The Amazon.com Credit Card is worth it, especially if you already have an Amazon Prime membership and frequently order from Amazon. That’s because the Amazon.com Credit Card offers 5 points / $1 for Amazon purchases. The Amazon.com Store Card is also worth it, for the same reason; it gives 5% back in rewards cash back to Prime members on Amazon purchases.
More specifically, the Amazon.com Credit Card is well worth having for both Amazon Prime members and non-members. With this card you get 3 points per $1 spent at Amazon.com and Whole Foods Market, 2 points per $1 spent at gas stations, restaurants and drug stores, and 1 point per $1 spent on all other purchases for everyone.
The Amazon.com Store Card, on the other hand, is definitely a card for Amazon Prime members. For one, you can only use it on Amazon.com. It also gives 5% back in rewards cash back on Amazon purchases to Prime members, while non members get nothing back. Every cardholder gets a $10 Amazon gift card Amazon credit, however.
The Amazon.com Credit Card is worth it if you:
- Are an Amazon Prime member and spend at least $980 per year at Amazon.com and/or Whole Foods as a Prime member (this will pay for your Prime membership).
- Shop at Whole Foods and Amazon.com often, whether or not you have a Prime membership.
- Have good credit or better.
The Amazon.com Store Card is worth it if you:
- Are an Amazon Prime member already.
- Spend at least $2,180 per year on Amazon.com as a Prime member (this will pay for your Prime membership).
- Have fair credit and want to build up your credit score without having to pay an annual fee.
Overall, the two Amazon credit cards are most beneficial for Amazon Prime members. Because both cards come with a $0 annual fee, the value is simply a matter of overcoming the Prime membership fee of $119 per year. But you don’t have to be a Prime member to benefit from the Amazon.com Credit Card. Being a frequent customer of Amazon or Whole Foods is enough to make the Amazon.com Credit Card worth it.
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