Earn rewards on purchases outside of Amazon.com and Whole Foods
While the Amazon Prime Rewards Visa Signature Card* offers the best year-round earnings on Amazon purchases, you’d be better served using another card for general spending. The Amazon Prime Rewards Visa Signature Card* offers 2% rewards in certain categories, but many banks offer cards that earn 2% rewards on all your spending.
Since the Amazon Prime Rewards Visa Signature Card earns a maximum of 2% on purchases at gas stations, restaurants, and pharmacies, a card that earns 2% on all purchases will always match or exceed Amazon card earnings on your non-Amazon purchases.
If you want a credit card that offers increased rewards for spending in certain categories, there are plenty of options that offer both cash back and points for spending like travel, dining, groceries and gasoline.
Restaurant and pharmacy purchases
If increased revenue on restaurant and drugstore purchases draws you to the Amazon Prime Rewards Visa Signature Card, consider the Chase Freedom Flex℠, which earns 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% on travel purchased through Chase Ultimate Rewards®, 3% on restaurants and pharmacies, and 1% on all other purchases.
Historically, Amazon.com has been included in quarterly bonus categories on the Flex Card at least once a year. Occasional Amazon shoppers can use the Freedom Flex to top up their Amazon.com balance when Amazon is included in a Category Bonus and earn a 5% headcount on up to $1,500 this quarter in Amazon.com spend.
You can also consider the Chase Freedom Unlimited®, which redeems the Flex’s rotating categories for 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% cash back on qualifying restaurants and pharmacies, and 1. 5% on all other purchases.