Amazon Prime Store Card Vs. Amazon Prime Rewards Visa Signature Card – Forbes

Earning Rewards on Purchases Outside of Amazon.com and Whole Foods

While the Amazon Prime Rewards Visa Signature Card* offers the best year-round earnings on purchases at Amazon, you would be better served by using another card for your general spending. The Amazon Prime Rewards Visa Signature Card* offers 2% earnings in select categories, but many banks offer cards that earn 2% rewards on all your spending.

Since the Amazon Prime Rewards Visa Signature card earns at most 2% on purchases at gas stations, restaurants and drugstores, a card that earns 2% on all purchases will always meet or beat the Amazon card’s earnings on your non-Amazon purchases.

If you want a credit card that offers increased rewards for spending in certain categories, there are many options out there that offer both cash back and points for spending on things like travel, restaurants, groceries and gas.

Dining and Drugstore Purchases

If the increased earnings on dining and drugstore purchases attract you to the Amazon Prime Rewards Visa Signature Card, then consider the Chase Freedom Flex℠, which earns 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores and 1% on all other purchases.

Historically, Amazon.com has been included in the quarterly bonus categories on the Flex card at least once each year. Infrequent Amazon shoppers can use the Freedom Flex to load their Amazon.com balance when Amazon is included in a category bonus and earn an effective 5% on up to $1,500 that quarter in Amazon.com spending.

Alternatively, consider the Chase Freedom Unlimited®, which trades the Flex’s rotating categories for 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% cash back on eligible dining and drugstores and 1.5% on all other purchases.

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