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→Bottom Line
====Bottom Line====
*If you spend over $5,950/year at Amazon you'll make more money with a 5% card AND you have and a [https://www.amazon.com/amazonprime Prime membership. You should pay for the $119 ] plus you'll get [[https://www.amazon.com/amazonprime gp/help/customer/display.html?nodeId=200444160 Prime benefits]. You should pay for the $119 Prime membership] and use a 5% card ([https://www.amazon.com/Amazon-Prime-Rewards-Visa-Signature-Card/dp/BT00LN946S Amazon Prime Rewards Card] or [https://www.amazon.com/Synchrony-Bank-Amazon-com-Store-Card/dp/B008A0GNA8 Amazon Prime Store Card]).
*If you spend less than $5,950/year at Amazon and you kinda like the Prime membership benefits, then you have to decide if the "discounted" Prime membership is worth it (see below).
*If you don't value the Prime membership benefits and you spend less than $5,950/year at Amazon then you should go with the 3% [https://www.amazon.com/Amazon-Rewards-Visa-Signature-Card/dp/B007URFTYI Amazon Rewards Card] and skip the Prime membership.