Annual fee winner
Tie
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Both of these cards have no annual fee…technically. Instead, you need an Amazon Prime membership which costs $139 annually or $14.99 per month. If you suspend your subscription or cancel for any reason, you’ll miss out on those elevated rewards rates that could be helping you earn back the cost of your membership. However, if you’re already paying for a Prime membership without earning rewards from it, then you might see what’s effectively an annual fee as a moot point.
Spending at least $2,800 each year on Amazon while paying off your balance in full each month earns enough rewards on either card to cover the cost of an annual Amazon Prime membership. However, reaching and surpassing that rewards target becomes much easier when your spending outside of Amazon still earns rewards, which is only true for the Prime Visa.