I am thinking of getting the Amazon Prime Visa Signature Card. My credit score is 715 and I already have an Amazon membership. I pay my cards off every month, but I only have 5 years of credit history.

Worries due to the following comments on the Amazon website reviews:

"Predatory interest rate," which I usually ignore bc I never let mine acrue any interest, but this one said that they charged interest beginning the day it was purchased rather than at the end of the period. And that if it wasn't paid in whole the entire amount accrued interest including parts already paid off. Random cancellations after already receiving the card... wish I could post screenshots there were a lot of crazy accusations against chase and I've never banked with them before.

I have a Chase card for years but forgot about its benefits. While shopping at Amazon they had a pop-up to remind me to make it the default one.

On the app it says: “Earn unlimited 5% back at Amazon.com, including Amazon Fresh, Prime Video, Kindle Unlimited and Whole Foods Market with an eligible Prime membership”

I'm taking a hard look at my spending and I got to thinking about Amazon prime at $140/year. Every time I've looked into the 'worth' of Amazon Prime membership, the frequency and cost of shipping always made it worth it. I've also had the Prime Visa for years now that gives us 5% cash back on all Amazon purchases and when we randomly go into Whole Foods.

But, I'm wondering if the juice is worth the squeeze considering orders over $35 are free 2-day anyway.

If I cancel my $140 membership then my card will be downgraded to a store card that only gets 3% cash back which is still pretty good. Is the thought process of "if you buy $2,800 worth of stuff off of Amazon per year then the membership pays for itself? That's pretty eye opening. This rabbit whole is definitely going to get my wife and me to review all of our Amazon purchases in the last year to see what was actually worth it or not.

TL:DR is Amazon Prime membership + Prime Visa worth it now assuming we don't change our spending patterns?

I use Amazon but I wouldn’t call myself someone who uses it everyday. Am a casual spender and when I buy I spend more than 50 dollars on my orders. I had this before but never used it since I had the card since 1 year ago . I haven’t used the card the moment it came in the mail. Recently I got a new card with 28 BENEFITS and no annual fees? Sounds amazing but am a bit skeptical. Can someone confirm if this card is trustworthy?

The quick hits from their marketing page are…

• 5% at WF, Prime, and Chase Travel

• 2% at restaurants and transit

• No annual fee

• No international fees.

I wouldn’t carry a balance and would only use this for the rewards. But it’s not got the best (crowdsourced) reviews.

If I already have (+ shop) Amazon Prime and shop at Whole Foods for groceries most of the time, is there a catch in not seeing?