Amazon Credit Card Review Why to choose it 2023
Let’s quickly check the Amazon credit card review Amazon Credit Card Review Why to choose it 2023 :
You can get a $50 Amazon gift card immediately after approval Amazon Credit Card Review Why to choose it 2023:
5% back if you have a membership
2% back from restaurants, gas stations and drugstores
1% back on utilities, carpooling and all other purchases
No annual credit card fee
No foreign transaction fees
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.
CONTENT:
Information about Amazon credit card prices and fees Amazon Credit Card Review Why to choose it 2023/
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 2023.
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 2023:
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 2023.
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.
Bonus rewards are also available at drugstores, restaurants and gas stations Amazon Credit Card Review Why to choose it 2023.
In addition, the purchase options with the store card are very flexible Amazon Credit Card Review Why to choose it 2023.
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.
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 2023/
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 2023.
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 2023.
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 Amazon Credit Card Review Why to choose it 2023.
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 2023.
rewards:
Get 5% off purchases at Amazon.com and Whole Foods Market Amazon Credit Card Review Why to choose it 2023.
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. Note that points earned with an Amazon credit card cannot be used with Chase Ultimate Rewards points.
APR: Current APR is 16.49% to 24.49%.
Foreign Transaction Fees: None Amazon Credit Card Review Why to choose it 2023.
Another benefits Amazon Credit Card Review Why to choose it 2023:
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.
What are the advantages and disadvantages?
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 Amazon Credit Card Review Why to choose it 2023.
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 rate similar to travel, cashback and Amazon purchases, givin
With the Amazon Rewards Visa, you get unlimited 3% cash back on rewards at Amazon.com and Whole Foods Market, 2% cash back at restaurants, gas stations and drugstores, and 1% cash back on all other purchases.
There is also an Amazon.com gift card welcome bonus available immediately upon card approval.
Redemption of rewards
Rewards are earned as Amazon Rewards, an Amazon-specific currency valued at 1 cent per point. Points can be redeemed for cash back as a statement credit or electronic deposit to a bank account, for purchases on Amazon, for gift cards from various merchants, or for travel bookings Amazon Credit Card Review Why to choose it 2023.
Most consumers get the most flexibility by redeeming rewards in the form of a credit statement or bank account deposit, neither of which require a minimum redemption amount. Gift cards start at 2,500 points ($25) and travel reservations must be made by phone through a Chase travel agent.
By using your points to pay on Amazon, you’re sacrificing the cash back you’d normally earn using your card to pay for your Amazon purchases Amazon Credit Card Review Why to choose it 2023.
Amazon Visa Card Rewards Potential
Using data from various government agencies, Forbes Advisor estimated how much a family in the 70th percentile of income spends annually in various categories. We base our assumptions on a single owner in this income range. The 70th percentile of wage earner households bring in $107,908 annually and have $32,072 in expenses that can be charged to credit cards. These numbers are used to estimate the potential rewards from this credit card.
Our sample household spends $6,322 a year on groceries. If you’re looking at an Amazon Rewards Visa card, you probably already shop at Whole Foods. So we’re going to assume that all of your annual grocery spending is done either at Whole Foods or by buying groceries in bulk on Amazon.com. That would yield 18,966 Amazon Rewards points for grocery purchases.
Additionally, our average household spends $4,610 per year on online shopping. Amazon sells almost everything, so we guess all shopping is done with Amazon. That’s an additional 13,830 Amazon Rewards points.
This household has annual average expenditures of $1,044 at drug stores, $4,511 at restaurants, and $2,850 at gas stations. Earning 2% back on a total of $8,405 in spending earns an additional 16,810 Amazon Rewards points each year.
Forbes Advisor estimates that you could reasonably expect to be able to charge an additional $12,735 to your Amazon card each year. At 1% back, that would be 12,735 more Amazon Rewards points Amazon Credit Card Review Why to choose it 2023.
That gives a total of 62,341 Amazon Rewards points for this sample household. That’s worth $623.41 in annual cash back, on top of the welcome offer earned in the first year. Of course, all households have different shopping patterns, so be sure to look at your own spending patterns to see what kind of rewards your family would get with the Amazon Rewards Visa.
Additional benefits of the Amazon Visa Card
Lost Baggage Reimbursement: If your checked or carry-on baggage is damaged or lost by a common carrier, you are covered up to $3,000 per passenger.
Baggage delay: You’ll be reimbursed for purchases such as toiletries and clothing if your bag is delayed for more than six hours, up to $100 per day for three days Amazon Credit Card Review Why to choose it 2023.
Purchase Protection: Your purchases are protected for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
Extended Warranty Protection: For items purchased with the card, US manufacturer warranties of three years or less are extended by an additional year.
Visa Signature Concierge: 24-hour access to Visa Concierge for items like hard-to-find sports and entertainment tickets, dinner reservations and more Amazon Credit Card Review Why to choose it 2023.
Visa Signature® Luxury Hotel Collection: Access to 900 luxury hotels worldwide with benefits including the best available rate, automatic room upgrade (where available), free in-room Wi-Fi (where available) and more.
Auto Rental Collision Damage Waiver: Secondary Theft and Collision Damage Waiver is provided when you decline the rental car’s collision damage insurance and charge the full cost of the rental to your card.
No Foreign Transaction Fees: No additional fees for purchases outside the US.
Fine Print
Interest rates
18.49% to 26.49% variable
Fees
Annual fee: $0
Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Foreign transaction fee: $0
How the Amazon Rewards Visa Card Stacks Up
Amazon Rewards Visa Signature Card* vs. Amazon Prime Rewards Visa Signature Card*
If you’re an Amazon Prime member, you’ll want to get an Amazon Prime Rewards Visa card. The Amazon Prime Rewards Visa Signature Card earns 5% cash back on rewards at Amazon.com and Whole Foods Market with eligible Prime members, 2% cash back at restaurants, gas stations and drugstores and 1% on all other purchases. In addition, the Amazon Prime Rewards Visa Card may offer 10% back or more from a rotating selection of limited-time offers. The card carries no annual fee (although you do have to pay for Prime membership) and takes advantage of all the benefits of an Amazon Rewards Visa card.
The Amazon Prime Rewards Visa Card also offers a welcome bonus: an Amazon.com gift card immediately upon card approval Amazon Credit Card Review Why to choose it 2023.
Amazon Rewards Visa Signature Card* vs. Amazon Business Prime American Express Card*
If you’re an Amazon Prime member who uses Amazon for business purchases and want to enjoy 5% rewards, consider the Amazon Prime Business American Express Card. The card earns 5% back on rewards or 90-day terms on eligible purchases in the US at Amazon Business, AWS, Amazon.com and Whole Foods Market with an eligible Prime membership. The 5% reward rate applies to the first $120,000 in purchases each calendar year. Earn 2% at US restaurants, US gas stations and wireless phone service purchased directly from US carriers and 1% on other purchases.
Additionally, the Amazon Business Prime American Express Card comes with a variety of travel and insurance benefits, including:
Baggage Insurance (Eligibility and benefit level varies by card. Terms and restrictions apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)
Rental Car Loss and Damage Insurance (Eligibility and benefit level varies by card. Terms and restrictions apply. Visit americanexpress.com/benefitsguide for more details. Covered by AMEX Assurance Company. Rental car loss or damage insurance offered through American Express Travel Related Services Company, Inc.)
Return Protection (Eligibility and benefit level varies by card. Terms and restrictions apply. See americanexpress.com/benefitsguide for more details.)
No foreign transaction fee
The Amazon Business Prime American Express Card offers the following welcome bonus: An Amazon.com Gift Card upon approval of the Amazon Business Prime American Express Card Amazon Credit Card Review Why to choose it 2023.
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