> I still can't figure out how Amazon's Prime/Chase card can give me back 5% of everything I spend at Whole Foods. It's absurd. For one, it requires a $120/yr

> I still can't figure out how Amazon's Prime/Chase card can give me back 5% of everything I spend at Whole Foods. It's absurd. For one, it requires a $120/yr Prime membership to get that rate - the non-prime rate is 3% (which is seen on many cards). I have an Amex with an annual fee that gives 6% back at all grocery stores (including Whole Foods), though I also wonder how that can be profitable for them. The break even point where you earn more on the 6% card after the annual fee compared to the no-annual fee 3% card is only a little over $3000/yr (~$60/week), which isnt much even for someone single.