I'm pretty sure I have already had my money's worth on my Prime account. Saved a bunch on ink and tech stuff I needed when I got the new computer (YAY). Figure in gas and what I would have spent running around, including meals, for Christmas shopping, and I'm good to go. My sister gets plenty of discounts or gift cards or whatever from using the Amazon credit card, but I'm finding I prefer one card, one bill to juggling rewards.