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

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)
Interest Rates Last Update: November 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
  • Article update: November 29, 2024
Author: Baruch Mann (Silvermann)
Interest Rates Last Update: November 15, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
  • Article update:November 29, 2024

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% back on Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel purchases. Plus, you’ll get 2% back at gas stations, restaurants, and on local transit, and 1% on all other purchases
Welcome bonus
10% back in rewards on your first day of purchase
Get a $200 Amazon Gift Card
0% Intro APR
N/A
N/A
Foreign Transaction Fee
N/A
$0
Purchase APR
15.99% – 31.49% variable
19.99% – 28.74% 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 on your new Card in your first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn $200 bonus after opening a Rewards Checking account and making 3 debit card transactions.

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 on your new Card in your first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn $200 bonus after opening a Rewards Checking account and making 3 debit card transactions.

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 on your new Card in your first 6 months of Card Membership

upgrade cash rewards
Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn $200 bonus after opening a Rewards Checking account and making 3 debit card transactions.

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 provides flexible redemption options, allowing you to use your rewards as a statement credit or automatically apply them each billing cycle.

You can also redeem points for eligible purchases on Amazon.com by linking your card and using the “”shop with points”” option at checkout.

On the other hand, Best Buy cashback is earned in Best Buy points, which can be redeemed for purchases and discounts at Best Buy.

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 earning 5% cash back on Best Buy purchases, cardholders can opt for financing options. The My Best Buy® Credit Cards offer deferred interest financing, allowing users to make purchases without paying interest for a set period.

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

  • No Foreign Transaction Fees: When traveling abroad, you won’t incur any foreign transaction fees on your 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 on your new Card in your first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn $200 bonus after opening a Rewards Checking account and making 3 debit card transactions.

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 on your new Card in your first 6 months of Card Membership

upgrade cash rewards
Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn $200 bonus after opening a Rewards Checking account and making 3 debit card transactions.

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 on your new Card in your first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn $200 bonus after opening a Rewards Checking account and making 3 debit card transactions.

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