Should I get the Chase Freedom Unlimited card or the Amazon Prime Visa Credit Card?
You should get the Chase Freedom Unlimited card if you want cash back rewards that cover broad spending categories and a chance to finance your purchases. On the other hand, the Amazon Prime Visa Credit Card makes for a good option if you're a Prime member and your Amazon and Whole Foods purchases make up a significant chunk of your spending.
Both cards are come with a $0 annual fee. But there are distinct differences between the two when it comes to earning rewards.
Chase Freedom Unlimited vs. Amazon Prime Visa:
Card | Chase Freedom Unlimited | Amazon Prime Visa |
Initial Bonus | N/A | A $100 Amazon.com gift card upon approval. |
Ongoing Rewards | 5% cash back on travel through Chase, 3% back at restaurants and drugstores, and 1.5% back on all other purchases (plus an additional 1.5% cash back on everything, up to $20,000 spent the first year) | 5 points / $1 on Amazon.com and Whole Foods purchases, 2 points per $1 spent at gas stations, restaurants and drug stores, and 1 point / $1 on all other purchases. |
Purchase Intro APR | 0% for 15 months | Not Offered |
Regular APR | 19.24% - 27.99% (V) | 18.49% - 26.49% (V) |
Annual fee | $0 | $0. However, cardholders must be enrolled in a Prime membership to get the Amazon Prime Visa Credit Card. |
Foreign transaction fee | 3% of each transaction in U.S. dollars | 0% |
Credit score required | 700+ (good credit or better) | 700+ (good credit or better) |
As you can see, these two cards are very different when it comes to their rewards structure, intro APRs and foreign transaction fees. But since both the Chase Freedom Unlimited and the Amazon Prime Visa Credit Card come with a $0 annual fee, you don't necessarily need to choose one or the other. These two cards pair well together.
