Amazon Encourages Users to Pay with Debit in New Prime Reload Program

June 14, 2017, Written By Bill Hardekopf
Amazon Encourages Users to Pay with Debit in New Prime Reload Program

Amazon just launched a new program to encourage Prime members to use debit cards instead of credit cards. The Prime Reload Program provides 2% cash back when customers use a debit card to add funds to their accounts.

In part, this is a campaign to get people to sign up for Amazon Prime. This includes free two-day shipping for most Amazon purchases, but it comes with a $99 annual fee. Prime members also have access to such things as Prime Video, Prime Music and Prime Reading, Amazon’s e-book service.

If you are already a Prime member, you can set up 2% cashback in your Amazon dashboard. You will need to provide your bank account number, routing number, debit card number, and driver’s license number. Every time you load your Gift Card Balance with a debit card, you will get 2% extra added to the balance. So, if you upload $100, you will have $102 as a balance on your card.

The cash back feature does not work for direct debit card purchases. If you pay for an item using your debit card, not your Gift Card Balance, you will not get the 2% rewards. This may be Amazon’s way of pushing users to buy more items—if the money is already in the account, why not spend it?

According to the Terms and Conditions, this is a limited time offer. Users can only load up to $2,000 on their Amazon accounts at one time.

The information contained within this article was accurate as of June 14, 2017. For up-to-date
information on any of the terms, cards or offers mentioned above, visit the issuer's website.

About Bill Hardekopf

Bill Hardekopf is the CEO of and covers the credit card industry from all perspectives. Bill has been involved with personal finance for over 15 years. He is a frequent contributor to Forbes, The Street and The Christian Science Monitor.
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