Amazon Prime Visa vs Blue Cash Preferred from Amex
Head-to-head comparison of every feature, fee, and perk
At a Glance
Annual Fee
No annual fee
vs
$95 (waived first year)
Base Rewards
1%
vs
1%
Sign-Up Bonus
$200
vs
$250
Editor Score
8/10
vs
8/10
Detailed Comparison
| Category wins | 5/6 | 1/6 |
| Fees & APR | ||
| Annual Fee | No annual fee★ Lowest | $95 (waived first year)✗ Highest |
| Purchase APR | 19.49% – 27.49% | 19.24% – 29.99% |
| Intro APR (Purchases) | 0% · 12 mo | |
| Intro APR (Balance Transfer) | 0% · 12 mo | |
| Foreign Txn Fee | None★ Lowest | 2.7%✗ Highest |
| Balance Transfer Fee | 5% | 3% |
| Rewards | ||
| Rewards Type | Cashback | Cashback |
| Base Rewards Rate | 1%★ Highest | 1% |
| Bonus Categories | 5% Amazon.com · 5% Whole Foods · 2% Restaurants | 6% U.S. Supermarkets · 6% Streaming · 3% Transit |
| Sign-Up Bonus | $200 value✗ Lowest | $250 value★ Highest |
| Eligibility | ||
| Credit Score | Good (670-749) | Good (670-749) |
| Network | Visa | American Express |
| At a Glance | ||
| Best For | Amazon Prime members who shop frequently on Amazon | Families spending heavily on groceries |
| Ratings | ||
| User Rating | 4.5 / 5★ Highest | 4.5 / 5 |
| Editor Score | 8 / 10★ Highest | 8 / 10 |
| Apply Now | Apply | Apply |
| Full Review | View details → | View details → |
| Pros & Cons | ||
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Our Verdict
Both target specific high-spend categories. The Prime Visa earns 5% at Amazon/Whole Foods, 3% on dining, 2% on gas/transit. The Blue Cash Preferred ($95/yr) earns 6% at US supermarkets, 6% on streaming, 3% on transit, 1% on everything else. The Prime Visa wins for Amazon shoppers (free with Prime). The BCP wins for grocery-heavy households. Best strategy: use both — BCP for groceries and streaming, Prime Visa for Amazon and dining.
It depends on your priorities — both are excellent choices
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Common Questions
Which is better: Amazon Prime Visa or Blue Cash Preferred from Amex?
It depends on your spending habits. The Amazon Prime Visa has no annual fee and earns 1% base rewards. The Blue Cash Preferred from Amex has a $95 annual fee and earns 1% base rewards. Compare their bonus categories above to see which aligns better with your spending.
What is the annual fee difference between Amazon Prime Visa and Blue Cash Preferred from Amex?
The Amazon Prime Visa has no annual fee while the Blue Cash Preferred from Amex has a $95 annual fee. The Blue Cash Preferred from Amex costs $95 more per year, so it needs to deliver that much extra value in rewards and perks to justify the difference.
Can I have both the Amazon Prime Visa and Blue Cash Preferred from Amex?
Yes, since these cards are from different issuers (Chase and American Express), you can hold both. Many people pair cards from different banks to maximize bonus category coverage across all their spending.