and conditions at the bottom of the page.

Here are the most important terms as spelled out by Amazon:

  • Shop With Points is a limited-time offer. The promotion will end on the earlier of (a) XX: XX pm PT on XX/XX/20XX, or (b) the time at which XX, XXX customers have redeemed the offer. The promotion button will expire simultaneously.
  • Please note that can cancel or change this offer without notice. This invitation-only offer cannot be redeemed for cash and may not be resold.
  • This offer is only eligible for customers who use loyalty points to make this purchase, and the promotion must be applied at checkout. Shop With Points deals may not be combined with other offers.
  • The discount applied to your order will be spread out among all the promotional items included in that purchase. If any of those items are later returned, you will only receive a refund for the original cost of that product minus the percentage of the total discount dedicated to that item. In other words, if you return an item, the remaining discounts on your original purchase will be lower than what was initially advertised.

Summary of Steps

According to Amazon, redeeming your promotional discount through their Shop With Points offers involves three steps.

Step 1: You Need To Activate The Promotion

You must access a link that has a Shop With Points offer.

Then, click the “Activate Promotion” button to activate this offer and apply points to your next order. 

You will not receive the promotion credit if you do not click this button.

Step 2: Add Eligible Products To Your Shopping Cart

Add products that are sold and shipped by Amazon to redeem this promotion.

This offer is only available on certain products, so make sure you purchase the correct items before you check out!

Step 3: Use Your Rewards Points To Pay At Checkout 

To redeem this offer, you must use points for at least a portion of your order.

Points will be temporarily set as your payment method at checkout, so reset it to your preferred payment source when paying for your subsequent purchases.

Pro-Tip Summary: DO NOT USE ALL OF YOUR POINTS. Instead, type “$0.01” or the minimum amount required by the promo.

Final Thoughts

Now that you know how and when to use Amazon’s Shop With Points using your points, you can start saving on your purchases.

Just remember to always compare your other options before redeeming your points, and look out for exclusive discounts from Shop With Points.

Most importantly, make sure to only use the minimum required amount of points at check out.

Amazon’s Shop with Points program is a great way to save money on purchases.

By following the tips in this guide, you can rest assured that you will earn the most value from your points by using the steps above.

Have you tried Amazon’s Shop with Points program?

What was your experience like? Let us know in the comments below.

Happy shopping!

EDITORIAL DISCLOSURE – Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. The content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.