Prime Card Cash Back for Everyday Expenses and Large Purchases

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The Prime Card offers a generous cash back program for everyday expenses and large purchases. You can earn 5% cash back on up to $500 in combined purchases in popular categories like gas stations, grocery stores, and restaurants.

For example, if you spend $500 on gas, groceries, and dining out, you'll earn 5% cash back on that amount. This can add up quickly, especially if you use your Prime Card for regular expenses.

The cash back rewards can be redeemed for statement credits, which can be applied to your balance or used to offset future purchases. This flexibility makes it easy to use your rewards when you need them most.

Benefits and Features

The Amazon Prime Store Card offers a generous 5% cash back on all Amazon.com purchases, which can be redeemed as a statement credit or towards eligible Amazon purchases. This offer is exclusive to Prime members and can be a great way to save money on your favorite online shopping platform.

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You can also earn 2% cash back at gas stations, restaurants, and on local transit and commuting, including rideshare. Additionally, you'll earn 1% back on all other purchases. This makes the card a great option for those who frequently shop on Amazon and want to earn rewards on their purchases.

Here are the key features of the card:

  • Earn 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership.
  • Earn 2% back at gas stations, restaurants, local transit, and commuting (including rideshare).
  • Earn 1% back on all other purchases.

No foreign transaction fees and access to Emergency Assistance are also included with the card, making it a great option for travelers.

American Express Blue Cash Everyday

The American Express Blue Cash Everyday is a solid choice for those looking for a general cash back card. It offers a $200 statement credit after spending $2,000 in the first 6 months.

You'll also enjoy 0% intro APR on purchases and balance transfers for 15 months, followed by a variable APR of 18.24% to 29.24%. This can be a great perk for those who need to make a large purchase or want to consolidate debt.

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The card has no annual fee, making it a great option for those who want to earn cash back without paying extra. With 3% cash back at U.S. supermarkets, online retail purchases, and gas stations, you can earn significant rewards on your everyday expenses.

Here's a breakdown of the cash back categories:

  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.

Additionally, you can earn up to $15 back per month when you purchase a Home Chef meal kit subscription with your enrolled card.

American Express Blue Cash Preferred

The American Express Blue Cash Preferred is a popular credit card that offers a range of benefits and features that make it a great choice for everyday spending.

The card offers a generous 6% cash back on groceries, up to $6,000 per year, and 3% cash back on gas purchases.

You can earn even more cash back on other purchases, like streaming services and online shopping, with the card's rotating 4% cash back categories.

The card also has a $250 statement credit after spending $1,000 in the first 3 months, making it a great option for those looking to earn a bonus.

With no foreign transaction fees, you can use your card abroad without incurring additional costs.

Rewards for Dining and Entertainment

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You can earn 2% cash back on your dining expenses, which is a great way to save money on your favorite restaurants. This rate applies to restaurants, gas stations, and local transit and commuting, making it a versatile choice for everyday expenses.

The card also offers 1% cash back on all other eligible purchases, so you can earn rewards on a wide range of transactions.

Here's a breakdown of the cash back rates for dining and entertainment:

With these rewards, you can save money on your daily expenses and earn cash back on your purchases.

Introductory Bonus

The introductory bonus on the Amazon Prime Store Card is a great way to start earning rewards. You can get a $10 Amazon Gift Card upon approval, with no spending requirement to earn this sign-up bonus.

This is a quick way to start earning toward your Amazon purchases, and it's a nice perk to have. I've seen people get excited about receiving a gift card, and it's a great way to start building up your rewards balance.

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The Prime Visa, on the other hand, offers a more substantial sign-up bonus of a $150 Amazon Gift Card instantly upon approval, exclusively for Prime members. This is a much more significant bonus, and it's worth considering if you're a Prime member.

Here's a comparison of the sign-up bonuses offered by the Amazon Prime Store Card and the Prime Visa:

It's worth noting that there are other cash back cards available that offer higher sign-up bonuses, but they often require you to spend a significant amount of money within a certain time period to earn the bonus.

Best Suited For

If you're a savvy shopper who loves scoring great deals, you'll appreciate the benefits of a cash back rewards program. You likely enjoy browsing through both high-end retailers like Neiman Marcus and budget-friendly stores like Target.

You probably also spend a significant amount of time online shopping, taking advantage of sales and promotions. A 0% promo intro APR can be a game-changer for making large purchases or consolidating debt.

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One of the most appealing aspects of a great cash back rewards program is the flexibility to use your rewards on various purchases. However, it's worth noting that some programs may have limitations, such as low cash back on purchases made off Amazon.

You should also consider the purchase protection offered by your rewards program. In some cases, this protection may be limited to a certain amount per claim, such as $500.

Here are some key benefits to look for in a cash back rewards program:

Promotions and Offers

Some credit card issuers are offering targeted promotions for Amazon Prime Big Deal Days, allowing you to pay with points for discounts.

You can pay with Bilt points at checkout or take advantage of up to 50% off when paying with Amex points if you're targeted for the offer.

However, using credit card points for shopping on Amazon isn't usually the best idea, as there are better uses for your points.

If you're targeted for an offer to use just a few points in exchange for a big discount, it might be worth considering, but it's not a common occurrence.

Generous Rewards

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The Amazon Prime Rewards Visa Signature Credit Card offers a generous cash back rewards program that's hard to beat. You can earn a whopping 5% cash back on all eligible purchases at Amazon.com and Whole Foods Market.

This elevated cash back rate makes it an excellent choice for frequent Amazon shoppers and individuals who prioritize organic and high-quality groceries from Whole Foods. If you're someone who regularly buys groceries or other items on Amazon, this card is a no-brainer.

You can redeem your rewards daily at Amazon.com, which is super convenient. However, you can also redeem through Chase.com for cash back, gift cards, or travel.

There's no minimum rewards balance required for cash back or Amazon purchases redemption, which means you can cash out your rewards at any time. On the other hand, some items like music, Kindle eBooks, and video downloads can't be purchased with points.

Each point you earn through the Prime Visa card holds a consistent value of 1 cent, regardless of how you choose to redeem it. For instance, approximately 50,000 Amazon points would amount to around $50.

Compare Similar

Credit: youtube.com, Amazon Credit Card Review 2024 - Amazon Visa and Amazon Prime Visa ( Chase )

If you're an Amazon Prime member looking for a card that offers cash back on your purchases, you have several options to consider. The Amazon Prime Store Card is a great choice, offering 5% back at Amazon.com.

You can also consider the Prime Visa, which offers 1% - 5% cash back on various purchases. Another option is the Amazon Secured Card, which provides 2% cash back at Amazon.com and Whole Foods Market.

The Blue Cash Everyday Card from American Express is another card to consider, offering 1% - 3% cash back on various purchases. This card also comes with a welcome offer of a $200 statement credit after spending $2,000 in purchases within the first 6 months.

Here's a quick comparison of these cards:

The Prime Visa card is a solid choice for frequent Amazon.com and Whole Foods shoppers, offering 5% cash back at these stores and 2% back at gas stations, restaurants, and drug stores.

Frequently Asked Questions

How do I get 5% cash back from Amazon?

To earn 5% cash back on Amazon purchases, you must be a Prime Visa cardholder with an eligible Prime membership. This rewards benefit applies to purchases made on Amazon.com, Amazon Fresh, and Whole Foods Market.

Mike Kiehn

Senior Writer

Mike Kiehn is a seasoned writer with a passion for creating informative and engaging content. With a keen interest in the financial sector, Mike has established himself as a knowledgeable authority on Real Estate Investment Trusts (REITs), particularly in the UK market. Mike's expertise extends to providing in-depth analysis and insights on REITs, helping readers make informed decisions in the world of real estate investment.

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