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

• +5X points on prepaid hotels/cars via U.S. Bank Travel Center
• +4X points on travel and gas (up to $1,000/quarter on gas)
• +2X points on dining, streaming, and groceries
• +No annual fee
• +No foreign transaction fees

Cons

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

• −5X rate requires booking through U.S. Bank portal
• −$1,000 quarterly cap on 4X gas rewards
• −Grocery/gas bonus excludes big-box stores and warehouse clubs
• −Points expire after 12 months of no activity

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

• +5X points on prepaid hotels/cars via U.S. Bank Travel Center
• +4X points on travel and gas (up to $1,000/quarter on gas)
• +2X points on dining, streaming, and groceries
• +No annual fee
• +No foreign transaction fees

Cons

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

• −5X rate requires booking through U.S. Bank portal
• −$1,000 quarterly cap on 4X gas rewards
• −Grocery/gas bonus excludes big-box stores and warehouse clubs
• −Points expire after 12 months of no activity

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

• +5X points on prepaid hotels/cars via U.S. Bank Travel Center
• +4X points on travel and gas (up to $1,000/quarter on gas)
• +2X points on dining, streaming, and groceries
• +No annual fee
• +No foreign transaction fees

Cons

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

• −5X rate requires booking through U.S. Bank portal
• −$1,000 quarterly cap on 4X gas rewards
• −Grocery/gas bonus excludes big-box stores and warehouse clubs
• −Points expire after 12 months of no activity