Amazon Prime Rewards Visa Signature

For a Prime member who buys regularly from Amazon, this is a straightforward no-annual-fee win: 5% back at Amazon, Whole Foods, and Shopbop, plus 5% on Chase Travel bookings, which is why it sits at #11 on our Best Cash Back list. The 5% rates are tied to an eligible Prime membership and fall to 3% without it, so factor the Prime cost in if you would not otherwise subscribe. Beyond Amazon it is decent but not special: 2% on dining, gas, and transit including rideshare, and 1% on everything else. The $150 gift card at approval briefly rose to $200 in June before dropping back to $150 in July, so it is worth watching if you are not in a hurry to apply. No foreign transaction fee and Chase's usual purchase and baggage protections make it easy to keep around even when you are not shopping.