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Re:Amazon.com Credit Builder: Build credit with no annual fee by tedmiston on Monday June 10, 2019 @11:37PM (#20152852)
> You need Prime to get the 5%. Prime costs $119/year.

There are loopholes to this that make Prime much cheaper though.

For example, Prime Student [1] is $6.49/month or $59/year.

The EBT subsidized Prime membership mentioned elsewhere in the thread is $5.99/month (no annual discount).

You can also use Amazon Household [3] on an existing Prime membership to qualify multiple people in the household as Prime members. All members get the 5% benefit, not just the card holder. I doubt this stacks on the student version but it definitely does on vanilla Prime and likely on the subsidized version as well.

[1]: https://www.amazon.com/Amazon-Student/b?node=668781011

[2]: https://www.amazon.com/l/16256994011

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

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