Amazon Prime Visa Review: Worth It for Prime Members?

If you shop at Amazon regularly and have Prime, the Amazon Prime Visa offers 5% back on all Amazon purchases. Is it worth adding to your wallet?

The Value Proposition

If you spend $200/month at Amazon:

• Annual Amazon spending: $2,400
• Cash back at 5%: $120
• vs. 2% card: $48
• Extra value: $72/year

If you spend $400/month at Amazon:

• Annual Amazon spending: $4,800
• Cash back at 5%: $240
• vs. 2% card: $96
• Extra value: $144/year

The Catch: Prime Membership

Without Prime ($139/year), you only get 3% at Amazon. The card makes most sense if you already have Prime for other reasons.

The Bottom Line

For Prime members who shop regularly at Amazon, this card is a no-brainer. The 5% is real value on purchases you’re already making, and there’s no annual fee beyond Prime. Just don’t let the rewards encourage overspending.