Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +3% back at Amazon.com, Amazon Fresh, and Whole Foods Market
• +3% back on Chase Travel portal bookings with no cap
• +2% back at restaurants, gas stations, and transit
• +$50 Amazon Gift Card upon approval with no spend requirement
• +No annual fee and no foreign transaction fees

• +5% on rotating categories up to $1,500/quarter when activated
• +3% on dining and drugstores with no annual cap
• +5X on Chase Travel portal purchases
• +$0 annual fee with Mastercard World Elite benefits
• +Transfer points 1:1 to travel partners with Sapphire card

Cons

• −Lower Amazon/Whole Foods earn rate than Prime Visa
• −Rewards locked to Amazon ecosystem
• −Only 1% back on non-category purchases

• −Must activate quarterly categories or miss 5% bonus
• −$1,500 quarterly cap on 5% categories ($300 max bonus/quarter)
• −3% foreign transaction fee
• −Points worth only 1 cent without Sapphire card pairing
• −Welcome bonus lower than Sapphire cards

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +3% back at Amazon.com, Amazon Fresh, and Whole Foods Market
• +3% back on Chase Travel portal bookings with no cap
• +2% back at restaurants, gas stations, and transit
• +$50 Amazon Gift Card upon approval with no spend requirement
• +No annual fee and no foreign transaction fees

• +5% on rotating categories up to $1,500/quarter when activated
• +3% on dining and drugstores with no annual cap
• +5X on Chase Travel portal purchases
• +$0 annual fee with Mastercard World Elite benefits
• +Transfer points 1:1 to travel partners with Sapphire card

Cons

• −Lower Amazon/Whole Foods earn rate than Prime Visa
• −Rewards locked to Amazon ecosystem
• −Only 1% back on non-category purchases

• −Must activate quarterly categories or miss 5% bonus
• −$1,500 quarterly cap on 5% categories ($300 max bonus/quarter)
• −3% foreign transaction fee
• −Points worth only 1 cent without Sapphire card pairing
• −Welcome bonus lower than Sapphire cards

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +3% back at Amazon.com, Amazon Fresh, and Whole Foods Market
• +3% back on Chase Travel portal bookings with no cap
• +2% back at restaurants, gas stations, and transit
• +$50 Amazon Gift Card upon approval with no spend requirement
• +No annual fee and no foreign transaction fees

• +5% on rotating categories up to $1,500/quarter when activated
• +3% on dining and drugstores with no annual cap
• +5X on Chase Travel portal purchases
• +$0 annual fee with Mastercard World Elite benefits
• +Transfer points 1:1 to travel partners with Sapphire card

Cons

• −Lower Amazon/Whole Foods earn rate than Prime Visa
• −Rewards locked to Amazon ecosystem
• −Only 1% back on non-category purchases

• −Must activate quarterly categories or miss 5% bonus
• −$1,500 quarterly cap on 5% categories ($300 max bonus/quarter)
• −3% foreign transaction fee
• −Points worth only 1 cent without Sapphire card pairing
• −Welcome bonus lower than Sapphire cards