Credit Cards » Credit Card Reviews » Amazon Prime Rewards Visa Signature Credit Card Review 2024
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Amazon Prime Rewards Visa Signature Credit Card Review 2024

The Amazon Prime Rewards Visa Signature Card is about as good as it gets when it comes to co-branded credit cards. Cardholders with prime memberships will certainly see the value since they are already avid Amazon users
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: January 1, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: January 1, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Amazon Prime Visa Card

amazon prime visa

Rewards Plan

1-5% name=”rewards_plan_amazon_prime_rewards”][/sc]

Sign up Bonus

$100 $100 Amazon gift card upon approval

Our Rating

4.5
4.5/5

0% Intro

N/A

Annual Fee

$0 ($139 Amazon Prime subscription required)

APR

19.24% – 27.24% Variable
Amazon Prime Visa Card

amazon prime visa

Rewards Plan

1-5% 5% at Amazon.com, Amazon Fresh , Whole Foods Market and on Chase Travel purchases, 2% cash back on gas stations, restaurants and on local transit and commuting, 1% cash back on all other purchases

Sign up Bonus

$100 $100 Amazon gift card upon approval

Our Rating

4.5
4.5/5

PROS

CONS

APR

19.24% – 27.24% Variable

Annual Fee

$0 ($139 Amazon Prime subscription required)

0% Intro

N/A

Credit Requirements

Good – Excellent

The Amazon Prime Visa Card has great benefits for people who are avid Amazon shoppers. The card is offered through Chase Bank, and there is no annual fee. With the Amazon Prime card, you earn 5% at Amazon.com, Amazon Fresh , Whole Foods Market and on Chase Travel purchases, 2% cash back on gas stations, restaurants and on local transit and commuting, 1% cash back on all other purchases. 

While the card doesn't have an annual fee itself, it requires an Amazon Prime membership, currently priced at $139 per year, which could be a deterrent for those who don't regularly shop at Amazon or use other Prime services. The welcome offer includes a $100 Amazon gift card upon approval, exclusive to Prime members. 

The card comes with additional perks such as the Visa Signature Luxury Hotel Collection, concierge service, and various travel and purchase protections, making it a versatile option for those who value these benefits. 

However, you have to be an Amazon Prime member to hold the Amazon Prime Visa  Card, which has an annual fee of $139.  Also, it lacks the ability to transfer rewards points to other programs, limiting redemption options.

What’s the initial credit limit I'll get?

The Amazon Prime Rewards card has a minimum initial credit limit of $500. The exact amount can be much higher but it mainly depends on your credit score.

Can you get pre-approved?

There is no pre-approval option for the Amazon Prime Rewards card. This means that you’ll need to complete a full application and this will trigger a hard pull on your credit.

What are the card income requirements?

You’ll need good to excellent credit for the Amazon Prime Rewards card. Although your income will be one of the factors assessed during your application, your credit score will be a more important consideration

What's the main reason to skip the Amazon card?

The top reason not to get the Amazon Prime Rewards card is that you don’t tend to spend a lot with Amazon or Whole Foods.

What is the card customer service availability?

Chase is the issuer of Amazon card and it offer numerous contact methods, so you should be able to access the customer service team 24/7.

Amazon Prime Visa card overview
Amazon Prime Visa card overview (Screenshot from Chase app)

In this Review..

Pros & Cons

Let's explore the advantages and disadvantages of the Amazon Prime Visa Card to determine its suitability for your financial needs.

Pros
Cons
High Amazon Rewards Rate
Amazon Prime Membership Requirement
Sign-Up Bonus
Limited Rewards Transfer Options
No Foreign Transaction Fees
No Access to Chase Offers and Ultimate Rewards Portals
Visa Signature Benefits
Balance Transfer Fee
Flexible Redemption Options

Rewards can be redeemed at an equal rate for cash back, travel, and Amazon purchases, providing users with flexibility in utilizing their earned points.

Amazon Prime Visa use points to shop
Amazon Prime Visa use points to shop (Screenshot from Chase app)

When you sign up for the Prime Visa Card, you receive a $100 Amazon gift card upon approval. 

Not a fantastic sign-up bonus when compared to other major credit cards, but because the Prime Visa Card is geared towards frequent Amazon buyers, this sign-up bonus could be a great incentive for some people.

Cardholders gain access to Visa Signature Luxury Hotel Collection, concierge service, and various travel and purchase protections, enhancing the overall cardholder experience.

The Prime Visa Card offers an excellent 5% at Amazon.com, Amazon Fresh , Whole Foods Market and on Chase Travel purchases, 2% cash back on gas stations, restaurants and on local transit and commuting, 1% cash back on all other purchases. 

A cash back rate is fantastic for devoted Amazon users.

Amazon Prime Visa card rewards earnings breakdown by activity
Amazon Prime Visa card rewards earnings breakdown by activity (Screenshot from Chase app)

The card doesn't charge foreign transaction fees, making it a cost-effective choice for international travelers.

The card requires an Amazon Prime membership, priced at $139 per year, potentially deterring users who don't regularly shop at Amazon or use other Prime services.

Amazon prime club options and benefits
Amazon Prime club options and benefits (Screenshot from Amazon app)

Even though Chase Bank provides the Amazon Prime Visa Card, cardholders cannot transfer rewards points to other programs or portals, limiting their options for redemption compared to some other rewards cards.

The card does have a higher than normal balance transfer, which is $5 or 5%, whichever is greater. 

Despite being a Chase credit card, users cannot access Chase Offers or Chase Ultimate Rewards portals, limiting additional benefits available with other Chase cards.

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Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Simulation: Which Card Gives More Rewards?

It's difficult to understand the actual reward potential of the Amazon card without a calculation. Therefore, here's a breakdown of some common costs and how much it worth.

However, keep in mind that the numbers should be adjusted to your regular spending categories, which may differ – so the exact calculation is dependent on your personal habits.

amazon prime visa

Spend Per Category
Amazon Prime Visa
$5,000 – Apple/Amazon
$250
$10,000 – U.S Supermarkets
$100
$4,000 – Restaurants
$80
$5,000 – Hotels/Airline
$50
$4,000 – Gas
$80
Estimated Annual Value
$560

How to Make the Most of The Amazon Card?

With a couple of simple steps, you can make more from the Amazon card:

  • Book your travel with your card: While this card is primarily for Amazon, it provides some excellent travel benefits if you pay for your fare with it. Baggage insurance, trip delay insurance, and travel accident insurance are all included.
  • Understands rewards structure – besides the usual cash back on Amazon, you'll get higher cash back on a bunch of other purchases. Make sure to leverage it whenever it's possible.
Amazon Prime Visa card cashback status
Amazon Prime Visa card cashback status (Screenshot from Chase app)

Application Process

To apply for a credit card: Search the Credit Card Marketplace for a credit card you'd like to apply for.
Click Apply now. You'll be redirected to the credit card application on the financial institution's website.
Fill in the credit card application and click Submit application.

Note: Amazon.com does not have any information regarding the status of your application. For any questions regarding your application, please contact the financial institution of the card you are applying for.

You'll receive a decision from the financial institution.If you applied for a credit card via Credit Card Marketplace that offers an Amazon.com Gift Card incentive and your application was approved, the issuer of the credit card will be providing you with your Amazon.com Gift Card. 

If you haven't received your Amazon.com Gift Card or believe the amount of the Gift Card is incorrect, please contact the financial institution that approved your application.  

Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

How It Compared To Other Online Shopping Credit Cards?

The Amazon Prime Visa Card stands out among other online shopping credit cards, offering unique benefits and drawbacks in comparison to competitors like Target, Macy's, Costco, Walmart, and Sam's Club.

In contrast to the Amazon Prime Visa Card's broad rewards structure covering Amazon and Whole Foods purchases, the Target RedCard is more focused, providing a straightforward 5% discount on Target purchases. However, its scope is limited to Target, making it less versatile for general spending.

Macy's Star Rewards Credit Card caters specifically to Macy's shoppers, offering tiered rewards based on annual spending. While it provides flexibility in Macy's stores, its limited scope may be less appealing for those who shop across various retailers.

The Costco Anywhere Visa Card, exclusive to Costco members, is renowned for its generous cash back rewards, offers 4% cash back on on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and most travel purchases, 2% cash back at Costco and Costco.com, 1% cash back on all other purchases. However, its usefulness is constrained to Costco-related expenditures.

Walmart's Capital One Walmart Rewards Card, on the other hand, offers a tiered rewards system, including 5% cash back at Walmart.com (including pickup and delivery), 2% cash back in Walmart stores and gas stations, at restaurants and on travel plus 1% cash back everywhere else Mastercard is accepted. This card's broad acceptance and the flexibility to redeem rewards on Walmart.com make it appealing for regular Walmart shoppers.

Is the Amazon Prime Visa Right for You?

The Prime Visa Card is about as good as it gets when it comes to co-branded credit cards. Cardholders with prime memberships will certainly see the value since they are already avid Amazon users. 

For many people, the higher cash back on Amazon and Whole Foods purchases on top of the other rewards on purchase will truly just be a bonus.

Weighing in the fact that the card doesn’t have 0% intro APR and carries higher balance transfer fees than normal, some people might not see the value, as these might be must haves for people looking for a new credit card. With this being said, this card might be as good as it gets for Amazon fans.

Amazon Prime Visa card benefits and offers
Amazon Prime Visa card benefits and offers (Screenshot from Chase app)

Compare The Alternatives

There are more cards for online shopping worth mentioning as alternatives to the Amazon card:

Capital One® Walmart Rewards® Card

amazon prime visa

chase freedom unlimited card

Capital One® Walmart Rewards® Card
Amazon Prime Visa Card
Chase Freedom Unlimited® card
Annual Fee
$0
$0 ($139 Amazon Prime subscription required)
$0
Rewards
1-5% 5% cash back at Walmart.com (including pickup and delivery), 2% cash back in Walmart stores and gas stations, at restaurants and on travel plus 1% cash back everywhere else Mastercard is accepted
1-5% 5% at Amazon.com, Amazon Fresh , Whole Foods Market and on Chase Travel purchases, 2% cash back on gas stations, restaurants and on local transit and commuting, 1% cash back on all other purchases
1.5% – 5% 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% cash back on all purchases
Welcome bonus
5% 5% cash back for the first 12 months when you use your card with Walmart Pay for in-store purchases, upon approval
$100 $100 Amazon gift card upon approval
Up to $300 additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year)- worth up to $300 cash back
Foreign Transaction Fee
Unknown
$0
3%
Purchase APR
17.99% – 28.99% (Variable)
19.24% – 27.24% Variable
20.24%–28.99% variable

FAQ

The Amazon card doesn't have a rewards limit, so you can earn cash back on all of your purchases. It has a tiered structure, so even purchases that are not on Amazon can still earn you some cash back.

You’ll need good to excellent credit for the Amazon Prime Rewards card. Although your income will be one of the factors assessed during your application, your credit score will be a more important consideration.

If you don’t get an instant decision after you submit the online application form for the Amazon Prime Rewards card, you may be waiting two to four weeks.

The top reason not to get the Amazon Prime Rewards card is that you don’t tend to spend a lot with Amazon or Whole Foods.

Compare Amazon Prime Visa Card

My Best Buy Visa Card is cheaper than the Amazon card, which requires a membership. But, it doesn't mean Amazon wins – here's why.

My Best Buy Visa Card vs Amazon Prime Visa Card: Comparison

The Amazon Prime Visa card offers high cashback for avid online shoppers. However, Costco is the winner when it comes to everyday spending.

Amazon Prime Visa vs Costco Anywhere Visa Card: Comparison

If you're a geek of both Amazon and Apple and not sure which card is better for your needs, we think we can help – there is a clear winner.

Apple Card vs. Prime Visa: Which Is Better?

While Target RedCard offers a less attractive cashback rewards ratio than Amazon, it still may be a better option for some. Let's compare

Target Red Card vs. Prime Visa: How They Compare?

The BJ's One+ Mastercard wins if you focus on groceries, but Amazon's card extra shopping perks and insurance are better.

BJ’s One+ Mastercard vs. Prime Visa: How They Compare?

Both the Prime Visa and the Capital One Walmart card offer similar cashback rewards ratios.

Here's why Walmart is our winner: Prime Visa vs: Capital One Walmart Rewards

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amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

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Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
185,000 points 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
90,000 miles 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
185,000 points 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
90,000 miles 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
185,000 points 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
70,000 miles 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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Lorraine Smithills

Lorraine Smithills

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
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milestone card art

Annual Fee:
$175 the first year; $49 thereafter
APR:
35.90%

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

milestone card art

Annual Fee:
$175 the first year; $49 thereafter
APR:
35.90%
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.