Best Cards at a Glance

1. Prime Visa

• Amazon rewards: 5% back at Amazon and Whole Foods
• Requirement: Prime membership
• Annual fee: $0

2. Amazon Business Prime Amex

• Amazon rewards: 5% back or 90-day terms
• Applies to: Amazon.com, Business, AWS, Whole Foods
• Spending cap: First $120,000 in purchases
• Annual fee: $0

3. Amazon Prime Store Card

• Amazon rewards: 5% back
• Requirement: Prime membership
• Annual fee: $0

4. Blue Cash Everyday® from Amex

• Online retail rewards: 3% back
• Spending cap: Up to $6,000 yearly
• Annual fee: $0

5. Bank of America Customized Cash

• Online shopping rewards: 3% back
• Note: Must choose online shopping as your category
• Spending cap: $2,500 quarterly (combined with other categories)
• Annual fee: $0

6. Discover it® Cash Back

• Amazon rewards: 5% back through 12/31/2024
• Also works at: Target
• Spending cap: $1,500 combined purchases
• Annual fee: $0

7. Discover it Student Cash Back

• Amazon rewards: Same as regular Discover it
• Spending cap: $1,500 combined
• Annual fee: $0

Quick Tips

• Don't use Amex points at Amazon checkout (poor value at 0.7¢ per point)
• No cards currently offer free Prime membership
  • For free Walmart+, consider Amex Platinum or Amex Business Gold

Note: Terms and rewards rates current as of November 2024.