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Points & Prime

No-hype worth-it math

Amazon's cards and Prime, worked out on paper

Every rate here carries a source link and the date we checked it. Every recommendation carries the point where the answer becomes no.

See Amazon's current card offersHow we check every figure

#ad Amazon card sign-up offers are for new cardmembers and approval is the issuer's decision, not ours. We earn a flat fee if you sign up through this link, at no cost to you. How we’re paid.

Sourced figures
41
Published sources
6
Last verified
2026-08-11
Sponsored placements
0
Brown cardboard parcels stacked on a wooden surface

Where we stand

Cards we claim to have tested: zero

Everyone in this category writes as though they have carried every card in their wallet for a year. We have not carried any of them, and we say so rather than implying otherwise.

What we do instead: read the published terms from the issuer, compile the rates into one reviewed file, compute the break-even arithmetic in public so you can re-run it with your own spending, cite the source next to every number, and date the check. Where a figure could only be confirmed against a second-hand source, the page says that too.

The full method is written up here — including what we do when a number cannot be verified at all.

Start here

The three decisions this site answers

The headline numbers

Three figures, each with its source attached

  • The Prime Visa earns 5% back (Chase — Prime Visa, verified 2026-08-11) at Amazon.com, Audible.com, Whole Foods Market and Chase Travel, with an eligible Prime membership. Without that membership the rate drops.
  • Amazon Prime costs $139 per year (About Amazon — Prime free trial, verified 2026-08-11) or $14.99 per month (About Amazon — Prime free trial, verified 2026-08-11). That fee is the real cost of the card’s 5%.
  • The Amazon Store Card can be used for Amazon purchases only — Amazon.com, Amazon Go, Amazon Fresh, Audible, AWS, Alexa Skills, and your Amazon Prime membership charge (Yahoo Finance — Amazon Store Card review, secondary source, verified 2026-08-11) — and nowhere else.

Sections

Everything on the site

Read these first

The pages that carry the argument

How this is funded

Amazon pays us a flat fee when you sign up

Points & Prime is an Amazon Associate. When a reader signs up for a program through one of our links, Amazon pays a flat fee. We are not paid per purchase, we earn nothing on anything you buy afterwards, and no issuer sees a page before you do.

The evidence that it does not decide what we say is on the pages themselves: every decision page carries a “Skip this if…” section at the same weight as the upside, and one of the two cards we cover gets a recommendation against it for most readers.

The full affiliate disclosure and our editorial policy are both worth a minute if you care how this works.

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