ADVERTISER DISCLOSURE: The Frugal Tourist is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com and Cardratings. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. All information about the American Express Schwab Platinum has been collected independently by The Frugal Tourist.
EDITORIAL DISCLOSURE: Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed, or approved by any of these entities.
Amazon’s Shop with Points perk enables shoppers to redeem points from their loyalty rewards programs towards purchases on Amazon, providing an additional way to save money when using points.
You can access rewards points from numerous banks and credit cards with Amazon’s Shop with Points.
It takes only a few clicks to link your bank account or credit card directly to your Amazon account, so you can start using your points immediately.
Once your accounts are linked, you can use your points as payment at checkout.
However, there are a few key points to consider when redeeming your points on Amazon, and I will provide strategies on how to maximize this promotion.
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
April 2025 Promo
The promotions included in this section are the ones for which I was eligible.
Please check the buttons above for other promotions for which you may 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 www.amazon.com/shopwithpoints 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 registering your other eligible loyalty programs with Shop With Points.
It appears 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 program, you will start seeing banners like the one below, indicating 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 the Charles Schwab Amex Platinum card, which offers 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, ensure you use only the minimum amount Amazon requires, typically 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, ensure that all your loyalty programs are linked to Amazon.
We announce Amazon Shop With Points Promotions in our free Travel Miles and Points Facebook Group. Join us!
How Do I Determine If or When I Am Targeted?
You will need to link your credit cards with Amazon Shop With Points before you can access targeted offers.
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 using only the minimum number of points required, which is 1.
1 Point = $0.01
Amazon does a great job of providing a detailed breakdown of your Shop With Points transactions.
Please verify the information before proceeding with your purchase.
Sometimes, specific programs require an amount greater than $0.01, so be sure to read the terms of the promotion thoroughly before checking out to ensure you are eligible for 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 encountered an issue where I was unable to trigger the discount when using 1 point (0.01 cent). However, when I changed the amount to $5.50 (786 points), the transaction proceeded 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 Amazon fulfils them, products sold by third-party sellers are not eligible for this promotion.
Products not sold directly by Amazon, as well as digital content purchases, are ineligible for this promotion.
When it’s time to pay, check if your purchases have activated 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 who 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, ensure that you update your payment method to the “points” credit card that currently has a Shop With Points promotion and enter the number of points you would like to redeem.
Step 4:
Ensure that you only use one point (0.01 cent) from the loyalty program for which you were targeted.
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, however, the required number of points is higher, so be sure to check the terms of the promotion and try 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 at the time. 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. Additionally, reaching out to the bank requires a significant amount of 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 making a purchase.
Step 6:
Ensure that all other details, such as shipping address and payment method, are correct.
Before purchasing, Amazon will indicate whether you are eligible for a discount or not.
If you can see that you have successfully activated the offer, proceed with the purchase.
If not, you can review the previous steps to ensure you completed them correctly.
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 to points.
If you do not manually update your preferred payment method for your next purchase, Amazon will use your points as the default payment source.
Therefore, ensure that you update your payment method to a different credit card before making your next purchase at checkout.
Compare Shop With Points With Other Deals
Generally, it is recommended to check other options before redeeming your points on Amazon.
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 would then use a different payment method for my other purchases, ensuring I always get a significant return on each dollar that comes out of 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 Amazon.com reserves the right to cancel or modify 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 select products, so please ensure you select the correct items before checking 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.
Please reset it to your preferred payment source when making 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.
Remember to always compare your other options before redeeming your points, and be on the lookout for exclusive discounts from Shop With Points.
Most importantly, ensure that you only use the minimum required number of points at checkout.
Without a doubt, 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.
ADVERTISER DISCLOSURE: The Frugal Tourist is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com and Cardratings. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. All information about the American Express Schwab Platinum has been collected independently by The Frugal Tourist.
EDITORIAL DISCLOSURE: Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed, or approved by any of these entities.
USER-GENERATED CONTENT DISCLOSURE: The comments section below is not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all questions are answered.
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.
