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→Amazon Cards
*Pay for an Amazon Prime Account and get 5% cashback & 0% financing on large purchases with the [https://www.amazon.com/Synchrony-Bank-Amazon-com-Store-Card/dp/B008A0GNA8 Amazon Prime Store Card]
[[File:3vs5.png|right]] To help you make this decision I've calculated a few values including the "break even point" to go from the 3% card to a 5% card. Lets assume for a moment that you don't value the shipping and streaming benefits of Prime but are interested in maximizing cash in your pocket. Since the Prime membership costs $119/year you start out at a $119 deficit in cashback when using the 5% card. To get more cashback with the 5% card than with the 3% card you'll have to spend $5,950 per year at Amazon. If you spend less than this, the 3% card gives you more cash in your pocket. Now if you spend a lot at Amazon, but not quite $5,950, you can consider the delta to be a "discounted" Prime membership. For example, if you spent $4,000 at Amazon in a year you'd make $120 cashback with the 3% card or $200 cashback - $119 Prime = $81 with the 5% card. So at this point the Prime membership is "costing" you $120 - $81 = $39. Perhaps $39 is worth it for Prime membership benefits. See the graph to the right for a visual representation of the cash benefits of the 3% card vs the 5% card for various yearly spend totals.
To help you figure out how much you spend at Amazon in a year you can go to https://www.amazon.com/gp/b2b/reports and download your entire Amazon purchase history as a [https://en.wikipedia.org/wiki/Comma-separated_values CSV] file (that can be opened in [https://en.wikipedia.org/wiki/Microsoft_Excel Microsoft Excel] or the entirely free [https://www.libreoffice.org/discover/calc/ LibreOffice Calc]).
Both the [https://www.amazon.com/Amazon-Rewards-Visa-Signature-Card/dp/B007URFTYI Amazon Rewards Card] and the [https://www.amazon.com/Amazon-Prime-Rewards-Visa-Signature-Card/dp/BT00LN946S Amazon Prime Rewards Card ] provide:
*3%/5% cashback on everything you buy at Amazon
*3%/5% cashback on everything you buy at Whole Foods