In the terms, there are 2 separate credit-builder cards. Only one requires Prime. The one that does not require Prime is not eligible for 5% back UNLESS the car

In the terms, there are 2 separate credit-builder cards. Only one requires Prime. The one that does not require Prime is not eligible for 5% back UNLESS the cardholder also has Prime. > 4. The Amazon.com Store Card Credit Builder. The Amazon.com Store Card Credit Builder is available to customers with an Amazon.com account, subject to credit approval. [...] > 5. The Amazon Prime Store Card Credit Builder. The Amazon Prime Store Card Credit Builder, an upgrade from the Amazon.com Store Card Credit Builder, is available to customers with an Eligible Amazon Prime Membership only, subject to credit approval.