Amazon Prime Rewards Visa Signature Card
vs. Chase Freedom Flex® Card

Both the Amazon Prime Rewards Visa Signature Card and the Chase Freedom Flex® Card are designed to reward your spending with cash back, but they cater to different shopping preferences. If you're a frequent Amazon or Whole Foods shopper, the Amazon Prime Rewards Card, a co-branded option, is the clear winner with its high unlimited 5% cash back in these categories.

However, the Freedom Flex may offer diverse cash back rewards across multiple categories, appealing to those who spread their spending across various merchants.

You might prefer the Amazon Prime Rewards Card if you're a frequent shopper at Amazon or Whole Foods Market. With this card, you'll enjoy a high 5% cash back on purchases at those stores, provided you have an Amazon Prime membership. Additional benefits include travel and shopping protections, making it a solid choice for Amazon loyalists who want to maximize their rewards.

You might prefer the Freedom Flex if you value flexibility in earning cash back. This card offers rotating categories that allow you to earn cash back on different types of purchases throughout the year. It's also a good option if you're interested in introductory APR offers and additional protections like cell phone coverage.

Evaluating APRs, fees, credit requirements, rewards and other features clarifies which card aligns with your spending and financial profile. For example, frequent Amazon shoppers may lean towards the Amazon Prime Rewards Card for its high cash back on Amazon purchases, while those looking for diverse reward categories might consider the Freedom Flex.

The Amazon Prime Rewards Card is a standout choice for those who frequently shop at Amazon and Whole Foods, offering up to 5% cash back in these categories. It's also a clear winner for Amazon loyalists due to the higher reward rates on these purchases.

However, the Freedom Flex Card shines with its rotating bonus categories, which can potentially surpass the Amazon card's rewards in specific areas each quarter. For example, if a quarter's category is dining and you dine out often, the Freedom Flex could be more rewarding during that period. The Amazon Prime Rewards Card doesn't offer this type of rotating category bonus, making the Freedom Flex Card more adaptable for varied spending throughout the year.

Freedom Flex card users should note the rotating categories to maximize their rewards. These categories change quarterly and can include spending areas such as gas stations, grocery stores and online shopping. Stay informed about the current and upcoming bonus categories to maximize the card's potential.

The table below compares the bonus categories for both cards to help you compare the rewards programs.

The Amazon Prime Rewards Card allows for immediate redemption on Amazon.com or as a statement credit. Your points do not expire as long as your account is active.

The Freedom Flex offers a broader range of redemption choices, including cash back, gift cards and travel. Cash back rewards do not expire, and there is no minimum redemption threshold for cash back. These features provide flexibility and ease in managing rewards according to individual preferences.

MoneyGeek offers insights and reviews on credit card options using a tailored scoring system for various use cases, such as cash back and travel rewards. For this comparison, the highest-scoring use case for both the Amazon Prime Rewards Card and Freedom Flex is cash back. The most significant factors for their scores include the value of rewards and the return on investment for offers.