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Ranking the Amazon Prime Visa Credit Card 

 

Rewards Program (27/30)

  • Points, Miles, or Cash Back Rates (15/15): 5% back on Amazon and Whole Foods, 2% at restaurants, gas stations, and drugstores, 1% elsewhere.
  • Redemption Flexibility (10/10): Can be redeemed for Amazon purchases, cash back, gift cards, and travel.
  • Rewards Expiration and Transfer Options (2/5): Rewards do not expire, but no transfer options.

 

Welcome Offer (16/20)

  • Value (11/15): Typically around $200 Amazon gift card.
  • Ease of Earning (5/5): Immediately upon card approval.

 

Fees (10/10)

  • Annual Fee (6/6): None with Amazon Prime membership.
  • Foreign Transaction Fees (4/4): No foreign transaction fees.

 

APR and Financing Options (4/15)

  • Introductory APR (0/5): No 0% APR offer.
  • Standard APR (1/5): High standard APR (20%+).
  • Balance Transfer Options (3/5): Standard balance transfer fee.

 

Cardholder Benefits (8/15)

  • Travel Benefits (4/5): No foreign transaction fees, basic travel insurance.
  • Purchase Protection and Insurance (3/5): Limited coverage.
  • Other Perks (1/5): Few additional perks.

 

Subjective Prestige (2/10)

  • Perceived Status and Exclusivity (2/10): Widely available, low prestige.

 

Total Score: 67/100

 

Recommendation:

 

Recommended with reservations. While strong in rewards and fees, the card falls short in APR, benefits, and perceived prestige. It may be suitable for frequent Amazon shoppers but lacks competitiveness in other areas.

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