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A comment on Amazon.com Credit Builder: Build credit with no annual fee. Parent comment

Re:Amazon.com Credit Builder: Build credit with no annual fee by Pieman103021 on Monday June 10, 2019 @03:09PM (#20149763)
You get 5% cashback if you have Amazon prime. Assuming you are a student trying to build your credit, that's $60 a year. That means for the 5% cash back to break even you need to spend $1200 on Amazon per year. That's not obscene, but it doesn't really seem worth it to me unless you use Amazon a lot.
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Re:Amazon.com Credit Builder: Build credit with no annual fee by 09bjb on Monday June 10, 2019 @03:15PM (#20149807)
Yep, this is the kicker. They're not highlighting any other form of rewards (such as 2% cash back on everything, or airline miles) so it's not really moving the needle on anything other than the fact that it's Amazon-branded.

I see it as just another ploy to get you to spend more money in the Amazon ecosystem.

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Re:Amazon.com Credit Builder: Build credit with no annual fee by tedmiston on Monday June 10, 2019 @11:26PM (#20152822)
Because of Amazon Household [1], you do not necessarily have to hold your own Prime membership to get the 5% back. Being on a Household Prime account is enough to get the full cash back on the regular Amazon credit card, so I'd expect the same would work here. Admittedly their card marketing websites do not make this super clear.

[1]: https://www.amazon.com/myh/households

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Re:Amazon.com Credit Builder: Build credit with no annual fee by TulliusCicero on Monday June 10, 2019 @03:38PM (#20150021)
That's assuming you don't use prime for anything else, like free fast shipping, or the TV shows.
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Re:Amazon.com Credit Builder: Build credit with no annual fee by bongobongo on Monday June 10, 2019 @03:43PM (#20150069)
I let my Prime subscription expire 6 months ago and I honestly haven't even noticed. The quality of the Amazon experience had already declined so much that I had already stopped using Amazon for most of my shopping/streaming.

2-3 years ago, I was making a purchase on Amazon at least once a month. These days I only use Amazon for price-matching at other stores.

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Re:Amazon.com Credit Builder: Build credit with no annual fee by asdff on Monday June 10, 2019 @05:01PM (#20150810)
They let their store rot, I dropped prime too a while ago.
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