amazon prime card vs amazon rewards visa

The Amazon Prime Rewards Visa Signature Card earns 5% cash back in rewards at Amazon.com and Whole Foods Market with an eligible Prime. The Chase Amazon Visa card is one of your favorites for earning rewards. With 3% cash back on your Amazon purchases, and 1-2% everywhere. Amazon announced this morning it's teaming up with Chase to introduce a new Visa credit card exclusively for its most loyal customers, Prime.

youtube video

Amazon Store Card vs Amazon Rewards Visa Signature Card Comparación En Español ¿Cuál Es La Mejor?

Amazon prime card vs amazon rewards visa -

At Experian, one of our priorities is consumer credit and finance education. This post may contain links and references to one or more of our partners, but we provide an objective view to help you make the best decisions. For more information, see our Editorial Policy.

Whole Foods isn't exactly known for its low prices, but since the grocery giant was bought by Amazon in 2017, changes have been afoot. The online retailer has slashed prices on many Whole Foods products, and in 2018 announced that shoppers using the Amazon Prime Rewards Visa Signature card will earn 5% cash back on purchases made at Whole Foods.

There is a small catch: The 5% cash back benefit, which also applies to Amazon.com purchases, is only available to active members of Amazon Prime, a subscription program that offers free two-day shipping, access to streaming video and music, and a variety of other Amazon-specific perks for $119 a year.

Those who do not have Amazon Prime can get the Amazon Rewards Visa Signature Card, which gives 3% cash back on Amazon.com and Whole Foods purchases. Cardholders of either card can get 2% cash back at restaurants, gas stations and drugstores, and 1% back on all other purchases.

The cards, which are offered through a partnership with Chase, also come with several other benefits, including no foreign transaction fees on purchases made abroad, lost luggage reimbursement and no cap on rewards earnings. Cardholders can redeem rewards at Amazon itself, but also through cash back in form of statement credits, gift cards and at Chase's travel rewards portal.

So Is It Worth It to Apply for the Amazon Prime Rewards Card?

For existing Prime members who are big Amazon spenders, it's probably a good bet—especially because there's no annual fee to own the card. You could even use this card to earn cash rewards that totally cover your $119 Amazon Prime membership if you spend at least $2,380 a year at Amazon.com. But if you don't spend that much at Amazon.com every year, you could probably make up that membership fee with rewards earned through spending at Whole Foods and elsewhere.

If your spending lines up with the Amazon Prime Rewards Card's rewards categories, signing up for Prime and applying for the card is worth considering, because the cash back could cover your Prime membership.

But if shelling out $119 a year for a Prime membership isn't something you'd do anyway, the card is less attractive and you may want to consider other rewards cards. That's because there are others out there that can earn you 3% or more on all grocery purchases (American Express has several), as well as other cards that offer higher returns on dining out and gas. The key, as usual, lies in examining where you spend your money in order to maximize your cash back rewards and using the right card on the right purchases.

Here's when it makes little sense to apply for the card: If you plan on carrying any sort of credit card balance. The APR on the Amazon Rewards Visa card is between 14.24% and 22.24%, depending on an applicant's credit worthiness. That rate could wipe out any rewards you might earn—and saddle you with additional debt.

All information about the Amazon Prime Rewards Visa Signature Card and Amazon Rewards Visa Signature Card has been collected independently by Experian. The product details on this page have not been reviewed or provided by the card issuer. Check issuer's website for current offer details.

Источник: https://www.experian.com/blogs/ask-experian/should-you-get-the-amazon-rewards-visa-card/

A $200 Amazon gift card and 10% back on purchases: The Amazon Prime Rewards Visa Signature Card is great for holiday shoppers

Editor’s note: This post has been updated with the latest credit cards information and benefits. 


Amazon Prime Rewards Visa Signature Card overview

The Amazon Prime Rewards Visa Signature is a solid earner, featuring a 5% return on all Amazon and Whole Foods purchases; 2% on restaurant, gas station and drugstore purchases; and 1% back on everything else, making it a strong contender for those who spend big with Amazon companies. Card rating*: ⭐⭐⭐½

*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

The holidays are right around the corner — which means that Black Friday and Cyber Monday are also rapidly approaching. To kick off this holiday shopping season, Amazon and Chase are offering exclusive promotions on their cobranded credit cards, the Amazon Prime Rewards Visa Signature Card and the Amazon Rewards Visa Card, and both are offering some of their richest sign-up bonuses yet.

What’s the difference between the two? While neither card charges an annual fee, you can only apply for the former if you are a current Amazon Prime member while the latter is open to the general public. So, you can think of your Prime membership fee of $119 per year as your credit card annual fee if you have the Amazon Prime Rewards Visa.

Starting today, Nov. 17, until the end of the month, eligible Amazon Prime members who apply for the Amazon Prime Visa Signature card will receive a $200 Amazon gift card immediately upon approval. If you’re not a Prime member and decide to opt for the Amazon Rewards Visa Card instead, you’ll instantly receive a $100 Amazon gift card if you’re approved.

Additionally, Prime cardholders will earn a whopping 10% back in rewards on select products from eligible Amazon gift guides.

In this post, we’ll review the Amazon Prime Rewards Visa Signature Card and see if it’s worth applying for, especially if you’re looking to save big on your online shopping this holiday season.

The information for the Amazon Prime Rewards and the Amazon Rewards cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

In This Post

Who is this card for?

The Amazon Prime Rewards Visa Signature is meant for those who participate significantly in Amazon’s ecosphere. Available exclusively for Amazon Prime members, it rewards those loyalists with best-in-class earnings of 5% back on purchases on the Amazon website and at the Whole Foods grocery store chain. As a no-annual-fee card, it’s an obvious contender for a spot in your wallet if you’re a Prime member anyway, and deserves respect from even the most hard-core points-and-miles enthusiasts. After all, who doesn’t shop at Amazon at this point?

However, the card lacks the ability to transfer rewards to travel partners (and thus gain extra potential value for your points), which means that outside those 5% bonus categories, you’re probably better off with another card. It also is subject to Chase’s 5/24 rule, which means if you’ve opened a lot of other cards in the past two years, you might not be approved for it until you fall back below that limit.

The card offers a solid return on purchases made within Amazon’s wheelhouse, but it is best suited for those who prefer simplicity in their credit card rewards and aren’t interested in maximizing every dollar they spend.

Sign-up bonus: $200 Amazon gift card

At the moment, the Amazon Prime Rewards Visa Signature is offering one of its best-ever bonuses — a $200 Amazon gift card valid for purchases at Amazon that is available as soon as you are approved. That’s up from the previous $70-$150 in Amazon gift cards we’ve seen historically.

For its part, the Amazon Rewards Visa Card is offering a $100 Amazon gift card valid for purchases at Amazon that is available as soon as you are approved. That’s not nearly as attractive and you will probably be better off joining Prime and getting the higher-end card.

Main benefits and perks

The Mirage - Seacrest, Florida

The Amazon Prime card features several solid consumer-focused benefits.

Among them, its purchase protection ranges up to $500 per claim and $50,000 per account, while its extended warranty protection provides an additional year of coverage on eligible purchases with a manufacturer’s warranty of three years or less.

The card also has a host of benefits for travelers, including no foreign transaction fees, travel and emergency service, lost luggage reimbursement (up to $3,000 per passenger for you and your immediate family), baggage delay insurance (up to $100 per day for three days if delayed by six or more hours), travel accident insurance and roadside dispatch (for a fee).

It also includes auto rental collision damage coverage — although unlike credit cards such as the Chase Sapphire Preferred Card, which offer primary rental car coverage, this card only offers secondary car insurance, which kicks in after filing with your personal insurance company.

These benefits come as a result of its Visa Signature status, which also provides access to the Visa Luxury Hotel Collection. This allows members to book more than 900 hotels around the world with perks that imitate elite status, such as room upgrades and late checkout. You’ll also be able to use the Visa Signature Concierge Service, which can help you with a variety of requests.

How to earn points

The main perk of this card is its spending structure. It offers a 5% return on Amazon and Whole Foods purchases. However, it only earns 2% back at restaurants, gas stations and drugstores, which is similar to other no-annual-fee credit cards.

Purchases made anywhere else earn a flat 1% back. This adds up to a fairly generous return on spending, but those who don’t already have Amazon Prime will need to consider whether the $119 annual cost for the subscription is worth it, especially if they don’t shop with Amazon often.

The reason it might make sense right now is that Prime cardholders can earn a phenomenal 10% back on select products from eligible gift guides, which can be found here, now through Dec. 20, 2021.

Among the gift guide categories offering this return are toys; computers, tablets and gaming accessories; home goods; kitchen wares; office products; and more.

Depending on what you plan to purchase this holiday season and how much you expect to spend, you could walk away with real savings by taking advantage of these offers.

How to redeem points

When you’re ready to redeem the points you’ve earned with the Amazon Prime Visa, there are a number of different tracks you can take. No matter what you do, you’ll receive a flat value of 1 cent per point for your redemptions. The easiest method is simply redeeming your rewards for Amazon purchases. There is no minimum amount of points required, and you can use them for all or part of your purchase.

If you’d prefer cash back, you can deposit your rewards straight to your Chase account. You can also redeem for gift cards with a minimum of 2,500 points.

Perhaps the most intriguing and least-talked-about option is the ability to redeem your points for travel through Chase, although you’ll have to call in to use your points. Here you get a value of 1 cent per point, so it’s not as much as if you had the Chase Sapphire Reserve, which lets you redeem points at 1.5 cents each through the Chase Ultimate Rewards portal.

But you’re not missing out on value with this card in particular by redeeming points for travel versus Amazon purchases. And airfare purchased through a third-party site will still accrue bonus miles and elite credit, in addition to granting elite status perks you’ve earned on the airline. The same can’t be said for hotels, which will often disqualify bookings made via online travel agencies from any kind of earning.

The Chase travel portal also offers tours and activities, which means that you can finance an entire vacation with points earned from your Amazon Prime Visa. At a 5% earning rate, these points will stack up quickly.

Alternative cards

You won’t find a better return on your spending at Amazon and Whole Foods with other credit cards, though there are some products that come close.

The Blue Cash Preferred® Card from American Express

The Blue Cash Preferred Card from American Express offers 6% back on U.S. supermarket purchases (on up to $6,000 in purchases per calendar year, then 1%). It’s a fairly lucrative card overall, also offering 6% on select streaming services in the U.S. and 3% on transit and gas stations. Cash back is received in the form of Reward Dollars that can be redeemed for statement credits. The card comes with a $0 introductory annual fee for the first year, then $95 (see rates and fees).

The Amex EveryDay® Preferred Credit Card from American Express

The Amex EveryDay Preferred Credit Card earns 3 Membership Rewards points on U.S. supermarket purchases (on up to $6,000 a year). It also accrues 2 Membership Rewards points per dollar at U.S. gas stations and 1 point per dollar on other purchases. Plus, when you use the card to make 30 transactions or more per billing period, you get a 50% points bonus, which can really improve your earning potential.

What’s more, this card earns Membership Rewards points that you can transfer to the program’s various airline and hotel partners, making it a strong choice for folks who want to rack up rewards for travel, specifically, rather than just cash back.

The annual fee is $95.

The information for the Amex EveryDay Preferred card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Chase Freedom Unlimited

If you’re not a Prime subscriber and still want a solid return on your spending, your best bet would be to go with the Chase Freedom Unlimited. The Freedom Unlimited provides 1.5% cash back on non-bonus purchases (but 5% on travel booked through Ultimate Rewards, and 3% on dining and drugstores).

You could potentially double the value of your rewards by pairing the Freedom Unlimited with a Chase Sapphire Reserve, Chase Sapphire Preferred Card or Ink Business Preferred Credit Card. By doing so, you’ll be able to redeem your cash back as full-fledged, transferable Ultimate Rewards points, worth 2 cents apiece, based on TPG’s monthly points valuations.

The card has no annual fee.

Bottom line

If you’re a big Amazon shopper who already subscribes to Prime, the Amazon Prime Rewards Visa Signature could be a good option for you — especially with a $200 gift card on the line. With an unbeatable 5% return on Amazon and Whole Foods purchases and a simple redemption system, this card is geared to those who prefer to stay away from the intricacies of points and miles, opting instead for the ease of using a no-annual-fee credit card that earns cash back.

Additional reporting by Stella Shon. 

Featured photo by The Points Guy. 

For rates and fees of the Blue Cash Preferred card, click here.

Sign up for our daily newsletter

Sign-up Successful!

Welcome to The Points Guy!

Carissa Rawson is a Points and Miles Reporter at TPG, helping readers get to where they need to go, faster (and cheaper). You can find her in your nearest Priority Pass lounge, sipping free coffee and obsessively researching travel.
Источник: https://thepointsguy.com/guide/the-best-card-for-amazon-shoppers-amazon-prime-rewards-visa-signature-card/

Amazon Store Cards vs. Amazon Visa Credit Cards: What’s the Difference?

If you can’t get enough of shopping on Amazon, don’t worry; you’re not the only one. According to Amazon statistics and facts from Statista, there are more than 200 million paying Amazon Prime members worldwide. In addition, Amazon Prime members spent an average annual amount of $1,400 each on Amazon in 2019.

With that kind of spending, it makes sense to consider an Amazon credit card to help you save money on your purchases. But which card should you choose?

In this Amazon store cards vs. Amazon Visa cards comparison, you’ll learn about these popular Amazon card options and how they work. This will help you understand which type of Amazon card would be a better fit for you depending on your situation and goals.

The difference between store cards and credit cards

Before jumping into the details of the different Amazon credit cards, it’s important to understand two categories these cards can fall into: closed loop or open loop.

The Amazon Store Card and Amazon Prime Store Card are considered closed-loop cards, which is what most store cards are. A card on a closed loop works only at specific locations, so you wouldn’t be able to use it outside of the store it’s associated with. These two cards only work on Amazon.

The Amazon Rewards Visa Signature Card and Amazon Prime Rewards Visa Signature Card are considered open-loop cards because they work anywhere Visa cards are accepted. So you’re able to use them to make purchases on Amazon, but you can also use them for any other purchases you may have from any retailer (as long as they accept Visa).

Quick look: Amazon store cards vs. credit cards

Amazon.com Store CardAmazon Prime Store CardAmazon Rewards Visa Signature CardAmazon Prime Rewards Visa Signature Card
IssuerSynchrony Synchrony Chase Chase
Annual fee$0 $0 $0 $0
Sign-up bonusEarn an Amazon gift card upon approval, typically worth $10 to $100 Earn an Amazon gift card upon approval, typically worth $10 to $100 Earn a $50 Amazon gift card upon approval of credit card application $100 Amazon gift card upon approval
Rewards rateNone 5% back on Amazon purchases 3% cash back at Amazon.com and Whole Foods Market; 2% at restaurants, gas stations, and drugstores; and 1% on all other purchases 5% cash back at Amazon.com and Whole Foods Market; 2% at restaurants, gas stations, and drugstores; 1% on all other purchases
Redemption optionsNone Amazon purchases or statement credits Amazon purchases, statement credits, direct deposits, gift cards, or travel Amazon purchases, statement credits, direct deposits, gift cards, or travel
BenefitsSpecial financing options for six, 12, or 24 months on select items Special financing options for six, 12, or 24 months on select items Travel and protection benefits; special financing options Travel and protection benefits; special financing options
Prime membership requiredNo Yes No Yes
Recommended credit scoreFair Fair Good Excellent, Good

Now we’ll jump into the details of the four Amazon credit cards and compare how they stack up against each other, especially in regards to their rewards program. This will help you understand whether one of the Amazon store cards or one of the Amazon Rewards Visa cards would be a better fit for you.

Best for sign-up bonus: It varies

Getting a sign-up bonus can be a nice sweetener on top of a card’s other rewards and benefits. In many cases, a more valuable sign-up bonus could be the difference maker for you when you compare credit cards.

Each of the four Amazon credit cards typically offers cardholders an Amazon gift card upon approval. The gift card amount often ranges from $10 to $100, whether it’s one of the store cards or one of the Amazon Rewards Visa cards. If you want the best sign-up bonus for an Amazon credit card, check both the store cards and Rewards Visa cards to see which ones have the higher offers when you’re ready to apply.

Keep in mind that many credit cards require you to hit a minimum spend amount to qualify for a sign-up bonus, but none of these four cards have that requirement. If you’re approved for one of these cards, you get the applicable bonus.

Best for earning rewards: Amazon Prime Rewards Visa

The non-Prime version of the Amazon Store Card doesn’t earn any rewards, whereas the other three Amazon cards — the Amazon Prime Store Card and the two Visa cards — offer excellent earning potential. But if you want additional opportunities to earn rewards, the best credit card for Amazon is likely the Amazon Prime Rewards Visa Card.

This is primarily because the Amazon Prime Rewards Visa provides earning potential outside of Amazon.com purchases because it’s on an open-loop network and can be used anywhere Visa cards are accepted. It also offers bonus categories apart from Amazon purchases.

For example, the Amazon Prime Rewards Visa offers 5% cash back at Amazon.com and Whole Foods Market; 2% at restaurants, gas stations, and drugstores; 1% on all other purchases. This gives you more flexibility than the Amazon Prime Store Card and a higher earning potential than the non-Prime Amazon Rewards Visa.

When it comes to redeeming rewards, the Amazon Rewards Visa cards have more options. Rewards from the Amazon Prime Store Card can be redeemed for Amazon purchases or statement credits, but the rewards from the Visa cards can be redeemed for Amazon purchases, statement credits, direct deposits, gift cards, and travel.


Best for benefits: Amazon Rewards Visa cards

You won’t find many benefits on the Amazon store cards, though they do have special financing options for big-ticket purchases to help you pay them off without interest over the course of six, 12, or 24 months. For more perks, consider the Amazon Rewards Visa cards.

The Amazon Rewards Visa and Amazon Prime Rewards Visa cards offer these additional benefits:

  • Special financing offers on purchases for six to 18 months for purchases of $50 or more
  • No foreign transaction fees
  • Travel and emergency assistance
  • Lost luggage reimbursement
  • Baggage delay insurance
  • Travel accident insurance
  • Auto rental collision damage waiver
  • Roadside dispatch
  • Purchase protection
  • Extended warranty protection
  • Visa Signature Concierge Service

Many of these benefits can be useful if you travel frequently or want additional protection on your eligible purchases.

Best for annual fee: All Amazon cards

None of these cards have annual fees, which makes them all equally valuable when it comes to annual costs. But you have to keep the cost of an Amazon Prime membership in mind if you’re using one of the Prime cards, which would be either the Amazon Rewards Visa or the Amazon Prime Rewards Visa.

These two Prime cards are available only to those with an Amazon Prime membership. So in an indirect way, it’s as if they have a $119 annual fee, which is the cost of a Prime membership each year.

However, you also get plenty of other benefits from a Prime membership, such as two-day shipping and exclusive deals, as well as access to millions of songs, books, movies, shows, and games. Not signing up for Prime is one of many mistakes Amazon shoppers make because the benefits can far outweigh the cost.

Best for longer financing

Both the Amazon store cards and Amazon Rewards Visa cards have helpful financing options available, though they aren’t exactly the same. You don’t have to sign up for these financing options, but you do need to select your Amazon credit card (one of the store cards or one of the Rewards Visa cards) as your payment method during checkout for your financing options to show up. Then you select the available financing option you want to use and complete the checkout process.

For the Amazon store cards, you get these options:

  • Equal monthly payments: Pay equal monthly payments on your eligible Amazon purchases at a 0% APR for six, 12, or 24 months.
  • Special financing: Pay no interest rate on eligible purchases if the purchase is completely paid off within six, 12, or 24 months. Minimum monthly payments are required and interest will be charged starting from the purchase date if the purchase isn’t paid off before the offer period ends. It’s best to pay off your purchases during the special financing period or you’ll have to pay a high APR of 25.99% (as of July 14, 2021) on your entire purchase, which is a huge increase on what you’d already be paying.

For the Amazon Rewards Visa cards, you get the option to make equal monthly payments on your eligible Amazon purchases at a 0% APR for six, 12, or 18 months.

Overall, the Amazon store cards provide more flexibility with your financing options, which can be helpful depending on your situation. Keep in mind that these financing options, for both the Amazon store cards and Amazon Rewards Visa cards, are primarily for big-ticket purchases of $50 to $800 or more.

Best for building credit: Amazon store cards

When it comes to how to build credit, any credit card can play a part as long as you use it responsibly and make on-time payments each month. But if you can’t qualify for a certain credit card because your credit score isn’t high enough, you’ll have to consider other options.

Store cards are typically easier to qualify for because they have less strict requirements than many other credit cards. So if you compare Amazon store cards vs. Amazon Visa cards, the store cards would likely make more sense for building credit because you don’t need a good or excellent credit score to be approved.

Fair credit, which is at least a 580 FICO Score, is often good enough to qualify for a store card. To be approved for one of the Amazon Rewards Visa cards, you likely need at least a good credit score, or a 670 FICO Score.

Quick note: Amazon store card vs. Amazon Prime store card

It can get confusing talking about Amazon store cards as a whole because they’re actually two different cards. Where it gets more confusing, though, is that you can only apply for the Amazon.com Store Card.

To get the Amazon Prime Store Card, you have to already have the standard Amazon Store Card and an eligible Amazon Prime membership. This will qualify you for an automatic update to the Amazon Prime Store Card.

If you’re approved for the Amazon Store Card and don’t have a Prime membership, you’ll end up with the non-Prime Amazon.com Store Card, which doesn’t offer any earning potential.

The two Amazon Rewards Visa cards work similarly. Whether you receive the Amazon Rewards Visa Card or Amazon Prime Rewards Visa Card depends on whether you have an eligible Amazon Prime membership.

Additional Amazon card options

If these cards don’t seem like the best fit for you, there are other Amazon card options from other credit card issuers. These include:

  • Amazon Secured Card: This card is issued by Synchrony Bank and provides you with a way to build or rebuild your credit. It has no annual fee, can be used for Amazon purchases, and requires between a $100 to $1,000 refundable security deposit.
  • Amazon Business American Express Card: Has a $0 (See rates and fees) annual fee and offers 3% back in Amazon Rewards points or no interest for 60 days on U.S. Amazon Business, AWS, Amazon.com, and Whole Foods purchases; 2% back at U.S. restaurants, U.S. gas stations, and purchases with U.S. wireless providers; and 1% back on all other purchases. (Terms apply.)
  • Amazon Business Prime American Express Card: Has a $0 (See rates and fees) annual fee and offers 5% back in Amazon Rewards points or no interest for 90 days on U.S. Amazon Business, AWS, Amazon.com, and Whole Foods purchases; 2% back at U.S. restaurants, U.S. gas stations, and purchases with U.S. wireless providers; and 1% back on all other purchases. An eligible Amazon Prime membership is required for this card. (Terms apply.)

FAQs

What is the difference between the Amazon store card and Amazon Visa?

The Amazon store cards can be used only for Amazon purchases, whereas the Amazon Visa cards can be used anywhere Visa cards are accepted. In addition, the Amazon Visa cards have more benefits than the Amazon store cards, including different types of travel insurance and purchase protections. However, it’s likely easier to qualify for the Amazon store cards because they have less strict requirements.

What credit score do I need for an Amazon card?

You likely need a fair credit score to qualify for the Amazon.com Store Card, but the Amazon Rewards Visa Card typically requires a good credit score. A 580 FICO Score would be considered fair and a 670 FICO Score would be considered good.

Is the Amazon Store Card worth it?

The Amazon.com Store Card could be worth it if you frequently shop on Amazon and can’t qualify for the Amazon Rewards Visa Card because of your credit. However, it doesn’t earn you rewards unless you have an Amazon Prime membership. If you are a Prime member, that qualifies you for earning rewards on your Amazon purchases with the Amazon Prime Store Card, which makes having this car far more worthwhile.


Bottom line

Amazon credit cards can make sense if you frequently shop on Amazon. But depending on your shopping habits, you might get better value from a more versatile credit card like the Chase Freedom Flex or Citi Double Cash, which are often included as two of the best rewards credit cards available.

The Chase Freedom Flex can be an excellent card to use on everyday expenses. It offers bonus cash back in multiple categories, including 5% cash back on rotating quarterly categories (on up to $1,500 spent) and travel purchased through the Chase Ultimate Rewards portal and 3% cash back on restaurants (including takeout and delivery) and drugstores. When combined with a Chase Sapphire Preferred, the Freedom Flex can be powerful for earning both cashback rewards and travel rewards.

To learn more about this card, read our Chase Freedom Flex review.

The Citi Double Cash makes earning rewards simple and straightforward because you get the same earning rate on every purchase. Earn restaurants (including takeout and delivery) and drugstores.

To learn more about this card, read our Citi Double Cash review.

Author Details

Ben Walker

Ben Walker Ben Walker is a credit cards and travel writer at FinanceBuzz who loves helping others achieve their travel goals through financially-sound decisions. For nearly a decade, he has been using credit card points and miles for the sole purpose of traveling the world. Ben has been featured in The Washington Post, MSN, Debt.com, and Finder.com.

More posts from Ben Walker >

Источник: https://financebuzz.com/amazon-store-card-vs-amazon-visa

The Best Credit Cards To Use For Amazon Purchases

This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Disclosure, visit this page.

Over the past year and a half, you may have found yourself making more Amazon purchases. Perhaps you’re a long-time Prime member who uses Amazon regularly and has technology like the Fire Stick, Alexa, and Kindle in your home. Or, maybe you make purchases a few times a month and use Amazon Fresh for your grocery purchases. Plus, their extensive Amazon Prime Video streaming library is loaded with high-quality entertainment.

To get the most out of your Amazon purchases, consider using a credit card that has specific Amazon benefits. You could earn at least 2x rewards, be able to use your rewards to pay for Amazon purchases, and/or earn an exciting signup bonus offer in the process. So, whether you’re an occasional Amazon user or find yourself making weekly purchases, you’ll earn extra rewards on purchases you were already making.

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

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 you’re 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.

Amazon Prime Rewards Visa Signature Card

The information for the Amazon Prime Rewards Visa Signature Card and the Amazon Rewards Visa Signature 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 Amazon Prime Rewards Visa Signature Card can be your best option for Amazon rewards or cash rewards. But you must be an Amazon Prime member to qualify for this card. It’s also a metal credit card and doesn’t have an annual fee. You get a $70 Amazon gift card upon application approval as well.

Prime members get 5% back on Amazon.com purchases and Whole Foods purchases (3% back for non-Prime members). Gas stations, restaurants, and drugstores get 2% back. Everything else earns 1% back.

You can redeem your rewards for Amazon purchases. Other redemption options include cash, gift cards, and travel. While Chase issues the Amazon credit card, you earn Amazon points instead of Chase Ultimate Rewards.

Other credit card shopping benefits you may appreciate include:

  • One additional year of U.S. manufacturer’s warranties of 3 years or less
  • Up to $500 purchase protection for up to 120 days for damage or theft
  • Zero liability fraud protection (standard with every credit card)

There’s also a non-Prime version of this card, the Amazon Rewards Visa Signature Card, with a lower earn rate. Canceling your Prime membership downgrades you to the basic card.

Related:Best Credit Cards for Online Shopping

Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card is one of the best cash rewards cards for Amazon purchases. You earn 1.5% back on every purchase, regardless of the merchant. This card doesn’t have an annual fee or foreign transaction fee. New cardholders can earn a one-time $200 cash bonus after spending $500 on purchases in the first 3 months from account opening.

Your best redemption option is cash back as each point is worth 1 cent each. Like the other Capital One credit cards, you can also redeem your points directly on Amazon, but each point may only be worth 0.8 cents each.

You can get a complimentary extended warranty on select purchases. Two other online shopping tools Quicksilver offers are Paribus and Wikibuy. Wikibuy scans the purchase price for many online stores, including Amazon, to find the lowest price.

Paribus tracks your Amazon purchases for late deliveries to get a shipping credit. This tool also looks for price drops on your recent purchases. While Amazon doesn’t offer price protection claims, you may get a partial refund for purchases on other retailers like Walmart or Target.

Related:Best Capital One Credit Cards

Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card can be one of the best travel credit cards to maximize your Amazon purchases. Most travel credit cards only earn 1 point/mile per $1 spent at Amazon. However, the Venture card earns 2x miles per $1 on every purchase. That means you’ll earn twice the amount of rewards, everytime you use your card for purchases.

Your Venture miles are redeemable for travel statement credits, booking future travel, and mile transfers to select airline and hotel Capital One transfer partners.

The annual fee is $95. You also get a fee credit of up to $100 for Global Entry or TSA PreCheck. These benefits, and no foreign transaction fee, make this one of the best credit cards for international travel. This card also sports the Wikibuy and Paribus online shopping tools we discussed above that can increase your Amazon shopping savings.

New Capital One Venture Rewards Credit Card cardholders can earn 60,000 miles after spending $3,000 on purchases in the first 3 months.

Learn more: Travel Rewards Credit Cards

Honorable Mention: Chase Sapphire Preferred

The Chase Sapphire Preferred® Card earns 2x points on dining and travel globally. It also earns 5x points on Lyft rides through March 2022. Amazon purchases will only earn 1x Ultimate Reward point per $1 spent. But, your points can be redeemed on Amazon.com, though they are worth more when transferred to the Chase Ultimate Rewards portal and used to book travel. It has no foreign transaction fee but does have an annual fee of $95. You can learn more in our in-depth Chase Sapphire Preferred review.

Both the Chase Sapphire Preferred and Capital One Venture Rewards are some of the best travel miles credit cards. They are both good companions to have in your wallet.

Related: Chase Sapphire Preferred vs. Capital One Venture

Amazon Business Prime American Express Card

The information for the Amazon Business Prime 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.

Small businesses can also get special perks on Amazon purchases. American Express offers two business Amazon credit cards—the Amazon Business American Express Card and the Amazon Business Prime American Express Card. Like the personal Amazon credit cards from Chase, you won’t pay an annual fee for either card (See Rates & Fees for the Amazon Business American Express Card; See Rates & Fees for the Amazon Business Prime American Express Card).

The Amazon Business Prime American Express Card has stronger rewards and is available to Business Prime members. You can get 5% back on the first $120,000 in purchases in a calendar year or 90 day terms on these U.S.-based Amazon purchases:

  • Amazon.com
  • Amazon Business
  • AWS
  • Whole Foods

You get 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. All purchases are redeemable for Amazon purchases or statement credits.

The welcome bonus is a $125 gift card upon card application approval.

Related: Best Small Business Credit Cards

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 (See Rates & Fees). 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 is the ability to earn a $100 Amazon.com gift card upon approval for the Amazon Business American Express Card.

Related: Best American Express Business Credit Cards

Ink Business Preferred Credit Card

The Chase Ink Business Preferred® Credit Card has flexible point redemption options. Your Amazon purchases may only earn 1 point per $1 as cash rewards cards tend to cater to Amazon. However, you earn Chase Ultimate Rewards, which have a high value for award travel.

You earn 3 points per $1 on the first $150,000 spent in combined purchases for travel, shipping, online advertising, Internet, cable, or phone services. All other purchases earn 1 point per $1.

Your points are worth 1.25 cents each for award travel booked on the Chase travel portal. You can also transfer points at a 1:1 ratio to transfer partners, including United, Southwest Airlines, and World of Hyatt. Cash and gift card rewards are other options, but each point is only worth 1 cent each.

The Ink Business Preferred card also has an exciting signup bonus. You get 100,000 bonus Ultimate Rewards by spending $15,000 in the first 3 months. This is a high spending limit, but the bonus is worth $1,250 in award travel.

The Ink Business Preferred has a $95 annual fee but no foreign transaction fee.

Related: Best Small Business Credit Cards

The Blue Cash Everyday from American Express

The Blue Cash Everyday® Card from American Express is an alternative to The Blue Cash Preferred® Card from American Express. Instead of 6% back, you will get 3% back on the first $6,000 spent annually in U.S. supermarket purchases, then 1% thereafter. By maxing out the 3% bonus, you will get $180 a year in bonus cash.

You will also get unlimited 2% back at U.S. gas stations and select U.S. department stores, plus 1% back on all other eligible purchases. Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.

The Blue Cash Everyday also comes with the following American Express credit card benefits:

  • Roadside assistance
  • Extended warranty protection
  • 2-day Shoprunner shipping (enrollment required)
  • Terms apply

Cardholders can also enjoy $0 plan fees when using Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.

The welcome bonus is the ability to earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

The annual fee is $0 (See Rates & Fees).

Learn more: Cash Back Credit Cards

Summary

Cash back credit cards tend to have the highest purchase rewards for Amazon purchases. However, shopping at Amazon is an easy way to boost your points balance with travel rewards credit cards as well. Don’t forget to compare the additional shopping benefits like price comparison tools or extended warranty to protect your purchases.

FAQs

Which credit card is best for Amazon?

The best credit card for Amazon depends on how you prefer to redeem your rewards points and if you’re an Amazon Prime member. Here are some of the best cards, depending on how deep your Amazon loyalty is.

  • Amazon Prime Rewards Visa Signature: Prime members get 5% back on Amazon.com and Whole Foods purchases. You can redeem your points for Amazon purchases, cash rewards, gift cards, or travel.
  • Amazon Rewards Visa Signature: For non-Amazon Prime members. Get 3% back on Amazon.com and Whole Foods purchases. Points are redeemable for Amazon purchases, cash, gift cards, and travel.
  • Capital One Quicksilver: Earn unlimited 1.5% cash back on every purchase. The built-in Wikibuy and Paribus shopping tools can help you find additional savings on Amazon and other online purchases.

Cash rewards credit cards have the highest cash back rates at Amazon. But these regular purchases can also be valuable if you have a travel rewards credit card. Most travel credit cards only earn 1 point per $1 at Amazon. But, those base earnings supplement your points balance.

Does Amazon have its own credit card?

Chase issues the co-brand Amazon credit cards for personal shopping:

  • Amazon Prime Rewards Visa Signature (for Amazon Prime members only)
  • Amazon Rewards Visa Signature (for basic Amazon members)

You get 5% back on Amazon and Whole Foods purchases with the Amazon Prime Rewards credit card. The non-Prime version earns 3% back on these purchases. Neither card has an annual fee.

American Express issues co-brand small business Amazon credit cards:

  • Amazon Business Prime Card
  • Amazon Business American Express Card

The Business Prime Card gives you 5% back for Amazon and Whole Foods-related purchases.

Is Amazon Prime free with an Amazon credit card?

Not exactly. No Amazon credit card has an annual fee. However, you must be a Prime member to qualify for the American Express or Chase co-brand credit cards for Prime members to earn 5% back on Amazon and Whole Foods purchases. Not being a Prime member means you only get 3% back on Amazon and Whole Foods purchases.

Amazon Prime membership costs $119 per year (or $12.99 per month), plus taxes.

Related Articles:

For rates and fees of the Amazon Business American Express Card, pleaseclick here.

For rates and fees of the Amazon Business Prime American Express Card, pleaseclick here.

And for rates and fees of the Blue Cash Everyday® Card from American Express, please click here.

Advertisement

Chase Sapphire Preferred® Card

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

Contents

Share This Article

Источник: https://www.johnnyjet.com/best-credit-cards-to-use-for-amazon-purchases/

The Amazon-ification of Whole Foods continues.

Starting on Tuesday, Whole Foods shoppers who pay with the Amazon Prime Rewards Visa card will earn 5 percent back at the grocery chain’s U.S. stores.

Amazon customers who aren’t Prime members, but who pay with the regular Amazon Rewards Visa Signature Card, will earn 3 percent back.

Both cards already offer 5 percent and 3 percent back, respectively, on Amazon.com purchases.

When Amazon purchased Whole Foods for $14 billion last year, it promised that the Prime shipping and entertainment membership program would become the loyalty program of Whole Foods, too.

Earlier this month, it started delivering on that promise by offering free two-hour delivery from Whole Foods to Prime members in four cities. This week’s announcement marks another big step, and likely not the last.

The company is hoping that the perks will get more Prime members shopping from Whole Foods, and get existing customers to shop more frequently. Amazon also likely saves some money on credit card fees when Whole Foods customers pay with one of its branded cards than with another credit card.

Amazon has made some other moves since the takeover. In August, Amazon cut prices of some Whole Foods bestsellers by as much as 43 percent. But by December, there were reports of some prices inching higher. The e-commerce giant has also started selling Amazon Echo devices inside Whole Foods stores.

It has also faced challenges. Whole Foods stores have faced food shortages that employees blame on a new inventory-management system.

Amazon cardholders who earn rewards at Whole Foods stores can choose to convert them into a statement credit or can redeem them online to make purchases on Amazon or on other eligible sites.

Amazon customers who have the Amazon Prime Store Card — not the Amazon Rewards Visa credit card — won’t earn money back at Whole Foods. The company would not say why.

Some other credit cards — such as the American Express Blue Cash Preferred Card — give as much as 6 percent back for grocery store purchases. But that one, in particular, comes with a $95 annual fee.


This article originally appeared on Recode.net.

Источник: https://www.vox.com/2018/2/20/17030702/amazon-prime-credit-card-whole-foods-5-percent-back-visa-rewards

Amazon Prime Rewards Credit Card Review

Amazon Prime Rewards Visa Signature card

Imagine earning 5% back on every single Amazon purchase. You can rack up plenty of savings while shopping at one of the most popular online stores.

Get the Amazon Prime Rewards Visa Signature card and you get 5% back on Amazon purchases. And, there's no annual fee.

You just have to be an Amazon Prime member, which does have an annual fee of $99.

Amazon Prime Rewards Visa Signature Credit Card Fees

FeesAmazon Prime Rewards Visa Signature
Annual Fee$0
Where can you use?In-store purchases only
How to Avoid Paying Interest on PurchasesYour due date will be a minimum of 21 days after the close of each billing cycle.
Minimum Interest ChargeNone
Late Payment FeeUp to $15 if the balance is less than $100; up to $27 if the balance is $100 to less than $250; up to $37 if the balance is $250 or more.
Returned Payment FeeUp to $37

You'll also earn rewards on non-Amazon purchases. There’s no foreign transaction fee, which is good if you think you may use the card for travel.

Since it’s a Visa Signature card, you get some premium perks built in that can make your next trip more enjoyable.

At $99, Amazon Prime membership doesn’t come cheap.

If you’re not already a Prime user, you may be wondering whether it’s worth it to get this card. Find out whether or not the card’s features and benefits and worth it.

Main card features:

  • No annual fee
  • Exclusively for Amazon Prime members
  • 5% back at Amazon.com, 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchase
  • No foreign transaction fees
  • Visa Signature benefits

Standout Feature: High Rewards at Amazon.com

The Amazon Prime Rewards Visa Signature Card has a significant edge over the regular Amazon Store Card.

That card offers Prime members 5% back on Amazon purchases, which is applied as a statement credit.

With this card, you earn 5% back at Amazon.com with an eligible Prime membership.

Additionally, when you use your card at restaurants, gas stations, and drugstores, you earn 2% back.

All other purchases earn 1% back. Rewards are unlimited and they don’t expire while your account is in good standing.

That kind of flexibility is great if you’re primarily an Amazon.com shopper but you also want to earn rewards on everyday purchases.

One thing to point out is that you’re not earning cash back. Instead, you’re earning rewards back as points.

Every 100 points you earn is worth $1 for redemption purposes. Instead of being limited to statement credits, you’ve got lots of options for redeeming your rewards points.

Redeeming Amazon Prime rewards

So how can you put your Amazon Prime rewards to work? First, you can use them to shop at Amazon.com. You can pay for part or all of your purchase with points. There’s no minimum amount required to redeem.

You can buy millions of products on Amazon.com with Shop with Points but there are some limitations. For example, you can’t redeem points for:

  • Kindle downloads
  • Digital music
  • Amazon video titles
  • Amazon Appstore apps
  • Subscribe and Save items
  • Pre-order items
  • Textbook rentals
  • Prime membership

That’s something to keep in mind if you routinely make those kinds of purchases on Amazon.com.

Redeeming rewards through Chase

This card is issued by Chase, which issues most of the Amazon-branded credit cards. That means your redemption options go beyond just shopping at Amazon.

For example, you can redeem points for cash back. Every 2,000 points you redeem is worth $20 in cash rewards in the form of a statement credit.

Gift cards are another option. You can get a $25 gift card for every 2,500 points redeemed.

If you like to travel, you’re in luck. You can redeem points for travel purchases, including flights, hotels, cruises and car rentals.

Looking Beyond Rewards: Other Card Perks

The rewards program is undoubtedly the best feature of this credit card, but that’s not all you get. The card also comes packed with extras for travel and shopping.

Travel protections

If you travel a little or a lot, this card has got you covered. The following features are included in your card membership:

Travel accident insurance

When you charge air, bus, train or cruise fare to your card, you’re covered by up to $500,000 in accidental death or dismemberment insurance.

Lost luggage reimbursement

You’ve also got $3,000 in lost luggage reimbursement coverage per passenger if your bags are lost or damaged.

Baggage delay insurance

Having to wait for your bags to catch up with you once you reach your destination can be a pain.

This card offers reimbursement coverage for things like toiletries and clothing if your baggage is delayed by more than 6 hours. The coverage maxes out at $100 a day for three days.

Travel and emergency assistance

When you’re away from home, it’s always good to have someone you can call on for help.

Fortunately, card members can get help with legal and medical referrals or other travel and emergency assistance.

Roadside dispatch

You can also get help if you need a tow or a jumpstart or you just run out of gas. Any service fees related to the call are automatically charged to your card.

Visa Signature Luxury Hotel Collection

As a cardmember, you can choose from over 900 luxury hotels around the world. Cardmembers receive bonus goodies like the best available rate, automatic room upgrades when available and complimentary in-room Wi-Fi.

Visa Signature Concierge Service: Visa Signature Concierge Service is available 24 hours a day.

If you need help finding tickets to a sports or entertainment event, making dinner reservations or tracking down the perfect gift, concierge service is on standby.

Auto rental collision damage waiver

One final travel perk covers you if you’re renting a car. Your card comes with rental car insurance for most rental cars in the U.S. and abroad.

Shopping protections

You can shop ‘til you drop without worrying about extra hassles. Your card comes with both extended warranty protection and purchase protection built in.

The extended warranty program extends your existing warranty for one year, on eligible warranties of three years or less. You’re also covered against damage or theft for the first 120 days, up to $500 per claim.

Is It Worth the Cost?

As mentioned earlier, there’s no annual fee for this card. To qualify for the 5% back rewards rate on Amazon purchases, you have to have an eligible Amazon Prime membership. That includes:

  • Annual and monthly Amazon Prime subscriptions, excluding Amazon Prime video subscriptions
  • Members who share Prime benefits via an Amazon Household
  • Amazon Prime Fresh
  • Amazon Family
  • Amazon Prime Student
  • Trial memberships of annual and monthly Amazon Prime subscriptions, Amazon Prime Fresh, and Amazon Prime Student (excluding Amazon Prime video subscriptions)

The standard Prime membership is $99. That breaks down to $8.25 a month. The best way to look at the math is this: how often do you use Prime services?

If you’re regularly streaming movies, music or TV, then $99 may be a small price to pay. The same goes if you regularly buy things on Amazon.

Free 2-day shipping is included on eligible Prime purchases. The money you could save alone on shipping could easily make up for the $99 subscription fee.

One other thing to consider is the annual percentage rate (APR).

There’s no low introductory APR for purchases or balance transfers with this card. The regular variable APR applies to everything you purchase or transfer.

The APR range pretty is broad and if you don’t have the best credit score, you may end up with a higher rate.

If you’re not paying in full each month, the APR could make the things you buy with the card more expensive.

How It Compares to Other Rewards Cards

The Amazon Prime Rewards Visa Signature Card isn’t the only credit card that lets you earn rewards.

Another card may be more appealing if you have different spending habits. Here are other cards you might want to consider.

Amazon Rewards Visa Signature Card

The Amazon Rewards Visa Signature Card is designed for Amazon shoppers who want to earn rewards without paying the Prime membership fee.

This card offers 3% back at Amazon.com, 2% at restaurants, gas stations, and drugstores, and 1% everywhere else.

Virtually everything else is the same with this card, from the APR range to the travel and shopping protections.

The two biggest differences are the lower rewards rate on Amazon purchases and the fact that you don’t have to be a Prime member to get this card. If you don’t use Prime, this one could be a good alternative.

Chase Freedom

The has a rotating cash back structure, with cardmembers earning 5% back on selected purchases each quarter. There’s no annual fee either.

One reason to consider this card is the potential to earn more rewards on Amazon purchases.

In the past, during certain promotion periods, Chase has increased the quarterly bonus on Amazon shopping to as much as 10%.

Read the Chase Freedom editor's review.

Citi Double Cash

The  is the strong contender due to its simple cash back program, which could allow you to earn an effective 2% cash back on all spending.

It also have no annual fee.

Read the Citi Double Cash editor's review.

A No-Brainer For Amazon Prime Members

The Amazon Prime Rewards Visa Signature Card could be a great choice for anyone who does a lot of spending on Amazon but also uses their card for other purchases.

We wouldn’t recommend this one if you don’t want to pay the $99 subscription fee required for Prime membership.

Ultimately, this card is best suited for Amazon shoppers who already use Prime and want to get more points back on their purchases.

Continue Reading

Источник: https://www.mybanktracker.com

A $200 Amazon gift card and 10% back on purchases: The Amazon Prime Rewards Visa Signature Card is great for holiday shoppers

Editor’s note: This post has been updated with the latest credit cards information and benefits. 


Amazon Prime Rewards Visa Signature Card overview

The Amazon Prime Rewards Visa Signature is a solid earner, featuring a 5% return on all Amazon and Whole Foods purchases; 2% on restaurant, gas station and drugstore purchases; and 1% back on everything else, making it a strong contender for those who spend big with Amazon companies. Card rating*: ⭐⭐⭐½

*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

The holidays are right around the corner — which means that Black Friday and Cyber Monday are also rapidly approaching. To kick off this holiday shopping season, Amazon and Chase are offering exclusive promotions on their cobranded credit cards, the Amazon Prime Rewards Visa Signature Card and the Amazon Rewards Visa Card, and both are offering some of their richest sign-up bonuses yet.

What’s the difference between the two? While neither card charges an annual fee, you can only apply for the former if you are a current Amazon Prime member while the latter is open to the general public. So, you can think of your Prime membership fee of $119 per year as your credit card annual fee if you have the Amazon Prime Rewards Visa.

Starting today, Nov. 17, until the end of the month, eligible Amazon Prime members who apply for the Amazon Prime Visa Signature card will receive a $200 Amazon gift card immediately upon approval. If you’re not a Prime member and decide to opt for the Amazon Rewards Visa Card instead, you’ll instantly receive a $100 Amazon gift card if you’re approved.

Additionally, Prime cardholders will earn a whopping 10% back in rewards on select products from eligible Amazon gift guides.

In this post, we’ll review the Amazon Prime Rewards Visa Signature Card and see if it’s worth applying for, especially if you’re looking to save big on your online shopping this holiday season.

The information for the Amazon Prime Rewards and the Amazon Rewards cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

In This Post

Who is this card for?

The Amazon Prime Rewards Visa Signature is meant for those who participate significantly in Amazon’s ecosphere. Available exclusively for Amazon Prime members, it rewards those loyalists with best-in-class earnings of 5% back on purchases on the Amazon website and at the Whole Foods grocery store chain. As a no-annual-fee card, it’s an obvious contender for a spot in your wallet if you’re a Prime member anyway, and deserves respect from even the most hard-core points-and-miles enthusiasts. After all, who doesn’t shop at Amazon at this point?

However, the card lacks the ability to transfer rewards to travel partners (and thus gain extra potential value for your points), which means that outside those 5% bonus categories, you’re probably better off with another card. It also is subject to Chase’s 5/24 rule, which means if you’ve opened a lot of other cards in the past two years, you might not be approved for it until you fall back below that limit.

The card offers a solid return on purchases made within Amazon’s wheelhouse, but it is best suited for those who prefer simplicity in their credit card rewards and aren’t interested in maximizing every dollar they spend.

Sign-up bonus: $200 Amazon gift card

At the moment, the Amazon Prime Rewards Visa Signature is offering one of its best-ever bonuses — a $200 Amazon gift card valid for purchases at Amazon that is available as soon as you are approved. That’s up from the previous $70-$150 in Amazon gift cards we’ve seen historically.

For its part, the Amazon Rewards Visa Card is offering a $100 Amazon gift card valid for purchases at Amazon that is available as soon as you are approved. That’s not nearly as attractive and you will probably be better off joining Prime and getting the higher-end card.

Main benefits and perks

The Mirage - Seacrest, Florida

The Amazon Prime card features several solid consumer-focused benefits.

Among them, its purchase protection ranges up to $500 per claim and $50,000 per account, while its extended warranty protection provides an additional year of coverage on eligible purchases with a manufacturer’s warranty of three years or less.

The card also has a host of benefits for travelers, including no foreign transaction fees, travel and emergency service, lost luggage reimbursement (up to $3,000 per passenger for you and your immediate family), baggage delay insurance (up to $100 per day for three days if delayed by six or more hours), travel accident insurance and roadside dispatch (for a fee).

It also includes auto rental collision damage coverage — although unlike credit cards such as the Chase Sapphire Preferred Card, which offer primary rental car coverage, this card only offers secondary car insurance, which kicks in after filing with your personal insurance company.

These benefits come as a result of its Visa Signature status, which also provides access to the Visa Luxury Hotel Collection. This allows members to book more than 900 hotels around the world with perks that imitate elite status, such as room upgrades and late checkout. You’ll also be able to use the Visa Signature Concierge Service, which can help you with a variety of requests.

How to earn points

The main perk of this card is its spending structure. It offers a 5% return on Amazon and Whole Foods purchases. However, it only earns 2% back at restaurants, gas stations and drugstores, which is similar to other no-annual-fee credit cards.

Purchases made anywhere else earn a flat 1% back. This adds up to a fairly generous return on spending, but those who don’t already have Amazon Prime will need to consider whether the $119 annual cost for the subscription is worth it, especially if they don’t shop with Amazon often.

The reason it might make sense right now is that Prime cardholders can earn a phenomenal 10% back on select products from eligible gift guides, which can be found here, now through Dec. 20, 2021.

Among the gift guide categories offering this return are toys; computers, tablets and gaming accessories; home goods; kitchen wares; office products; and more.

Depending on what you plan to purchase this holiday season and how much you expect to spend, you could walk away with real savings by taking advantage of these offers.

How to redeem points

When you’re ready to redeem the points you’ve earned with the Amazon Prime Visa, there are a number of different tracks you can take. No matter what you do, you’ll receive a flat value of 1 cent per point for your redemptions. The easiest method is simply redeeming your rewards for Amazon purchases. There is no minimum amount of points required, and you can use them for all or part of your purchase.

If you’d prefer cash back, you can deposit your rewards straight to your Chase account. You can also redeem for gift cards with a minimum of 2,500 points.

Perhaps the most intriguing and least-talked-about option is the ability to redeem your points for travel through Chase, although you’ll have to call in to use your points. Here you get a value of 1 cent per point, so it’s not as much as if you had the Chase Sapphire Reserve, which lets you redeem points at 1.5 cents each through the Chase Ultimate Rewards portal.

But you’re not missing out on value with this card in particular by redeeming points for travel versus Amazon purchases. And airfare purchased through a third-party site will still accrue bonus miles and elite credit, in addition to granting elite status perks you’ve earned on the airline. The same can’t be said for hotels, which will often disqualify bookings made via online travel agencies from any kind of earning.

The Chase travel portal also offers tours and activities, which means that you can finance an entire amazon prime card vs amazon rewards visa with points earned from your Amazon Prime Visa. At a 5% earning rate, these points will stack up quickly.

Alternative cards

You won’t find a better return on your spending at Amazon and Whole Foods with other credit cards, though there are some products that come close.

The Blue Cash Preferred® Card from American Express

The Blue Cash Preferred Card from American Express offers 6% back on U.S. supermarket purchases (on up to $6,000 in purchases per calendar year, then 1%). It’s a fairly lucrative card overall, also offering 6% on select streaming services in the U.S. and 3% on transit and gas stations. Cash back is received in the form of Reward Dollars that can be redeemed for statement credits. The card comes with a $0 introductory annual fee for the first year, then $95 (see rates and fees).

The Amex EveryDay® Preferred Credit Card from American Express

The Amex EveryDay Preferred Credit Card earns 3 Membership Rewards points on U.S. supermarket purchases (on up to $6,000 a year). It also accrues 2 Membership Rewards points per dollar at U.S. gas stations and 1 point per dollar on other purchases. Plus, when you use the card to make 30 transactions or more per billing period, you get a 50% points bonus, which can really improve your earning potential.

What’s more, this card earns Membership Rewards points that you can transfer to the program’s various airline and hotel partners, making it a strong choice for folks who want to rack up rewards for travel, specifically, rather than just cash back.

The annual fee is $95.

The information for the Amex EveryDay Preferred card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Chase Freedom Unlimited

If you’re not a Prime subscriber and still want a solid return on your spending, your best bet would be to go with the Chase Freedom Unlimited. The Freedom Unlimited provides 1.5% cash back on non-bonus purchases (but 5% on travel booked through Ultimate Rewards, and 3% on dining and drugstores).

You could potentially amazon prime card vs amazon rewards visa the value of your rewards by pairing the Freedom Unlimited with a Chase Sapphire Reserve, Chase Sapphire Preferred Card or Ink Business Preferred Credit Card. By doing so, you’ll be able to redeem your cash back as full-fledged, transferable Ultimate Rewards points, worth 2 cents apiece, based on TPG’s monthly points valuations.

The card has no annual fee.

Bottom line

If you’re a big Amazon shopper who already subscribes to Prime, the Amazon Prime Rewards Visa Signature could be a good option for you — especially with a $200 gift card on the line. With an unbeatable 5% return on Amazon and Whole Foods purchases and a simple redemption system, this card is geared to those who prefer to stay away from the intricacies of points and miles, opting instead for the ease of using a no-annual-fee credit card that earns cash back.

Additional reporting by Stella Shon. 

Featured photo by The Points Guy. 

For rates and fees of the Blue Cash Preferred card, click here.

Sign up for our daily newsletter

Sign-up Successful!

Welcome to The Points Guy!

Carissa Rawson is a Points and Miles Reporter at TPG, helping readers get to where they need to go, faster (and cheaper). You can find her in your nearest Priority Pass lounge, sipping free coffee and obsessively researching travel.
Источник: https://thepointsguy.com/guide/the-best-card-for-amazon-shoppers-amazon-prime-rewards-visa-signature-card/

Amazon Prime Rewards Credit Card Review

Amazon Prime Rewards Visa Signature card

Imagine earning 5% back on every single Amazon purchase. You can rack up plenty of savings while shopping at one of the most popular online stores.

Get the Amazon Prime Rewards Visa Signature card and you get 5% back on Amazon purchases. And, there's no annual fee.

You just have to be an Amazon Prime member, which does have an annual fee of $99.

Amazon Prime Rewards Visa Signature Credit Card Fees

FeesAmazon Prime Rewards Visa Signature
Annual Fee$0
Where can you use?In-store purchases only
How to Avoid Paying Interest on PurchasesYour due date will be a minimum of 21 days after the close of each billing cycle.
Minimum Interest ChargeNone
Late Payment FeeUp to $15 if the balance is less than $100; up to $27 if the balance is $100 to less than $250; up to $37 if the balance is $250 or more.
Returned Payment FeeUp to $37

You'll also earn rewards on non-Amazon purchases. There’s no foreign transaction fee, which is good if you think you may use the card for travel.

Since it’s a Visa Signature card, you get some premium perks built in that can make your next trip more enjoyable.

At $99, Amazon Prime membership doesn’t come cheap.

If you’re not already a Prime user, you may be wondering whether it’s worth it to get this card. Find out whether or not the card’s features and benefits and worth it.

Main card features:

  • No annual fee
  • Exclusively for Amazon Prime members
  • 5% back at Amazon.com, 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchase
  • No foreign transaction fees
  • Visa Signature benefits

Standout Feature: High Rewards at Amazon.com

The Amazon Prime Rewards Visa Signature Card has a significant edge over the regular Amazon Store Card.

That card offers Prime members 5% back on Amazon purchases, which is applied as a statement credit.

With this card, you earn 5% back at Amazon.com with an eligible Prime membership.

Additionally, when you use your card at restaurants, gas stations, and drugstores, you earn 2% back.

All other purchases earn 1% back. Rewards are unlimited and they don’t expire while your account is in good standing.

That kind of flexibility is great if you’re primarily an Amazon.com shopper but you also want to earn rewards on everyday purchases.

One thing to point out is that you’re not earning cash back. Instead, you’re earning rewards back as points.

Every 100 points you earn is worth $1 for redemption purposes. Instead of being limited to statement credits, you’ve got lots of options for redeeming your rewards points.

Redeeming Amazon Prime rewards

So how can you put your Amazon Prime rewards to work? First, you can use them to shop at Western alliance bank los angeles. You can pay for part or all of your purchase with points. There’s no minimum amount required to redeem.

You can buy millions of products on Amazon.com with Shop with Points but there are some limitations. For example, you can’t redeem points for:

  • Kindle downloads
  • Digital music
  • Amazon video titles
  • Amazon Appstore apps
  • Subscribe and Save items
  • Pre-order items
  • Textbook rentals
  • Prime membership

That’s something to keep in mind if you routinely make those kinds of purchases on Amazon.com.

Redeeming rewards through Chase

This card is issued by Chase, which issues most of the Amazon-branded credit cards. That means your redemption options go beyond just shopping at Amazon.

For example, you can redeem points for cash back. Every 2,000 points you redeem is worth $20 in cash rewards in the form of a statement credit.

Gift cards are another option. You can get a $25 gift card for every 2,500 points redeemed.

If you like to travel, you’re in luck. You can redeem points for travel purchases, including flights, hotels, cruises and car rentals.

Looking Beyond Rewards: Other Card Perks

The rewards program is undoubtedly the best feature of this credit card, but that’s not all you get. The card also comes packed with extras for travel and shopping.

Travel protections

If you travel a little or a lot, this card has got you covered. The following features are included in your card membership:

Travel accident insurance

When you charge air, bus, train or cruise fare to your card, you’re covered by up to $500,000 in accidental death or dismemberment insurance.

Lost luggage reimbursement

You’ve also got $3,000 in lost luggage reimbursement coverage per passenger if your bags are lost or damaged.

Baggage delay insurance

Having to wait for your bags to catch up with you once you reach your destination can be a pain.

This card offers reimbursement coverage for things like toiletries and clothing if your baggage is delayed by more than 6 hours. The coverage maxes out at $100 a day for three days.

Travel and emergency assistance

When you’re away from home, it’s always good to have someone you can call on for help.

Fortunately, card members can get help with legal and medical referrals or other travel and emergency assistance.

Roadside dispatch

You can also get help if you need a tow or a jumpstart or you just run out of gas. Any service fees related to the call are automatically charged to your card.

Visa Signature Luxury Hotel Collection

As a cardmember, you can choose from over 900 luxury hotels around the world. Cardmembers receive bonus goodies like the best available rate, automatic room upgrades when available and complimentary in-room Wi-Fi.

Visa Signature Concierge Service: Visa Signature Concierge Service is available 24 hours 1st national bank paragould ar day.

If you need help finding tickets to a sports or entertainment event, making dinner reservations or tracking down the perfect gift, concierge service is on standby.

Auto rental collision damage waiver

One final travel perk covers you if you’re renting a car. Your card comes with rental car insurance for most rental cars in the U.S. and abroad.

Shopping protections

You can shop ‘til you drop without worrying about extra hassles. Your card comes with both extended warranty protection and purchase protection built in.

The extended warranty program extends your existing warranty for one year, financial federal health credit union eligible warranties of three years or less. You’re also covered against damage or theft for the first 120 days, up to $500 per claim.

Is It Worth the Cost?

As mentioned earlier, there’s no annual fee for this card. To qualify for the 5% back rewards rate on Amazon purchases, you have to have an eligible Amazon Prime membership. That includes:

  • Annual and monthly Amazon Prime subscriptions, excluding Amazon Prime video subscriptions
  • Members who share Prime benefits via an Amazon Household
  • Amazon Prime Fresh
  • Amazon Amazon prime card vs amazon rewards visa Prime Amazon prime card vs amazon rewards visa memberships of annual and monthly Amazon Prime subscriptions, Amazon Prime Fresh, and Amazon Prime Student (excluding Amazon Prime video subscriptions)

The standard Prime membership is $99. That breaks down to $8.25 a month. The best way to look at the math is this: how often do you use Prime services?

If you’re regularly streaming movies, music or TV, then $99 may be a small price to pay. The same goes if you regularly buy things on Amazon.

Free 2-day shipping is included on eligible Prime purchases. The money you could save alone on shipping could easily make up for the $99 subscription fee.

One other thing to consider is the annual percentage rate (APR).

There’s no low introductory APR for purchases or balance transfers with this card. The regular variable APR applies to everything you purchase or transfer.

The APR range pretty is broad and if you don’t have the best credit score, you may end up with a higher rate.

If you’re not paying in full each month, the APR could make the things you buy with the card more expensive.

How It Compares to Other Rewards Cards

The Amazon Prime Rewards Visa Signature Card isn’t the only credit card that lets you earn rewards.

Another card may be more appealing if you have different spending habits. Here are other cards you might want to consider.

Amazon Rewards Visa Signature Card

The Amazon Rewards Visa Signature Card is designed for Amazon shoppers who want to earn rewards without paying the Prime membership fee.

This card offers 3% back at Amazon.com, 2% at restaurants, gas stations, and drugstores, and 1% everywhere else.

Virtually everything else is the same with this card, from the APR range to the travel and shopping protections.

The two biggest differences are the lower rewards rate on Amazon purchases and the fact that you don’t have to be a Prime member to get this card. If you don’t use Prime, this one could be a good alternative.

Chase Freedom

The has a rotating cash back structure, with cardmembers earning 5% back on selected purchases each quarter. There’s no annual fee either.

One reason to consider this card is the potential to the devil and daniel webster math worksheet answers more rewards on Amazon purchases.

In the past, during certain promotion periods, Chase has increased the quarterly bonus on Amazon shopping to as much as 10%.

Read the Chase Freedom editor's review.

Citi Double Cash

The  is the strong contender due to its simple cash back program, which could allow you to earn an effective 2% cash back on all spending.

It also have no annual fee.

Read the Citi Double Cash editor's review.

A No-Brainer For Amazon Prime Members

The Amazon Prime Rewards Visa Signature Card could be a great choice for anyone who does a lot of spending on Amazon but also uses their card for other purchases.

We wouldn’t recommend this one if you don’t want to pay the $99 subscription fee required for Prime membership.

Ultimately, this card is best suited for Amazon shoppers who already use Prime and want to get more points back on their purchases.

Continue Reading

Источник: https://www.mybanktracker.com

At Experian, one of our priorities is consumer credit and finance education. This post may contain links and references to one or more of our partners, but we provide an objective view to help you make the best decisions. For more information, see our Editorial Policy.

Whole Foods isn't exactly known for its low prices, but since the grocery giant was bought by Amazon in 2017, changes have been afoot. The online retailer has slashed prices on many Whole Foods products, and in 2018 announced that shoppers using the Amazon Prime Rewards Visa Signature card will earn 5% cash back on purchases made at Whole Foods.

There is a small catch: The 5% cash back benefit, which also applies to Amazon.com purchases, is only available to active members of Amazon Prime, a subscription program that offers free two-day shipping, access to streaming video and music, and a variety of other Amazon-specific perks for $119 a year.

Those who do not have Amazon Prime can get the Amazon Rewards Visa Signature Card, which gives 3% cash back on Amazon.com and Whole Foods purchases. Cardholders of either card can get 2% cash back at restaurants, gas stations and drugstores, and 1% back on all other purchases.

The cards, which are offered through a partnership with Chase, also come with several other benefits, including no foreign transaction fees on purchases made abroad, lost luggage reimbursement and no cap on rewards earnings. Cardholders can redeem rewards at Amazon itself, but also through cash back in form of statement credits, gift cards and at Chase's travel rewards portal.

So Is It Worth It to Apply for the Amazon Prime Rewards Card?

For existing Prime members who are big Amazon spenders, it's probably a good bet—especially because there's no annual fee to own the card. You could even use this card to earn cash rewards that totally cover your $119 Amazon Prime membership if you spend at least $2,380 a year at Amazon.com. But if you don't spend that much at Amazon.com every year, you could probably make up that membership fee with rewards earned through spending at Whole Foods and elsewhere.

If your spending lines up with the Amazon Prime Rewards Card's rewards categories, signing up for Prime and applying for the card is worth considering, because the cash back could cover your Prime membership.

But if shelling out $119 a year for a Prime membership isn't something you'd do anyway, the card is less attractive and you may want to consider other rewards cards. That's because there are others out there that can earn you 3% or more on all grocery purchases (American Express has several), as well as other cards that offer higher returns on dining out and gas. The key, as usual, lies in examining where you spend your money in order to maximize your cash back rewards and using the right card on the right purchases.

Here's when it makes little sense to apply for the card: If you plan on carrying any sort of credit card balance. The APR on the Amazon Rewards Visa card is between 14.24% and 22.24%, depending on an applicant's credit worthiness. That rate could wipe out any rewards you might earn—and saddle you with additional debt.

All information about the Amazon Prime Rewards Visa Signature Card and Amazon Rewards Visa Signature Card has been collected independently by Experian. The product details on this page have not been reviewed or provided by the card issuer. Check issuer's website for current offer details.

Источник: https://www.experian.com/blogs/ask-experian/should-you-get-the-amazon-rewards-visa-card/

Amazon store cards vs. Amazon Visa credit cards

If you do a lot of online shopping, Amazon.com is likely one of your first stops – so much so that you may be considering applying for an Amazon-branded credit card to earn rewards or finance purchases. But at a glance, deciding which card to get can be a challenge.

You have two main routes to consider: A store-only credit card from Synchrony Bank or a traditional credit card from Chase.

From Synchrony, there’s the Amazon Store Card and its counterpart for Amazon Prime members, the Amazon Prime Store Card; and from Chase, there’s the Amazon Rewards Visa Signature Card and its counterpart for Prime members, the Amazon Prime Rewards Visa Signature Card.

Luckily, despite some similarities, each of these cards is geared toward a very specific consumer, and deciding which is best for you comes down to two key questions: Are you a Prime member? and, what’s your credit score?

See related: Best credit cards for Amazon purchases

Best Amazon co-branded credit cards

  • Amazon Prime Secured Card: Best for bad credit or a limited credit history
  • Amazon Store Card: Best for fair credit and no Prime membership
  • Amazon Prime Store Card: Best for fair credit with a Prime membership
  • Amazon Rewards Visa Signature Card*: Best for good credit and no Prime membership
  • Amazon Prime Rewards Visa Signature Card*: Best for good credit with a Prime membership

Amazon Prime Store Card vs. Amazon Prime Visa card: At a glance

Synchrony and Chase each offer two versions of their Amazon cards – one for Prime members and one for nonmembers – and you’re automatically assigned one or the other when you apply.

Whether you opt for an Amazon store card from Synchrony or an Amazon Visa from Chase, being a Prime member is key if you want to maximize your rewards on Amazon purchases.

While you’ll earn 5% back on Amazon purchases with either the Amazon Prime Store Card or the Amazon Prime Visa card, the two cards vary considerably in other areas, including their sign-up bonuses, approval odds and cardholder benefits.

Amazon <a href=Tarrant county jail release Store Card" width="89" height="56">
Amazon Prime Store Card
Amazon Prime Rewards Visa Signature card
Amazon Prime Rewards Visa Signature Card
Rewards rate5% cash back on Amazon.com purchases
  • 5% cash back on Amazon.com and Whole Foods purchases
  • 2% back on restaurant, gas station and drugstore purchases
  • 1% back on all other purchases
Sign-up bonus$100 Amazon.com gift card$150 Amazon.com gift card
Annual fee$0 (but requires $119 Amazon Prime membership)$0 (but requires $119 Amazon Prime membership)
Card perks
  • Access to Amazon promotional financing offers
  • Zero fraud liability
  • Access to Amazon promotional financing offers
  • Extended warranty
  • Purchase protection
  • Roadside dispatch
  • Car rental insurance
  • No foreign transaction fees
Estimated earnings in first year ($15,900 spend)$124$401

Amazon credit cards: Key differences

Amazon store cards issued by Synchrony Bank share some key features with the Amazon Visa cards issued by Chase – including exclusive Amazon financing offers and a chance at bonus rewards on Amazon purchases. But they are completely separate products geared toward very different consumers. Here are some of the most important differences to keep in mind.

Open vs. closed loop

The most obvious difference between the Synchrony Amazon cards and the Chase Amazon cards is their reach.

Like most store credit cards, Synchrony’s Amazon cards are “closed loop” credit cards. Closed-loop cards can only be used at a specific store or family of brands – in this case, only on Amazon.com and Audible.com purchases and amazon prime card vs amazon rewards visa select Pay With Amazon merchants. Chase’s Amazon cards, in contrast, are “open-loop” cards, which can be used anywhere Visa cards are accepted, online or off.

Approval odds

Another major point of departure for these two card suites is their credit requirements. While you can qualify for one of Synchrony’s Amazon store cards with only a fair credit score, you’ll likely need at least a good credit score to qualify for one of the Amazon Visa cards from Chase.

Tip: Even if your credit falls short of those bench marks, you can still get an Amazon card. You’ll just need to start off with the Amazon Prime Secured Card, a secured credit card that can upgrade to a regular Amazon store card.

Unfortunately, while you can prequalify for some Chase cards on the issuer’s website, neither Synchrony nor Chase currently offers prequalification on their Amazon credit cards. The Amazon store cards do offer instant approval, however, so you can find out if your application was approved within seconds.

See related: What affects your credit score?

Rewards programs

The Amazon Prime Store Card from Synchrony and the Amazon Prime Rewards Visa Signature card from Chase each offer 5% back on Amazon.com purchases, but the latter card also comes with 2% back on restaurant, gas station and drugstore purchases and 1% back on all other purchases.

Meanwhile, the Amazon Rewards Visa Signature Card, designed for cardholders who are not Prime members, offers just 3% back on Amazon.com and Whole Foods purchases but carries the same rate as the Amazon Prime Rewards Visa in other categories: 2% back on restaurant, gas station and drugstore purchases and 1% back on all other purchases.

Without a Prime membership, the Amazon Store Card earns no rewards.

Additionally, the rewards you earn with Synchrony’s Amazon Prime Store Card are much less flexible than those you earn with a Chase Amazon card. Amazon Prime Store Card rewards can only be used for purchases on Amazon.com, while Amazon Visa card rewards can be redeemed in a variety of ways, including as cash back in the form of amazon prime card vs amazon rewards visa deposit or statement credit, for Amazon purchases and for travel.

Best for building credit: Amazon Prime Secured Card

If you have a limited credit history or are working on rebuilding your credit after a few financial missteps, both the Amazon store cards and the Chase Amazon cards may be temporarily out of reach. And since nearly every new credit card application will result in a hard pull of your credit report, it makes sense to limit applications to cards that offer a decent chance at approval.

A great starting point is the Amazon Prime Secured Card, a secured version of the Amazon store cards. Also issued by Synchrony Bank, the Amazon Prime Secured Card charges no annual fee but requires you to put down a refundable deposit of $100 to $1,000 (in $50 increments), which doubles as your credit limit.

To start, the card offers 2% back on Amazon.com purchases for Prime members. After 12 months of responsible use, you may be able to graduate to an unsecured Amazon store card, get your deposit back and boost your cash back rate to 5% on Amazon.com purchases with a Prime membership. The card also charges an ultra-low fixed APR of just 10% and a late fee of up to $5 (far lower than the up to $40 you typically find on credit cards).

Once your credit score improves, you can also look for a more flexible cash back credit card like one of the Amazon Visa cards. Just keep in mind that since the Amazon store cards and Amazon Visa cards have different issuers, you can’t request a product change from one to the other. You’ll need to put in a separate application and face a separate hard credit inquiry.

See related: How a secured card helped my credit score

Best for average credit: Amazon Prime Store Rooms to go credit card payments online, on the other hand, you have at least a middle-of-the-road credit profile, one of the Amazon store cards from Synchrony will be your best bet, as these cards offer much more favorable approval odds than the Amazon Visa cards. Assuming you pay on time and keep your balances low, store cards like these can be a great tool as you work to move your credit from average to good.

The wide variety of items available on Amazon.com may also make these cards a smarter financial choice than the typical closed-loop store card, jobs in real estate office near me you can use your Amazon store card for both practical items and the occasional indulgence. If you’re a Prime member, you’ll still earn rewards, and, unlike many unsecured credit-building cards, the Amazon store cards charge no amazon prime card vs amazon rewards visa fee.

Best for earning rewards: Amazon Prime Rewards Visa Signature Card

Whether you’re a Prime member or not, Chase’s Amazon cards win out easily on the rewards front. These cards offer many more opportunities to earn rewards on everyday spending and are much more flexible.

Indeed, even with its lower rewards rate on Amazon purchases, the Amazon Rewards Visa Signature Card beats out the Amazon Prime Store Card – thanks to rewards flexibility and a higher average rewards rate across purchases outside of Amazon.com.

There’s amazon prime card vs amazon rewards visa a stark contrast when it comes to sign-up bonuses. On either Amazon store card, new members get a $100 Amazon.com gift card upon approval, compared to a $150 and $50 gift card with the Amazon Prime Rewards Visa and Amazon Rewards Visa, respectively.

Tip: The Amazon credit cards aren’t your only options for earning rewards on Amazon or other online shopping. The Discover it® Cash Back is one good alternative, as it frequently features Amazon.com in its cash back calendar. This year, the card is offering 5% back on Amazon.com purchases from October through December (upon enrollment, on up to $1,500 in spending per quarter, then 1%).

Best for Amazon financing: It depends

While both the Amazon store cards from Synchrony Bank and the Amazon Visa cards from Chase come with promotional Amazon financing offers for cardholders, the terms are slightly bank of america app logo you’re looking to pay off an Amazon purchase over time and are debating which route to go, you may need to choose between a longer financing period (but a higher APR and minimum purchase requirement) and a lower minimum purchase requirement (but a shorter financing period).

Both cards let you choose between Equal Pay financing – which charges no interest if you houston federal credit union your equal monthly installment payments on time – and Special Financing – which uses a deferred interest model.

While the difference is not dramatic, Synchrony’s Amazon store cards offer longer financing periods on Equal Pay purchases. With the store cards, you can get six, 12 or 24 months to pay off your minimum purchase of $150, $600 and $800, respectively. The Chase Amazon Visa cards, on the other hand, offer six- 12- and 18-month financing plans on minimum purchases of $150, $250 and $500, respectively.

Keep in mind, the 25.99% variable APR on Synchrony’s Amazon store cards is fairly high compared to the average credit card interest rate and could come back to bite you if you opt for Special Financing.

See related: Can you amazon prime card vs amazon rewards visa a store card balance to a credit card?

Which Amazon credit card is best for you?

Along with your Prime membership status, your credit score will be the main factor in deciding which Amazon credit card is the best match for you.

If you have a damaged credit score or a limited credit history – or even if your credit score is just average – you’ll likely have a hard time qualifying for one of the Amazon Visa cards from Chase. Stick with one of the secured or unsecured Synchrony store cards while you build your score, after which you can apply for a more lucrative Amazon credit card from Chase.

If, on the other hand, your score is in good shape, one of the Chase Amazon cards is the obvious choice, as you cannot only earn more plentiful (and more flexible) rewards but also enjoy a lower APR and take advantage of Amazon financing on large purchases.

*All information about the Amazon Prime Rewards Visa Signature Card, the Amazon Rewards Visa Signature Card and the Amazon Prime Secured Card has been collected independently by CreditCards.com and has not been reviewed by the issuers.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Nouri Zarrugh is a staff editor at CreditCards.com, focusing on credit card reviews, product news and recommendations. Also a fiction writer, he won the Keene Prize for Literature and holds an MFA in creative writing from the Michener Center for Writers at the University of Texas at Austin.

Источник: https://www.creditcards.com/credit-card-news/amazon-store-card-vs-amazon-visa/

Amazon Rewards Visa Signature Review

This card is perfect for regular Amazon and Whole Foods shoppers who don’t have an Amazon Prime membership, or don’t want to buy one for $119 a year. You’ll earn extra cash back on purchases from Amazon.com, Whole Foods Market, restaurants, drug stores, and gas stations—for no annual fee.

Note:

The offer you see on Amazon's website depends on whether or not you subscribe to Amazon Prime. If you do and you are logged in, you'll see an offer for the Amazon Prime Rewards Visa Signature card. If you do not subscribe or you are not logged in, the offer you see will be for the Amazon Rewards Visa Signature card. The Prime version includes a bonus for new cardholders of $150 and 5% cash back at Amazon and Whole Foods Market. That card also has no annual fee beyond an annual Prime membership.

While travel buffs would be better off with a travel rewards card, this is not a bad card to take with you on a trip. It provides a variety of travel insurance and assistance products, and charges no foreign transaction fees.

Pros
  • Easy-to-earn new cardholder bonus

  • Widespread acceptance

  • Travel perks

Cons
  • No low-interest balance transfer or purchase offer

  • Earns less on Amazon purchases than the Amazon Prime card

Pros explained 

  • Easy-to-earn new cardholder bonus:You’ll get a $100 Amazon gift card upon approval. That's an unusually good bonus for a retail card since you're not required to spend anything to get it. 
  • Widespread acceptance: Some retail cards can only be used at a single store or group of stores. This card can be used anywhere that Visa is accepted, and therefore acts more like a general cash-back card.
  • Travel perks: The card has some strong travel-related insurance benefits and doesn’t charge a foreign transaction fee. 

Cons explained

  • No low-interest balance transfer or introductory purchase offer:Some cash-back credit cards offer these types of deals for up to 15 months, but this isn’t one. 
  • Earns less than the Amazon Prime card: This card offers a smaller bonus for new cardholders and a lower cash-back rate, compared to the Amazon Prime Rewards Visa Signature card. If you’re a loyal, frequent Amazon and Whole Foods customer, you may want to purchase the membership required for the Amazon Prime card to get the highest rewards.

Bonus for New Cardholders

You’ll earn a $100 Amazon electronic gift card upon credit card approval. That’s not bad for a retail card bonus, especially considering you don’t have to spend anything to get it. 

Earning Points and Rewards

The Amazon Rewards Visa Signature Card from Chase offers three levels of cash-back earnings. You’ll earn 3% at Amazon.com and Whole Foods Markets; 2% at restaurants, gas stations, and drugstores; and 1% on everything else.

Points don’t expire as long as your account stays open.

Redeeming Rewards

In general, each point is worth 1 cent when redeemed for cash. Here are a few ways to redeem points:

  • Cash or statement credits:10,000 points translate to $100, and you can transfer cash electronically to checking or savings accounts. Statement credits are applied directly to balances, but they don’t replace minimum payments due. The exception is if the statement credit pays off the full balance including interest owed. 
  • Amazon purchases:Use points directly through your Amazon account like cash. You can pay partially with points and any remaining balances can be paid with Amazon gift cards or your Amazon credit card. 
  • Gift cards:Gift cards for restaurants and retailers can be purchased atchase.com/amazonrewards.
  • Travel: Points for travel can be redeemed at the Chase Travel Center phone number. Any difference in costs can be paid with your card, and some bookings will have a minimum booking amount.

How to Get the Most out of This Card

Consider buying everything you can from Amazon.com and Whole Foods to earn 3% back. Then make sure you amazon prime card vs amazon rewards visa the card for all your restaurant, gas, and drugstore purchases to max out the 2% category. Consider, however, buying your over-the-counter drugstore purchases from Amazon instead of a drugstore, so you’ll get 3% instead of 2% back.

Redeeming points for Amazon purchases is not the best way to use rewards. By covering part of the purchase with points, you’re not earning cash back on that amount—in the highest rewards category.

Excellent Perks

The Amazon Rewards Visa Signature card provides a couple of perks that our editors have deemed “excellent” because they provide more value than the standard credit card perks.

  • Travel accident insurance: If you’re dismembered or killed in an accident while on a trip you paid for with this card, you or your survivors are eligible for up to $500,000 in coverage.
  • Coverage for lost, damaged, or delayed luggage: Lost or delayed luggage is reimbursed at up to $3,000 per passenger. If your flight is delayed for six hours or more, each passenger may be reimbursed for clothing and toiletries at a rate of $100 per day for up to three days.

Other Features 

  • Rental car collision insurance (secondary to your own policy)
  • Insurance for stolen or damaged purchases
  • Extended warranties
  • Travel and emergency hotline
  • Concierge for booking event tickets, restaurant reservations, hotels, and other services 

Customer Experience

In J.D. Power’s 2020 U.S. Credit Card Satisfaction Study, Chase was ranked fourth out of 11 and scored only one point below the average.

You can call Chase customer service representatives 24/7 but there is no online chat capability. One interesting feature that Chase offers is its Credit Journey tool, which gives you access to a free credit score updated weekly and a score simulator, which shows you how your score might be impacted by different behaviors, such as paying off debt.

You don’t have to be a Chase customer to use Credit Journey. 

Security Features

Chase’s credit cards have industry-standard security features and a few exceptional ones. You can lock your card from the app if you misplace it, and if you need a new card, you can get a free replacement within 3-5 business days.

Fees

The Amazon Rewards Visa Signature card has mostly standard fees for a card of this type, although the 5% balance transfer fee may give some pause. Travelers will be pleased that there are no foreign transaction fees.

Источник: https://www.thebalance.com/amazon-rewards-visa-signature-review-4768195

Amazon prime card vs amazon rewards visa -

Amazon store cards vs. Amazon Visa credit cards

If you do a lot of online shopping, Amazon.com is likely one of your first stops – so much so that you may be considering applying for an Amazon-branded credit card to earn rewards or finance purchases. But at a glance, deciding which card to get can be a challenge.

You have two main routes to consider: A store-only credit card from Synchrony Bank or a traditional credit card from Chase.

From Synchrony, there’s the Amazon Store Card and its counterpart for Amazon Prime members, the Amazon Prime Store Card; and from Chase, there’s the Amazon Rewards Visa Signature Card and its counterpart for Prime members, the Amazon Prime Rewards Visa Signature Card.

Luckily, despite some similarities, each of these cards is geared toward a very specific consumer, and deciding which is best for you comes down to two key questions: Are you a Prime member? and, what’s your credit score?

See related: Best credit cards for Amazon purchases

Best Amazon co-branded credit cards

  • Amazon Prime Secured Card: Best for bad credit or a limited credit history
  • Amazon Store Card: Best for fair credit and no Prime membership
  • Amazon Prime Store Card: Best for fair credit with a Prime membership
  • Amazon Rewards Visa Signature Card*: Best for good credit and no Prime membership
  • Amazon Prime Rewards Visa Signature Card*: Best for good credit with a Prime membership

Amazon Prime Store Card vs. Amazon Prime Visa card: At a glance

Synchrony and Chase each offer two versions of their Amazon cards – one for Prime members and one for nonmembers – and you’re automatically assigned one or the other when you apply.

Whether you opt for an Amazon store card from Synchrony or an Amazon Visa from Chase, being a Prime member is key if you want to maximize your rewards on Amazon purchases.

While you’ll earn 5% back on Amazon purchases with either the Amazon Prime Store Card or the Amazon Prime Visa card, the two cards vary considerably in other areas, including their sign-up bonuses, approval odds and cardholder benefits.

Amazon Prime Store Card
Amazon Prime Store Card
Amazon Prime Rewards Visa Signature card
Amazon Prime Rewards Visa Signature Card
Rewards rate5% cash back on Amazon.com purchases
  • 5% cash back on Amazon.com and Whole Foods purchases
  • 2% back on restaurant, gas station and drugstore purchases
  • 1% back on all other purchases
Sign-up bonus$100 Amazon.com gift card$150 Amazon.com gift card
Annual fee$0 (but requires $119 Amazon Prime membership)$0 (but requires $119 Amazon Prime membership)
Card perks
  • Access to Amazon promotional financing offers
  • Zero fraud liability
  • Access to Amazon promotional financing offers
  • Extended warranty
  • Purchase protection
  • Roadside dispatch
  • Car rental insurance
  • No foreign transaction fees
Estimated earnings in first year ($15,900 spend)$124$401

Amazon credit cards: Key differences

Amazon store cards issued by Synchrony Bank share some key features with the Amazon Visa cards issued by Chase – including exclusive Amazon financing offers and a chance at bonus rewards on Amazon purchases. But they are completely separate products geared toward very different consumers. Here are some of the most important differences to keep in mind.

Open vs. closed loop

The most obvious difference between the Synchrony Amazon cards and the Chase Amazon cards is their reach.

Like most store credit cards, Synchrony’s Amazon cards are “closed loop” credit cards. Closed-loop cards can only be used at a specific store or family of brands – in this case, only on Amazon.com and Audible.com purchases and with select Pay With Amazon merchants. Chase’s Amazon cards, in contrast, are “open-loop” cards, which can be used anywhere Visa cards are accepted, online or off.

Approval odds

Another major point of departure for these two card suites is their credit requirements. While you can qualify for one of Synchrony’s Amazon store cards with only a fair credit score, you’ll likely need at least a good credit score to qualify for one of the Amazon Visa cards from Chase.

Tip: Even if your credit falls short of those bench marks, you can still get an Amazon card. You’ll just need to start off with the Amazon Prime Secured Card, a secured credit card that can upgrade to a regular Amazon store card.

Unfortunately, while you can prequalify for some Chase cards on the issuer’s website, neither Synchrony nor Chase currently offers prequalification on their Amazon credit cards. The Amazon store cards do offer instant approval, however, so you can find out if your application was approved within seconds.

See related: What affects your credit score?

Rewards programs

The Amazon Prime Store Card from Synchrony and the Amazon Prime Rewards Visa Signature card from Chase each offer 5% back on Amazon.com purchases, but the latter card also comes with 2% back on restaurant, gas station and drugstore purchases and 1% back on all other purchases.

Meanwhile, the Amazon Rewards Visa Signature Card, designed for cardholders who are not Prime members, offers just 3% back on Amazon.com and Whole Foods purchases but carries the same rate as the Amazon Prime Rewards Visa in other categories: 2% back on restaurant, gas station and drugstore purchases and 1% back on all other purchases.

Without a Prime membership, the Amazon Store Card earns no rewards.

Additionally, the rewards you earn with Synchrony’s Amazon Prime Store Card are much less flexible than those you earn with a Chase Amazon card. Amazon Prime Store Card rewards can only be used for purchases on Amazon.com, while Amazon Visa card rewards can be redeemed in a variety of ways, including as cash back in the form of a deposit or statement credit, for Amazon purchases and for travel.

Best for building credit: Amazon Prime Secured Card

If you have a limited credit history or are working on rebuilding your credit after a few financial missteps, both the Amazon store cards and the Chase Amazon cards may be temporarily out of reach. And since nearly every new credit card application will result in a hard pull of your credit report, it makes sense to limit applications to cards that offer a decent chance at approval.

A great starting point is the Amazon Prime Secured Card, a secured version of the Amazon store cards. Also issued by Synchrony Bank, the Amazon Prime Secured Card charges no annual fee but requires you to put down a refundable deposit of $100 to $1,000 (in $50 increments), which doubles as your credit limit.

To start, the card offers 2% back on Amazon.com purchases for Prime members. After 12 months of responsible use, you may be able to graduate to an unsecured Amazon store card, get your deposit back and boost your cash back rate to 5% on Amazon.com purchases with a Prime membership. The card also charges an ultra-low fixed APR of just 10% and a late fee of up to $5 (far lower than the up to $40 you typically find on credit cards).

Once your credit score improves, you can also look for a more flexible cash back credit card like one of the Amazon Visa cards. Just keep in mind that since the Amazon store cards and Amazon Visa cards have different issuers, you can’t request a product change from one to the other. You’ll need to put in a separate application and face a separate hard credit inquiry.

See related: How a secured card helped my credit score

Best for average credit: Amazon Prime Store Card

If, on the other hand, you have at least a middle-of-the-road credit profile, one of the Amazon store cards from Synchrony will be your best bet, as these cards offer much more favorable approval odds than the Amazon Visa cards. Assuming you pay on time and keep your balances low, store cards like these can be a great tool as you work to move your credit from average to good.

The wide variety of items available on Amazon.com may also make these cards a smarter financial choice than the typical closed-loop store card, as you can use your Amazon store card for both practical items and the occasional indulgence. If you’re a Prime member, you’ll still earn rewards, and, unlike many unsecured credit-building cards, the Amazon store cards charge no annual fee.

Best for earning rewards: Amazon Prime Rewards Visa Signature Card

Whether you’re a Prime member or not, Chase’s Amazon cards win out easily on the rewards front. These cards offer many more opportunities to earn rewards on everyday spending and are much more flexible.

Indeed, even with its lower rewards rate on Amazon purchases, the Amazon Rewards Visa Signature Card beats out the Amazon Prime Store Card – thanks to rewards flexibility and a higher average rewards rate across purchases outside of Amazon.com.

There’s also a stark contrast when it comes to sign-up bonuses. On either Amazon store card, new members get a $100 Amazon.com gift card upon approval, compared to a $150 and $50 gift card with the Amazon Prime Rewards Visa and Amazon Rewards Visa, respectively.

Tip: The Amazon credit cards aren’t your only options for earning rewards on Amazon or other online shopping. The Discover it® Cash Back is one good alternative, as it frequently features Amazon.com in its cash back calendar. This year, the card is offering 5% back on Amazon.com purchases from October through December (upon enrollment, on up to $1,500 in spending per quarter, then 1%).

Best for Amazon financing: It depends

While both the Amazon store cards from Synchrony Bank and the Amazon Visa cards from Chase come with promotional Amazon financing offers for cardholders, the terms are slightly different.

If you’re looking to pay off an Amazon purchase over time and are debating which route to go, you may need to choose between a longer financing period (but a higher APR and minimum purchase requirement) and a lower minimum purchase requirement (but a shorter financing period).

Both cards let you choose between Equal Pay financing – which charges no interest if you make your equal monthly installment payments on time – and Special Financing – which uses a deferred interest model.

While the difference is not dramatic, Synchrony’s Amazon store cards offer longer financing periods on Equal Pay purchases. With the store cards, you can get six, 12 or 24 months to pay off your minimum purchase of $150, $600 and $800, respectively. The Chase Amazon Visa cards, on the other hand, offer six-, 12- and 18-month financing plans on minimum purchases of $150, $250 and $500, respectively.

Keep in mind, the 25.99% variable APR on Synchrony’s Amazon store cards is fairly high compared to the average credit card interest rate and could come back to bite you if you opt for Special Financing.

See related: Can you transfer a store card balance to a credit card?

Which Amazon credit card is best for you?

Along with your Prime membership status, your credit score will be the main factor in deciding which Amazon credit card is the best match for you.

If you have a damaged credit score or a limited credit history – or even if your credit score is just average – you’ll likely have a hard time qualifying for one of the Amazon Visa cards from Chase. Stick with one of the secured or unsecured Synchrony store cards while you build your score, after which you can apply for a more lucrative Amazon credit card from Chase.

If, on the other hand, your score is in good shape, one of the Chase Amazon cards is the obvious choice, as you cannot only earn more plentiful (and more flexible) rewards but also enjoy a lower APR and take advantage of Amazon financing on large purchases.

*All information about the Amazon Prime Rewards Visa Signature Card, the Amazon Rewards Visa Signature Card and the Amazon Prime Secured Card has been collected independently by CreditCards.com and has not been reviewed by the issuers.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Nouri Zarrugh is a staff editor at CreditCards.com, focusing on credit card reviews, product news and recommendations. Also a fiction writer, he won the Keene Prize for Literature and holds an MFA in creative writing from the Michener Center for Writers at the University of Texas at Austin.

Источник: https://www.creditcards.com/credit-card-news/amazon-store-card-vs-amazon-visa/

At Experian, one of our priorities is consumer credit and finance education. This post may contain links and references to one or more of our partners, but we provide an objective view to help you make the best decisions. For more information, see our Editorial Policy.

Whole Foods isn't exactly known for its low prices, but since the grocery giant was bought by Amazon in 2017, changes have been afoot. The online retailer has slashed prices on many Whole Foods products, and in 2018 announced that shoppers using the Amazon Prime Rewards Visa Signature card will earn 5% cash back on purchases made at Whole Foods.

There is a small catch: The 5% cash back benefit, which also applies to Amazon.com purchases, is only available to active members of Amazon Prime, a subscription program that offers free two-day shipping, access to streaming video and music, and a variety of other Amazon-specific perks for $119 a year.

Those who do not have Amazon Prime can get the Amazon Rewards Visa Signature Card, which gives 3% cash back on Amazon.com and Whole Foods purchases. Cardholders of either card can get 2% cash back at restaurants, gas stations and drugstores, and 1% back on all other purchases.

The cards, which are offered through a partnership with Chase, also come with several other benefits, including no foreign transaction fees on purchases made abroad, lost luggage reimbursement and no cap on rewards earnings. Cardholders can redeem rewards at Amazon itself, but also through cash back in form of statement credits, gift cards and at Chase's travel rewards portal.

So Is It Worth It to Apply for the Amazon Prime Rewards Card?

For existing Prime members who are big Amazon spenders, it's probably a good bet—especially because there's no annual fee to own the card. You could even use this card to earn cash rewards that totally cover your $119 Amazon Prime membership if you spend at least $2,380 a year at Amazon.com. But if you don't spend that much at Amazon.com every year, you could probably make up that membership fee with rewards earned through spending at Whole Foods and elsewhere.

If your spending lines up with the Amazon Prime Rewards Card's rewards categories, signing up for Prime and applying for the card is worth considering, because the cash back could cover your Prime membership.

But if shelling out $119 a year for a Prime membership isn't something you'd do anyway, the card is less attractive and you may want to consider other rewards cards. That's because there are others out there that can earn you 3% or more on all grocery purchases (American Express has several), as well as other cards that offer higher returns on dining out and gas. The key, as usual, lies in examining where you spend your money in order to maximize your cash back rewards and using the right card on the right purchases.

Here's when it makes little sense to apply for the card: If you plan on carrying any sort of credit card balance. The APR on the Amazon Rewards Visa card is between 14.24% and 22.24%, depending on an applicant's credit worthiness. That rate could wipe out any rewards you might earn—and saddle you with additional debt.

All information about the Amazon Prime Rewards Visa Signature Card and Amazon Rewards Visa Signature Card has been collected independently by Experian. The product details on this page have not been reviewed or provided by the card issuer. Check issuer's website for current offer details.

Источник: https://www.experian.com/blogs/ask-experian/should-you-get-the-amazon-rewards-visa-card/

Amazon Rewards Visa Signature Review

This card is perfect for regular Amazon and Whole Foods shoppers who don’t have an Amazon Prime membership, or don’t want to buy one for $119 a year. You’ll earn extra cash back on purchases from Amazon.com, Whole Foods Market, restaurants, drug stores, and gas stations—for no annual fee.

Note:

The offer you see on Amazon's website depends on whether or not you subscribe to Amazon Prime. If you do and you are logged in, you'll see an offer for the Amazon Prime Rewards Visa Signature card. If you do not subscribe or you are not logged in, the offer you see will be for the Amazon Rewards Visa Signature card. The Prime version includes a bonus for new cardholders of $150 and 5% cash back at Amazon and Whole Foods Market. That card also has no annual fee beyond an annual Prime membership.

While travel buffs would be better off with a travel rewards card, this is not a bad card to take with you on a trip. It provides a variety of travel insurance and assistance products, and charges no foreign transaction fees.

Pros
  • Easy-to-earn new cardholder bonus

  • Widespread acceptance

  • Travel perks

Cons
  • No low-interest balance transfer or purchase offer

  • Earns less on Amazon purchases than the Amazon Prime card

Pros explained 

  • Easy-to-earn new cardholder bonus:You’ll get a $100 Amazon gift card upon approval. That's an unusually good bonus for a retail card since you're not required to spend anything to get it. 
  • Widespread acceptance: Some retail cards can only be used at a single store or group of stores. This card can be used anywhere that Visa is accepted, and therefore acts more like a general cash-back card.
  • Travel perks: The card has some strong travel-related insurance benefits and doesn’t charge a foreign transaction fee. 

Cons explained

  • No low-interest balance transfer or introductory purchase offer:Some cash-back credit cards offer these types of deals for up to 15 months, but this isn’t one. 
  • Earns less than the Amazon Prime card: This card offers a smaller bonus for new cardholders and a lower cash-back rate, compared to the Amazon Prime Rewards Visa Signature card. If you’re a loyal, frequent Amazon and Whole Foods customer, you may want to purchase the membership required for the Amazon Prime card to get the highest rewards.

Bonus for New Cardholders

You’ll earn a $100 Amazon electronic gift card upon credit card approval. That’s not bad for a retail card bonus, especially considering you don’t have to spend anything to get it. 

Earning Points and Rewards

The Amazon Rewards Visa Signature Card from Chase offers three levels of cash-back earnings. You’ll earn 3% at Amazon.com and Whole Foods Markets; 2% at restaurants, gas stations, and drugstores; and 1% on everything else.

Points don’t expire as long as your account stays open.

Redeeming Rewards

In general, each point is worth 1 cent when redeemed for cash. Here are a few ways to redeem points:

  • Cash or statement credits:10,000 points translate to $100, and you can transfer cash electronically to checking or savings accounts. Statement credits are applied directly to balances, but they don’t replace minimum payments due. The exception is if the statement credit pays off the full balance including interest owed. 
  • Amazon purchases:Use points directly through your Amazon account like cash. You can pay partially with points and any remaining balances can be paid with Amazon gift cards or your Amazon credit card. 
  • Gift cards:Gift cards for restaurants and retailers can be purchased atchase.com/amazonrewards.
  • Travel: Points for travel can be redeemed at the Chase Travel Center phone number. Any difference in costs can be paid with your card, and some bookings will have a minimum booking amount.

How to Get the Most out of This Card

Consider buying everything you can from Amazon.com and Whole Foods to earn 3% back. Then make sure you use the card for all your restaurant, gas, and drugstore purchases to max out the 2% category. Consider, however, buying your over-the-counter drugstore purchases from Amazon instead of a drugstore, so you’ll get 3% instead of 2% back.

Redeeming points for Amazon purchases is not the best way to use rewards. By covering part of the purchase with points, you’re not earning cash back on that amount—in the highest rewards category.

Excellent Perks

The Amazon Rewards Visa Signature card provides a couple of perks that our editors have deemed “excellent” because they provide more value than the standard credit card perks.

  • Travel accident insurance: If you’re dismembered or killed in an accident while on a trip you paid for with this card, you or your survivors are eligible for up to $500,000 in coverage.
  • Coverage for lost, damaged, or delayed luggage: Lost or delayed luggage is reimbursed at up to $3,000 per passenger. If your flight is delayed for six hours or more, each passenger may be reimbursed for clothing and toiletries at a rate of $100 per day for up to three days.

Other Features 

  • Rental car collision insurance (secondary to your own policy)
  • Insurance for stolen or damaged purchases
  • Extended warranties
  • Travel and emergency hotline
  • Concierge for booking event tickets, restaurant reservations, hotels, and other services 

Customer Experience

In J.D. Power’s 2020 U.S. Credit Card Satisfaction Study, Chase was ranked fourth out of 11 and scored only one point below the average.

You can call Chase customer service representatives 24/7 but there is no online chat capability. One interesting feature that Chase offers is its Credit Journey tool, which gives you access to a free credit score updated weekly and a score simulator, which shows you how your score might be impacted by different behaviors, such as paying off debt.

You don’t have to be a Chase customer to use Credit Journey. 

Security Features

Chase’s credit cards have industry-standard security features and a few exceptional ones. You can lock your card from the app if you misplace it, and if you need a new card, you can get a free replacement within 3-5 business days.

Fees

The Amazon Rewards Visa Signature card has mostly standard fees for a card of this type, although the 5% balance transfer fee may give some pause. Travelers will be pleased that there are no foreign transaction fees.

Источник: https://www.thebalance.com/amazon-rewards-visa-signature-review-4768195

Amazon Prime Rewards Visa Signature Card review: A role model retail card

Snapshot

Bankrate rating

      Bottom line

      The Amazon Prime Rewards Visa Signature Card is a must-have for frequent Prime shoppers and offers impressive reward categories and benefits for a store-branded credit card.

      Amazon Prime Rewards Visa Signature Card

      Rewards rate

      1%–5%

      Intro bonus

      $200 Amazon Gift Card

      Regular APR

      14.24% to 22.24% Variable

      Recommended Credit Score

      Good to Excellent  (670 - 850)

      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 protections—but these are minor nitpicks compared to what many other store cards (don’t) offer.

      What are the advantages and disadvantages?

      Pros

      • High earning rate on Amazon and Whole Foods purchases
      • $100 bonus Amazon gift card instantly upon approval (Limited-time offer through November 30: $200 for approved Prime members, $100 for approved non-Prime members)
      • No foreign transaction fees
      • Rewards can be redeemed at an equal rate toward cash back, travel and Amazon purchases
      • Carries beefy Chase travel and purchase protections plus Visa Signature benefits, including Luxury Hotel Collection perks and concierge services

      Cons

      • Requires an Amazon Prime membership, which costs $119 per year
      • Only one Amazon Prime account can be linked to this card
      • Reward points can’t be transferred to other loyalty programs
      • Although it’s a Chase credit card, it doesn’t have access to the Chase Offers or Chase Ultimate Rewards portals

      A deeper look into the current card offer

      Quick highlights

      • Rewards rate: 5 percent back at Amazon.com and Whole Foods Market; 2 percent back at restaurants, gas stations and drugstores; 1 percent back on all other purchases
      • Welcome offer: $100 Amazon gift card upon approval (Limited-time offer through November 30: $200 for approved Prime members, $100 for approved non-Prime members)
      • Annual fee: $0 ($119 Amazon Prime subscription required)
      • Purchase intro APR: N/A
      • Balance transfer intro APR: N/A
      • Regular APR: 14.24 percent to 22.24 percent variable

      Current sign-up bonus

      You can currently receive a $100 Amazon gift card just by being approved for the Prime Rewards Visa card, which is nothing to sneeze at for an instant bonus with no spending requirement; but the promotion has been larger recently.

      Ahead of Prime Day this past June, the Amazon Prime Rewards Visa Signature Card updated its intro offer to a sizable $150 Amazon gift card upon approval. This synced perfectly with the 10+ percent boosted rewards limited-time offer for select products on Prime Day, which could make the lead-in period to Prime Day perhaps the best time to apply for an Amazon Prime Rewards Visa card. Granted, the bonus gift card has previously weighed in at a lower $70, but waiting till Prime Day could put a little extra value in your pocket if you’re in no rush.

      The $100 gift card value is below the low end of many sign-up bonuses we typically see, which usually weigh in at $150 to $200 with no annual fee cards. However, there is no spending requirement for the standard Amazon credit offer—you receive the bonus instantly—and many store cards don’t offer a sign-up bonus at all. As far as retail cards go, the bonus is a nice plus since it can nearly cover the $119 yearly cost of Amazon Prime membership for the first year.

      Although it’s not a traditional sign-up “bonus,” there’s also an alternate Whole Foods Market card art, which became available for new cardholders starting Jan. 22, 2021. Existing cardholders can also switch card designs if they want to show off their Whole Foods loyalty.

      Bankrate insight

      Just in time for Black Friday shopping, the Amazon Prime Visa Signature’s latest limited-time offer is doubling the previous sign-up bonus value through the end of November. Considering there’s no spending requirement, that’s a solid payday for Prime and non-Prime members alike.

      Limited-time offer: From November 17 to November 30, 2021, approved applicants with a Prime membership will receive a $200 Amazon gift card. Approved applicants without a Prime membership will receive a $100 Amazon gift card.

      Rewards rate

      Regular Amazon shoppers will have no problem earning a slew of rewards with the Prime card. With one of the highest-earning rates available for Amazon purchases, you’ll only need to spend $2,380 each year to recoup your Prime membership—or about $199 per month.

      How you earn

      Amazon.com and Whole Foods Market purchases will earn you unlimited 5 percent rewards. Plus, you’ll earn 2 percent at restaurants, gas stations and drugstores, along with 1 percent back on all other purchases.

      Since the 5 percent category also applies to Whole Foods Market, this is also one of the best grocery rewards rates if you can do your grocery shopping there.

      Amazon and Chase occasionally offer additional ways to earn rewards. Amazon regularly posts limited-time “Exclusive Prime cardmember” offers that provide anywhere from 10 to 25 percent back on select items.

      How to redeem

      Although the reward terms make it sound like you’re earning cash back, you’re actually earning points. You can redeem your points at a 1:1 value toward cash back, travel, gift cards or Amazon purchases upon checkout.

      Источник: https://www.bankrate.com/finance/credit-cards/reviews/amazon-prime-rewards-visa-signature-card-review/

      Amazon Store Cards vs. Amazon Visa Credit Cards: What’s the Difference?

      If you can’t get enough of shopping on Amazon, don’t worry; you’re not the only one. According to Amazon statistics and facts from Statista, there are more than 200 million paying Amazon Prime members worldwide. In addition, Amazon Prime members spent an average annual amount of $1,400 each on Amazon in 2019.

      With that kind of spending, it makes sense to consider an Amazon credit card to help you save money on your purchases. But which card should you choose?

      In this Amazon store cards vs. Amazon Visa cards comparison, you’ll learn about these popular Amazon card options and how they work. This will help you understand which type of Amazon card would be a better fit for you depending on your situation and goals.

      The difference between store cards and credit cards

      Before jumping into the details of the different Amazon credit cards, it’s important to understand two categories these cards can fall into: closed loop or open loop.

      The Amazon Store Card and Amazon Prime Store Card are considered closed-loop cards, which is what most store cards are. A card on a closed loop works only at specific locations, so you wouldn’t be able to use it outside of the store it’s associated with. These two cards only work on Amazon.

      The Amazon Rewards Visa Signature Card and Amazon Prime Rewards Visa Signature Card are considered open-loop cards because they work anywhere Visa cards are accepted. So you’re able to use them to make purchases on Amazon, but you can also use them for any other purchases you may have from any retailer (as long as they accept Visa).

      Quick look: Amazon store cards vs. credit cards

      Amazon.com Store CardAmazon Prime Store CardAmazon Rewards Visa Signature CardAmazon Prime Rewards Visa Signature Card
      IssuerSynchrony Synchrony Chase Chase
      Annual fee$0 $0 $0 $0
      Sign-up bonusEarn an Amazon gift card upon approval, typically worth $10 to $100 Earn an Amazon gift card upon approval, typically worth $10 to $100 Earn a $50 Amazon gift card upon approval of credit card application $100 Amazon gift card upon approval
      Rewards rateNone 5% back on Amazon purchases 3% cash back at Amazon.com and Whole Foods Market; 2% at restaurants, gas stations, and drugstores; and 1% on all other purchases 5% cash back at Amazon.com and Whole Foods Market; 2% at restaurants, gas stations, and drugstores; 1% on all other purchases
      Redemption optionsNone Amazon purchases or statement credits Amazon purchases, statement credits, direct deposits, gift cards, or travel Amazon purchases, statement credits, direct deposits, gift cards, or travel
      BenefitsSpecial financing options for six, 12, or 24 months on select items Special financing options for six, 12, or 24 months on select items Travel and protection benefits; special financing options Travel and protection benefits; special financing options
      Prime membership requiredNo Yes No Yes
      Recommended credit scoreFair Fair Good Excellent, Good

      Now we’ll jump into the details of the four Amazon credit cards and compare how they stack up against each other, especially in regards to their rewards program. This will help you understand whether one of the Amazon store cards or one of the Amazon Rewards Visa cards would be a better fit for you.

      Best for sign-up bonus: It varies

      Getting a sign-up bonus can be a nice sweetener on top of a card’s other rewards and benefits. In many cases, a more valuable sign-up bonus could be the difference maker for you when you compare credit cards.

      Each of the four Amazon credit cards typically offers cardholders an Amazon gift card upon approval. The gift card amount often ranges from $10 to $100, whether it’s one of the store cards or one of the Amazon Rewards Visa cards. If you want the best sign-up bonus for an Amazon credit card, check both the store cards and Rewards Visa cards to see which ones have the higher offers when you’re ready to apply.

      Keep in mind that many credit cards require you to hit a minimum spend amount to qualify for a sign-up bonus, but none of these four cards have that requirement. If you’re approved for one of these cards, you get the applicable bonus.

      Best for earning rewards: Amazon Prime Rewards Visa

      The non-Prime version of the Amazon Store Card doesn’t earn any rewards, whereas the other three Amazon cards — the Amazon Prime Store Card and the two Visa cards — offer excellent earning potential. But if you want additional opportunities to earn rewards, the best credit card for Amazon is likely the Amazon Prime Rewards Visa Card.

      This is primarily because the Amazon Prime Rewards Visa provides earning potential outside of Amazon.com purchases because it’s on an open-loop network and can be used anywhere Visa cards are accepted. It also offers bonus categories apart from Amazon purchases.

      For example, the Amazon Prime Rewards Visa offers 5% cash back at Amazon.com and Whole Foods Market; 2% at restaurants, gas stations, and drugstores; 1% on all other purchases. This gives you more flexibility than the Amazon Prime Store Card and a higher earning potential than the non-Prime Amazon Rewards Visa.

      When it comes to redeeming rewards, the Amazon Rewards Visa cards have more options. Rewards from the Amazon Prime Store Card can be redeemed for Amazon purchases or statement credits, but the rewards from the Visa cards can be redeemed for Amazon purchases, statement credits, direct deposits, gift cards, and travel.


      Best for benefits: Amazon Rewards Visa cards

      You won’t find many benefits on the Amazon store cards, though they do have special financing options for big-ticket purchases to help you pay them off without interest over the course of six, 12, or 24 months. For more perks, consider the Amazon Rewards Visa cards.

      The Amazon Rewards Visa and Amazon Prime Rewards Visa cards offer these additional benefits:

      • Special financing offers on purchases for six to 18 months for purchases of $50 or more
      • No foreign transaction fees
      • Travel and emergency assistance
      • Lost luggage reimbursement
      • Baggage delay insurance
      • Travel accident insurance
      • Auto rental collision damage waiver
      • Roadside dispatch
      • Purchase protection
      • Extended warranty protection
      • Visa Signature Concierge Service

      Many of these benefits can be useful if you travel frequently or want additional protection on your eligible purchases.

      Best for annual fee: All Amazon cards

      None of these cards have annual fees, which makes them all equally valuable when it comes to annual costs. But you have to keep the cost of an Amazon Prime membership in mind if you’re using one of the Prime cards, which would be either the Amazon Rewards Visa or the Amazon Prime Rewards Visa.

      These two Prime cards are available only to those with an Amazon Prime membership. So in an indirect way, it’s as if they have a $119 annual fee, which is the cost of a Prime membership each year.

      However, you also get plenty of other benefits from a Prime membership, such as two-day shipping and exclusive deals, as well as access to millions of songs, books, movies, shows, and games. Not signing up for Prime is one of many mistakes Amazon shoppers make because the benefits can far outweigh the cost.

      Best for longer financing

      Both the Amazon store cards and Amazon Rewards Visa cards have helpful financing options available, though they aren’t exactly the same. You don’t have to sign up for these financing options, but you do need to select your Amazon credit card (one of the store cards or one of the Rewards Visa cards) as your payment method during checkout for your financing options to show up. Then you select the available financing option you want to use and complete the checkout process.

      For the Amazon store cards, you get these options:

      • Equal monthly payments: Pay equal monthly payments on your eligible Amazon purchases at a 0% APR for six, 12, or 24 months.
      • Special financing: Pay no interest rate on eligible purchases if the purchase is completely paid off within six, 12, or 24 months. Minimum monthly payments are required and interest will be charged starting from the purchase date if the purchase isn’t paid off before the offer period ends. It’s best to pay off your purchases during the special financing period or you’ll have to pay a high APR of 25.99% (as of July 14, 2021) on your entire purchase, which is a huge increase on what you’d already be paying.

      For the Amazon Rewards Visa cards, you get the option to make equal monthly payments on your eligible Amazon purchases at a 0% APR for six, 12, or 18 months.

      Overall, the Amazon store cards provide more flexibility with your financing options, which can be helpful depending on your situation. Keep in mind that these financing options, for both the Amazon store cards and Amazon Rewards Visa cards, are primarily for big-ticket purchases of $50 to $800 or more.

      Best for building credit: Amazon store cards

      When it comes to how to build credit, any credit card can play a part as long as you use it responsibly and make on-time payments each month. But if you can’t qualify for a certain credit card because your credit score isn’t high enough, you’ll have to consider other options.

      Store cards are typically easier to qualify for because they have less strict requirements than many other credit cards. So if you compare Amazon store cards vs. Amazon Visa cards, the store cards would likely make more sense for building credit because you don’t need a good or excellent credit score to be approved.

      Fair credit, which is at least a 580 FICO Score, is often good enough to qualify for a store card. To be approved for one of the Amazon Rewards Visa cards, you likely need at least a good credit score, or a 670 FICO Score.

      Quick note: Amazon store card vs. Amazon Prime store card

      It can get confusing talking about Amazon store cards as a whole because they’re actually two different cards. Where it gets more confusing, though, is that you can only apply for the Amazon.com Store Card.

      To get the Amazon Prime Store Card, you have to already have the standard Amazon Store Card and an eligible Amazon Prime membership. This will qualify you for an automatic update to the Amazon Prime Store Card.

      If you’re approved for the Amazon Store Card and don’t have a Prime membership, you’ll end up with the non-Prime Amazon.com Store Card, which doesn’t offer any earning potential.

      The two Amazon Rewards Visa cards work similarly. Whether you receive the Amazon Rewards Visa Card or Amazon Prime Rewards Visa Card depends on whether you have an eligible Amazon Prime membership.

      Additional Amazon card options

      If these cards don’t seem like the best fit for you, there are other Amazon card options from other credit card issuers. These include:

      • Amazon Secured Card: This card is issued by Synchrony Bank and provides you with a way to build or rebuild your credit. It has no annual fee, can be used for Amazon purchases, and requires between a $100 to $1,000 refundable security deposit.
      • Amazon Business American Express Card: Has a $0 (See rates and fees) annual fee and offers 3% back in Amazon Rewards points or no interest for 60 days on U.S. Amazon Business, AWS, Amazon.com, and Whole Foods purchases; 2% back at U.S. restaurants, U.S. gas stations, and purchases with U.S. wireless providers; and 1% back on all other purchases. (Terms apply.)
      • Amazon Business Prime American Express Card: Has a $0 (See rates and fees) annual fee and offers 5% back in Amazon Rewards points or no interest for 90 days on U.S. Amazon Business, AWS, Amazon.com, and Whole Foods purchases; 2% back at U.S. restaurants, U.S. gas stations, and purchases with U.S. wireless providers; and 1% back on all other purchases. An eligible Amazon Prime membership is required for this card. (Terms apply.)

      FAQs

      What is the difference between the Amazon store card and Amazon Visa?

      The Amazon store cards can be used only for Amazon purchases, whereas the Amazon Visa cards can be used anywhere Visa cards are accepted. In addition, the Amazon Visa cards have more benefits than the Amazon store cards, including different types of travel insurance and purchase protections. However, it’s likely easier to qualify for the Amazon store cards because they have less strict requirements.

      What credit score do I need for an Amazon card?

      You likely need a fair credit score to qualify for the Amazon.com Store Card, but the Amazon Rewards Visa Card typically requires a good credit score. A 580 FICO Score would be considered fair and a 670 FICO Score would be considered good.

      Is the Amazon Store Card worth it?

      The Amazon.com Store Card could be worth it if you frequently shop on Amazon and can’t qualify for the Amazon Rewards Visa Card because of your credit. However, it doesn’t earn you rewards unless you have an Amazon Prime membership. If you are a Prime member, that qualifies you for earning rewards on your Amazon purchases with the Amazon Prime Store Card, which makes having this car far more worthwhile.


      Bottom line

      Amazon credit cards can make sense if you frequently shop on Amazon. But depending on your shopping habits, you might get better value from a more versatile credit card like the Chase Freedom Flex or Citi Double Cash, which are often included as two of the best rewards credit cards available.

      The Chase Freedom Flex can be an excellent card to use on everyday expenses. It offers bonus cash back in multiple categories, including 5% cash back on rotating quarterly categories (on up to $1,500 spent) and travel purchased through the Chase Ultimate Rewards portal and 3% cash back on restaurants (including takeout and delivery) and drugstores. When combined with a Chase Sapphire Preferred, the Freedom Flex can be powerful for earning both cashback rewards and travel rewards.

      To learn more about this card, read our Chase Freedom Flex review.

      The Citi Double Cash makes earning rewards simple and straightforward because you get the same earning rate on every purchase. Earn restaurants (including takeout and delivery) and drugstores.

      To learn more about this card, read our Citi Double Cash review.

      Author Details

      Ben Walker

      Ben Walker Ben Walker is a credit cards and travel writer at FinanceBuzz who loves helping others achieve their travel goals through financially-sound decisions. For nearly a decade, he has been using credit card points and miles for the sole purpose of traveling the world. Ben has been featured in The Washington Post, MSN, Debt.com, and Finder.com.

      More posts from Ben Walker >

      Источник: https://financebuzz.com/amazon-store-card-vs-amazon-visa

      Amazon Prime Rewards Visa Signature Card 2021 Review

      The Amazon Prime Rewards card is the premium Amazon credit card, available only to Amazon Prime members. It offers a strong 5% cash back in rewards at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% cash back at restaurants, gas stations and drugstores and 1% on all other purchases. This earning rate makes the Amazon Prime Rewards Visa card the best credit card on the market for an Amazon purchase.

      In addition to the strong cash back rate, rewards are simple to redeem. You can use your cash back as a statement credit, direct deposit and for Amazon purchases. If you want to use your Amazon Prime rewards for a gift card or travel you can, but the process requires calling Chase. Travel can only be booked through Chase’s travel agency which may not have the best rates. You will be better off getting cash and booking travel on your own than redeeming prime rewards through Chase.

      The Amazon Prime credit card also offers peace of mind after your purchases. The Amazon credit card extends the time period for the U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less. You are also protected against theft or damage for 120 days up to $500 per claim and $50,000 per credit card account. These two benefits together mean the Amazon Prime Rewards Visa is a good card to use for high-end Amazon purchases on items such as electronics.

      The Amazon Prime Rewards Visa is a Visa Signature card, which means it offers a strong set of travel-related benefits, especially when you consider that there’s no additional annual fee other than paying for Prime Membership. In fact, this card could replace a travel rewards card if you don’t need lounge access or specific airline or hotel chain perks. You won’t earn a travel category bonus, but if you don’t travel often the Amazon Prime Rewards Visa could offer enough protection and perks for you.

      The auto rental collision damage waiver benefit could save you hundreds on a car rental by allowing you to decline the pricey extra coverage offered by car rental companies. You can also get lost luggage reimbursement and delay insurance by booking transport through the Amazon card’s Visa Signature card benefits. In addition, the Amazon Prime Rewards Visa doesn’t charge a foreign transaction fee.

      The Amazon Visa Signature Card Concierge can come in handy if you need restaurant reservations, event tickets, or help with a special occasion.

      Another travel benefit that doesn’t get enough credit is access to the Visa Signature Card hotel collection. The service, free with your Amazon Prime Visa Signature Card, gives you perks at over 900 hotels worldwide including automatic room upgrades (when available) and other goodies often including free breakfast and late checkout. With Visa Signature Card Hotel collection bookings, you can get the perks of hotel status without the onerous stay requirements. The hotel benefit could return hundreds of dollars of cash to your pocket in just one stay.

      And finally, if you get into trouble while traveling, Visa Signature Card services offer both roadside assistance and travel and emergency services. Unfortunately, you will have to pay for the actual services you use; the card only offers access to someone who can help you.

      Источник: https://www.forbes.com/advisor/credit-cards/reviews/amazon-prime-rewards-visa-signature-card/

      Notice: Undefined variable: z_bot in /sites/msofficesetup.us/amazon/amazon-prime-card-vs-amazon-rewards-visa.php on line 136

      Notice: Undefined variable: z_empty in /sites/msofficesetup.us/amazon/amazon-prime-card-vs-amazon-rewards-visa.php on line 136

      4 Replies to “Amazon prime card vs amazon rewards visa”

      1. @Lakshman and Sonisha please make one video on how to get NOC from ministry of foreign affairs

      Leave a Reply

      Your email address will not be published. Required fields are marked *