The Amazon Prime Rewards Visa Signature Card is best for those who frequently shop at Amazon and Whole Foods and have an Amazon Prime membership. The Wells Fargo Active Cash Card is a better choice for those seeking a simple, flat-rate rewards card with an introductory APR offer and no annual fee, but it has foreign transaction fees.
| Attribute | Amazon Prime Rewards Visa Signature Card | Wells Fargo Active Cash Card |
|---|---|---|
| Annual Fee | $0 for Amazon Prime members (Amazon Prime membership required: $139 annually or $14.99 monthly) | $0 |
| Rewards Rate on Amazon and Whole Foods Purchases | 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel purchases with an eligible Prime membership | Not available |
| Rewards Rate on Gas and Restaurant Purchases | 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare) | Not available |
| Rewards Rate on All Other Purchases | 1% back on all other purchases | Unlimited 2% cash rewards on all purchases |
| Sign-Up Bonus | $150 Amazon Gift Card upon approval for Prime members | $200 cash rewards bonus after spending $500 in purchases within the first 3 months |
| APR (Annual Percentage Rate) | 19.49% - 28.24% Variable | Introductory APR: 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. Regular APR: 19.24%, 24.24%, or 29.24% Variable APR. This APR varies based on creditworthiness and the market based on the U.S. Prime Rate. Cash Advance APR: Refer to Important Credit Terms. |
| Credit Score Requirement | Good to Excellent (670+) | Good/Excellent (typically 690 or higher) |
| Foreign Transaction Fee | None | 3% of each transaction converted to U.S. dollars |
| Balance Transfer Fee | Either 4% of the amount of each transfer or $5, whichever is greater | 3% for 120 days from account opening, then up to 5% (minimum $5) |
| Cash Advance Fee | Typically 5% of the advance amount or $10, whichever is greater | Either $10 or 5% of the amount of each advance, whichever is greater |
| Introductory APR Offer | None | 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers |
| Additional Card Benefits | Travel and purchase protection, Visa Signature benefits, Zero fraud liability, Contactless payments, Baggage delay insurance, Travel accident insurance, Roadside dispatch, Emergency assistance | Cellphone protection: Up to $600 per claim against damage or theft when paying your monthly cellphone bill with the card (up to two claims per year, minus a $25 deductible). Visa Signature benefits, including travel and emergency assistance. Access to Visa Signature Concierge. |