Credit Cards » Compare Credit Cards » My Best Buy Visa Card vs Amazon Prime Visa Card: Comparison
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My Best Buy Visa Card vs Amazon Prime Visa Card: Comparison

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.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: April 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: April 15, 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.

The My Best Buy Visa Card offers unique advantages for shoppers and tech enthusiasts. Meanwhile, the Prime Visa Card leverages its connection to the e-commerce giant, providing unparalleled benefits for avid online shoppers.

Let's compare them side by side.

Best Buy vs. Amazon Card: General Comparison

The reward structure of both cards is quite similar, and both offer a welcome bonus and no annual fee (Amazon's card require membership). 

best buy credit card

amazon prime visa

My Best Buy Visa Card
Prime Visa
Annual Fee
$0
$0 ($139 Amazon Prime subscription required)
Rewards
5% back in rewards on shopping at BestBuy, 3% back in rewards on gas purchases, 2% back in rewards on dining, takeout and grocery purchases, 1% back in rewards on everyday purchases
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
Welcome bonus
10% back in rewards on your first day of purchase
$100 Amazon gift card upon approval
0% Intro APR
N/A
N/A
Foreign Transaction Fee
N/A
$0
Purchase APR
15.99% – 31.49% variable
19.49% – 27.49% Variable
Read Review
Read Review
Top Offers

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

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.

Cashback Analysis: Which Card Gives More?

In our analysis, the estimated annual cashback is quite similar between the cards – while the Best Buy card earns more in supermarkets, the Amazon card is better for travel purchases as long as they are done on Chase Travel.

best buy credit card

amazon prime visa

Spend Per Category
My Best Buy Visa Card
Prime Visa
$15,000 – U.S Supermarkets
$300
$150
$5,000 – Restaurants
$150
$100
$4,000 – Best Buy/Amazon Products
$200
$200
$4,000 – Travel
$40
$200
$4,000 – Gas
$120
$80
Estimated Annual Cashback
$810
$730

The Amazon card offers versatile redemption options, allowing users to apply rewards as a statement credit or automatically apply them each billing cycle.

Additionally, users can utilize points for eligible purchases on Amazon.com by linking their credit card and choosing the “shop with points” feature at checkout. 

Best Buy cashback is earned in Best Buy points, which you can use on BestBuy for purchases and discounts.

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

Additional Benefits: Best Buy vs. Amazon Card

When it comes to extra benefits, each card has its own unique benefits. The Best Buy card offers financing options and free shipping, while the main advantages of the Amazon card are its variety of protections.

My Best Buy Visa Card

best buy credit card

  • Financing Options: Instead of receiving 5% cash back rewards on Best Buy purchases, cardholders have the option to choose financing alternatives. The My Best Buy® Credit Cards offer deferred interest financing, enabling users to make purchases without incurring immediate interest charges for a specific period.

  • Free Shipping: Enjoy free shipping on qualifying purchases at Best Buy.

  • No Foreign Transaction Fees: if you travel abroad, you won't pay a foreign transaction fee on purchases.

Amazon Prime Visa

amazon prime visa

  • Prime Card Bonus: Earn an impressive 10% back or more on select products, sweetening the deal for Amazon Prime members and making the card particularly rewarding for frequent shoppers.
Amazon prime club options and benefits
Amazon Prime club options and benefits (Screenshot from Amazon app)
  • Baggage Delay Insurance: In the unfortunate event of delayed baggage, this benefit helps cover essential expenses, ensuring a smoother travel experience.

  • Extended Warranty Protection: Purchases made with the card often receive extended warranty protection, providing added coverage beyond the manufacturer's warranty.

  • Lost Luggage Reimbursement: Should your luggage go astray during travel, the card offers reimbursement for essential items, alleviating the inconvenience of lost belongings.

  • Roadside Dispatch®: The card includes access to a 24/7 roadside assistance hotline, offering services like towing, tire changes, and more in case of vehicle breakdowns.

  • Travel Accident Insurance: Cardholders enjoy travel accident insurance, providing financial coverage in the event of accidental death or dismemberment while traveling.

  • Travel and Emergency Assistance: This feature offers access to a range of emergency services while traveling, providing support in unforeseen situations.

  • Purchase Protection: The card provides protection against damage or theft for eligible purchases made with the card, enhancing the security of your acquisitions.

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

When You Might Prefer The Prime Visa Card?

Here are some reasons why you might prefer the Amazon Prime Visa Card over the My Best Buy Visa Card:

  • You Buy Frequently On Amazon: The Prime Visas Card offers 5% back on Amazon.com and Whole Foods purchases, which is a great benefit if you have an Amazon Prime membership and you freuqnely buy on Amazon
  • If you prefer a more versatile rewards card: the Prime Visas Card can be used at a wider variety of stores than the My Best Buy Visa Card. This makes it a more versatile rewards card.
  • You Want Travel Insurance Benefits: The Prime Visa Card provides various travel-related benefits, such as travel accident insurance, roadside assistance, and baggage delay insurance, making it suitable for individuals who value these perks for their travels.
Top Offers

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.
Top Offers

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.

When You Might Prefer The Best Buy Visa Card?

Here are some reasons why you might prefer the My Best Buy Visa Card over the Prime Visa Card:

  • You Frequently Shop at Best Buy: The My Best Buy Visa Card offers 5% cash back on eligible Best Buy purchases. This makes it a good choice if you are a regular Best Buy shopper.
  • You Want to Finance a Large Purchase: The My Best Buy Visa Card offers financing options for a variety of products. This can be helpful if you are financing a large purchase, such as a new TV or appliance.
  • In-Store Shopping: If you prefer shopping in physical stores rather than online, the My Best Buy Visa Card may be more appealing as it caters to in-store purchases at Best Buy and offers specialized financing options.

Compare The Alternatives

If you're looking for a store credit card with great rewards for online shopping – there are some good alternatives you may want to consider:

Citi-costco-anywhere-visa-credit-card review

Apple card

Sam's Club® Mastercard®

Costco Anywhere Visa® Card by Citi
Apple Credit Card
Sam's Club® Mastercard®
Annual Fee
$0 ($60 Costco membership fee required)
$0
$0 ($50/$110 for Club/Plus membership – MUST)
Rewards
1-4% 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
1% – 3% 3% cash back at Apple and select Apple pay partners. 3% Daily Cash back at Ace Hardware, Duane Reade, Exxon, Mobil, Nike, Panera Bread, T-Mobile, Uber, Uber Eats, and Walgreens. 2% on other Apple pay purchases, and 1% on all other purchases
1-5% 5% cash back on gas anywhere Mastercard is accepted (on the first $6,000 per year, then 1% after), 3% cash back on Sam’s Club purchases for Plus members, 3% on dining and takeout and 1% on all other purchases
Welcome bonus
None None
N/A
None $30 statement credit after making $30 in Sam’s Club purchases within the first 30 days
Foreign Transaction Fee
$0
$0
N/A
Purchase APR
20.49% (Variable)
15.99% – 26.99% Variable
20.40% or 28.40% Variable

Compare Amazon Prime Visa Card

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

Compare My Best Buy Visa Card

The Apple Card offers high cashback on Apple products, while the Best Buy card wins when it comes to gas and BestBuy purchases. Let's compare.

My Best Buy Visa Card vs Apple Card: How They Compare?

Costco is a clear winner when it comes to rewards for everyday spending, but the Best Buy Card wins for gadget lovers. Here's our comparison.

My Best Buy Visa vs Costco Anywhere Visa Card: How They Compare?

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Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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Best Cards Per Category
Top Offers

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:
95,000 points 95,000 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:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six 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:
95,000 points 95,000 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:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 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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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.