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Yea, I would put myself in that group. Most of this obviously comes down to personal spending habits. The only category that is really applicable to Amazon is t

Yea, I would put myself in that group. Most of this obviously comes down to personal spending habits. The only category that is really applicable to Amazon is the grocery category. For the purposes of the Amazon website, I would counter that the subscribe and save is often much cheaper than the store. I'm a little surprised that my original comment got downvoted that Prime + credit card makes sense if you spend $4.5k on Amazon. I don't eat meat and so my protein purchases alone through Amazon equal $500/year. People on HN I guess think that spending $4,500 per year on food and other essentials is unreasonable.

jdmichal 5y ago
Ah, I see. I misinterpreted your comment. You meant the 2% base vs the 5% with Prime. And were making a conservative calculation based on the 3% difference, even though it's not likely you could get 2% back with a different card. $139 / .03 = $4,633 I mean, this is exactly the type of math you should do to evaluate options like this. No controversy here. If you're spending more than that anyway, it makes sense to get the Prime card. Anything you spend beyond that amount is earning you more than the non-Prime card, and that's even just flat out valuing Prime at $0 and treating it as a fee.