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These cards offer a percentage of the purchase amount back to the cardholder, effectively reducing the cost of items purchased on the e-commerce platform. For instance, a card offering a 3% return on purchases made at the online retailer would credit $3 back to the cardholder for every $100 spent.

The appeal lies in the opportunity to accumulate rewards on frequent purchases, leading to potential savings over time. This can be especially beneficial for those who regularly shop on the platform. Historically, these cards have provided a valuable incentive for customers to remain loyal to a specific retailer and payment system.

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The phrase refers to the percentage of purchase value that is returned to the cardholder as a reward when using an Amazon-branded credit card for eligible transactions. For instance, a “3% ” would mean that for every $100 spent, the cardholder receives $3 back, typically in the form of points, statement credits, or cash back. The specific value of these rewards can differ based on the card type and where the purchase is made.

Understanding this figure is important for cardholders to maximize the financial advantages offered by their credit cards. A higher number can lead to significant savings over time, especially for frequent Amazon shoppers. The existence of differing percentages based on purchase location (e.g., Amazon.com vs. restaurants) necessitates careful consideration of spending habits when choosing a credit card. Historically, such reward programs have evolved as competitive tools for financial institutions to attract and retain customers.

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