Who Is Amazon Prime Best For
can be appealing to many types of consumers, including those who live in either urban and rural areas. It’s great for those who prefer shopping online rather than in person, those who want to keep their shopping all with one retailer, those who want free and quick shipping and for anyone who enjoys shopping at Whole Foods Market.
Even if only a few of Amazon Prime’s benefits appeal to you, their utility could make the cost of the service worth easily worth it. If you were to pay for even a few of the services individually you’ll likely be paying more than if you were just to subscribe to Prime itself.
That said, if you rarely order items online or aren’t interested in other Prime perks outside of quick shipping, you may be better off either paying the shipping cost per item or opting for a more affordable service like Walmart+. Alternatively, to be even more cost efficient, you could always ask a friend who already has an Amazon Prime account to order the product for you.
Amazon Rewards Visa Overview
The Amazon Rewards Visa card is good anywhere Visa is accepted and is a great option for those who want a rewards card and shop often on. With its easy to use cash back rewards, its no wonder the Amazon credit card makes our list of Top Store Credit Cards.
Like many cash back credit cards, The Amazon.com Rewards Visa earns points on all purchases.
For every $1 spent with your Amazon.com Rewards Visa card you earn up to 5 points for all purchases at Amazon.com, 2 points for purchases at gas stations, drug stores, and restaurants, and 1 point for everything else.
And this means that the Amazon rewards credit card officially gives you the same 5% discount rate as the Amazon Prime store card offers.
Also, since the store card could not be used on your Prime Now purchases, you can now earn 5% back on all your Amazon purchases.
And since Amazon claims to be the everything store, that is a lot of items you can earn 5% back on.
The chief benefit is that every point can be redeemed for $0.01 directly at the checkout window on Amazon.
The APR is very low on this card and theres no annual fee.
Yes, Prime costs $99 per year. But I know our family has gotten a lot of value from it.
Amazon Prime Rewards Visa Signature Card Overview
The Amazon Prime Rewards Visa Signature Card is one of the best online shopping credit cards due to its high reward rates on Amazon purchases with no spending caps and Visa Signature benefits.
The biggest drawbacks are the required Amazon Prime membership and a few missing purchase protectionsbut these are minor nitpicks compared to what many other store cards offer.
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Amazoncom And Amazon Prime Store Cards
If you don’t want or don’t qualify for either of the Amazon Rewards Signature Visa cards, the Amazon.com or Prime store cards may be a viable option for saving money on your Amazon purchases. Amazon store cards are not accepted at Whole Foods markets, unlike the Amazon Prime Rewards Signature Visa and the Amazon Rewards Signature Visa.
When you are approved for an Amazon.com store card, you receive a $60 gift card from Amazon.com, a bit less than the $100 gift card you receive for opening an Amazon Prime Visa card. The Amazon store card’s reward program is not as robust as its Visa Rewards Signature Visa card, but it does offer introductory financing opportunities for new cardholders.
Not Sure This Is The Card For You Consider These Alternatives
The Amazon Prime Rewards Visa Signature Card isnt a perfect fit for everyone. If youre looking for a new card but havent fallen in love yet, take a look at these other options.
- Citi® Double Cash Card: Consider this card if youre looking for a strong cash back rate on every purchase you make.
- Petal® 1 Visa® Credit Card: This is a decent starter card with no annual fee and the opportunity to earn cash back on some purchases.
- Discover it® Cash Back: This card is a good option for earning cash back wherever you shop.
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Another Amazon Card Option
I might be better off with the . You can get this card without subscribing to Prime. The Amazon Rewards card pays:
- 3% back at and Whole Foods Market.
- 2% back at restaurants, gas stations and drugstores.
- 1% back on all other purchases.
New cardmembers receive a $50 Amazon.com gift card instantly upon approval.
I could get a slightly better return, but Id have to use the Chase Freedom Unlimited, which earns 1.5% cash back on most purchases , and transfer those points to my Chase Sapphire Reserve account, where each point is worth 2 cents on average when you redeem them with travel partners, according to TPGs latest valuations.
How Can I Get Free Cash Back
Using any cash back card to shop on Amazon will result in getting money back. Some cards earn greater rewards than others. Currently the card that earns the highest cash back when shopping at Amazon is the Amazon Prime Rewards Visa Signature Card which earns 5% when shopping with Amazon or other companies under its umbrella like Whole Foods.
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The Best Credit Cards To Use For Amazon Purchases
While any rewards credit card can earn points on Amazon purchases, some are better than others. To maximize your spending, a cash back credit card can be a beneficial card to have. However, if youre looking to earn travel rewards, there are some valuable options to consider as well.
At the end of the day, find the card that makes the most sense for you and your spending habits.
Where Can The Amazon Prime Rewards Signature Visa Card Be Used
You can expect to use your Amazon credit card anywhere that takes Visa, most likely anywhere in the U.S., and over 150 countries worldwide. Unlike store cards tied to use at a specific retailer, a visa card connected to Amazon.com is a regular credit card in many ways.
You will earn rewards if you use it to shop on Amazon.com or Whole Foods, but you can also benefit from rewards when used at participating gas stations, pharmacies, and other retailers.
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Equal Pay Financing Offer
Suppose you’re making a purchase on Amazon that costs thousands of dollars. With the Amazon Prime Rewards Visa Signature Card, you can choose to opt out of earning rewards and participate in the special 0% APR offer instead:
- On purchases of $50 or more, split into six equal monthly payments
- On purchases of $250 or more, split into 12 equal monthly payments
- On purchases of $500 or more, split into 18 equal monthly payments
If you choose the pay-over-time offer instead, you won’t accrue any interest for the promotional period. The monthly payments will be charged to your statement on your Amazon Prime Rewards Visa Signature Card. If you fail to make your payments within the allotted time period, you’ll start to accrue interest.
While this offer may be helpful for large purchases, we recommend that you avoid this option as you’ll lose the ability to earn rewards on all of your Amazon purchases.
Alternate Pick: Citi Double Cash Card
There are a number of credit cards on the market that will earn 2% rewards on everything you buy without the need to track categories. One pick to consider is the no-annual-fee Citi® Double Cash Card which earns 1% when you make a purchase and another 1% when you pay your bill. Rewards earned on the card can be used as a statement credit, direct deposit, check or converted to transferable points when paired with a premium card.
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Heres What You Should Know About Credit Card Annual Fees:
- Annual fees typically range from $0 to $500.
- The annual fee gets added to your balance as a purchase, reducing your available credit until you pay it off.
- As a special promotion, many credit cards waive their annual fee during the first year an account is open.
- If you ask your credit card company to lower or waive your annual fee, they may consider it. But dont count on your request being approved.
- You should only get a credit card with an annual fee if it will save you more money overall than the best no annual fee card you can qualify for.
- Getting a starter credit card with no annual fee is a great idea if you are new to credit. Closing your oldest credit card account can hurt your credit score, and you probably dont want to continue paying for a card that you eventually stop using as your credit improves.
All in all, annual fees may or may not be worth your while, depending on what your card gives you in return. But its best to avoid fees while building credit, if possible, since youre unlikely to get benefits that are worth the cost until you’re more established. Once youre able to qualify for more lucrative rewards cards, you can weigh the fees against the benefits and decide which card is right for you.
Manage Your Account & Pay Your Bill
You can usually pay your bill online on your
The Amazon Prime Rewards Visa Signature Card is a credit card offered by Amazon and Chase that has no annual fee, but requires a valid Amazon Prime membership. If youre an Amazon Prime member and buy a lot on Amazon, this card might be a great fit for all those Amazon purchases.
This card is made with metal.
Youll earn 5% cash back on all Amazon purchases, as well as at Whole Foods Market. 2% cash back is earned at gas stations, restaurants, and drugstores.
Cardholders also get a $100 Amazon.com Gift Card instantly upon approval.
If you dont have an Amazon Prime membership you can get the , which is a bit less rewarding. And if you ever cancel your Prime subscription youll be downgraded to that card.
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DISCLAIMER: All information posted to this site was accurate at the time of its initial publication. Efforts have been made to keep the content up to date and accurate. However, Credit Card Insider does not make any guarantees about the accuracy or completeness of the information provided. For complete details of any products mentioned, visit bank or issuer website.
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Thoughts About The Amazon Business Credit Card
The card does have a lucrative cashback rate, but there are other cashback cards that offer 5% cashback too, such as:
Its main advantage from other cards is it belongs to Amazon, the number 1 online retailer in the U.S. If youre an FBA seller or are planning to become one, youll be hitting two birds with one stone sales and big cashback rates.
Plus, the 60- or 90-day payment terms and zero annual fees are definitely a big deal for startup businesses that dont have stable cash flow yet. However, we do recommend getting another card that has a longer 0% Intro APR which you can use for big purchases that cannot be paid within 60 or 90 days.
Amazon Personal Credit Cards At A Glance
Amazon store credit card
Amazon store credit card
Amazon Rewards Visa Signature Card
Where can you use it?
Only at Amazon
Rewards on purchases at Amazon and Whole Foods
Special financing options
5% or special financing
Rewards at restaurants, drugstores and gas stations
Rewards on all other purchases
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Amazon Prime Rewards Visa Signature Card Review: Should You Get It
For Amazon Prime members, there’s a lot to love about the Amazon Prime Rewards Visa Signature Card, which comes with a 5% rewards rate that’s hard to beat.
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Editorial Note: The content of this article is based on the authors opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
Citi is an advertising partner
- Unlimited 5% back on all Amazon.com purchases
- $0 annual fee
Amazon Business American Express Card
The information for the Amazon Business American Express Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
The other Amazon business card is the Amazon Business American Express Card. It also has no annual fee . You can get 3% back on the first $120,000 in purchases each calendar year or 60-day terms on U.S. purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market. You also earn 2% back for U.S. purchases for restaurants, gas stations, and wireless telephone services purchased directly from U.S. providers. All remaining purchases get 1% back.
The welcome bonus offer is the ability to earn a $100 Amazon.com gift card upon approval for the Amazon Business American Express Card.
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Choose The Right Card
In some cases your credit card may offer you the option to either take cash back or . In many cases, redeeming your rewards this way will be worth less than if you just took the cash back and used it to make the same purchase. Check the redemption terms and conditions of your card to make sure youre redeeming your earnings for the most value.
Learn More About The Neo Financial Mastercard
If you love cash back rewards and are looking for something a little different than a traditional credit card, the Neo Financial Mastercard may be up your alley.
While the card has three tiers, those who wish to avoid a monthly fee can choose the Standard option, paying no fees while still earning an impressive 5% cash back with thousands of partnered businesses across the country. Using their app, you can find the closest participating retailers and restaurants to you, then use your Neo card when paying to collect cash back rewards that you can redeem anytime.
Why we like it:
While rewards that rely on participating retailers may seem restrictive, Neoâs ever-growing list of partnered businesses means that youâre likely to find multiple cash back opportunities wherever you happen to be. Plus, the ability to earn and redeem your rewards instantly provides the card with an added flexibility. Itâs useful app allows you to track your spending and rewards easily as well as freeze your card with one swipe in the event that itâs lost or stolen. The card is also one of the more accessible to apply for, as they welcome a wide range of credit scores.
You can earn sizable welcome bonuses after your first purchase at most partnered businesses. Neo also offers a minimum guarantee of 1% cash back on the card, meaning that if you earn less than 1% over the course of the month, the company will top you up.
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Amazon Business Credit Card: Perfect For Amazon Users & Small Businesses
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The provides a lot of benefits for Amazon loyalists and small businesses particularly FBA sellers . Its one of the most valuable business credit cards that focuses on giving cardholders big cashback points and flexible payment terms.
From a selling perspective: The card gives businesses ample time to collect payment from customer orders, before being charged on credit card purchases made to procure those orders.
From a buying perspective: Businesses who make Amazon-related purchases can get cashback which they can use to redeem rewards.
Does Amazon Credit Card Have Annual Fee
. Consequently, is it worth getting Amazon credit card?
The 5% rewards rate on Amazon purchases and the $70 gift card you get once approved are both great rewards that are tough to beat by any other offer currently on the market. Keep in mind that it’s probably not worth it for you to sign up for Amazon Prime just to get the Amazon Prime Rewards Visa Signature Card.
is Amazon Prime free with Amazon credit card? Yes, the Amazon Prime Rewards Visa Signature Card is technically free to own, but you have to be an Amazon Prime subscriber to qualify. The Prime Rewards card pays: 5% cash back at Amazon.com and Whole Foods Market. 2% back at restaurants, gas stations and drugstores.
Hereof, is there an Amazon credit card?
The card that will best suit most consumers is the Amazon Prime Rewards Visa Signature Card. Its main appeal is its offer of 5 percent back on Amazon and Whole Foods purchases, but it tacks on a whole lot more. The only drawback is that it’s exclusive to Prime members, who must pay $119 per year for membership.
Which Amazon credit card is better?
Best Amazon Credit Card: How to Get the Most Out of Your Purchases
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