Prime Visa (Amazon)

Only worth it if you already pay for Prime, since the 5% at Amazon and Whole Foods is gated behind that membership; lapse it and the rate drops. For a household spending $4,000 a year on Amazon that's $200 back, plus bonus rates at restaurants and gas and no annual fee on the card itself. If you don't keep Prime, a flat 2% card earns more on the same Amazon spend. Reward rates have shifted before, so confirm the current structure on amazon.com.

Prime Visa (Amazon) at a glance

Rewards & perks

• 5% back at Amazon and Whole Foods
• No foreign purchase fee
• Visa Signature benefits

Pros

• No annual fee, though Prime is required
• Earns a lot at Amazon
• No foreign purchase fee

Cons

• The 5% rate depends on having Prime
• Counts against Chase 5/24

Who should apply

• A current Amazon Prime membership to get 5%
• A good credit score

Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official Amazon / Chase site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.