What it really costs
The sticker fee is what the card charges. The effective annual fee is what it costs — after the statement credits you would actually use.
Answer once per credit, on both cards
Nobody uses every credit. Pick a category, see both cards side by side, and mark what you would use — the effective annual fee above recomputes against your answers, not the issuer's best case.
No tracked statement credits for Prime Visa or Costco Anywhere Visa®.
Rates normalised to cents of value per dollar spent, so different point currencies compare. Useful once you hold the card; it is not what decides whether the fee is worth paying.
| Prime Visa | Costco Anywhere Visa® | |
|---|---|---|
| Dining & restaurants | 2× Dining | 3% Restaurants |
| Flights (booked direct) | — | 3× Travel |
| Hotels (booked direct) | — | 3× Travel |
| Other travel | — | 3× Travel |
| Gas & EV charging | 2× Gas Stations | 4% Gas (including EV charging) |
| Transit & rideshare | 2× Transit / Ridesharing | — |
| Amazon & Whole Foods | 5× Amazon, Amazon Fresh, Whole Foods | — |
| Costco | — | 2% Costco purchases |
| Issuer travel portal | 5× Chase Travel bookings | — |
| Everything else | 1× Everything else | 1% All other purchases |
See the full list of every perk and unique access for your card
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No account, no bank connection, no card numbers.
Your answers above carry over — nothing to re-enter.
How we verify our data
Figures come from our card database and can lag issuer changes — always verify against the issuer's current terms.
- Solid borders: Verified issuer terms.
- Dashed borders: Estimated, pending final issuer sync.