Amazon Prime Rewards Visa Signature

For Prime members, the Prime Visa earns 5% back at Amazon, Whole Foods Market, and Shopbop, plus 5% on Chase Travel purchases, with no annual fee and no foreign transaction fee. That makes it an easy pick if a large share of your spending already runs through Amazon, which is why it lands on our Best Cash Back Credit Cards list. The welcome offer was recently trimmed from a $200 to a $150 Amazon Gift Card, though it still arrives instantly upon approval with no spending requirement. The catch is that both 5% rates fall to 3% without an eligible Prime membership, so the subscription is really part of the card's cost, and everyday earning is modest at 2% on dining, gas, and local transit and 1% elsewhere. Purchase protection, baggage delay insurance, and lost luggage reimbursement are useful extras.