Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Earn 5% back on Amazon and Whole Foods with no annual fee
Earn unlimited 5% back at Amazon.com and Whole Foods Market with Prime membership. Plus 0% APR financing for 6-24 months on eligible purchases. $0 annual fee makes this card ideal for Prime members who want simple, focused rewards without paying for extra benefits they won't use.
Up to 5X (Amazon)
Highest rate (conditional)
Annual Fee
$0
Foreign Transaction Fee
$0
Network
—
Rewards Currency
Cash
Credit Required
Fair to Good
Bonus: $60 gift card
Benefits & Perks
Pay over time with equal monthly payments at 0% APR on qualifying purchases
Protected from unauthorized charges on your account
No annual fee to hold the card — Prime membership is separate
Details & Terms
| Purchase APR | 29.49% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
Yahoo Finance review highlighting potential savings through 5% rewards and financing, while noting limited spending power restricted to Amazon only
CNBC Select breakdown of Amazon's co-branded credit cards, helping readers choose between Store Card and Visa options based on credit profile and needs
Yahoo Finance comparison noting that card choice depends on credit score, Amazon shopping frequency, and Prime membership status
TPG's detailed review explaining that Prime membership is required to earn any rewards, with analysis of the 5% return and store-only restrictions
WalletHub review noting the card is ideal for Prime members with fair credit, offering 5% back on Amazon purchases and special financing options
Forbes Advisor comparison of Amazon's two Prime cards, covering rewards rates, financing options, and usage restrictions. Gives Store Card 3.6/5 rating
Detailed 2025 review examining benefits, drawbacks, high 29.99% APR, restricted usage to Amazon ecosystem, and credit score requirements
NerdWallet guide covering key features including 5% back for Prime members, limited acceptance, and alternative options for those with good credit
Side-by-side comparison of store cards vs Visa options, covering usability, earning rewards, welcome offers, redemption methods, and card benefits
Breaking news that special financing (deferred interest) will be discontinued starting February 16, 2026, though equal monthly payments remain available
Credit.com guide examining whether Amazon cards are worth it, covering financing options (6-24 months 0% intro) and Prime membership benefits
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Amazon | Amazon | |
| The Points Guy | — | The Points Guy |
| Amazon | — | Amazon |
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
