The Amazon Credit Card and the Amazon Store Card are worth it if you already have an Amazon Prime membership and frequently order from Amazon. Both give 5% back to Prime members on Amazon purchases.
The Amazon Credit Card is well worth having for both Amazon Prime members and non-members. Prime members receive 5% back on Amazon and Whole Foods purchases (in Amazon points), and non-members get 3% back. Non-Prime members still get a $50 Amazon credit after opening an account, too (it’s $70 for Prime members). Plus, all cardholders get 2% back at restaurants and gas stations, and 1% back on other purchases.
The Amazon 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 on Amazon purchases to Prime members, while non-members get nothing back. Every cardholder gets a $10 Amazon credit, however.
The Amazon 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 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 neither card has an 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 Visa Credit Card. Being a frequent customer of Amazon or Whole Foods is enough to make the Amazon Visa worth it.