8-year Whole Foods marketing team member checking in.
As for the pricing on the items you mentioned, most of the products are currently at the prices they were at before Jana Partners acquired a percentage of WF a few years ago. Jana raised the prices a few months before the full acquisition by Amazon and Amazon lowered those prices, only some of which are actually lower than their initial retail price. After the transition to Amazon, and with the launch of Splash 1.0 (New Lower Prices), the prices were reduced to what you see today. All of the value programs such as Buy Big Save Big, Low Price Great Quality, and 10% Case Discount we’re absorbed under the Everyday Savings (Splash 2.0) umbrella on January 1st despite the global marketing roll-out that is currently coming up.
There are a number of ways to save at Whole Foods which include the Everyday Savings items (look for orange signage), buying 365 Everyday Value products, One Day and Annual Sales, Prime promotions ($5 off of Turkeys or Double Dozen Roses), and using the Digital Coupon app.
As for the card, you get 5% cash back on Amazon, at Whole Foods and 365 stores, 2% back at restaurants, gas stations and drug stores, and 1% back at all other retailers.
Offer and details can be found here .
If you're a US resident and purchase a lot of stuff from Amazon Prime, I highly recommend their Amazon Prime Rewards Card. It offers 3% on all purchases including Amazon Coins.
The trick to maximizing your rewards is to not apply your accrued cash back balance on purchases (since it reduces your total balance applied to card thus reducing your total cash back). The best way to redeem your rewards is to direct deposit it back into your checking or savings account and to pay the full balance for each purchase with the card.
Amazon prime rewards visa signature card. They work with Chase for this Visa. If you already have prime, there is almost no reason to not get this card and set it as your default card for all purchases. Extra 5% back on everything.
5% back on purchases at Amazon and Whole Foods, 2% back at restaurants/gas stations/drug stores, 1% back on all others - and the rewards can only be applied to the card balance or Amazon purchases; it can't be added to your Chase Ultimate Rewards. More info here.
Forever (or until they change the terms I suppose), it is the specific amazon prime rewards card (not to be confused with their amazon rewards card)
Its also metal, which is kind of bad ass.
edit: you must be a prime subscriber to qualify.
Nope, it's a super quick - google Amazon Prime Rewards Signature Visa (or here's the link) - with stuff like this I wouldn't use a link some redditor sent you even though it's me sending it. I'd google to be safe.
Anyway, you fill out the application and if approved you get the ability to use your new card immediately and get 5% off on Amazon if you've got prime. Also 5% off in Whole Foods, 2% off in restaurants and other benefits. You get the physical card later but you the ability to immediately use it on Amazon if approved online.
Oh just to be clear - it's a cash back card... so you're getting 5% cash back for Amazon purchases, it's not a direct reduction on your purchase price. You still pay full price for the Vive but you'll get 5% back in cash rewards at the end of each month.
If you're making a lot of purchases off of Amazon, and you have Amazon Prime, the Amazon Prime Visa Rewards card is awesome and doesn't have an annual fee. I believe you get 5% back on Amazon and Whole Foods purchases, 2% on gas/restaurants/drugstores, and 1% back on everything else. If you don't have Prime, the regular Amazon.com rewards has 3% back on Amazon/Whole Foods purchases, and everything else is the same.
Your link is to the Amazon Platinum Mastercard, not the Amazon Prime Rewards Visa Signature Card. Perhaps the Prime Rewards card is only available to US residents, or isn't available in the UK? I don't know the answer to that.
Citi Double Cash is the flat 2% (you get 1% up front when you purchase, and the other 1% when you pay on time). My 3% is Capital One SaviorOne which has 3% on dining and entertainment. There may be better 3% cards out there with no annual fee — I would shop around just in case. The Amazon Prime card gets 5% on all Amazon purchases too in case you shop from there a lot. Good luck friend and happy personal financing.
> I could just get a free trial though, right? Regardless, when I look on Amazon it says $60 not $200, even for prime members.
If you can get prime, even through a trial, you can get the $200 sub. Also where are you looking? I just google quickly to see and I can see the $200 sub offer.
You have to apply for the black card not the blue card.
> In theory, sure, but I'm just wondering if it would be better to go SUB + cashback (regardless of which cashback card I get) instead of 2x SUB, since I won't be applying for another credit card for like a year or two.
The Chase Sapphire Preferred is also a cash back card as well. It pays out in points but can be redeemed just like a cash back card. After one year you can product change it into a Chase Freedom, Freedom Flex, or Freedom Unlimited. All three cards are useful cash back cards too.
Re-reading your post I see that you have a Discover It Miles card. Call up discover to see if you can product change that card into a regular Discover It card. Last I heard Discover is temporarily not doing product changes for some reason, but that was 2 months ago. See if you can product change that miles card into a more useful card.
Do you shop at Amazon? Then this ought to be your next card. $200 of free money, 5% Cash back and No Foreign Transaction Fee (useful when you travel to ypur home country and want to grab something at airports).
The next choice would be Chase Freedom Unlimited but make sure you get the 5% groceries offer. You might be doing a lot of grocery spend.
You could also try the Discover It Cashback. You could earn up to 10% back in the first year in rotating categories.
If Costco is your thing, then the Citi Costco card is a must have. It gets you 4% on gas, 3% on travel and dining, plus no Foreign Transaction Fee.
> I see people suggest taking loans to build credit, but I'd really like to avoid that
You could do a small $500 secured loan with a Credit Union. You might pay low interest, maybe 1 or 2%, which is like 5 or 10 dollars. It will certainly help but is not necessary.
>I recently tried to have Capital One raise the CL (online), but they declined it.
They're amongst the worst. Had a similar experience with them. They refused to convert my secured card into an unsecured one, for many years. I had unsecured credit limits totalling 30k but Crapital One refused to budge. I finally cancelled that card.
Ok, I believe that could be a negative against you. A totally unscientific test and probably not a 100% indicator, but go to the Amazon site for the Amazon Prime Visa Card by Chase. The pre-qual link is still active and see if you pre-qualify. If you are blacklisted but you have no derogatories, bankruptcies, or major flaws and you don’t qualify, I believe they could be holding that closed account against you. Again, purely speculative, but knowing I didn’t pre-qual for the Amazon and having a closed-by-creditor account in my history, I wouldn’t apply for the CSP
Edit: here’s the Amazon pre-qualify link
Lots of people will be upgrading this holiday season to get a new headset like Quest 2 or HP Reverb G2. Or others might upgrade to an Index for higher FOV, refresh, and they want finger tracking. So that could leave you a lot of options for a great second-hand midrange headset for cheap.
These are the used headsets I would be on the lookout for and what I would pay if in good to very good condition: (no particular order)
Slightly outside of budget and new, but if you have decent credit and don't have an Amazon credit card some can get a $100 bonus. So you can get a new Quest 2 64GB for ~$220 with tax. But you still need the $20 cable for a Link connection.
Different used markets vary on pricing of course, but I have bought and sold these headsets for these prices in the western US. (Craigslist, Ebay, Facebook Marketplace, etc.)
It's the Amazon Prime Visa CC. 5% if pretty good if you purchase from Amazon a lot, but that's all I would really use it for because there are better options for other things.
> Chase backs the personal Amazon card that can be used anywhere (the one that mentions 2% on dining and a few other places, either blue or black card I believe).
I see, so the Amazon Prime Rewards Visa Signature Card is actually backed by Chase. I naively thought it was "backed by" Visa. I guess the Visa in the name doesn't actually mean much?
One last question I had was why would I be approved for a "business" card when I'm just a W2 employee, and not a business owner in any sense, shape, or form?
It's specifically from Amazon, and that's where I do all my shopping including groceries, now that Amazon Fresh is included in Prime. It only gets 2% back at restaurants though. Generally, it's 1% cash back, but I rarely ever shop anywhere other than Amazon.
I heard chase doesn't do grace periods, so in other words, interest is charged the moment you charge something to it, while most cards allow you to pay the full balance before the next statement closes and not get charged interest. Source
The amazon Amazon Prime Card is 5% for all spent at Amazon (Since I have amazon prime already). Majority of my purchases will be through them, I think i will pursue your advice and check out chase card and amazon.
2% back at gas stations and drug stores, and 1% on everything else.
Plus they have all sorts of partner stores you can use your points at for additional savings.
This is by far my favorite card (although my AmEx has 6% back on groceries and 3% on gas, so that one gets used more).
Plus it's metal af.
If you do a lot of purchasing there, you're probably a Prime member. If so, and if you don't already have it, the Prime Visa credit card gives 5% back on all Amazon purchases. Very worthwhile if you do lots of shopping through Amazon (I know I do).
> Amazon doesn't have an actual credit card. What they have is more like a department store card, in that you can only use it on Amazon unlike a real credit card.
Um no. I have an Amazon Prime credit card backed by Chase. Whatever I buy I get 5% of it back to spend on Amazon. It's been so beneficial that it's the only card I use. I've had it for almost two years.
Here's a link to the card: https://www.amazon.com/Amazon-Prime-Rewards-Visa-Signature/dp/BT00LN946S
Here's where my current points are at: http://i.imgur.com/XR7C7Po.png
Just this last December I was able to basically get $500~ free money for upgrading my computer using this card. I tell everyone I know about it and recommend it. Plus they recently upgraded it so Prime members get these new cards that are metallic. Not look metallic, they are literally metal. The point though is they do have a credit card and it's fucking awesome.
FYI, this isn't the same as the Chase Visa Signature. This is issued by Synchrony, and it only offers cash back on Amazon purchases. This is the link: https://www.amazon.com/iss/credit/storecardmember
My 9-5 deals with credit cards, and I'd advise against the Synchrony, even if it gives cash back at Audible. This one is way better imo: https://www.amazon.com/Amazon-Prime-Rewards-Visa-Signature/dp/BT00LN946S
Ugh, I'm so conflicted! The 2-day prime and 0% tax turned me in to an amazon addict (though I was previously before I even moved to NM)... so this is really going to kill some of my motivation for more online purchases, but the obvious upside is that our state needs revenue wherever they can get it.
However, the big question is whether the legislature spends or invests their new revenue stream wisely (of that I continue to have doubts).
Edit to add: Amazon.com now has a 5% cash back credit card on prime purchases, so this can be a handy offset for those otherwise unaware. Link: https://www.amazon.com/gp/product/BT00LN946S?sa-no-redirect=1&pldnSite=1
[5% amazon.com - 2% restaurants/gas/drugs - 1% everything else]
FYI: I believe those of us outside of ABQ limits, but within Bernco will be taxed at 6.25%
> 1 month amazon prime free trial:
6 month amazon student prime free trial:
Helpful addon to support a charity of your choice while using amazon (amazon smile):
> Chrome plugin: https://chrome.google.com/webstore/detail/smile-always/jgpmhnmjbhgkhpbgelalfpplebgfjmbf?hl=en
wha?? amazon prime card, visa. Yesterday I would have said get it right away but now I'm not so sure.
Chase Ink Business Cash offers 5% cashback on phone services, cable, internet and office supplies.
US Bank Cash Plus allows you to pick two 5% cashback categories each quarter. The ones that stick out are cell phones and gym membership. However in April, they are swapping out book stores for utilities, which is a rare for a 5% cashback category.
Uber offers 4% restaurants, 3% of airfare and hotels, 2% for online and 1% for everything else. The thing that stands out though is if you use them for paying your cell phone, they offer $600 free phone insurance. They also offer $50 in eligible digital music, movie and shopping subscriptions if you spend $5000/year.
Ducks Unlimited offers 5% cashback on gas and sporting goods. Handy if you drive a lot.
Amazon Prime Rewards offers 5% on purchases at Amazon and Whole Foods provided you're a current prime member. Otherwise it's 3%. You can use the card to renew your prime membership.
Otherwise look into a card with unlimited 2% cashback for your digital subscriptions.
Was speaking about the Amazon Prime Rewards card specifically, it's a Chase card.
It's this card:
Yes, but the Amazon Prime Rewards Visa gives you 5%:
Both the store card and the Visa come in the 3% (non-Prime) vs 5% (Prime) flavors.
i got plenty of calls from people calling in about signing for credit cards they do not want.. which they later claimed they never did...
why they sign up anyway? because of the $$$ offer.. they just want that $50-$80 gift card or credits...
if you do not even have Amazon Prime you are not qualified for the Amazon Prime credit card.
READ THE FINE PRINT --- in a way this card does have an annual fee-- which is your prime membership ($120/year)
>Exclusively for customers with an eligible Prime membership
personally this is an easy one and instant https://www.amazon.com/Amazon-Prime-Rewards-Visa-Signature-Card/dp/BT00LN946S
No problem! For anyone else wondering, here's the actual Amazon link:
This is the Amazon link showing $200 (will open in app: https://www.amazon.com/dp/BT00LN946S/?plattr=PP1
The chase site still shows $150: https://creditcards.chase.com/cash-back-credit-cards/amazon-prime-rewards
If you open a signature card you get a $200 gift card
On Amazon. I think you have to be signed in, but on this website it should say “See if you’re pre-approved” below the Apply button
When I go to chase to apply, it tells me I’m leaving chase’s site.
It brings me to this site when I hit apply now
If I go to this site:
It makes me sign in to my already established amazon prime account, where I get the “you already applied within 30 days” message
Honestly this should be the standard reward rate. A la Target RedCard, My BestBuy Rewards Visa, C1 Walmart Rewards, Amazon Prime Rewards Visa. All places where you can buy Products (for cheaper sometimes, as well)
Ah I see. https://www.amazon.com/Amazon-Prime-Rewards-Visa-Signature-Card/dp/BT00LN946S
Looks like SUB went down to $150. Thanks.
>The name is "Amazon Prime Rewards Visa" (https://www.amazon.com/Amazon-Prime-Rewards-Visa-Signature-Card/dp/BT00LN946S)
That's the Chase card.
Your chances at the CSP are reasonable, but it's not guaranteed. Your income is high enough to have potential room for the $5K required on a CSP, but given your short history and existing limits with Chase, they might hesitate. I'd say it's better than 50% for approval.
Do note, however, that you'd need some plan for hitting the MSR, as your spending is nowhere near that requirement. This card also makes zero sense for you long-term, so plan on downgrading after a year (unless something major is changing).
>Does having a checking/savings account with chase help approval odds? I know I read this but I'm not sure if it's true or not.
Yes, it's true, and it is likely the reason you've been approved for the Amazon Prime card.
>Lastly, I know the branch manager at the chase near my house, if I applied in branch with the manager, is there any sort of advantage as opposed to applying online?
Applying in-branch will currently give you the benefit of a waived annual fee, due to a special promotion. Knowing the manager will not impact your chances of approval, underwriting is not handled in-branch.
I'm not sure what type of credit card it is, I applied for it when I signed up for Amazon Prime. The name is "Amazon Prime Rewards Visa" (https://www.amazon.com/Amazon-Prime-Rewards-Visa-Signature-Card/dp/BT00LN946S)
It should be around 27k. I start my internship in June working full time.
Amazon 5% cash back card:
I have the black one, it is a Chase card. I got the normal 5% plus an extra 5% when buying the SN550. The blue card does not give bonus rewards.
The first review and several others mention an abnormal interest calculation.
Keep in mind that you would need to qualify for a minimum $5,000 credit line since the Amazon Visa is a Signature Visa Card.
fantastic info. many thanks. As far as i can tell, they offer 3 cards. What are the differences? I have amazon prime, and will continue - I do all my shopping at wholefoods. Here are teh cards:
It depends on many factors: do you want one card with decent rewards on average, or are you willing to actively use different cards for different purchases? Do you have good credit already or are you just starting out? Do you travel? Do you travel internationally?
Here are some recommendations. I've used all of these myself, and they all have no annual fee. They also all don't have foreign transaction fees, since that's something I was specifically looking for.
Discover it Student Cash Back (link): great for starting out, they're willing to give cards to students with no credit history. High 5% cashback on rotating quarterly categories/1% everything else, and they double all the cashback you earn in the first year, making it 10% on the categories and 2% on everything else. You can also redeem cashback for gift cards worth an extra 20%, which is what I usually do. Not widely accepted outside the US though. Not gonna post a referral link here, but if you are going to apply I can PM you a link that'll get both of us $50 credit.
Amazon Prime Rewards Visa Signature (link): the main draw is 5% back at Amazon, but this requires having a Prime subscription. Without Prime it's 3% back. In either case you also get 2% on restaurants and gas stations, 1% everything else. Solid card overall, especially if you already pay for Prime (Prime Student counts too).
Uber Visa Card (link): despite the name, not that great for Uber. Great for dining (4% back) and travel (3% back). Also 2% on online purchases and 1% everything else. You also get phone insurance against damage or theft up to $600 if you pay your phone bill with this card, and $50 of credit a year to online subscription services if you spend >$5000 in that year. Overall pretty good as an "everything" card if you dine out frequently.
Another great option if you just want to have one card that's good for everything is the Citi Doublecash (link), which gives you 2% on everything. I don't have this card, but have heard good things.
The one I linked below. Note you have to be a Prime member for this one... which I'd have regardless. There is another version for non-prime, but not sure the rewards on it.
I have Prime. I've had Prime for like 10 years and had that card for 3-4 years. Never had a fee.
The only thing that changes if you cancel Prime or close your Amazon account is that you go from 5% rewards on Amazon and Whole Foods to 3%.
Here's a page from Amazon with some info: https://www.amazon.com/Amazon-Prime-Rewards-Visa-Signature-Card/dp/BT00LN946S
And here's more info about how to keep 5%: https://www.amazon.com/gp/help/customer/display.html?nodeId=202109390
That's the regular amazon card, I was asking about the prime version.
should be there
Can you please share a link to the offer? I can't seem to find it on their listing page.
It isn't scalable like that. It is a flat $70 gift card you get for signing up for the credit card.
Hey friend - sightly sidebar, but another consideration with really big amazon purchases is just using the Amazon credit card for 5% cash back. Definitely safer.
Link here: https://www.amazon.com/Amazon-Prime-Rewards-Visa-Signature-Card/dp/BT00LN946S
(P.S. just a friendly neighborhood spiderman, no affiliate link :))
Do you have Amazon Prime? If so, just get the Prime Visa. It's still 5% cash back and you get a $70 amazon gift card. No business required.
Hey man. There are a lot of credit card options out there. Creditcards.com is great for filtering and browsing different options.
You mentioned that you spend a lot on Amazon each year, so the Prime Rewards Card might be a good option for you since you're already a prime member. They offer some great rewards rates on Amazon and Whole foods at 5%, and 1 or 2% back on all other purchases. You must be careful though, because this card requires a prime membership, so if you don't plan to keep your membership in the long run, it might not be the best way to go. I think there's even a sign on bonus upon approval.
My own personal recommendation though would have to be the Discover It Card. It has no annual fees, stellar customer service, and great perks. They offer 5% cashback on rotating categories, and 1% cashback on everything else, but what makes it exceptional is the cashback match in your first year which basically brings those returns to 10% and 2% which simply cannot be beat. I use mine on Amazon a lot and it's really great because you can get the 5% cash back half the year by using paypal in the months that the higher rate is offered for it, and just using the card in the months it is offered for Amazon. I know it may be a little confusing at first, but it is pretty simple to understand after a month or so of using the card and enables you to earn the most rewards possible.
The Amazon card is probably better for you, but if you're looking for something different, then it doesn't get much better than Discover.
> Get a $70 Amazon.com Gift Card upon approval.*
Same situation as you except I use Regions. Even have capital one 360 account for CD/Money market Emergency fund.
The OP should be using a credit card instead of debit card and learn to control himself. I have an >820 credit score, pay for everything on credit card, and pay it off each month. Ive never carried a balance or paid any finance charges or interest. If I used a debit card all those years, that credit score would be 0 essentially. Credit scores reach way further than just getting loans.
Id personally recommend the Amazon credit card through Chase. If you use prime, you get 5% back at amazon and whole foods. (ortherwise 3%) I think its 2% for gas. I get back hundreds of dollars each year for doing nothing out of the ordinary. (https://www.amazon.com/Amazon-Prime-Rewards-Visa-Signature-Card/dp/BT00LN946S-not a referral link)
So to set it up, do I ask chase or amazon? And this is the card I believe I want, is this correct?
5% at amazon, 2% at restaurants, gas stations and drugstores, 1% on all other purchases.
The Prime Rewards card is a good option. No miles per se but you can rack up a good amount of points with 5x on Amazon purchases
I think you're not correct here. The card's rewards are identical to the AMEX biz card that I have, redeemed in Amazon Rewards Points which stay in the Amazon ecosystem.
I looked it up, now I know, it's under "Other information", Rewards Type. Identical to my AMEX biz card.
Here, let me google that for you