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PROS AND CONS OF THE AMAZON PRIME REWARDS CREDIT CARD
Amazon now offers a number of credit cards, including ones designed for small business owners and others to help you maximize rewards.
The e-commerce giant even offers a Store Card strictly for use on Amazon purchases, distinguished by its promotional financing offer, which allows cardholders to pay for large purchases over time without interest.
With so many different
Generate credit card to choose from, many shoppers are left wondering which, if any, might be worth getting.
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.
Here's a comprehensive breakdown of the card's details to help you decide whether it's right for you.
Amazon Prime Rewards Visa Signature Card
The Amazon Prime Rewards Visa Signature Card, issued through Chase, has some enticing rewards: 5 percent back on purchases you make on Amazon and at Whole Foods, as well as 2 percent back at restaurants, gas stations and qualifying drug stores, plus 1 percent on all other purchases. When you sign up, Amazon also throws in a $70 gift card bonus.
Users receive benefits from the Visa Signature Luxury Hotel Collection and some travel coverage, including a damage waiver on auto rentals.
There's no foreign transaction fee, so you're free to use it outside the U.S. without paying extra.
Be wary of carrying a balance since its APR is relatively high. And although the card technically doesn't have an annual fee, it is, as we mentioned, exclusive to those who pay for Prime membership, which now costs $119 per year.
The Capital One Venture, meanwhile, our No. 1 travel card, offers 10 points on purchase at Hotels.com/Venture, plus a flat rate of 2 points back on all other purchases.
The Discover It Cashback Match offers 5 percent back on purchases at Amazon, but only during one quarter of 2018. As for the Whole Foods benefit, the Blue Cash Preferred has a competitive offer — 6 percent cash back on groceries year-round — but it also requires a $95 annual fee.
All things considered, if you're someone who shops a lot on Amazon and/or if Whole Foods is your go-to grocer, it's worth considering one of the Amazon Rewards cards — especially if you're a Prime member.
• Rewards: 5 percent back on Amazon and at Whole Foods, 2 percent back at restaurants, gas stations and qualifying drug stores, 1 percent on all other purchases
• Annual fee: $119 Amazon Prime membership
• Bonus: $70 Amazon gift card
• Variable APR: 15.74 to 23.74 percent based on your credit score
• How you redeem points: Redeem for Amazon credit during check-out or redeem for cash back or gift cards through Chase