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*If you spend over $5,950/year at Amazon you'll make more money with a 5% card and a [https://www.amazon.com/amazonprime Prime membership] plus you'll get [https://www.amazon.com/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).
**I considered myself someone who wasn't in a rush to receive shipments and didn't value the Prime benefits too much. After cancelling my Prime membership and experiencing a couple orders that took 10 days to arrive I changed my tune a bit. It turns out that 2-day ship can be really beneficial when you're buying things for babies or active projects. As a result I reevaluated the value of 2-day shipping and reinstated my Prime membership.
*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.
*Don't be afraid to try out a Prime-less lifestyle. It is easy to cancel, easy to restart AND Amazon gave me $5 after I placed my first Prime eligible order after turning my account back on.
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