The Discover it Cash Back card is a solid choice for those who don't mind tracking and activating rotating bonus categories and want a cashback match welcome offer. The Amazon Prime Rewards Visa Signature Card is better suited for frequent Amazon shoppers who have a Prime membership and can take advantage of the high cash back rate on Amazon and Whole Foods purchases, as well as the included purchase protection and travel insurance benefits.
| Attribute | Discover it Cash Back | Amazon Prime Rewards Visa Signature Card |
|---|---|---|
| Cash Back Rewards Rate | 5% cash back on rotating quarterly categories, up to $1,500 per quarter (requires activation); 1% unlimited cash back on all other purchases. | 5% back at Amazon.com, Amazon Fresh, and Whole Foods Market (with Prime); 5% back on Chase Travel; 2% back at restaurants, gas stations, and drugstores, and on local transit/commuting; 1% back on all other purchases; Eligible Prime cardholders: 10% back or more on a rotating selection of items and categories at Amazon.com |
| Annual Fee | $0 | $0 (requires Amazon Prime membership, which costs $139 per year) |
| Introductory APR Offer | 0% intro APR for 15 months on purchases and balance transfers; A 3% intro balance transfer fee applies to transfers made by September 10, 2025. After this, the balance transfer fee can be up to 5%. | Cardmembers can choose to earn 5% back or 0% APR for 6-18 months on purchases of $50 or more |
| Regular APR | 18.24% - 27.24% Variable APR | 19.49% - 28.24% (Variable) |
| Credit Score Requirement | Good/Excellent | Good to Excellent (670-850) |
| Foreign Transaction Fees | None | None |
| Sign-Up Bonus | Unlimited Cashback Match for all new cardmembers - Discover automatically matches all the cash back earned at the end of the first year. There is no minimum spending or maximum rewards for this offer. | $100, $150 or $200 Amazon gift card upon approval (varies by offer) |
| Rewards Redemption Options | Statement credit, direct deposit, gift cards, instant eCertificates, donations, or Amazon.com purchases. | Amazon.com purchases, statement credit, electronic deposit, gift cards, or travel through Chase's travel portal. |
| Purchase Protection | Not specified in the provided sources. | Yes, covers new, eligible purchases for up to 120 days against theft or damage. Claims are limited to $500 each and up to $50,000 total per account. |
| Travel Insurance | Not specified in the provided sources. | Travel accident insurance, lost luggage reimbursement, baggage delay insurance, auto rental collision damage waiver, travel and emergency assistance. |
| Balance Transfer Fee | 3% intro fee on balances transferred by September 10, 2025; up to 5% fee for future balance transfers. | Either $5 or 4% of the amount of each transfer, whichever is greater |
| Amazon Prime Membership Requirement | Not required. Rewards can be redeemed at Amazon.com. | Yes |