Full Review

The Amazon Credit Card is the best credit card for Amazon Prime members, as well as an excellent way to save for anyone with a 700+ credit score who likes to shop online. The Amazon Visa Card has a $0 annual fee and rewards users with 3% or 5% back on Amazon purchases (Prime members get the higher rate). Those earning rates are nearly 3- and 5-times the market average for a rewards card, respectively. You can learn more about this lucrative everyday rewards card below:



Details of pros

Freeway To Amazon Savings: The fact that the Amazon.com Credit Card does not charge an annual fee is essential, as it allows potential applicants to use the card as a supplement to their everyday spending vehicles. 

Good Value At Gas Stations, Drug Stores & Restaurants: Most co-branded credit cards severely restrict earnings on purchases not made through the company whose name the card bears. 

This makes using Amazon Rewards as your sole credit card a bit more viable than would be the case with other affinity cards if you don’t fancy keeping track of two accounts. 

Ultimate Rewards Redemption Options: In addition to paying with points on Amazon.com, you can also redeem your earnings at a 1:1 ratio for cash back or travel accommodations booked through Chase Ultimate Rewards (Chase issues the Amazon Card). 


Details of cons

Earnings Don’t Measure Up For Most Non-Amazon Spending: If you make Amazon Rewards your only credit card, odds are you’ll end up earning only the market average of 1% on most purchases. 

No Help With Financing: If you’re in the market for a big-ticket Amazon item, such as a TV or rare collectible, the Amazon Card won’t be the source of any finance savings. It doesn’t offer 0% introductory interest rates on either new purchases or balance transfers, and its regular APR will be well above the average for people with excellent credit – even if you’re lucky enough to fall in the low end of its 14.24% - 22.24% (V) range.


Other Things To Consider

Free Prime Membership Not Included: Some people might assume that Prime status would be automatically thrown in as part of being an Amazon.com cardholder the same way that elite status is often a perk of opening a hotel rewards credit card.  Although that’s not the case, it isn’t too big of a deal considering that shipping for orders of $35 or more is still free for all Amazon customers, and the Amazon Card would probably charge an annual fee if Prime membership was included, but it’s nevertheless good to know before applying. 

Might Lead To Unnecessary Spending: Like falling into a black hole of Googling, it’s easy to get lost in Amazon’s maze of inventory, only to emerge with a big ole bill.  


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Amazon Credit Card Review

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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