Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +5% back at Amazon.com, Amazon Fresh, and Whole Foods Market with Prime membership
• +5% back on Chase Travel portal bookings with no cap
• +2% back at restaurants, gas stations, and transit - solid everyday categories
• +$150 Amazon Gift Card welcome bonus with no minimum spend required
• +No annual fee on the card itself (Prime membership separate)

• +1.5% cash back on every purchase with no caps or categories
• +5% on Chase Travel, 3% on dining and drugstores
• +$200 bonus after $500 spend in 3 months
• +0% intro APR for 15 months on purchases and balance transfers
• +$0 annual fee with Visa Signature benefits

Cons

• −Requires $139/year Amazon Prime membership to earn 5% (only 3% without Prime)
• −Rewards locked to Amazon ecosystem - cannot transfer to airlines/hotels
• −Only 1% back on non-category purchases - below average for catch-all spending
• −No premium travel protections like trip delay insurance or lounge access
• −Sign-up bonus is gift card, not flexible cash or points

• −3% foreign transaction fee
• −1.5% base rate lower than Freedom Flex's 5% rotating categories
• −Points worth only 1 cent without Sapphire card pairing
• −No premium travel insurance or lounge access
• −Lower welcome bonus than Sapphire cards

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +5% back at Amazon.com, Amazon Fresh, and Whole Foods Market with Prime membership
• +5% back on Chase Travel portal bookings with no cap
• +2% back at restaurants, gas stations, and transit - solid everyday categories
• +$150 Amazon Gift Card welcome bonus with no minimum spend required
• +No annual fee on the card itself (Prime membership separate)

• +1.5% cash back on every purchase with no caps or categories
• +5% on Chase Travel, 3% on dining and drugstores
• +$200 bonus after $500 spend in 3 months
• +0% intro APR for 15 months on purchases and balance transfers
• +$0 annual fee with Visa Signature benefits

Cons

• −Requires $139/year Amazon Prime membership to earn 5% (only 3% without Prime)
• −Rewards locked to Amazon ecosystem - cannot transfer to airlines/hotels
• −Only 1% back on non-category purchases - below average for catch-all spending
• −No premium travel protections like trip delay insurance or lounge access
• −Sign-up bonus is gift card, not flexible cash or points

• −3% foreign transaction fee
• −1.5% base rate lower than Freedom Flex's 5% rotating categories
• −Points worth only 1 cent without Sapphire card pairing
• −No premium travel insurance or lounge access
• −Lower welcome bonus than Sapphire cards

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +5% back at Amazon.com, Amazon Fresh, and Whole Foods Market with Prime membership
• +5% back on Chase Travel portal bookings with no cap
• +2% back at restaurants, gas stations, and transit - solid everyday categories
• +$150 Amazon Gift Card welcome bonus with no minimum spend required
• +No annual fee on the card itself (Prime membership separate)

• +1.5% cash back on every purchase with no caps or categories
• +5% on Chase Travel, 3% on dining and drugstores
• +$200 bonus after $500 spend in 3 months
• +0% intro APR for 15 months on purchases and balance transfers
• +$0 annual fee with Visa Signature benefits

Cons

• −Requires $139/year Amazon Prime membership to earn 5% (only 3% without Prime)
• −Rewards locked to Amazon ecosystem - cannot transfer to airlines/hotels
• −Only 1% back on non-category purchases - below average for catch-all spending
• −No premium travel protections like trip delay insurance or lounge access
• −Sign-up bonus is gift card, not flexible cash or points

• −3% foreign transaction fee
• −1.5% base rate lower than Freedom Flex's 5% rotating categories
• −Points worth only 1 cent without Sapphire card pairing
• −No premium travel insurance or lounge access
• −Lower welcome bonus than Sapphire cards