Amazon Credit Card Review Why to choose it No other card rewards you as generously or consistently for loyalty if you spend a lot at Whole Foods or Amazon. If you don’t shop at any of the retailers often, you’ll get more out of a card that rewards you for shopping where you like.

Let’s start with Amazon card interest rates first method:

CONTENT:

Information about Amazon credit card prices and fees
Amazon Payment Cards Review
Current Amazon Credit Card Sign Up Bonus
Key features of the Amazon Prime Rewards Visa Signature Card

What are the advantages and disadvantages?

Amazon Prime Rewards Visa Signature Card vs Capital One Walmart Rewards Card
To Choose or Not to Choose an Amazon Prime Rewards Visa Signature Card?
The best cards to pair with Visa Signature Amazon Prime Rewards
All information about Amazon Prime Rewards Visa Signature Card and Capital One Walmart Rewards Card was collected independently by blog.unibulmerchantservices.com and has not been reviewed or endorsed by the publisher Amazon Credit Card Review Why to choose it.

Information about Amazon credit card prices and fees
Let’s start with Amazon card interest rates first.

INTEREST RATES
APR (annual percentage rate) from 16.49% to 24.49%
Cash Advance 27.24%
Minimum interest None
How to avoid paying interest The due date is at least 21 days after the end of each billing cycle. The Company will not charge any interest on new purchases provided you pay the balance in full or save interest on each month’s due date. You will be charged interest on balance transfers and cash advances from the transaction date.
Amazon credit card fees are Amazon Credit Card Review Why to choose it:

FEES
Annual membership fee None
Balance Transfers Either $5 or 5% of each transfer
Cash Advances Either $10 or 5% of each transaction
Foreign transactions None
Late payment up to $39
Cashback up to $39
Return Check None

More information can be found in the Price list and terms and conditions Amazon Credit Card Review Why to choose it.

Amazon Payment Cards Review
If you’re an Amazon Prime loyalist, it’s hard to fault the Amazon Prime Rewards Visa Signature Card.

This Chase card offers a fantastic rewards rate at both Amazon.com and Whole Foods. It is also different from other cards that store a mark. You can use it and earn rewards anywhere Visa is accepted Amazon Credit Card Review Why to choose it.

Bonus rewards are also available at drugstores, restaurants and gas stations.

In addition, the purchase options with the store card are very flexible.

All of this is at zero cost, but you must first purchase an Amazon Prime membership. People who don’t spend enough through Amazon to justify the cost of membership will have to shop elsewhere.

Amazon provides a number of credit cards in the same way as this one. Some are reserved for Prime members, while others are available to everyone. Some business cards are only available on Amazon, while others can be used anywhere Visa is accepted Amazon Credit Card Review Why to choose it.

Current Amazon Credit Card Sign Up Bonus
When you get approved by this Prime Rewards Visa card, you have a chance to earn up to a $115 Amazon gift card. This is the same as the highest value offer we saw earlier in 2021 and is a significant increase from the most recent $100 gift card. However, it is important to note that the value of this gift card may vary depending on the site you apply for Amazon Credit Card Review Why to choose it.

Ahead of Prime Day this June, the Amazon Prime Rewards Visa Signature Card changed its original offer to include a $115 Amazon gift card size upon approval.

This perfectly matched the 10% increase in rewards for the limited time offer on select items. They are usually offered during Prime Day, which may cause an introductory period before Prime Day. Perhaps the best opportunity to apply for an Amazon Prime Rewards Visa card is if your application does not currently offer a total value of $150.

The $100 offer wasn’t a bad offer at all. The bonus gift card was previously valued at less than $70. However, seeing a more competitive return of $150 on gift cards can be an attractive hook Amazon Credit Card Review Why to choose it.

The $100 value was lower than the low end of many of the most lucrative credit card sign-up bonus offers, which typically range from $150 to $200 with no annual fees. However, there is no minimum spending requirement for a typical Amazon credit card (you get the bonus instantly), and some credit cards don’t offer a sign-up bonus.

When it comes to retail cards, the reward is an excellent perk as it covers the annual cost of Amazon Prime membership of $139 during the first year Amazon Credit Card Review Why to choose it.

Key features of the Amazon Prime Rewards Visa Signature Card
Card Type: Amazon Credit Store Card and Rewards

Annual cost: $0

However, you must be part of an Amazon Prime member family. Membership costs $139 per year. Be aware that several states have sales tax on membership costs, which increases the cost of membership.

Sign-up bonus: Amazon sometimes offers gift cards in varying amounts upon receipt. For example, you can get 50, 100, 115 or otherwise Amazon Credit Card Review Why to choose it.

Rewards:

Get 5% off purchases at Amazon.com and Whole Foods Market.
2% back at restaurants, gas stations, drugstores and restaurants.
1% off any other purchase.
Rewards are earned as points, which can be worth a penny. They can be used to make qualifying purchases on Amazon.com and there are no minimum redemption requirements. You can also use points through Chase for cash back or as a statement credit or transfer to an eligible savings or checking account with no minimum requirements.

Other redemption options include gift and travel cards. Please note that points earned with an Amazon credit card cannot be used with Chase Ultimate Rewards points Amazon Credit Card Review Why to choose it.

APR: Current APR is 16.49% to 24.49%.

Foreign Transaction Fees: None.

Another benefits:

Travel protection: Passenger baggage loss accident insurance, baggage delay insurance, emergency and travel assistance, rental car collision damage waiver, road dispatch waiver.
Purchase Protection: Extended Warranty Purchase Protection.
Plus: Visa Signature concierge service and access to book hotels from the Visa Signature luxury hotel collection Amazon Credit Card Review Why to choose it.

What are the advantages and disadvantages Amazon Credit Card Review Why to choose it?

BENEFITS of the Amazon Prime Rewards Visa Signature Card
5% Back: High earning rates on Amazon.com and Whole Foods make daily miscellaneous shopping and grocery shopping profitable.
NO Foreign Transaction Fees: No foreign transaction fees make this card a great cost-saving travel partner.
1% – 2% Back: Rewards can be redeemed at a similar rate to travel, cashback and Amazon purchases, giving cardholders plenty of options with their rewards.
Travelers can do their business in peace by taking advantage of the huge Chase.

More than 40% of online shoppers shop at Amazon at least once a month, according to a recent NPR survey.

If you’re one of them, you may have seen the Amazon credit card promotions. The mega online retailer offers four types of credit cards. Pick the accepted numbers and determine which of these options provides the most benefit to frequent shoppers Amazon Credit Card Review Why to choose it.

Our #1 choice is the Amazon Prime Rewards Visa Signature Card. Although the card requires users to have an eligible Amazon Prime membership ($139 per year or $14.99 per month), the company’s branded credit card offers the highest rewards return: 5% cash back at Amazon.com and Whole Foods Market. Plus, on Amazon Prime Day, you can get an even higher cash back rate when you shop with your Amazon card. With over 200 million subscribers to Amazon Prime, many people already fulfill this requirement Amazon Credit Card Review Why to choose it.

Below are four Amazon credit cards to help you choose the best card for your needs.

Amazon Prime Rewards Visa Signature Card
Amazon Rewards Visa Signature Card
Amazon Store Card
Amazon Prime Store Card
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Amazon Prime Rewards Visa Signature Card
Amazon Prime Rewards Visa Signature Card
Amazon Prime Rewards Visa Signature Card
FIND OUT MORE
On Amazon’s secure website
Rewards
5% cash back at Amazon.com and Whole Foods Market; 2% back at restaurants, gas stations and drugstores; 1% back on all other purchases

Welcome bonus
$200 Amazon.com Gift Card upon approval

Annual fee
$0 (but requires Prime membership)

Introduction APR
None

Regular APR
15.74% to 23.74% variable

Balance transfer fee
5%, $5 minimum

Foreign transaction fee
None

Credit required
Excellent/Good

Check out our methodology, conditions apply.

Pros
No annual fee
$100 Amazon.com Gift Card upon approval, no spending requirements
5% back at Amazon.com and Whole Foods Market
No fees for purchases made outside the US.
Disadvantages
Primary membership is required
5% back on groceries only applies to groceries purchased at Amazon.com or Whole Foods Market
Estimated rewards earned after 1 year: $590
Estimated rewards earned after 5 years: $2,352
Reward totals include points earned from the welcome bonus

Show more
who it’s for The Amazon Prime Rewards Visa Signature Card, offered through Chase, rewards users with the highest unlimited cash back rate of any Amazon Select brand credit card analyzed. Earn a robust 5% cash back on all purchases made by Prime members at Amazon and Whole Foods. This is one of the key reasons why this card was our #1 choice for online shopping Amazon Credit Card Review Why to choose it.

In addition to a generous 5% cash back at these two retailers, the card offers users 2% back on purchases made at restaurants, gas stations and drugstores. All other purchases earn 1% cash back.

If you’re wondering if an Amazon Prime membership is worth the money, this card might help you decide: As a welcome bonus, cardholders can get a $100 Amazon.com gift card to offset the $139 annual membership for your first year.

Amazon Prime membership gives you access to a number of benefits, including free two-day shipping, access to Prime Video, and exclusive discounts at Whole Foods.

That said, the Amazon Prime Rewards Visa Signature Card doesn’t have the most competitive welcome bonus, and you can earn more than 2% back at restaurants, gas stations, and drug stores with other rewards cards if those are big spending areas for you Amazon Credit Card Review Why to choose it.

*First year rewards total includes points earned from welcome bonus. When we calculated the returns for the Amazon Prime Rewards Visa Signature Card, we assumed that the cardholder would buy 75% of their groceries at Whole Foods Market; 25% of their clothing and home goods are purchased on Amazon. You may get a higher or lower return depending on your spending habits Amazon Credit Card Review Why to choose it.

Amazon Rewards Visa Signature Card
Amazon Rewards Visa Signature Card
Amazon Rewards Visa Signature Card
FIND OUT MORE
On Amazon’s secure website
Rewards
3% cash back at Amazon.com and Whole Foods Market; 2% back at restaurants, gas stations and drugstores; 1% back on all other purchases

Welcome bonus
$50 Amazon.com Gift Card upon approval

Annual fee
$0

Introduction APR
None

Regular APR
15.74% to 23.74% variable

Balance transfer fee
5%, $5 minimum

Foreign transaction fee
None

Credit required
Excellent/Good

Check out our methodology, conditions apply.

Pros
No annual fee
No Prime membership required
$50 Amazon Gift Card upon approval, no spending requirements
3% back on Amazon and Whole Foods Market
No fees for purchases made outside the US.
Disadvantages
3% back on groceries only applies to groceries purchased at Amazon or Whole Foods Market
Estimated rewards earned after 1 year: $399
Estimated rewards earned after 5 years: $1,835
Reward totals include points earned from the welcome bonus

Show more Amazon Credit Card Review Why to choose it.
who’s it for If you don’t have an Amazon Prime membership but still use the site frequently to shop, another option is the Amazon Rewards Visa Signature Card. This credit card doesn’t require a Prime membership and still offers 3% back at Amazon and Whole Foods, along with 2% back at restaurants, gas stations and drugstores.

New cardholders will receive a $50 Amazon gift card once their application is approved. Cardholders can also enjoy no foreign transaction fees and choose travel benefits such as travel accident insurance, car rental collision damage waivers and lost baggage reimbursement.

If you later decide to become a Prime member, you will be upgraded to the Prime version of this card.

*First year rewards total includes points earned from welcome bonus. When we calculated the returns for the Amazon Rewards Visa Signature Card, we assumed that the cardholder would buy 75% of their groceries at Whole Foods Market; 25% of their clothing and home goods are purchased on Amazon. You may get a higher or lower return depending on your spending habits Amazon Credit Card Review Why to choose it.

Amazon Store Card
Amazon Store Card
Amazon Store Card
FIND OUT MORE
On Amazon’s secure website
Rewards
None

Welcome bonus
$10 Amazon.com Gift Card upon approval

Annual fee
$0

Introduction APR
Pay no interest on all Amazon purchases of $150 or more when paid in full within 6, 12 or 24 months

Regular APR
27.49% variable

Balance transfer fee
Can not be used

Foreign transaction fee
Can not be used

Check out our methodology, conditions apply.

Pros
No annual fee
$10 Amazon.com Gift Card upon approval, no spending requirements
Various promotional financing offers
Disadvantages
Deferred interest means you have to pay all the interest you accrue during the introductory period unless you pay off the balance in full before it ends
No rewards program
This card can only be used on Amazon
High APR
Show more
who’s it for If you’re not a Prime member but still want to make a big purchase on Amazon, the Amazon.com Store Card, offered through Sync Amazon Credit Card Review Why to choose it.

The Amazon Prime Rewards Visa Signature Card is one of the best credit cards for online shopping thanks to its high rewards rates on Amazon purchases with no spending limits and Visa Signature benefits. This card packs a punch if you spend around $2,800 or more at Amazon and Whole Foods. If you use it to its full potential, you can easily recoup the cost of your Amazon Prime membership while enjoying other key benefits, including surprisingly rich travel and shopping protection.

The biggest downsides, however, are the cost of Amazon Prime membership, restrictions on Amazon brands for your best rewards tiers, and a few missing purchase protections — but these are minor nitpicks compared to what many other store cards don’t offer Amazon Credit Card Review Why to choose it.

What are the advantages and disadvantages?

No foreign transaction fees make this card a cost-effective travel companion.

Rewards can be redeemed at the same rate for cash back, travel and Amazon purchases, giving cardholders plenty of flexibility with their rewards.

Travelers can roam free with Chase’s essential travel and shopping protections, plus Visa Signature benefits, including Luxury Hotel Collection benefits and concierge services Amazon Credit Card Review Why to choose it.

Disadvantages
The required $139 Amazon Prime membership adds considerably to the cost of carrying this card.

There is no ability to transfer rewards points to other programs, so cardholders are limited in where they can redeem their points Amazon Credit Card Review Why to choose it.

Although it is a Chase credit card, it does not have access to the Chase Offers or Chase Ultimate Rewards portals.

A deeper look into the current offer of cards
Quick highlight
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: Up to $150 Amazon Gift Card upon approval
Annual fee: $0 ($139 Amazon Prime subscription required)
Intro Purchase APR: N/A
Balance Transfer Introductory APR: N/A
Regular APR: 14.24 percent to 22.24 percent (variable)
Current welcome offer
You can currently receive an Amazon gift card worth up to $150 just by being approved for a Prime Rewards Visa card, which equals the most valuable card promotion we’ve seen in 2021 — and it’s a nice step up from the previous $100 gift card offer. . However, it’s important to note that the value of this gift card may vary depending on the site you claim from Amazon Credit Card Review Why to choose it.

Ahead of Prime Day in June 2021, the Amazon Prime Rewards Visa Signature Card has updated its introductory offer to include an extensive range of Amazon gift cards worth up to $150 upon approval. This timed perfectly with a limited-time rewards offer of more than 10 percent on select products that typically appears on Prime Day, which could make the lead-up to Prime Day perhaps the best time to apply for an Amazon Prime Rewards Visa card. if your request is not currently offering the full introductory value of Amazon Credit Card Review Why to choose it.

The previous $100 promotion wasn’t a bad deal by any means — as the bonus gift card once weighed in at a lower $70 — but seeing a much more competitive return on a gift card up to $150 is much more enticing. The $100 value was below the floor of many of the best credit card sign-up bonuses, typically weighing in at $150 to $200 without annual cards Amazon Credit Card Review Why to choose it.

However, the standard Amazon credit offer requires no spend (you get the bonus instantly), and many business cards don’t offer a sign-up bonus at all. When it comes to retail cards, the bonus is a nice plus, as it can cover the $139 annual cost of an Amazon Prime membership for the first year Amazon Credit Card Review Why to choose it.

Reward rate
Regular Amazon customers will have no problem earning plenty of rewards with their Prime card. With one of the highest earning rates available for purchases on Amazon, you’ll only need to spend $2,780 each year to earn back your Prime membership — or about $232 per month Amazon Credit Card Review Why to choose it.

How you earn
Amazon.com and Whole Foods Market purchases earn you unlimited 5 percent rewards. Plus, you’ll earn 2 percent back at restaurants, gas stations and drugstores, and 1 percent back on all other purchases Amazon Credit Card Review Why to choose it.

Since the 5 percent category also applies to Whole Foods Market, the Amazon Prime Rewards Visa Signature is also one of the best cards for grocery rewards rates if you can shop there.

Amazon and Chase occasionally offer other ways to earn rewards. Amazon regularly releases limited-time “Prime Cardholder Exclusive” deals that provide 10 to 25 percent back on select items Amazon Credit Card Review Why to choose it.

How to redeem
Although the reward terms sound like you’re earning cash back, you’re actually earning points. You can redeem your points 1:1 for cash back, travel, gift cards or Amazon purchases at checkout Amazon Credit Card Review Why to choose it Amazon Credit Card Review Why to choose it.

There’s no minimum rewards balance to redeem for cash back or Amazon purchases, but there’s a disappointingly long list of what you can’t use points to buy. Many of these items are small purchases that you would likely use points for more often, such as music, Kindle e-books, and video downloads. Depending on what you can spend your points on, cash back may be the most flexible option Amazon Credit Card Review Why to choose it.

What are the rewards worth?

Each point earned on the Amazon Prime Rewards Visa Signature Card is worth 1 cent no matter how you redeem it. For example, 50,000 Amazon points are worth roughly $50. There is no minimum redemption requirement when redeeming points for purchases on Amazon.com. You can maximize your cash back on Amazon by taking advantage of the site’s “subscribe and save offers” and Amazon gift card promotions from other retailers for additional discounts and rewards.

Additional benefits for cardholders
The Amazon Prime Rewards card comes with a surprising number of benefits for a retail card, such as benefits from a collection of luxury hotels, concierge services, and premium travel benefits.

Since it’s a Visa Signature credit card, it comes with several travel and shopping protections that are standard with many rewards cards. But even these “standard” Visa benefits outweigh competing networks like Discover Amazon Credit Card Review Why to choose it.

Travel protection

Considering how light the benefits of co-branded cards are, the Amazon Prime Rewards card’s depth of travel protection is remarkable.

Your card’s Travel Accident Insurance (cover up to $500,000), Lost Baggage Compensation (up to $3,000 per passenger) and Baggage Delay Insurance (up to $100 per day for three days) will smooth out the rough edges of airport travel a bit. Or, if you’re on the road, an accident free car rental and roadside dispatch can be a big help in an emergency Amazon Credit Card Review Why to choose it.

Purchase protection

Credit cards that offer purchase protection provide peace of mind when you come across a great deal but are concerned about angry merchants or damage in transit. Your Amazon Prime Rewards Visa Signature offers purchase protection that covers damage or theft up to $500 per claim ($50,000 per account) Amazon Credit Card Review Why to choose it.

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