The interest rate is irrelevant, if you rely on it you have a lot bigger problems than ordering from Amazon. Opening the line of credit will lower your overall

The interest rate is irrelevant, if you rely on it you have a lot bigger problems than ordering from Amazon. Opening the line of credit will lower your overall credit utilization, actually helping your credit score in the long run. Let's be serious, literally no one cares about paying tax on the rewards. The new program is exactly the same as the old one. The backend card provider is changed.