Amazon’s credit card offerings have become increasingly popular among online shoppers, but let’s have an honest conversation about whether they’re actually worth getting in 2025.
The Prime Rewards Visa Signature Card: The Basics
If you’re already a Prime member (and let’s face it, many of us are), the Amazon Prime Rewards Visa Signature Card immediately catches attention with its 5% cashback on Amazon and Whole Foods purchases. I’ve found this particularly valuable since my own online shopping habits have shifted increasingly toward Amazon over the years.
The Real-World Benefits
Let me share something interesting – if you spend around $500 monthly on Amazon and Whole Foods combined, you’re looking at about $300 in cashback annually just from these purchases. That’s already more than double your Prime membership fee. Plus, you’ll get 2% back at restaurants, gas stations, and drugstores, and 1% on everything else.
Hidden Perks Worth Considering
Here’s something many Reddit users don’t initially realize – the card comes with no foreign transaction fees and includes some pretty solid travel protection benefits. I’ve personally used the baggage delay insurance during a delayed flight, and it worked exactly as promised.
The Drawbacks Nobody Talks About
Let’s be real for a moment – this card isn’t perfect. If you’re not a Prime member, you’ll only get 3% back on Amazon purchases instead of 5%. And here’s something I learned the hard way: the rewards are most valuable when redeemed for Amazon purchases. Converting them to cash or travel rewards sometimes doesn’t provide quite the same value.
What Reddit Users Are Actually Saying
The consensus on Reddit seems split, but there’s a pattern I’ve noticed: Those who make Amazon their primary shopping destination consistently report positive experiences. One user mentioned saving over $600 in 2025 through cashback rewards alone. However, those who shop more diversely often suggest pairing it with another rewards card for maximum benefits.
Making the Decision
Here’s my straightforward advice: If you’re spending more than $200 monthly on Amazon and Whole Foods combined, and you’re already a Prime member, this card is likely worth it. The 5% cashback essentially gives you an automatic discount on purchases you’re already making.
However, if you’re not a frequent Amazon shopper or are considering getting Prime just for the card, you might want to explore other rewards cards that offer more flexible redemption options. Remember, the best credit card is always the one that matches your specific spending habits.
