The Best Amazon Credit Card for Non-Prime Members


There are several credit cards tailored to spending on Amazon.com, so let’s simplify choosing one: If you’re not an Amazon Prime member, Amazon Rewards Visa * signature card is the Best Credit Card to Buy on Amazon. Although this card will not help you access the next ones Prime Day Offers, which are for Prime members only, offer solid rewards on Amazon and Whole Foods purchases and optional Financing for large purchases on the retail site.

Like all Amazon branded cards, the Visa Rewards signature card has no annual fee. You also have There are no foreign transaction rates, so if you travel abroad, you can place an order where Amazon is available at no additional cost. And if you decide to become a Prime member after getting this card (a Prime subscription currently costs $ 139 per year), you will automatically be upgraded. Amazon Prime Rewards Visa Signature Card*, which offers even better advantages.

We’ll review the Amazon Rewards Visa Signature card offer, from the welcome bonus to the rewards program to the optional funding.

Read more: How to prepare for the Amazon Prime Day

In this article

Amazon Rewards Visa Signature Card

Intro offerN / A

APR14.99% – 22.99% (variable)

Purchase Purchase APRN / A

Recommended credit Excellent / Good

Reward rates

  • 3% back on Amazon.com and Whole Foods Market *
  • 2% return at restaurants, gas stations and pharmacies *
  • 1% refund on all other purchases

Annual feeN / A

APR balance transfer14.99% – 22.99% (variable)

Balance transfer rate $ 5 or 5% of the amount of each transfer, whichever is greater.

Late payment rate Up to $ 39

Foreign transaction fees None

  • 3% back on Amazon.com and Whole Foods Market *
  • 2% return at restaurants, gas stations and pharmacies *
  • 1% return in all other purchases

Rewards

The main attraction of this card is that you will earn a 3% cash back on purchases from Whole Foods and Amazon.com. You will also earn a 2% cash refund on restaurants, gas stations and pharmacies, and 1% in the rest of purchases.

Many co-branded credit card retailers limit the profit and redeem to their stores or retail brands, but Amazon offers decent reward rates outside of their ecommerce site, which makes this a great card. more accessible and applicable.

You can redeem your refund rewards for eligible purchases on Amazon.com, or you can get your rewards in the form of a credit statement or electronic deposit in a U.S. bank account.

Welcome voucher

When your Amazon Rewards Visa subscription card is approved, you will instantly receive a $ 50 Amazon gift card. Although there are other cards with nominally Best welcome bonusesit’s rare not to have to spend money to earn the welcome bonus.

Financing a purchase

Often, a feature of retail credit cards, but not the most general cards, you can choose between rewards of refund and optional financing when you make a large enough purchase on Amazon.

When shopping for purchases of $ 50 or more, you can choose six months of financing with 0% interest; Pay the bill in equal monthly installments. For purchases of $ 250 or more, you get 12 months of interest-free financing, and purchases of $ 500 or more unlock the option of 18 months of equal interest-free payments (14.99% to 22.99% VARIA APR after). Again, if you use this feature, you will not earn rewards on these purchases; you are changing the cash back rewards bonus for longer to pay the balance.

This feature makes the Amazon Rewards Visa Signature Card a good substitute for the best credit cards 0% introductory APRS.

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Comparable cards

Amazon Prime Rewards Visa Signature Card

The Amazon Prime Rewards Visa Signature Card is an upgrade of the Amazon Rewards Visa Signature Card: it is the version of the card specifically for Prime members.

This top-level card includes additional benefits, and although it technically has no annual fee, you have to be a lead member to apply, which will cost you $ 139 a year. This additional cost makes you an avid buyer of Amazon or Whole Foods: You will earn a 5 % cash refund in both retailers and you will be able to earn a 10 % cash refund or more at a particular rotating goods. The welcome bonus is also higher: you can get a gift card for up to $ 150 instantly when you are approved.

Subscription to Prime will also have extras, such as access to Prime Video, from Amazon streaming serviceas well as Prime Day special offers.

See our complete review of the Amazon Prime Rewards Visa Signature Card For more information.

Bank of America® Custom Cash Rewards credit card

If you are not a Prime member, another option to consider is your Bank of America® Custom Cash Rewards * credit card. Allows you to choose a customizable rewards category to earn a 3% cash back on online purchases. Therefore, if you often buy beyond Amazon.com, this card would be a better option.

You can also choose gasoline, dinner, travel, pharmacies, or home / furniture upgrades for the 3% rewards choice category. Otherwise, you will earn a 2% cash refund at supermarkets and wholesale clubs (up to $ 2,500 on quarterly combined category / supermarket / wholesale club purchases, then 1%) and on other purchases. You can also apply the 0% APR for funding: you will get 15 turnover cycles without interest if you pay your minimum payments in purchases and in any balance transfer made in the first 60 days (then a variable from 14.74% to 24.74 % APR).

Unlike the Amazon Rewards Visa card, this is for the first 15 billing cycles and cannot be renewed. But the cash back of these purchases will not be blocked.

The welcome bonus is technically higher – a $ 200 online cash rewards bonus – but you’ll have to spend $ 1,000 on the card in the first 90 days to earn it, making it less affordable.

Frequently asked questions

Need to get a Prime subscription to buy on Amazon?

You don’t need a Prime subscription to shop on Amazon, though Prime members enjoy free, faster shipping on millions of items, along with other benefits. You need a Prime subscription to apply for the Amazon Prime Rewards Visa subscription card, as well as the Amazon Prime Store card, but there are non-Prime equivalents for both cards.

What types of cash back credit cards are there?

Cash-reimbursable credit cards generally fall into four main categories: flat rate, tiered, revolving, or your own.

Flat rate cards offer the same rate for each purchase. Tiered cards offer a different reward rate for different spending categories. Revolving category cards offer different rewards each quarter, determined by the card issuer. Choose Your Own Category cards allow you to choose your reward category.

Does Amazon Rewards Visa subscription card have foreign transaction fees?

No, Amazon Rewards Visa subscription card has no foreign transaction fees, which are usually 3% of transaction costs. This means you can use your card anywhere in the world without paying extra charges. There is also no annual credit card fee to maintain the account.

Our methodology

CNET reviews credit cards by thoroughly comparing them through defined criteria developed for each main category, including refund, welcome bonus, travel rewards and balance transfer. We take into account the typical spending behavior of a number of consumer profiles, understanding that each person’s financial situation is different, and the designated function of a card.

*All the information about the Amazon Rewards Visa Card, Amazon Prime Rewards Visa Signature Card and Bank of America Cash Rewards Credit Card has been independently collected by CNET and was not reviewed by the issuer.

The editorial content of this page is based solely on objective and independent reviews of our writers and is not influenced by advertising or associations. It was not provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.



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