Can You Really Get FREE Prime with an Amazon Credit Card?

Can You Really Get FREE Prime with an Amazon Credit Card?

July 27, 2020         Written By Tracy Farnsworth

An Amazon Prime membership costs $119 a year. For that fee, members enjoy free shipping, access to Prime Video, and Prime Music, as well as some additional perks. If you often shop on Amazon and enjoy streaming music and movies, a Prime membership is a nice extra to have.

Currently, there are no credit cards that include Amazon Prime for free. American Express offered three free months of Amazon Prime for targeted customers during the fourth quarter of 2018 but that offer appears to have expired.

If you have an Amazon Prime membership, you can apply for the Amazon Prime Rewards Visa Signature Card or the Amazon.com Store Card. The latter can only be used for purchases made at Amazon.com, but cardholders earn 5% back and can qualify for special financing. If you accumulate enough cash back and avoid interest charges by paying your balance in full each month, you will likely earn enough to cover the $119 Prime membership fee.

Do any credit cards offer free memberships to Amazon Prime? You feel it would be a great way to save money, but is it the best way to get Amazon Prime? First, the only Amazon Prime Rewards Visa Signature Card is exclusively for Amazon Prime members. Second, it doesn’t give free membership. Instead, it’s a cashback reward credit card. It’s not different from the top cashback credit cards you’ll find with major credit card companies like American Express, Bank of America, Chase, Discover, etc.

 

Pros and Cons to the Amazon Prime Rewards Visa Signature Card

The Amazon Prime Rewards Visa Signature Card can be used anywhere. If you are already a Prime member, you can apply. If your application is approved, you get an Amazon Gift Card as a sign-up bonus. You get 1% to 3% back on your purchases, no transaction fees for foreign purchases, no annual fee, and bonus cashback from time to time on certain purchases. Cardholders also receive a few unexpected perks like travel accident insurance, insurance for baggage delays or lost luggage, and travel/emergency assistance. Purchase and extended warranty protection, roadside dispatch, and auto rental collision damage waivers are also added.

Is it the best card for an Amazon Prime membership? While you do get a gift card as a welcome gift, it’s not likely to be enough to cover your membership. Plus, the membership fee is charged yearly. You have to keep renewing your Prime membership. If you don’t, you could lose some of the cashback rewards. Amazon credit cards are issued by Chase. You’ll make your payments to Chase and credit card APRs are assigned by Chase.

 

Mastercard: No Annual Fee and Similar Cashback Offers

You may find it’s better to look for a Mastercard credit card that has no annual fee and similar cashback offers. Several credit card issuers have cashback rewards cards where you can get 5x rewards with no annual fee and 0% on purchases. Prime does give out certain e-books and digital magazines free each month. While that’s a benefit for avid readers, there are online sites like BookBub that also offer free e-books. Your local library may also offer free digital loans of books and magazines.

If you have a smart TV or streaming boxes like Roku or Chromecast, there are plenty of free apps that offer free TV shows and movies. You can also sign up for inexpensive services like Hulu, Disney+, and Netflix. Your habits are going to determine how beneficial the Amazon Prime membership is to you. If you’re not convinced it’s worth the cost, you should look into getting Prime for free or at a steep discount to try it out. These free trials are a good way to see if the membership program is right for you. It may not be. You need to place orders regularly for the free shipping to cover the cost of the membership. Amazon already offers free shipping to purchasers who spend the qualifying amount on eligible items Prime shipping may be faster, but if time isn’t of the essence, you may not care about faster shipping.

 

Is It Possible to Get an Amazon Prime Membership for Free?

If you can’t get a free Amazon Prime membership through a credit card offer, is there a way to get a membership for free? Amazon does offer free trials, but they only last 30 days for most. Amazon Prime Student offers a free trial for several months. That’s the only way to get a free membership, but there are ways you could gain extra cash to pay for a membership.

There may be one way you can get access to free amazon prime –

Do you have a website or blog? If you do, you should look into becoming an Amazon associate. Associates create sales links recommending their readers to Amazon’s merchandise. The money you make as an associate often covers the cost of the Amazon Prime membership. The affiliate revenue earned depends on what your readers buy, but it goes as high as 10% and offers a flat cash payment if your readers sign up for Amazon Prime, Audible, or gift registries. There are often special promotional rates that help you earn affiliate revenue at higher levels. Consider signing up for a grocery/shopping rebate program like Ibotta. Save the cash you get in rebates to pay for your year’s membership to Amazon Prime. Ibotta is one of several apps out there. Link it to your grocery store rewards card or scan your receipts and get money back on qualifying purchases. Also, look into Amazon’s MTurk program. Amazon pays you to complete small tasks that range from identifying objects in images to filling out a survey or questionnaire. Tasks may involve writing and researching, categorizing and identifying, transcribing or translating, and verifying information. You pick and choose the tasks you wish to complete and have no minimum or maximum quota. Let that money build up and use the cash to pay for your Amazon Prime membership.

 

What is the Best Cash Back Credit Card?

What is the best cashback credit card? Rewards cards vary, and your credit history plays a large part in what card you’ll qualify for. The better your history, the more offers you may find. Before you apply for a credit card, check your credit report and look for incorrect information and late or missing payments. You can improve your score by making Equifax, Experian, and TransUnion aware of inaccuracies.

There are two FICO score options. For people with a credit history, there’s the traditional FICO score. If you don’t have more than a savings and/or checking account, there’s the UltraFICO score that is based on your banking history.

Traditional FICO scores range from 580 or lower to 800+.

The range is:

  • 800+ – Exceptional
  • 740 to 799 – Very Good
  • 670 to 739 – Good
  • 580 to 669 – Fair
  • 579 or lower – Poor

The higher your score, the better your chances of qualifying for the best credit card rewards and APRs. A lower score doesn’t mean you won’t qualify, but the APR and benefits may not be as good.

 

What factors go into your credit score? Take a closer look-

  • 10% of your score is based on the types of credit you hold (car loans, credit cards, home equity/mortgage, student loans, etc.)
  • 10% of your score is based on the number of new credit applications you’ve submitted in the past year (don’t apply for multiple credit cards or loans keep your applications to a minimum of one or two)
  • 15% of your score is based on the length of your credit history (the longer you’ve held accounts, the better it is)
  • 30% of your score is based on the amount of debt you hold (the ideal credit utilization percentage is at 30% or lower)
  • 35% of your score is based on how many late or missed payments you have (paying before or on the due date is ideal)

Go to MyFICO’s Free FICO Score Estimator to get an idea of what your credit score range is. It’s not going to be exact, but it gives you a good idea of what range you fall into. From there, you can apply for credit cards by credit quality.

 

What types of offers will you find?

These are the card features to consider when you apply for a new credit card.

 

Some cards offer several features when you apply for a new card. You might be offered a card that provides free balance transfers and an introductory APR of 0% for a certain number of months. If you want a rewards card like Amazon and Chase’s credit card, a cashback rewards card is for you.

Instead of the Amazon Signature Reward Card, people with excellent credit could have a Platinum Rewards Mastercard and enjoy an introductory 0% APR with cashback rewards, and no annual fee. Poor credit doesn’t exclude you from cashback rewards credit cards. Apply for a debit card that gives you cashback rewards and helps you improve your credit score.

 

One More Tip:

Before you apply for a new credit card, narrow your list. If you’ve found six cards you like, see how many allow you to get pre-approved. Prequalifying requires a soft pull of your credit, which never affects your credit score. When you apply for a card, the credit card issuer does a hard pull of your credit. That does impact your credit score as it counts as a completed application. You do not want to apply for too many credit cards and cause your score to drop. If you prequalify, you don’t impact your score and can pick your top choice from the responses you get.

Just because there is no credit card with free Amazon Prime membership doesn’t mean you have to miss out. Apply for a credit card with cashback rewards and sign up for Amazon Prime on your own. You’ll enjoy the best of both worlds.

 

The information contained within this article was accurate as of July 27, 2020. For up-to-date information on any of the terms, cards or offers mentioned above, visit the issuer's website. Many of the offers on this article are from our affiliate partners, and LowCards.com may be compensated if you take action with any of our affiliate partners.

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tracy

About Tracy Farnsworth

Tracy Farnsworth went straight from a business track in high school to a full-time job in mortgage banking in Burlington, Vermont. After having children, she built a freelance career in content writing and took online classes as time allowed. She completed Social Media Marketing and Digital Marketing certificate programs with Ireland's online Shaw Academy and completed several courses in SEO and analytics. In her free time, she's the “mom” to a very clingy rat terrier, and the pair walk at least a mile every day. She's also a novice baker who is trying to master the art of sourdough bread.