The Amazon Prime Visa Card, exclusively available to Amazon Prime members, entices with its generous cashback system. On the other hand, the Costco Anywhere Visa Card, issued by Citi, is tailored for Costco members who relish the bulk shopping experience.
Let's compare them side by side to see which of them better fit with your spending habits.
Amazon vs Costco Credit Card: General Comparison
The Prime Visa card, available exclusively to Amazon Prime members, offers great value for frequent online shoppers. With 5% cash back on Amazon.com and Whole Foods Market purchases, it’s perfect for those who regularly shop in the Amazon ecosystem.
On the other hand, the Costco Anywhere Visa card offers strong cashback rewards on key expenses like gas, dining, and Costco shopping. This makes it a solid choice for Costco members who want to earn practical rewards on their everyday spending.
Top Offers
Top Offers From Our Partners
Top Offers
Cashback Analysis: Amazon vs Costco Credit Card
Overall, for the average consumer, there’s not a huge difference in cashback between the two cards. The Costco card is a better choice if you spend a lot on gas and groceries. However, if you primarily shop for travel or Amazon products, the Amazon card is the stronger option.
One important thing to note is that Costco cashback is issued as an annual reward certificate, which you can access after your February billing statement. This certificate can be redeemed for cash or merchandise at Costco warehouses across the U.S.
|
| |
|---|---|---|
Spend Per Category | Costco Anywhere Visa Card | Prime Visa Card |
$15,000 – U.S Supermarkets | $300 | $150 |
$5,000 – Restaurants | $150 | $100 |
$4,000 – Amazon Products | $40 | $200 |
$4,000 – Travel
| $120 | $200 |
$4,000 – Gas | $160 | $80 |
Estimated Annual Cashback | $770 | $730 |
* Assuming all supermarkets/gas purchases made via Costco
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.
Additional Benefits: Comparison
When it comes to extra benefits, there are no special shopping benefits. Both cards offer a variety of protections, but the Amazon card protections are broader than Costco's.
Costco Anywhere Visa Card
- Damage & Theft Purchase Protection: Costco's Citi card offers coverage for damaged or stolen purchases, providing potential repairs or refunds within 120 days of acquisition, offering peace of mind for cardholders.
- Travel & Emergency Assistance: Costco cardholders benefit from 24/7 services, ensuring assistance with emergency travel arrangements, travel issues, medical and legal referrals, and more, enhancing their travel experience.
- Roadside Assistance Dispatch Service: With coverage across the U.S. and territories, Costco's Citi card provides a Roadside Assistance Dispatch Service, ensuring prompt help for cardholders facing car troubles during their journeys.
- Purchases Analysis and Tools: The Costco card offers a variety of spending tools and statistics on your purchases and rewards.
- Citi Entertainment℠: Elevating experiences, Citi Entertainment provides exclusive access to presale tickets and special events, enhancing the entertainment options available to Costco cardholders.
- $0 Liability on Unauthorized Charges: Costco's consumer card ensures complete protection against unauthorized charges, relieving cardholders of responsibility for any unauthorized online or other charges.
Prime Visa Credit Card
- 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.
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.
When You Might Prefer The Amazon Prime Visa?
Here are scenarios where the Prime Visa Card might be the preferred choice:
- Frequent Online Shopper: If you find yourself making regular purchases on Amazon.com or shopping at Whole Foods Market, the Prime Visa Card offers an enticing 5% cash back on these transactions. This makes it an ideal choice for individuals who prioritize online shopping and organic grocery purchases.
- Amazon Prime Membership: Since the Amazon Prime Visa Card requires an Amazon Prime membership, it's particularly attractive for those who are already subscribed to Prime services. If you're already enjoying the benefits of Prime, such as fast shipping, streaming services, and exclusive deals, adding the credit card to your arsenal can complement your overall Prime experience.
- Diverse Spending Habits: The Prime Visa Card extends its benefits beyond online shopping, providing higher cash back rate on dining, gas, drugstore and travel purchases via Chase Travel portal. If your spending habits encompass a range of categories, including these, the card's versatility can result in substantial cash back rewards.
Top Offers
Top Offers
Top Offers From Our Partners
When You Might Prefer The Costco Credit Card?
Here are situations where the Costco Anywhere Visa Card might be the better choice:
- Frequent Costco Shopper: If you are a regular Costco shopper and enjoy the bulk buying experience, the Costco Anywhere Visa Card is tailored to reward your loyalty. With 2% cash back on all Costco purchases, including gas, it's an attractive option for individuals who prioritize in-store bulk shopping.
- Significant Gas Expenditure: The Costco Anywhere Visa Card offers an impressive 4% cash back on eligible gas purchases, up to $7,000 annually, and 1% thereafter. If you spend a substantial amount on fuel each year, this card provides a substantial reward for your gas expenses.
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:
|
|
| |
|---|---|---|---|
Target Red Card | Apple Credit Card | Sam's Club® Mastercard® | |
Annual Fee | $0 | $0
| $0 ($50/$110 for Club/Plus membership – MUST)
|
Rewards | 1% – 5%
5% off at Target and target.com, 2% on dining and gas purchases and 1% everywhere else outside of Target
| 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 | 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 | 29.45% Variable | 15.99% – 26.99% Variable
| 20.40% or 28.40% Variable
|
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.
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.
While Target RedCard offers a less attractive cashback rewards ratio than Amazon, it still may be a better option for some. Let's compare
The BJ's One+ Mastercard wins if you focus on groceries, but Amazon's card extra shopping perks and insurance are better.
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 Costco Anywhere Visa Card by Citi
Both can be a perfect choice if you're looking for a store card. What are the main things you should know before applying, and how much can you save? Here's our analysis.
Costco Anywhere Visa vs Capital One Walmart Rewards Card: Which Card Is Best?
The Costco card stands out with substantial cashback rewards on gas, dining, and Costco shopping. In which cases the Apple card may be better?
Costco Anywhere Visa Card by Citi vs Apple Card: Which Card Is Best?
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?
In the realm of wholesale clubs, Sam's Club and Costco stand as titans. Which of them offers a better branded credit card? Here's our verdict.
Sam's Club Mastercard vs Costco Anywhere Visa Card: Which Card Is Best?
The Costco Card is a great for Costco shoppers, gas and grocery purchases, while the Freedom Unlimited stands out for its travel benefits.
Costco Anywhere Visa Card vs Chase Freedom Unlimited: Comparison
BJ's One+ Mastercard our winner when it comes to cashback, but Costco card offers flexibility and many categories with higher cashback ratio.
BJ's One+ Mastercard vs Costco Anywhere Visa Card: How They Compare?
If you focus on groceries – the Target RedCard wins, but if you focus on travel or gas – you may want the Costco credit card.
Target Red Card vs. Costco Anywhere Visa Card: How They Compare?
Related Posts
Review Online Shopping Credit Cards
Capital One Walmart
Amazon Prime Rewards Visa Signature
U.S. Bank Cash+ Visa Signature
Wells Fargo Active Cash
Chase Freedom Flex
Target Red Card
