can i use my amazon prime store card anywhere

amazon prime free discord nitro Get 2 Server Boosts and 30% off extra Boosts. to show you a special trick using which you can claim it from anywhere. Like most store credit cards, the Amazon store card doesn't charge an annual fee. However, it's only good for Amazon.com purchases, and can't be. Amazon Prime is regularly $119 per year or $12. All Costco warehouse locations in the US take EBT cards! This means that you can buy fresh produce. can i use my amazon prime store card anywhere

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Amazon Store Card vs Amazon Rewards Visa Signature Card Comparación En Español ¿Cuál Es La Mejor?

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Can i use my amazon prime store card anywhere
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Can i use my amazon prime store card anywhere
Can i use my amazon prime store card anywhere

Best Credit Cards for Amazon for 2021

The Ascent's best credit cards for Amazon

Great for: General purpose online shopping

Apply Now

On Bank of America's Secure Website.

  • Includes a big bonus in the no-annual fee category and a flexible cash rewards program that enables you to earn premium cash back in a category of your choice. Plus, the long intro APR offer makes this card a standout among its peers. Read Full Review

    • Competitive sign-up bonus
    • Bonus cash back in a category of your choice
    • No annual fee
    • 0% intro APR offer
    • Foreign can i use my amazon prime store card anywhere fee
    • Limit on bonus cash back
    • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
    • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
    • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category.
    • No annual fee and no expiration on can i use my amazon prime store card anywhere Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
    • Contactless Cards - The security of a chip card, with the convenience of a tap
    • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Great for: Seasonal shoppers

  • Includes a robust rewards program and rich sign-up bonus offer that has unlimited upside. Somehow this card also packs in a great intro APR offer for no annual fee. Read Full Review

    • Rotating bonus categories
    • Sign-up bonus offer
    • Great intro APR offer
    • No annual fee
    • No foreign transaction fee
    • No fixed bonus categories
    • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
    • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
    • Plus, earn unlimited 1% cash back on all other purchases - automatically.
    • Redeem cash back in any amount, any time. Rewards never expire.
    • Use your rewards at Amazon.com checkout.
    • #1 Most Trusted Credit Card according to Investor’s Business Daily.
    • No annual fee.
    • Discover is accepted nationwide by 99% of the places that take credit cards.

Great for: 2% cash rewards on all eligible purchases

Apply Now

On Wells Fargo's Secure Website.

  • A standout cash back card with one of the highest unlimited rewards rates we've come across. The inclusion of a hefty sign-up bonus and versatile 0% intro APR offer are the cherries on top. Read Full Review

    • Unlimited 2% cash rewards
    • Long 0% intro APR offer
    • Generous cash rewards sign-up bonus
    • No annual fee
    • No bonus categories
    • Foreign transaction fees
    • New! Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
    • Earn unlimited 2% cash rewards on purchases
    • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.99% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
    • $0 annual fee
    • No category restrictions or sign ups and cash rewards don’t expire as long as your account remains open
    • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
    • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash℠ Card
    • Select “Apply Now” to learn more about the product features, terms and conditions
Источник: https://www.fool.com/the-ascent/credit-cards/best-amazon-credit-card/

Online superstore Amazon (AMZN) is rolling out a new credit card that combines features of the Can i use my amazon prime store card anywhere Prime Store Card and the existing Amazon Credit Card. Available only to Amazon Prime members, the new card -- called Amazon Prime Rewards Visa Signature Card -- offers:

  • 5 percent back on Amazon purchases.
  • 2 percent back at restaurants, gas stations and drugstores.
  • 1 percent back everywhere else.

Rewards never expire and are redeemable at Amazon. Your rewards balance appears on the checkout screen when you make a purchase, and you can apply rewards to a purchase in any amount, with no minimum redemption. 

The new card has no annual fee, but it does require membership in Amazon Prime, which costs can i use my amazon prime store card anywhere a year and provides other perks such as free two-day shipping and unlimited access to streaming media. The card has no foreign transaction fees.

Amazon Prime customers who already have the existing Amazon Credit Card, also known as the Amazon Rewards Visa Signature Card, will be upgraded http www edd ca gov the new Prime product automatically. Existing accounts will start earning the new benefits immediately, and their new card should arrive soon, Amazon said. 

Also, the new card will be made of metal rather than plastic, latching on to the craze that surrounded the 2016 release of the metal Chase Sapphire Reserve.

Here’s a look at how the new card stacks up against other Amazon cards:


Amazon Prime Rewards Visa Signature

Amazon Credit Card

Amazon Prime Store Card

Where can you use it?

Anywhere that accepts Visa

Anywhere that accepts Visa

Only at Amazon

Rewards on Amazon purchases

5%

3%

5%

Rewards at restaurants, drugstores, gas stations

2%

2%

N/A

Rewards on all other purchases

1%

1%

N/A

Annual fee for card

$0 (but requires $99 Prime membership)

$0

$0 (but requires $99 Prime membership)

For Prime members who already have the existing Amazon Credit Card, upgrading to the new card will mean higher rewards at no additional cost. For cardholders who might have been on the fence about ponying up the $99 for Prime membership, the new rewards rate for Amazon prime stock price purchases -- a 67 percent increase -- might be just the push they’re looking for. 

For holders of the Amazon Prime Store Card, getting the same 5 percent back at Amazon, plus additional rewards elsewhere, makes the new card an enticing upgrade.

The biggest drawback, as with any store credit card, is that the rewards can be used at only one place. But in this case, that one place is Amazon, which carries so many different kinds of products that you won’t lack for opportunities to redeem rewards, whether on Cartier watches, Angel Soft toilet paper or anything in between.

“Think of the card as a 5 percent discount on every Amazon purchase, no coupons needed,” said NerdWallet credit cards expert Sean McQuay.

Paul Soucy is an editor at NerdWallet, a personal finance website. Email: [email protected] Twitter: @paulsoucy.

The article New Card: 5% Back at Amazon, Rewards Everywhere Else originally appeared on NerdWallet.

» MORE: Amazon Prime Store Card: Is it right for you?

» MORE: Credit card reward program reviews

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Источник: https://www.cbsnews.com/news/amazons-new-prime-credit-card-adds-extra-perks/

Use Your Discover Cash Back Rewards on Amazon

Do you know that you can use your Discover it® Cash Back card’s Cashback Bonus® to shop at Amazon.com? You can also shop at Amazon.com with your Discover Miles if you have the Discover it® Miles card.  Both cards can link your Amazon.com and Discover accounts and pay for your purchases automatically at a 1:1 ratio. It’s one of the great ways a credit card with rewards can bring more value to your shopping.

First, you will need to link your Discover credit card to your Amazon.com account. Go to the Amazon “Cashback Bonus from Discover” page and click “Link your rewards account now.”


You will see the Amazon Sign In page. Enter your Amazon.com account information.

sign into amazon.com


After you’ve signed in, you’ll be taken to the Enroll a New Card page.


Click the “Enroll a new rewards account” button and fill out your Discover card information.


Your Discover credit card is now linked to your Amazon.com account and you’ll be able to use your rewards to pay at checkout.

Making a purchase at Amazon.com with the Cashback Bonus of your Discover it® card is very easy. After you sign into your Amazon.com account, hover over “Account and Lists,” then go to “Shop with Points.”

From there, find the “Shop with Points” link.

The next page will open all your accounts enrolled with Amazon.com.

enrolled credit cards at amazon.com


Click anywhere on the Discover Card line and check “Apply by Default.” You will see the words “Apply by Default” appear under your Cashback Bonus.

default credit card at amazon.com


From now on, Amazon.com will always apply your available Discover it® Cashback Bonus to pay for all or part of your order until you cancel first national bank of long island huntington ny as the default payment method.

The Discover it® Miles card works in a similar fashion.

Happy shopping!

Published September 1, 2017

Updated May 17, 2021.

Use Rewards at Amazon.com: For complete details on how to Pay with Cashback Bonus at Amazon.com see Amazon.com/CashbackBonus. Amazon is not a sponsor of this promotion. Amazon, the Amazon.com logo and the smile logo are trademarks of Amazon or its affiliates.

Use Rewards at Amazon.com: For complete details on how to Pay with Miles at Amazon.com see Amazon.com/DiscoverMiles. Amazon is not a sponsor of this promotion. Amazon, the Amazon.com logo and the smile logo are trademarks of Amazon or its affiliates.

Legal Disclaimer: This site is for educational purposes and is not a substitute for professional advice. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. It does not guarantee that Discover offers or endorses a product or service. For specific advice about your unique circumstances, you may wish to consult a qualified professional.

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Creatures of habit, rejoice! Your loyal shopping behaviours may just pay off, big time. If you shop regularly at certain retailers, using a store credit card can help you to earn discounts, free goods and exclusive perks by swiping or tapping for everyday purchases. Spending with a store credit card can even give you VIP access to sales. And if you already collect loyalty points, they’ll likely accumulate even quicker with a store credit card. Considering that these cards typically have no annual fee, the reasons to switch are racking up quicker than your latte charges. Read on to see which are the best store credit cards in Canada for making your daily spending work for you.

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Best store credit cards in Canada


Attention foodies

PC Financial World Elite Mastercard*

This credit card brings something more to the table–get it? Arguably the best no fee card credit for groceries in Canada, the PC Financial World Elite Mastercard earns you PC Optimum Points faster when you shop at any of the Loblaw banner stores (Loblaws, No Frills, Superstore, Fortinos, etc.), Shoppers Drug Mart and when you fill up at Esso and Mobil gas stations.

  • Annual fee: $0
  • Welcome bonus: None
  • Earn rate: 30 points per $1 at Loblaws stores, PC Travel and Esso; 45 points per $1 at Shoppers Drug Mart; 10 points per $1 everywhere else
  • Additional benefits: Travel emergency medical insurance and car rental collision or damage insurance
  • Income requirement: $80,000 or $150,000 as a household

Get more details about the PC Financial World Elite Mastercard*

How it works

You rack up the equivalent of 4.5% cash back in PC Optimum Points at Shoppers Drug Mart and 3% on groceries from Loblaws banner stores. You’ll also earn 30 Optimum Points per litre of gas at Esso and Mobil stations—making it one of the best retailer credit cards for gas on the market—and 1% in PC  points everywhere else you swipe the card.

The loyalty system is easy to understand: 10,000 PC Optimum Points is equivalent to $10 redeemable in merchandise (or in other words, 10 points = $0.01 or 1%).

You can redeem your points at almost 2,500 participating retail locations including Loblaws banner stores and Shoppers Drug Mart/Pharmaprix locations. As soon as you reach over 10,000 points, you present your card at the register and the respective discount is deducted from your bill instantly.

Perks

This card doesn’t have an annual fee, and it offers free travel emergency medical insurance for up to $1 million for trips of 10 days or less. It also comes with car rental insurance, purchase assurance in case of theft, loss or damage after you buy an item with your card and extended warranty on certain items purchased with the card. It also has a free 24/7 concierge service for dinner reservations, event tickets, gift delivery and more. You can also stack any PC Optimum points you regularly earn on the credit card with personalized offers from the PC Optimum app, in-store points offers or flyers.

Drawbacks

Purchases on certain items, like tobacco, lottery tickets and prescriptions at stores, do not earn you PC Optimum Points. Also, while you can earn points at Esso and Mobil gas stations, you cannot redeem points for free gas.

To qualify for the PC Financial World Elite Mastercard, you need a minimum annual income of $80,000 or $150,000 as a household, as well as a minimum spend of $15,000 annually. However, if you don’t meet those requirements, you will automatically be considered for the PC Financial World or entry-level PC Financial Mastercard with lesser income and still earn PC Points on everyday spending.


Get more details about PC Financial credit cards*


If you shop local

Neo Financial Mastercard Essential*

Links to Neo websiteMaking an effort to #supportlocal? That doesn’t mean you can’t earn competitive cash-back rewards. This no-fee card allows you to earn an average of 4% cash back when you spend at partnered retailers, including both local shops and bigger businesses, like Netflix, Spotify and Hudson’s Bay. A sampling of its partners can be found on the website, and you can see more partners when you use the app.

  • Annual fee: $0
  • Welcome bonus: None
  • Earn rate: 4% cash back with Neo partners, 1% on everything else
  • Additional benefits: Cash back can be redeemed instantly with no minimum threshold
  • Income requirement: None specified

Get more details about the Neo Financial Rewards Mastercard*

How it works

You rack up the equivalent of 4% cash back at local partner retailers, which you can view in the Neo Financial app. All other spending earns you 1% cash back. You can redeem your points instantly, and there’s no threshold to reach before you can redeem them. You can keep your card as a standard no-fee card, or change to the Neo Financial Mastercard Plus ($2.99 monthly fee) to earn 5% cash back from partners or the Neo Financial Mastercard Max ($8.99 monthly fee) to earn 6%. On all plans, you still earn 1% cash back for other purchases.

Perks

This card doesn’t have an annual fee, over-limit nor inactivity fees. It also offers unique rewards from the businesses it partners with, which can mean perks like earning a free morning coffee at your local shop or getting 20% off a new yoga class.

Drawbacks

Depending on your spending habits, the cost of the Plus or Ultra plans might make the cash back rewards more worth it for you. You’d have to do the math to decide the better deal, based on your spending habits.

Get more details about the Neo Financial Rewards Mastercard*


Another thing for multitaskers

Triangle Mastercard from Canadian Tire*

If you spend a lot on items for your home, car, sports equipment and more, you could collect Canadian Tire Money with those purchases. This card rewards you with CT Money while shopping at Canadian Tire and eligible stores. It’s worth noting that Canadian Tire Money has changed: it’s not the fun, Monopoly-style paper bills of an era gone by; CT Money racks up electronically now.

  • Annual fee: $0
  • Welcome offer: Earn 15% in CT Money at affiliated stores (Canadian Tire, Sport Chek, Atmosphere and more)
  • Earn rate: 4% in CT Money at affiliated stores, $0.05 per litre at Gas+ and participating Husky gas stations
  • Rewards on everything else: 1.5% on the first $12,000 spent on groceries per calendar year (excluding Costco and Walmart); 0.5% on everything else
  • Income requirement: None specified
  • Additional benefits: No-fee financing on qualifying purchases of $150 or more at affiliated retailers, no-receipt returns, personalized offers and member-only events

Get more details about the Triangle Mastercard*

How it works

The Triangle Mastercard lets you rack up the equivalent of 4% cash back in CT Money when you spend at Canadian Tire, Sport Chek, Atmosphere, Hockey Experts, Sports Rousseau, L’Entrepôt du Hockey, Mark’s/L’Équipeur, Party City and participating and Sports Experts stores. You also earn $0.05 per litre of gas when you fill up at Gas+ and Husky stations. And don’t forget, Canadian Tire offers auto services, so collecting (or redeeming) CT Money could be a silver lining to your next flat tire or oil change.

In terms of rewards systems, it couldn’t be simpler: $1 in Canadian Tire Money is equivalent to one redeemable dollar on Canadian Tire, Sport Chek, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Mark’s/L’Équipeur and Sports Experts stores. You can use your CT Money by presenting your credit card to the cashier.

Perks

The Triangle Mastercard boasts no annual fee and also offers a no-receipt return policy at participating stores and exclusive savings events for members.

You can also take advantage of their no-fee, no-interest financing program on bigger purchases at Canadian Tire (and the aforementioned stores). Basically, when you spend $150 or more, you can split it into 24 equal monthly payments, as long as you pay your minimum balance due each month. It’s like layaway 2.0.

Drawbacks

The reward points are only applied to the price of the purchased items, meaning the 4% you’ll earn on purchases at Canadian Tire doesn’t include sales tax. Get more details about the Triangle Mastercard*


For the online shopper

Amazon.ca Rewards Mastercard

If going to the mall isn’t your thing right now (totally understandable), the Amazon.ca Rewards Mastercard could be perfect for you. It lets you earn points to use towards discounts on your Can i use my amazon prime store card anywhere purchases (as well as for shopping at Whole Foods, grocery stores and restaurants).

  • Annual fee: $0
  • Earn rate on Amazon and Whole foods: 2.5% for Prime members and 1.5% for non-Prime Members
  • Earn Rate on everything else: 1% on Canadian purchases, and 2.5% on eligible foreign currency transactions to help cover foreign exchange fees if you’re a Prime member (otherwise it’s 1%)
  • Income requirement: None specified

How it works

Amazon Prime members get 2.5% in Amazon points on purchases at Amazon.ca and Whole Foods Market stores. If you’re not a Prime member, you get 1.5% on eligible purchases at Amazon.ca and Whole Foods stores. You also get 1% on eligible purchases elsewhere.

The system is simple: Rewards are automatically loaded into your Amazon account once you’ve earned 2,000 points (equivalent to $20). You can then use those points to redeem for Amazon gift cards.

Perks

This card has no annual fee and also offers a great welcome bonus: You get 5% back at Amazon.ca, Whole Foods Stores, grocery stores and restaurants for six months after approval or on the first $3,000 in eligible purchases, maxing out at $150 in rewards.

Cardholders also get 2.5% back on eligible foreign currency transactions, which helps to cover foreign transaction fees. If you’re not a Prime member, you get 1% back on foreign currency transactions.

Drawbacks

Compared to cards with a large network of stores, this is really only worth it if you’re a dyed-in-the-wool Amazon shopper. Plus, the Can i use my amazon prime store card anywhere membership isn’t complimentary—it’s $79 a year.


Attention frugal shoppers

Walmart Rewards World Mastercard

Walmart Rewards World Mastercard

If you love a good deal, you’re probably no stranger to the aisles of Walmart. Here’s how the Walmart Rewards World Mastercard can make those (already rolled-back) dollars go further for you.

How it works

You’ll earn a hefty 3% when shopping online at Walmart.ca and 1.25% when shopping in-store at their brick-and-mortar locations. You’ll also get 1.25% when you fill up at any gas station (a definite plus if it’s not always feasible to gas up at the same chain). You’ll also earn 1% on purchases anywhere else.

Perks

This card starts paying off right away. You can start redeeming when you collect as little as $5 in rewards. It’s also very simple: $1 Walmart Dollar = $1 in discounts.

Drawbacks

This is another card you have to meet a minimum income requirement for ($100,000 annually as a household). If you don’t make the cut, you could still qualify for the entry-level Walmart Rewards Mastercard, but before you apply consider there are some better reward credit cards to use at Walmart.

At 3%, the Walmart Rewards World Mastercard also works best if you do a lot of online shopping at Walmart.ca. But if you prefer to shop in-person, again, there are better cards available that earn more rewards when spending at brick-and-mortar Walmart locations like the American Express SimplyCash Preferred or TD First Class Visa Infinite.



Ready for the driver’s seat

Scotiabank GM Visa Infinite

Walmart Rewards World Mastercard

While this isn’t technically a “store” credit card, the Scotiabank GM Visa Infinite credit card receives honourable mention, as it can help you save considerably if you’re shopping around for a new car from Chevrolet, Buick, GMC or Cadillac.

  • Annual fee: $79
  • Welcome offer: Earn up to 5% in GM Earnings for the first $10,000 spent on everyday purchases annaully. Apply before February 28, 2022.
  • Earn can i use my amazon prime store card anywhere Earn up to 5% in GM Earnings on your first $10,000 spent on everyday purchases; 2% in GM Earnings; $1 in GM Earnings = $1 off the price or lease payment of a new Chevrolet, Buick, GMC or Cadillac vehicle
  • Income requirement: $60,000 or $100,000 household
  • Additional benefits: Travel medical and trip interruption insurance and rental car insurance and discounts

How it works

You’ll earn 5% in GM Earnings on the first $10,000 in annual credit card purchases, and 2% thereafter.  The gist: $1 in GM Can i use my amazon prime store card anywhere is the equivalent of $1 off the purchase price or lease payments for any of the car brands listed above.

Perks

This card offers comprehensive travel insurance, including medical, trip interruption and rental car insurance, to name a few.

Drawbacks

Unlike the other cards mentioned in this article, this does have an annual fee of $79, but it is waived for the first year.

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If a link has an asterisk (*) at the end of it, that means it's an affiliate link and can sometimes result in a payment to MoneySense (owned by Ratehub Inc.) which helps our website stay free to our users. It's important to note that our editorial content will never be impacted by these links. We are committed to looking at all available products in the market, and where a product ranks in our article or whether or not it's included in the first place is never driven by compensation. For more details read our MoneySense Monetization policy.

Источник: https://www.moneysense.ca/spend/the-best-store-credit-cards-in-canada/

Is Amazon Reload really a good deal for customers?

Once upon a time there was a little online bookseller called Amazon. Fast forward a few decades, and that little bookseller bought Whole Foods for $13.7 billion and actually ended up getting it for "free."

The moral of the story is, Amazon CEO Jeff Bezos is very, very business savvy. As customers have benefited from Amazon’s explosions – we take two-day shipping for granted, Amazon Prime has everything you could want in a subscription service, and we’re all becoming impatient waiting for delivery drones – it can be easy to forget that Amazon is still a company, and we can and should be wary of things that seem too good to be true.

If you have a nagging feeling about Amazon Reload, that’s okay. You load money to your Amazon account, get a two percent bonus, can i use my amazon prime store card anywhere shop to your heart’s content. Sounds great on the surface, and there are definite benefits. It’s useful if you’re already an avid Amazon shopper, and by preloading money to your account you can set an Amazon "budget" for yourself.

Amazon comes out on top, too, since the two percent bonus is less costly than higher credit card processing fees it would normally can i use my amazon prime store card anywhere to deal with. But is that the only place they’re winning?

Here’s what customers thinking of using Amazon Reload need to know before putting their hard-earned cash into the program.

You have to be an Amazon Prime member

Amazon Reload is free to use. In fact, with the two percent bonus, you’re essentially getting free money. But that’s without taking an Amazon Prime subscription, which is required, into account. Amazon Prime costs $99 for an annual subscription, or $10.99 a month ($131.88 a year).

There are some caveats here. Amazon Prime members place more orders on Amazon than non-Prime members; that’s more credit card transactions – and more credit card fees – so promoting Reload to Prime members makes sense. Customers get rewarded for frequent purchases, and Amazon avoids frequent fees.

But it shouldn’t be a selling point for non-Prime members. Think of it like a sale item: stores are counting on customers buying items they normally wouldn’t, because they’re "saving money" (but not really, because it’s money they wouldn’t have ordinarily spent).

If it makes sense for you to join Amazon Prime, you should. The monthly or annual fee is likely to be more than you’ll make back with your two percent free money on Amazon Reload, though, and you need to take membership fees into account when you’re considering the program.

You have to use a debit card

With Amazon Reload, you have to use your debit card to reload your account. That may not be an issue for you, but there are upsides to using credit cards instead of debit cards.

First, you’re not going to get the same rewards with a debit card as you do with a credit card (including on very specific reward, which we’ll get to later). Cashback, air travel miles, and more are the norm rather than the exception with credit cards. Not so with debit cards. The rewards you can accumulate with a credit card are likely more than the two percent Reload bonus.

Debit cards also don’t come with the same protections that credit cards do. Cardholders are limited to $50 of liability in the case of fraudulent purchases, but debit cards usually don’t have those same safeguards. That’s why most people recommend not using your debit card online.

Can you trust Amazon with your debit card information? Probably. But customers also thought they could trust Target, T-Mobile, Chipotle.well, you get the picture. Better safe than sorry.

Your 'money' is stuck at Amazon

When you use Amazon Reload, it’s basically like buying an Amazon gift card over and over again. You’re crediting your own account. That means that your money can only be used on Amazon.

As mentioned before, this can be a good way to budget your Amazon spending. Always afraid you’re going to max out your credit card or drain your bank account thanks to Amazon deals? Now you can load a specific amount to your account, get your bonus money, and spend only that amount.

But it also locks you into Amazon. They want this, of course, but you may not. You probably want the flexibility to spend your money the way you need to, and not have it be useful only at a single retailer, no matter how many things you can buy in bulk from said retailer. You never know when an emergency comes up and you wish that $100 was sitting in your bank account instead of your Amazon account.

There are better Amazon deals

Two percent bonus money is good. A five percent reward is better. Why not just do that instead?

You can, with the Chase Amazon Prime Rewards Visa Signature Card. Not only do you get five percent back on all Amazon purchases, but you get two percent back at restaurants, gas stations, and drugstores, and one percent back on everywhere else. The standard, non-Prime version of the card gives the same benefits, but with three percent back on Amazon purchases – still more than what Amazon Reload gives, and you don’t have to worry about the added expense of an Amazon Prime account.

As always, you should be careful about opening a new credit card. Watch out for fees (the Chase card doesn’t have any annual fees), can i use my amazon prime store card anywhere rates, and spending limits, and be sure that you can use the card responsibly. But the point is that there are better options out there for stretching your money. Even if you don’t use an Amazon-specific credit card, options like the Citi Double Cash Card nets you the same two percent that Amazon Reload does, and gives it to you no matter where you spend.

There is definitely an audience for Amazon Reload; if you have an Amazon Prime account already, aren’t in the market for a new credit card, and make a lot of purchases, it may be for you.

But there’s not a lot to sell new customers on. The "hidden" Amazon Prime subscription fees, the dangers of using debit cards online, the limitations of holding your money in Amazon, and the better alternatives that are out there mean that you should think twice about using it.Image: Adam Matan

Colin Lalley is the Associate Director of SEO Content at Policygenius in New York City. His writing on insurance and personal finance has appeared on Betterment, Inc, Credit Sesame, and the Council for Disability Awareness.

Источник: https://www.policygenius.com/personal-finance/news/is-amazon-reload-really-good-for-customers/

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