The Amazon Store Card and Prime Visa earn 5% back on Amazon purchases for Prime members. But the versatility of the Prime Visa makes it the stronger credit card of the two. To find out why, let's dive deeper into each credit card and see what they offer.
Amazon Store Card vs. Prime Visa annual fee
Winner: Tie
Neither credit card has an annual fee. Instead, you'll need to maintain your Prime membership ($139.99 annually) to keep up your card's benefits. Since these no-fee cards require the same membership costs, it's a tie in this category.
Amazon Store Card vs. Prime Visa welcome offer
Winner: Prime Visa
The Prime Visa has a slightly better welcome bonus. Prime members will get a $200 Amazon gift card instantly upon approval. Meanwhile, the Amazon Store Card will dish out an $80 Amazon gift card instantly. The difference is slight ($20), but it puts the Prime Visa ahead in this category.
Amazon Store Card vs. Prime Visa intro APR
Winner: Prime Visa
Both cards offer 0% APR financing for eligible Amazon purchases. However, the Prime Visa card's financing is slightly more favorable.
Prime Visa cardholders can get 0% financing in the following ways:
- Break purchases of $50 or more into six equal monthly payments
- Break purchases of $250 or more into 12 equal monthly payments
Meanwhile, Amazon Store Card holders get 0% financing in the following manner:
- Break purchases between $50 and $599.99 into six equal monthly payments
- Break purchases of $600 or more into 12 equal monthly payments
- Get 24 equal monthly payments on certain purchases
In this way, the Prime Visa card gives you more favorable terms for purchases between $50 and $599.99. For example, if you financed a $250 purchase on the Prime Visa, your monthly payments would be roughly $20.83 monthly for 12 months. Meanwhile, the Amazon Store Card would break the same $250 purchase into six monthly payments of $41.67. It's important to note that financing purchases in this way means you won't earn rewards. You can either get a 0% APR period for your purchases or earn cash back, but not both.
Amazon Store Card vs. Prime Visa rewards
Winner: Prime Visa
Both the Prime Visa and Amazon Store Card earn 5% back on Amazon and Whole Foods purchases. But whereas the Amazon Store Card doesn't earn cash back on other purchases, the Prime Visa gives you multiple ways to generate rewards.
For one, it earns 2% back on restaurants, gas stations, local transit, and commuting (including ride-hailing). It also earns 5% back on travel booked through the Chase Travel portal and 1% everywhere else. Although these aren't the highest rates among cash back credit cards, they do give the Prime Visa more versatility than its store card counterpart.
Prime Visa cardholders also have more options to redeem their rewards. They can use cash back on Amazon purchases, apply them to statement credits through their Chase account, redeem them for gift cards, or use them against travel purchases. Meanwhile, rewards generated on the Amazon Store Card stay within your Amazon account. They can cover Amazon purchases, but they can't be used for other cash equivalent redemptions.