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,

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.