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.

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