Amazon Prime Rewards Visa Signature Card
vs. Discover it® Chrome

Updated: June 24, 2024

Advertising & Editorial Disclosure

Shield Insurance

MoneyGeek partners with leading industry experts and advertisers to help you get to your financial happy place. Our content is accurate when posted but offers may change over time. We may receive compensation for partner advertisements, but our editorial team independently reviews and ranks products. Learn more about our editorial policies.

Both the Amazon Prime Rewards Visa Signature Card and Discover it® Chrome offer enticing cash back rewards and waive annual fees. The Amazon Prime Rewards Card edges ahead for frequent Amazon and Whole Foods shoppers with its high unlimited 5% cash back in these categories.

However, if balance transfers are your priority, the Discover it Chrome has a 0% introductory APR offer.

While the Amazon card requires an Amazon Prime membership, its benefits are tailored for loyal customers of the retail giant.

Credit Card logo for Amazon Prime Rewards Visa Signature Card
Amazon Prime Rewards Visa Signature Card
Credit Card logo for Discover it® Chrome
Discover it® Chrome
MoneyGeek Rating
3.3/ of 5
MoneyGeek Rating
3.3/ of 5

  • Regular APR
    19.49%–27.49% variable
    18.24% - 28.24% variable
    0% APR Offer
    -
    0% for 6 months on purchases
    Intro Offer
    $50 Amazon Gift Card
    Cashback Match
    Rewards Summary
    Earn up to 5% cash back
    Earn 1%–2% cash back
    Balance Transfer Offer
    -
    0% for 18 months on balance transfers
    Balance Transfer Fee
    Either $5 or 4% of the amount of each transfer, whichever is greater
    5% of the amount of each transfer after intro fee
    Annual Fee
    $0
    $0
    Recommended Credit
    670-850 (Good to Excellent)
    670-850 (Good to Excellent)
    Penalty APR
    up to 29.99%
    None
    Not sure?

Which Card Is Better for You?

You might prefer the Amazon Prime Rewards Card if you frequently shop on Amazon or at Whole Foods and can benefit from the 5% cash back. The welcome bonus and lack of foreign transaction fees add to its appeal for travelers and international shoppers.

You might prefer the Discover it Chrome if you regularly spend on gas and dining out, with the added perk of earning 2% cash back on these purchases up to a quarterly maximum. The introductory 0% APR and unique first-year cash back match can also be particularly advantageous for new cardholders.

Head-to-Head Comparison: Card Details and Features

Evaluating APRs, fees, credit requirements, rewards and other features will help you determine which card aligns with your financial habits. For example, the Amazon Prime Rewards Card's 5% cash back could be enticing if you frequently shop on Amazon. If you spend most on dining out and fueling up, Discover it Chrome's 2% cash back in these categories might suit you better.

    discount icon

    Regular APR: Discover it Chrome

    The Discover it Chrome card offers a slightly better regular APR range, starting at 18.24%, compared to the Amazon Prime Rewards Card's starting APR of 19.49%.

    annualFee icon

    Annual Fee: Tie

    Both the Amazon Prime Rewards Card and the Discover it Chrome have no annual fee, making them equally attractive for those looking to avoid extra costs.

    lowInterestAPR icon

    Introductory 0% APRs: Discover it Chrome

    The Discover it Chrome is better for introductory 0% APRs, offering 0% for six months on purchases and 0% for 18 months on balance transfers, with a 5% fee on transfers after the introductory period. The Amazon Prime Rewards Card does not offer any introductory 0% APRs.

    coins icon

    Rewards: Amazon Prime Rewards Card

    The Amazon Prime Rewards Card is better for rewards, offering unlimited 3% back on Amazon and Whole Foods purchases and 5% back for Prime members. Discover it Chrome offers 2% back at gas stations and restaurants on up to $1,000 in combined purchases each quarter.

    rewards icon

    Welcome Offers: Discover it Chrome

    Discover it Chrome has a more valuable welcome offer with its Cashback Match for the first year, providing potentially unlimited value, compared to the Amazon Prime Rewards Card's $50 Amazon Gift Card.

    creditApproved icon

    Recommended Credit Score: Tie

    Both the Amazon Prime Rewards Card and Discover it Chrome require a good to excellent credit score for approval, making them equally accessible to consumers with higher credit scores. Each card targets a similar audience in terms of creditworthiness.

    autopay icon

    Penalties and Fees: Discover it Chrome

    Discover it Chrome is better for penalties and fees, offering no penalty APR and forgiving the first late payment fee. Both cards have no foreign transaction fees, but Discover's more lenient approach to penalties makes it the preferable choice.

    points icon

    Issuer Satisfaction: Discover it Chrome

    Discover it Chrome leads in issuer satisfaction with a rating of 4.5 for Discover Bank, compared to Chase Bank's 4.1 for the Amazon Prime Rewards Card.

    airplane icon

    Other Features & Perks: Tie

    Both cards offer unique perks that cater to different needs. The Amazon Prime Rewards Card includes benefits like travel insurance. Discover it Chrome offers free overnight card replacement and a service to help reduce personal information exposure online. Depending on your spending habits and preferences, either card could enhance your purchasing experience.

Rewards Comparison

The Amazon Prime Rewards Card leads with a more lucrative rewards program, especially for those with an Amazon Prime membership. You'll earn up to 5% back on Amazon and Whole Foods purchases, making it a standout choice for frequent shoppers of these stores. The card also provides a respectable 2% back on dining, gas and transit, rounding out its benefits for everyday use.

While the Discover it Chrome doesn't match the overall reward potential, it does offer a consistent 2% cash back at gas stations and restaurants, which can add up for those who dine out often or commute by car. Its rewards are straightforward, with no need to track rotating categories or sign up for quarterly bonuses.

The table below details the bonus categories for each card so you can compare them at a glance.

Category
Amazon Prime Rewards Card
Discover it Chrome

Amazon and Related

5% with Prime membership/3% without

1%

Restaurants

2%

2% on up to $1,000 in combined purchases each quarter

Gas Stations

2%

2% on up to $1,000 in combined purchases each quarter

Local Transit and Commuting

2%

1%

All Other Purchases

1%

1%

Redeeming Rewards

The Amazon Prime Rewards Card allows you to redeem points directly on Amazon.com or as a statement credit. Points won't expire as long as your account is active.

Discover it Chrome offers a variety of redemption options, including account credits, direct deposits and even using cash back to pay on Amazon. Like the Amazon card, your rewards with Discover it Chrome are yours indefinitely, with no expiration.

Methodology

MoneyGeek evaluates credit cards like the Amazon Prime Rewards Card and Discover it Chrome using a scoring system tailored to various use cases. For instance, the Amazon Prime Rewards Card scores highest for cash back, with a significant emphasis on the value of rewards and the cost of annual fees. The Discover it Chrome is top-rated for balance transfers, prioritizing the introductory APR on purchases and the card's regular APR.

Four key factors influence these scores: the introductory offers, the recommended credit, issuer satisfaction and penalties. For a deeper understanding of our scoring process, you can review our ranking methodology.

FAQ: Amazon Prime Rewards Card vs. Discover it Chrome

What are the cash back rewards for each card?
Do either of the cards offer a welcome bonus?
Are there any introductory APR offers with these cards?
What are the annual fees for the Amazon Prime Rewards Card and Discover it Chrome?
Can I use these cards for international purchases without extra fees?

About Doug Milnes, CFA


Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.


*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.