The Amazon Store card earns 5% back at Amazon and Whole Foods for Prime members, the same headline rate as the Prime Visa, but it is a closed-loop card usable only at Amazon, select Amazon physical stores, Whole Foods via in-store code, and merchants accepting Amazon Pay. Without an eligible Prime membership there is no 5% at all, which removes most of the reason to carry it. The financing is the genuine differentiator: 0% equal monthly payments over 6 months on Amazon purchases from $50 to $599.99, 12 months on $600 and up, and 24 months on select items, plus rotating limited-time offers of 10% or more for eligible Prime cardmembers. Treat the regular APR of 29.49% as the reason to only use this card inside a promotional financing window. Note also that the approval gift card has been shrinking, from $60 down to $10 in June and to nothing in July, so there is no real signup incentive left.
Earn rates & credits
| Category | Rate |
|---|---|
Amazon.com Amazon and Whole Foods Market (In-Store Code required) with an eligible Prime membership; no 5% without Prime | 5% |
Card details
Regular APR | 29.49% variable |
Foreign transaction fee | None |