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Amazon Prime Visa benefits guide

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Key takeaways

• The Prime Visa is a great card for Amazon Prime members who regularly shop on Amazon.com, at Whole Foods or Amazon Fresh.
• Additional travel benefits are available, which you may not find with other cash back credit cards
• If you don’t regularly shop at Amazon.com, Amazon and Whole Foods or aren’t a Prime member, another type of cash back card would likely be better suited.

If you’re a regular Amazon Prime shopper, having the Amazon Prime Visa card in your wallet is a no-brainer.

This card lets you earn an impressive cash back rate of 5 percent back on Amazon, Amazon Fresh and Whole Foods purchases and 2 percent back at gas stations, restaurants and on local transit and commuting — including rideshares.

Additionally, you’ll receive 5 percent back on Chase Travel purchases, choose to earn rewards or pay over time with certain purchases over $50 on Amazon and earn unlimited 1 percent cash back for all other purchases where Visa is accepted.

You’ll even get up to a $100 Amazon gift card upon approval and receive access to exclusive limited-time cardholder offers of 10 percent or more back on select items from Amazon.com.

However, this card isn’t just rewarding for online shopping. If you hit the roads and the skies as much as you shop online, you’ll love this card’s travel protections and perks, like travel accident insurance. Read on to learn more about the Amazon Prime Visa card and whether it could be the next great addition to your rewards credit card rotation.

Amazon Prime Visa card travel benefits

While the Amazon Prime Visa card is a cash back credit card at heart, it comes with more perks than most people realize. This includes a range of Amazon Prime Visa card benefits for travel, many of which are uncommon for this type of card.

Because this is a Visa credit card, a range of travel benefits are automatically included. For example, select cardholders can receive upgraded benefits at different resorts, hotels and spas with The Luxury Hotel & Resort Collection . You’ll benefit from automatic room upgrades (based on availability), complimentary Wi-Fi (where available), complimentary breakfast for two guests and early check-in and late check-out upon request (when available), among other perks.

Secondary auto rental coverage

This card comes with rental car coverage , although it works secondary to any insurance policies you already have. This coverage is good for most car rentals in the U.S. and abroad and applies to losses caused by damage or theft.

Travel accident insurance

Cardholders also get travel accident insurance when they travel by air, bus, train or cruise transportation and pay with the Amazon Prime Visa card. This protection includes accidental death or dismemberment coverage worth up to $500,000.

Lost luggage reimbursement

Lost luggage reimbursement can pay for losses when a checked bag or carry-on luggage is lost or damaged by a common carrier. This protection is good for the cardholder and their immediate family members, and it’s worth up to $3,000 per passenger.

Baggage delay insurance

Cardholders can rest easy on flights knowing that if their baggage arrives more than six hours late, they’ll receive up to $100 per day for up to three days to cover essentials like clothing and toiletries.

Travel and emergency assistance

If you need legal or medical help while away from home, you can call the card’s Benefits Administrator for travel and emergency assistance.

Roadside dispatch

You can also get help through this card when you’re in a pinch on the road, whether it’s your car or a rental car. With Visa’s Roadside Dispatch , you can call a hotline to be towed, jump start your car, get help changing your tire, access fuel delivery and more. These services aren’t free, but you’ll be glad you can count on them in case of an emergency.

No foreign transaction fees

This rewards credit card doesn’t tack on any foreign transaction fees when you use it for purchases overseas. This makes it a solid card option for international travel.

Amazon Prime Visa card consumer protections

The Amazon Prime Visa card also comes with some protections for purchases you make. These perks can help you save money or get a replacement if a product you buy with the card is damaged or stolen, or if an expensive item you purchase stops working in a set timeframe.

Purchase protection

Use your card for purchases and get protection that applies for damage or theft within 120 days. This coverage is good for up to $500 per claim and up to $50,000 per account.

Extended warranties

For items with eligible U.S. warranties that you pay for with your Prime Visa card, the extended warranty protection will extend the warranty by another year. This coverage is good for eligible items with extended manufacturer’s warranties of three years or less.

Maximizing the Amazon Prime Visa card

To make the Amazon Prime Visa card worth it for you, you’ll need an eligible Prime membership and use the card for all your Amazon.com, Amazon Fresh and Whole Foods purchases. You should also consider booking travel, such as hotels, rental cars, cruises or airfare, through Chase Travel. All will net you 5 percent cash back, which you can redeem for statement credits or more merchandise from the online retailer.

And since it’s a Visa credit card, you can also use it for any other purchases you make. You’ll even earn 2 percent back at restaurants, gas stations, local transit and commuting and 1 percent back on all other purchases when you do.

That said, you should have a plan to pay your balance in full each month if you see yourself using this card for everyday spending and bills. After all, its 20.49 percent to 29.24 percent variable APR will make carrying a balance a costly experience.

The bottom line

If you’re already an Amazon Prime member, adding the Amazon Prime Visa card to your wallet can make Amazon’s low prices an even sweeter deal. If you use Prime regularly, the welcome bonus gift card and high-earning rewards categories for Amazon.com and Whole Foods purchases can cover the cost of your membership.

This card also offers competitive rewards rates for non-Amazon purchases at gas stations, restaurants and on local transit, commuting and ridesharing. It also comes with a bevy of benefits — roadside protections, a concierge service, hotel perks and travel protections — that make it a great option for travelers.

At the end of the day, all the perks and rewards you’ll get make this card well worth it over the long run, but don’t forget to check out other options on our list of the best credit cards for shopping on Amazon .

Article sources

We use primary sources to support our work. Bankrate’s authors, reporters and editors are subject-matter experts who thoroughly fact-check editorial content to ensure the information you’re reading is accurate, timely and relevant.

“ Roadside Dispatch | Visa .” Accessed on June 4, 2024.

Amazon Prime Visa offers ample points for online shopping

Amazon Prime store card vs. Amazon Prime Visa

Is the Prime Visa Worth It?

Amazon Prime Rewards Visa Signature Card review: A role model retail card

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Amazon prime rewards visa signature card benefits guide.

Key takeaways

The Prime Visa is a great card for Amazon Prime members who regularly shop on Amazon.com, at Whole Foods or Amazon Fresh.

Additional travel benefits are available, which you may not find with other cash back credit cards

If you don't regularly shop at Amazon.com, Amazon and Whole Foods or aren't a Prime member, another type of cash back card would likely be better suited.

If you’re a regular Amazon Prime shopper, having the Amazon Prime Visa card in your wallet is a no-brainer.

This card lets you earn an impressive cash back rate of 5 percent back on Amazon, Amazon Fresh and Whole Foods purchases and 2 percent back at gas stations, restaurants and on local transit and commuting — including rideshare.

Additionally, you’ll receive 5 percent back on Chase Travel purchases, choose to earn rewards or pay over time with certain purchases over $50 on Amazon and earn unlimited 1 percent cash back for all other purchases where Visa is accepted.

You’ll even get up to a $150 Amazon gift card upon approval and receive access to exclusive limited-time cardholder offers of 10 percent or more back on select items from Amazon.com.

However, this card isn’t just rewarding for online shopping. If you hit the roads and the skies as much as you shop online, you’ll love this card’s travel protections and perks, like travel accident insurance. Read on to learn more about the Amazon Prime Visa card and whether it could be the next great addition to your rewards credit card rotation.

Amazon Prime Visa card travel benefits

While the Amazon Prime Visa card is a cash back credit card at heart, it comes with more perks than most people realize. This includes a range of Amazon Prime Visa card benefits for travel, many of which are uncommon for this type of card.

Because this is a Visa credit card, a range of travel benefits are automatically included. For example, select cardholders can receive upgraded benefits at different resorts, hotels and spas with The Luxury Hotel & Resort Collection . You’ll benefit from automatic room upgrades (based on availability), complimentary Wi-Fi (where available), complimentary breakfast for two guests and early check-in and late check-out upon request (when available), among other perks.

Secondary auto rental coverage

This card comes with rental car coverage , although it works secondary to any insurance policies you already have. This coverage is good for most car rentals in the U.S. and abroad and applies to losses caused by damage or theft.

Travel accident insurance

Cardholders also get travel accident insurance when they travel by air, bus, train or cruise transportation and pay with the Amazon Prime Visa card. This protection includes accidental death or dismemberment coverage worth up to $500,000.

Lost luggage reimbursement

Lost luggage reimbursement can pay for losses when a checked bag or carry-on luggage is lost or damaged by a common carrier. This protection is good for the cardholder and their immediate family members, and it’s worth up to $3,000 per passenger.

Baggage delay insurance

Cardholders can rest easy on flights knowing that if their baggage arrives more than six hours late, they’ll receive up to $100 per day for up to three days to cover essentials like clothing and toiletries.

Travel and emergency assistance

If you need legal or medical help while away from home, you can call the card’s Benefits Administrator for travel and emergency assistance.

Roadside dispatch

You can also get help through this card when you’re in a pinch on the road, whether it’s your car or a rental car. With Visa’s Roadside Dispatch , you can call a hotline to be towed, jump start your car, get help changing your tire, access fuel delivery and more. These services aren’t free, but you’ll be glad you can count on them in case of an emergency.

No foreign transaction fees

This rewards credit card doesn’t tack on any foreign transaction fees when you use it for purchases overseas. This makes it a solid card option for international travel.

Amazon Prime Visa card consumer protections

The Amazon Prime Visa card also comes with some protections for purchases you make. These perks can help you save money or get a replacement if a product you buy with the card is damaged or stolen, or if an expensive item you purchase stops working in a set timeframe.

Purchase protection

Use your card for purchases and get protection that applies for damage or theft within 120 days. This coverage is good for up to $500 per claim and up to $50,000 per account.

Extended warranties

For items with eligible U.S. warranties that you pay for with your Prime Visa card, the extended warranty protection will extend the warranty by another year. This coverage is good for eligible items with extended manufacturer’s warranties of three years or less.

Maximizing the Amazon Prime Visa card

To make the Amazon Prime Visa card worth it for you, you’ll need an eligible Prime membership and use the card for all your Amazon.com, Amazon Fresh and Whole Foods purchases. You should also consider booking travel, such as hotels, rental cars, cruises or airfare, through Chase Travel. All will net you 5 percent cash back, which you can redeem for statement credits or more merchandise from the online retailer.

And since it’s a Visa credit card, you can also use it for any other purchases you make. You’ll even earn 2 percent back at restaurants, gas stations, local transit and commuting and 1 percent back on all other purchases when you do.

That said, you should have a plan to pay your balance in full each month if you see yourself using this card for everyday spending and bills. After all, its 19.49 percent to 27.49 percent variable APR will make carrying a balance a costly experience.

The bottom line

If you’re already an Amazon Prime member, adding the Amazon Prime Visa card to your wallet can make Amazon’s low prices an even sweeter deal. If you use Prime regularly, the welcome bonus gift card and high-earning rewards categories for Amazon.com and Whole Foods purchases can cover the cost of your membership.

This card also offers competitive rewards rates for non-Amazon purchases at gas stations, restaurants and on local transit, commuting and ridesharing. It also comes with a bevy of benefits — roadside protections, a concierge service, hotel perks and travel protections — that make it a great option for travelers.

At the end of the day, all the perks and rewards you’ll get make this card well worth it over the long run, but don’t forget to check out other options on our list of the best credit cards for shopping on Amazon .

• How much could you save?
• How to use your rewards
• Travel perks
• Comparing the Prime Visa to other travel credit cards
• The bottom line

How the Prime Visa Card Can Help You Save on Your Next Vacation

Amazon’s Prime Visa card is more than just a retail card. Here are the perks you might not know about.

Evan Zimmer

Staff Writer

Evan Zimmer has been writing about finance for years. After graduating with a journalism degree from SUNY Oswego, he wrote credit card content for Credit Card Insider (now Money Tips) before moving to ZDNET Finance to cover credit card, banking and blockchain news. He currently works with CNET Money to bring readers the most accurate and up-to-date financial information. Otherwise, you can find him reading, rock climbing, snowboarding and enjoying the outdoors.

Courtney Johnston

Senior Editor

Courtney Johnston is a senior editor leading the CNET Money team. Passionate about financial literacy and inclusion, she has a decade of experience as a freelance journalist covering policy, financial news, real estate and investing. A New Jersey native, she graduated with an M.A. in English Literature and Professional Writing from the University of Indianapolis, where she also worked as a graduate writing instructor.

CNET staff -- not advertisers, partners or business interests -- determine how we review the products and services we cover. If you buy through our links, we may get paid.

CNET editors independently choose every product and service we cover. Though we can’t review every available financial company or offer, we strive to make comprehensive, rigorous comparisons in order to highlight the best of them. For many of these products and services, we earn a commission. The compensation we receive may impact how products and links appear on our site.

Amazon Prime Rewards Visa Signature Card benefits guide

Key takeaways.

• The Prime Visa is a great card for Amazon Prime members who regularly shop on Amazon.com, at Whole Foods or Amazon Fresh.
• Additional travel benefits are available, which you may not find with other cash back credit cards
• If you don't regularly shop at Amazon.com, Amazon and Whole Foods or aren't a Prime member, another type of cash back card would likely be better suited.

If you’re a regular Amazon Prime shopper, having the Amazon Prime Visa card in your wallet is a no-brainer.

This card lets you earn an impressive cash back rate of 5 percent back on Amazon, Amazon Fresh and Whole Foods purchases and 2 percent back at gas stations, restaurants and on local transit and commuting — including rideshare.

Additionally, you’ll receive 5 percent back on Chase Travel purchases, choose to earn rewards or pay over time with certain purchases over $50 on Amazon and earn unlimited 1 percent cash back for all other purchases where Visa is accepted.

You’ll even get up to a $150 Amazon gift card upon approval and receive access to exclusive limited-time cardholder offers of 10 percent or more back on select items from Amazon.com.

However, this card isn’t just rewarding for online shopping. If you hit the roads and the skies as much as you shop online, you’ll love this card’s travel protections and perks, like travel accident insurance. Read on to learn more about the Amazon Prime Visa card and whether it could be the next great addition to your rewards credit card rotation.

Amazon Prime Visa card travel benefits

While the Amazon Prime Visa card is a cash back credit card at heart, it comes with more perks than most people realize. This includes a range of Amazon Prime Visa card benefits for travel, many of which are uncommon for this type of card.

Because this is a Visa credit card, a range of travel benefits are automatically included. For example, select cardholders can receive upgraded benefits at different resorts, hotels and spas with The Luxury Hotel & Resort Collection . You’ll benefit from automatic room upgrades (based on availability), complimentary Wi-Fi (where available), complimentary breakfast for two guests and early check-in and late check-out upon request (when available), among other perks.

Secondary auto rental coverage

This card comes with rental car coverage , although it works secondary to any insurance policies you already have. This coverage is good for most car rentals in the U.S. and abroad and applies to losses caused by damage or theft.

Travel accident insurance

Cardholders also get travel accident insurance when they travel by air, bus, train or cruise transportation and pay with the Amazon Prime Visa card. This protection includes accidental death or dismemberment coverage worth up to $500,000.

Lost luggage reimbursement

Lost luggage reimbursement can pay for losses when a checked bag or carry-on luggage is lost or damaged by a common carrier. This protection is good for the cardholder and their immediate family members, and it’s worth up to $3,000 per passenger.

Baggage delay insurance

Cardholders can rest easy on flights knowing that if their baggage arrives more than six hours late, they’ll receive up to $100 per day for up to three days to cover essentials like clothing and toiletries.

Travel and emergency assistance

If you need legal or medical help while away from home, you can call the card’s Benefits Administrator for travel and emergency assistance.

Roadside dispatch

You can also get help through this card when you’re in a pinch on the road, whether it’s your car or a rental car. With Visa’s Roadside Dispatch , you can call a hotline to be towed, jump start your car, get help changing your tire, access fuel delivery and more. These services aren’t free, but you’ll be glad you can count on them in case of an emergency.

No foreign transaction fees

This rewards credit card doesn’t tack on any foreign transaction fees when you use it for purchases overseas. This makes it a solid card option for international travel.

Amazon Prime Visa card consumer protections

The Amazon Prime Visa card also comes with some protections for purchases you make. These perks can help you save money or get a replacement if a product you buy with the card is damaged or stolen, or if an expensive item you purchase stops working in a set timeframe.

Purchase protection

Use your card for purchases and get protection that applies for damage or theft within 120 days. This coverage is good for up to $500 per claim and up to $50,000 per account.

Extended warranties

For items with eligible U.S. warranties that you pay for with your Prime Visa card, the extended warranty protection will extend the warranty by another year. This coverage is good for eligible items with extended manufacturer’s warranties of three years or less.

Maximizing the Amazon Prime Visa card

To make the Amazon Prime Visa card worth it for you, you’ll need an eligible Prime membership and use the card for all your Amazon.com, Amazon Fresh and Whole Foods purchases. You should also consider booking travel, such as hotels, rental cars, cruises or airfare, through Chase Travel. All will net you 5 percent cash back, which you can redeem for statement credits or more merchandise from the online retailer.

And since it’s a Visa credit card, you can also use it for any other purchases you make. You’ll even earn 2 percent back at restaurants, gas stations, local transit and commuting and 1 percent back on all other purchases when you do.

That said, you should have a plan to pay your balance in full each month if you see yourself using this card for everyday spending and bills. After all, its 19.49 percent to 27.49 percent variable APR will make carrying a balance a costly experience.

The bottom line

If you’re already an Amazon Prime member, adding the Amazon Prime Visa card to your wallet can make Amazon’s low prices an even sweeter deal. If you use Prime regularly, the welcome bonus gift card and high-earning rewards categories for Amazon.com and Whole Foods purchases can cover the cost of your membership.

This card also offers competitive rewards rates for non-Amazon purchases at gas stations, restaurants and on local transit, commuting and ridesharing. It also comes with a bevy of benefits — roadside protections, a concierge service, hotel perks and travel protections — that make it a great option for travelers.

At the end of the day, all the perks and rewards you’ll get make this card well worth it over the long run, but don’t forget to check out other options on our list of the best credit cards for shopping on Amazon .

Prime Visa card review: A good choice for regular Amazon shoppers

Editor's Note

Prime visa card overview.

Amazon's Prime Visa is a solid earner, featuring a 5% return on Amazon.com, Whole Foods Market and Chase Travel℠ purchases, 2% on restaurant, gas station and commuting purchases and 1% back on everything else, making it a strong contender for those who spend big with Amazon brands. This card does not have an annual fee. We recommend a credit score of 670* or above. Card rating **: ⭐⭐⭐½

**Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer.

Most of the time, we recommend saying "no thanks" when a cashier (or online pop-up) asks if you want to sign up for a store credit card at checkout. The discount you'll get on your purchase is rarely as valuable as the sign-up bonuses other cards offer, and most store cards have disappointing earning structures.

But there are a few exceptions to that rule — and the Prime Visa is one of them.

The Prime Visa is worth considering if you spend a lot of your budget at Amazon or Whole Foods and want the best earning rate for those purchases. It earns 5% back on Amazon and Whole Foods purchases, a substantial return for a card with no annual fee.

But of course, it isn't the best card for everyone. Here's what you need to know to decide if the Prime Visa deserves a spot in your wallet.

Prime Visa pros and cons

Prime visa welcome offer.

Currently, the Prime Visa offers a $100 Amazon gift card instantly upon approval exclusively for Prime members.

Not only is this a solid welcome offer for a no-annual-fee card, but you'll receive the e-gift card instantly upon approval instead of having to meet a spending requirement to earn it.

While the Prime Visa has no annual fee, you need a Prime membership to get the card. And since this is a Chase card, you'll want to be under 5/24 to increase your chances of approval.

Related: The best credit cards for Amazon purchases

Prime Visa benefits

We usually don't expect many benefits from a card without an annual fee, but the Prime Visa has some surprising perks.

As a cardholder, you'll get extended warranty protection***, purchase protection***, travel accident insurance**** and lost or delayed baggage insurance****. Additionally, the Prime Visa doesn't charge foreign transaction fees.

It seems like we hear a new horror story of someone's lost luggage every day, so having baggage protection on top of earning bonus rewards on your purchase of Apple AirTags through Amazon is a great benefit.

With this card, you'll enjoy 10% back on a rotating selection of items and categories. Finally, cardholders usually get access to early deals during Prime Day and can earn boosted rewards during these sales events.

*** Insurance benefits are underwritten by Indemnity Insurance Company of North America ("Provider"). Coverage may not be available in all states or certain terms may be different where required by state law. To learn more, please visit https://www.chasebenefits.com/visasignatureVW1. **** Insurance benefits are underwritten by Federal Insurance Company. Coverage may not be available in all states or certain terms may be different where required by state law. To learn more, please visit https://www.chasebenefits.com/visasignatureVW1.

Related: What to do when an airline loses your luggage

Earning cash back on the Prime Visa

The Prime Visa earns 5% back on Amazon.com, Amazon Fresh, Whole Foods Market and Chase Travel purchases. It also earns 2% back at gas stations, restaurants and local commuting (including ride-hailing) and 1% on all other purchases.

No other card consistently offers this high of a return on Amazon purchases, so this earning structure is excellent for anyone who spends a large portion of their budget at Amazon and Whole Foods. If you want to stick to just one card, the additional 2% back categories are decent for everyday spending.

However, you can get higher earning rates on gas stations , restaurants , commuting and general purchases with other cards, so the Prime Visa works best as just one part of a larger card strategy.

Related: The best rewards credit cards for each bonus category

Redeeming cash back on the Prime Visa

One of the Prime Visa's best qualities is the ease of redeeming rewards. Most simply, you'll see your rewards on your Amazon checkout screen and can use them to pay for part or all of your purchases at Amazon.com.

Alternatively, you can redeem your rewards for cash back, gift cards or travel through Chase Travel. No matter which redemption option you choose, you'll get a value of one cent per point.

Other cards allow you to use your rewards to pay for your Amazon purchases, but we only recommend this route if you have the Prime Visa.

For instance, TPG values Chase Ultimate Rewards points at 2.05 cents apiece, but you'll get less than 1 cent per point if you use those points to pay for a purchase on Amazon.com. On the other hand, your Prime Visa rewards are worth the same one cent each whether you choose to use them to cover an Amazon purchase, get cash-back or book travel through Chase Travel.

Related: How to get maximum value from your Chase Ultimate Rewards

Which cards compete with the Prime Visa?

If you don't have a Prime membership or don't spend much of your budget at Amazon or Whole Foods, one of these cards may be a better choice for you:

• If you want to earn more on other online purchases: The Blue Cash Everyday® Card from American Express has no annual fee (see rates and fees ) and earns 3% cash back on U.S. online retail purchases (up to $6,000 per year in purchases, then 1%). Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. For more details, check out our full review of the Amex Blue Cash Everyday .
• If you want to earn more dining and drugstore purchases: The Chase Freedom Unlimited® has no annual fee and earns 3% on dining and drugstore purchases and 1.5% on all other purchases. For more details, check out our full review of the Freedom Unlimited .
• If you want to earn a flat rate on all your purchases: The Citi Double Cash® Card (see rates and fees ) has no annual fee and earns 2% back on all purchases (1% when you buy, 1% when you pay). For more details, check out our full review of the Citi Double Cash .

For additional options, see our list of best cash-back credit cards and best store credit cards .

Related: Store vs. cash-back credit cards: Which one should I get?

Is the Prime Visa worth it?

If you already have a Prime membership and want to earn cash-back rewards, the Prime Visa is a good card to start with or add to your existing portfolio. However, if you don't have a Prime membership or are focused on earning travel rewards , you'll probably get more value from a different card.

Related: Cash-back vs. travel rewards: How to choose a credit card

Bottom line

With an unbeatable 5% return on Amazon and Whole Foods purchases and a simple redemption system, the Prime Visa is great for those who prefer the ease of using a no-annual-fee credit card that earns cash back over earning more complex travel rewards.

But if you plan to use points and miles for your next big trip, you'll want to use a card that earns travel rewards points on your Amazon purchases instead. No matter which route you choose, you can't go wrong with a card that earns rewards every time you click "Buy now" in your Amazon shopping cart.

Apply here: Prime Visa

For rates and fees of the Blue Cash Preferred card, click here .

*The Points Guy credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. If you apply for a credit card, the lender may use a different credit score when considering your application for credit.

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Payments and Cards

Chase and amazon announce new benefits and features on the amazon visa card portfolio.

New cardmembers are eligible for a limited time offer to earn 5% back (Prime members) and 3% back (non-Prime members) on all purchases for three months

WILMINGTON, DEL. – May 1, 2023 – Today, Chase and Amazon announced new benefits and features on the Amazon Visa card portfolio, providing cardmembers with increased opportunity to earn cash back on purchases made with their card and a newly added feature to earn and redeem their rewards daily. The credit cards also feature new names—Prime Visa and Amazon Visa—and updated designs.

Prime Visa and Amazon Visa cardmembers can now earn 5% back and 3% back, respectively, on purchases made through Chase Travel, Chase’s new and enhanced travel booking platform. Both Prime Visa and Amazon Visa cardmembers can also now earn 2% back on local transit and commuting, including rideshare. Additionally, cardmembers are able to earn, view, and redeem rewards earned on their card daily, rather than monthly, with the introduction of daily rewards. Prime Visa cardmembers will continue to earn uncapped 5% back on Amazon purchases—on top of the savings, convenience, and entertainment that comes with Prime in one, single membership—while Amazon Visa cardmembers will receive 3% back on Amazon purchases.

“The addition of travel-based earn opportunities on the cards and ability to now redeem rewards points earned on purchases as soon as the next day means we’re providing even more value to our cardmembers, faster,” said William Mahoney, General Manager of Amazon Visa cards at Chase.

To celebrate the new benefits, for a limited time, new Prime Visa cardmembers will receive a $150 Amazon gift card and can earn 5% back on all purchases, up to $2,500, for three months after account opening. New Amazon Visa cardmembers will receive a $60 Amazon gift card and can earn 3% back on all purchases, up to $1,500, for three months after account opening.

“We’re excited to offer cardmembers—whether Prime members or not—even more ways to earn rewards for their Amazon purchases and every day activities,” said Tyler Aldrich, director of Amazon Payment Products. “We’re committed to providing customers value during their shopping experience, and we look forward to introducing more ways for customers to save and earn on Amazon.”

Customers interested in a Prime membership can sign up for a free 30-day trial at amazon.com/prime , and can earn rewards on either the Prime Visa or Amazon Visa during the Prime trial membership period.

A full list of Prime Visa and Amazon Visa benefits include:

Prime Visa (Formerly the Amazon Prime Rewards Visa Signature Card)

• NEW: 5% back on purchases made through Chase Travel, with an eligible Prime membership
• NEW: 2% back on local transit and commuting, including rideshare
• 5% back at Amazon and Whole Foods Market, with an eligible Prime membership
• 2% back at restaurants and at gas stations
• 1% back on all other purchases
• No annual fee
• No foreign transaction fees
• Auto Rental Collision Damage Waiver
• Baggage Delay Insurance
• Lost Luggage Reimbursement
• Roadside Dispatch
• Travel Accident Insurance
• Travel and Emergency Assistance
• Extended Warranty Protection
• Purchase Protection

Amazon Visa (Formerly the Amazon Rewards Visa Signature Card)

• NEW: 3% back on purchases made through Chase Travel
• 3% back at Amazon and Whole Foods Market
• Same protection benefits and services as the Prime Visa, noted above.

For more information on the welcome offer, as well as the Amazon Visa or Prime Visa, please visit Amazon.com/PrimeVisa .

About Chase

Chase is the U.S. consumer and commercial banking business of JPMorgan Chase & Co. (NYSE: JPM), a leading financial services firm based in the United States with assets of $3.7 trillion and operations worldwide. Chase serves nearly 80 million consumers and 5.7 million small businesses, with a broad range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. Customers can choose how and where they want to bank: More than 4,700 branches in 48 states and the District of Columbia, 16,000 ATMs, mobile, online and by phone. For more information, go to chase.com.

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Amazon Cards to Add Bonus Rewards on Chase Travel, Transit

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Changes are coming to the rewards structures on both the Prime Visa and the Amazon Rewards Visa Card, effective May 1, 2023.

Holders of the Prime Rewards card will now earn cash back in two more categories:

5% cash back on purchases made through the Chase Travel portal.

2% back on local transit and commuting , including rideshares. 

But the card is ditching its 2% rate at drugstores, meaning purchases there will earn just 1% back. Otherwise, the rest of its rewards structure will remain the same:

5% back at Amazon.com and Whole Foods Market.

2% back at restaurants and gas stations.

1% back on all other purchases.

» MORE: Amazon credit cards: What are your options, and which is right for you?

The Prime Visa will retain its annual fee of $0 , but you'll still need an Amazon Prime membership to get it. Membership costs $139 a year.

The Amazon Rewards Visa Card, which you can get without a Prime membership, is also getting an update to its rewards structure. Cardholders will now earn:

3% back on purchases made through the Chase Travel portal. 

2% back on local transit and commuting, including rideshares . 

This version of the card, too, is nixing its 2% rate at drugstores, but as with the Prime version of the card, Rewards Visa cardholders will continue to earn 2% back at restaurants and gas stations, plus 1% back on everything else. Its $0 annual fee will also remain unchanged.

» MORE: Best credit cards to use at Amazon

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The information for the Amazon Rewards Visa Signature Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Amazon Visa Credit Card

Get rewarded for your Amazon and other everyday purchases with no annual fee.

Credit Needed

Good/Excellent

Rewards Rate

3% Cash back at Amazon.com and Whole Foods Market

You get the card’s welcome offer instantly with no spending requirement.

There is no annual fee or foreign transaction fee.

The Amazon Visa card has benefits including an auto rental collision damage waiver, travel accident insurance, roadside dispatch, extended warranty protection and purchase protection.

Without a Prime membership, you miss out on higher rewards and promotional rewards bonuses.

You won’t earn rewards on interest-free financing purchases.

A penalty APR may apply indefinitely if you miss a payment.

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Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

Amazon Visa Credit Card Summary

The Amazon Visa offers rewards on everyday purchases, including Amazon.com, Amazon Fresh, Whole Foods Market, dining, transit and at U.S. gas stations, all with no annual fee. Plus, you earn more when you book travel through Chase Travel. Redeem rewards on Amazon.com or for cash back, gift cards or travel. While the Amazon Visa doesn’t earn the top-tier rewards the Prime Visa Credit Card does, it’s a good option if you want Amazon rewards but don’t want to splurge for a Prime membership.

• Rates and Fees
• Highlights from Issuer
• Issuer Name Chase
• Credit Needed Good/Excellent
• Annual Fee $0
• Regular APR 18.99% - 26.99% Variable APR
• Penalty APR None
• Balance Transfer Fee $5 or 5% of the amount of each transfer, whichever is greater
• Cash Advance Fee Either $5 or 4% of the amount of each transaction, whichever is greater

Is the Amazon Visa Credit Card Right for Me?

Yes, if you:

• Frequently shop on Amazon.com or at Whole Foods Market.
• Don’t have an Amazon Prime account.
• Want to earn cash back on everyday purchases with no annual fee.

Tips for Using the Amazon Visa Credit Card

The Amazon Visa card earns the most rewards when used for Amazon or Whole Foods purchases, so it’s a good idea to use this card when you shop on Amazon or in any other categories that offer elevated rewards. If you don’t shop on Amazon enough to redeem your rewards for Amazon purchases, you can get cash back, gift cards or travel at Chase.com instead.

Editor's Take

The Amazon Visa is a solid choice for earning points with no annual fee for those who shop on Amazon.com or at Whole Foods Market. It’s icing on the cake if you want to earn 3% back on Chase Travel and 2% back on other everyday purchases, including gas, dining and transit. But this card’s earning power isn’t as attractive as the Prime Visa version of the card that’s designed for Amazon Prime members.

Current Welcome Offers 

If you are approved for the Amazon Visa Card, you’ll automatically get a $50 Amazon gift card.

How to Maximize Rewards With Amazon Visa Credit Card

Using your card on Amazon.com and at Whole Foods Market is the easiest way to maximize rewards with the Amazon Visa, as both categories earn 3% back. The card also earns an unlimited 3% back on Chase Travel purchases and 2% back on dining, local transit and commuting, including rideshare, and at U.S. gas stations. All other purchases earn 1% back.

You can redeem rewards for purchases on Amazon.com as soon as the next day. Alternatively, you can redeem rewards when logging into your Chase account. Chase rewards redemption options include cash back, gift cards and Chase Travel. Amazon Visa rewards are not transferable.

Comparing the Amazon Visa Credit Card With Other Credit Cards

The information for the Bank of America® Customized Cash Rewards Credit Card and the U.S. Bank Cash+ Visa Signature Card have been collected independently by U.S. News and the cards are not currently available on the site. The information has not been reviewed or provided by the card issuers and it is accurate as of the date posted.

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Amazon Rewards & Prime Visa Card Review – Everything You Need To Know

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Table of Contents

The amazon rewards & prime visa cards at a glance, amazon rewards & how the program works, additional benefits & perks of the amazon visa signature cards, how to apply, additional amazon card options, alternative rewards credit cards, card login & online account management, final thoughts.

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It seems like every store has it’s own credit card nowadays, including Amazon. But is the Amazon Rewards Visa Signature card right for you? And if so, is it worth it?

From card benefits and program basics to fees, drawbacks, and more, we’re outlining everything you need to know in this in-depth review.

There is currently only 1 Amazon-branded Visa Signature Card by Chase — Prime Visa card. The Amazon Signature card is no longer open to new applicants .

As you can see, the main difference between these cards is in the benefits. Prime members get an extra bump up to 5% back at Amazon.com and Whole Foods, which is a nice little bonus if you’re already paying a yearly Prime Membership fee (not to be confused with the annual credit card fee, which neither of these cards has).

Hot Tip:  A great aspect of the 3% and 5% rewards benefit on Amazon & Whole Foods purchases? It’s UNLIMITED — as opposed to other cards that may cap benefits at a certain spending level. 

You may have noticed that the Amazon Rewards Visa Signature & Prime Visa cards don’t use the verbiage “cash-back” when listing their benefits.

This is because technically, cardholders are not earning cash-back.  Instead, this program uses the term “percent-back.”

By making an eligible purchase, the cardholder is earning percent-back rewards, which are then converted to points before being issued to the customer.

Earning Your Rewards/Points

Thinking of your return in terms of earning percent-back rewards converted to points can get confusing. To simplify things, we’ll say each $1 of eligible purchases made with an Amazon Visa Signature Card equals a specific number of points.

This number of points is essentially based on where you’re spending your money.

For example, if you spent $200 at Whole Foods, you’d earn 1,000 points if you used your Prime Visa card, or 600 points if it was on the standard Amazon Rewards Visa.

Your $50 fill-up at the tank would earn you 150 points regardless of which card you used, and that $20 you spent at the movies to catch the latest blockbuster would earn you 20 points.

If you want to get nitty-gritty, the benefit earnings breakdown is as follows:

• 5% back = $0.05 in percent-back rewards, which equals 5 points per $1 spent
• 3% back = $0.03 in percent-back rewards,  which equals 3 points per $1 spent
• 2% back = $0.02 in percent-back rewards, which equals 2 points per $1 spent
• 1% back = $0.01 in percent-back rewards, which equals 1 points per $1 spent

Hot Tip:  It’s important to note that the percent-back does NOT apply to purchases from merchants using Amazon Pay, purchases made on international Amazon retail sites (e.g. Amazon.ca, Amazon.co.uk, etc.), or international Whole Foods purchases. — Additionally, terms and conditions state percent-back is not earned via any other website operated by Amazon, i.e. Zappos, Audible, etc. — Also excluded are purchases of Whole Foods classes, tickets, or services through third-party sites like Eventbrite, Instacart, Google Express, Shipt, etc.

A Quick Note on Standard vs. Prime Account Benefits

Be careful if you’re someone who switches or uses multiple Amazon accounts regularly. In the terms & conditions associated with these cards and their respective benefits, Amazon states the following:

“If you switch Amazon.com accounts, use multiple Amazon.com accounts, or your card account is loaded into multiple Amazon.com accounts, then your card account may not automatically earn 5% Back and may instead earn 3% Back. In such cases, you will need to confirm your card account number and select your card account on that Amazon.com account with eligible Prime membership in order to earn 5% Back.”

Special Promotions

The Amazon Visa Signature Cards intermittently offer cardholders ways to earn bonus points through the program or special promotions.

For example, last summer some cardholders received a targeted offer for a 10% bonus on earned points.

Redeeming Your Rewards/Points

Once points have been accrued, cardholders can utilize them in a number of ways:

• 🛍 Redeem for eligible purchases at Amazon.com
• 💵 Redeem for cash (starting at 2,000 points)
• ✈ Redeem for travel rewards
• ✌ Redeem for gift cards
• 💼 Redeem for products/services

Redeeming on Amazon.com

A lot of cardholders redeem their points in this way, and it’s widely advertised as one of the card’s biggest perks. While it’s certainly convenient, it’s not technically the best way to maximize your points.

However, let’s look at how to redeem for Amazon purchases if you choose to do so.

When redeeming at Amazon.com, every 100 points in your account = $1. At checkout, Amazon gives you an easy option to utilize your rewards points. You’ll see the total in your account, how much it equates to in cash, and have the ability to use that balance (or a portion of your balance) to apply to your purchase.

Simply select your preferred option, then complete check-out as usual.

Why Isn’t This the Best Way to Maximize Points?

Because using your Amazon Rewards credit card on Amazon is where you reap the most benefits (remember that 5% back)! When you use your points, Amazon’s not giving you 5% back on that part of your purchase .

Let’s look at an example. Say you’re buying a new Kindle Paperwhite for $80, and you’re a Prime Visa card holder.

Option 1: Use only rewards points

• By using 8,000 points, you’re basically getting your Kindle for free.
• That’s definitely great, but since you used points instead of using your credit card, you’re not earning that coveted 5% back from Amazon.

Option 2:  Use part points, part card

• By using 4,000 points and putting $40 on your card, you’re getting half the Kindle for free and earning 5x points on the other half = 200 points.
• This seems like a pretty good balance…but again, it’s not technically the best way to maximize points.

Option 3:  Use only your Prime Visa Card

• By putting the full $80 on your card, you’re earning 5x points on the entire purchase, or 400 points.
• With this specific program, once you reach 2,000 points, you can redeem them for statement credit or direct deposit them into your bank account at a value of 1 cent per point.
• If you were to convert this 8,400 points into a statement credit, it would equal $84. Meanwhile, your Kindle was only $76 (including the 5% discount).

Okay, okay…is saving $4 really worth it? Maybe not for just 1 transaction — but if you figure the number of transactions you make per year on Amazon, this strategy could add up. Especially since you probably got this card because you spend a lot on Amazon to begin with!

Redeeming for Cash

As we mentioned above, redeeming your points for “cash-back” is technically the best way to maximize your Amazon card. If you’d like to redeem your points for cash, the program gives you 2 options:

• Receive money back in the form of an account statement credit
• Receive money back in the form of an electronic deposit into an eligible checking/savings account

Either option may be enacted once you reach a minimum of 2,000 points in your account.

This is the best way to maximize your points as you’re utilizing your credit card to its full potential when you place purchases on it earning you 1%, 2%, or 3%/5% back. Using your points to redeem for items on Amazon.com would mean you’re not earning rewards on that purchase.

Redeem for Gift Cards

The program also allows cardholders to redeem their points for gift cards. In this case, 2,500 points are worth $25 in gift cards.

This appears to be the same return rate as opting for cash-back, so there’s not currently an incentive here to choose gift cards over cash-back. 

Redeem for Travel Rewards

In terms of redeeming your points for travel rewards, the program states you can choose from flights, hotels, cruises, car rentals, and more. When cardholders log into their account, click through to the rewards link, and then visit the travel section, they’re presented with a phone number to contact a Chase Travel Advisor.

While Chase doesn’t elaborate on these redemption options, it does not appear that the Amazon Rewards Visa Signature Program points and Chase Ultimate Rewards are linked.

A Note on Rewards/Points Expiration

Amazon’s current terms and conditions state that as long as a cardholder’s account remains open, their points won’t expire. However, if the account status changes or if it is closed for misuse, fraudulent activity, failure to pay, bankruptcy, etc., the cardholder will immediately forfeit all their points.

A Common Question

“Is it worth signing up for Amazon Prime to get the Prime Visa Card that comes with 5% vs. 3% back?” 

The answer? It depends.

Technically, the Amazon Prime card doesn’t have an annual fee, but you’re required to have an Amazon Prime membership (a $99 fee annually) to be approved for the card.

Strictly from a percent-back perspective, the math works out   to a spending threshold of roughly ~$5,000 at Amazon and/or Whole Foods before you start reaping benefits that outweigh the $99 Prime membership fee.

So if you’re spending more than $5,000 annually on the card, then yes it’s worth it to upgrade. Otherwise, you’re better off utilizing the standard card with 3% back and no annual prime membership.

However, Amazon Prime comes with much more than just a 5% back benefit, which the math above doesn’t consider.  Other money-saving perks include:

• 📦 Free Prime shipping on tons of items
• 🎬 Millions of movies and shows with Prime Video
• 🎧 Free streaming for millions of songs and albums
• 📖 Free Kindle e-books
• 📸 Unlimited photo storage
• 🙌 And more…

So if you’re utilizing a lot of these options as well, the math above works out differently.  For example, if you watch just 1 Prime movie a month that otherwise would have cost you $5, you’re saving $60 over the course of a year.

The above math also doesn’t take into account the $70 vs. $50 you’ll get back in Amazon Gift Card credit when you’re approved for the Prime card over the standard card. That additional $20 essentially cuts the membership fee down to $80.

Bottom Line:  If you’re likely to utilize additional benefits of Amazon Prime and generally spend a decent amount on Amazon throughout the year, then signing up for the Prime Visa Card and it’s 5% back option is likely worth it. Especially if you also regularly shop at Whole Foods! — If you don’t already have Prime, you don’t think you’ll utilize any of the extra perks, and you aren’t likely to spend over $5,000 on Amazon in a year, don’t sign up for Amazon Prime just to get the extra percent-back. Go with the standard Amazon Rewards Visa Signature Card and its 3% back.

In addition to the main benefits above, each of the Amazon cards comes with some added perks.

• No foreign transaction fees
• Roadside dispatch
• Auto rental collision damage waiver
• Purchase protection
• Extended warranty protection

Travel-related perks:

• Travel & emergency assistance
• Lost luggage reimbursement (up to $3,000 per passenger)
• Baggage delay insurance (up to $100/day x 3 days)
• Travel accident insurance

Visa Signature Luxury Hotel perks:

• Room upgrades
• VIP guest status
• Exclusive benefits

Even more perks:

• Complimentary Visa Signature Concierge Service available 24/7

For more details related to these additional benefits, you can visit Amazon’s explanation of benefits page or read our review on Amazon Prime Visa Card benefits .

You’ll be asked to sign in to your Amazon account before proceeding. Once you’re signed in, just fill out a few quick forms and submit. You may be approved instantly, or you may receive a message stating they need more time to review your application.

Among other fine print terms, the program points out that the following qualifications are important:

• Applicants must be a U.S. resident
• Applicants must have a U.S. Social Security Number (SSN) or U.S. Individual Taxpayer Identification Number (ITIN)
• Applicants must be at least 18 years old (19 in AL and NE)

Credit Score

In general, the consensus across many credit card review sites is that a “good” credit score is needed to secure either of these cards. However, each application is reviewed on an individual basis, and reports of approval have been verified from customers with credit scores in the mid-600s .

Amazon also offers a “store card.” As with the Visa cards, there are 2: one for standard Amazon customers and one for Prime members.

Amazon/Prime Store Cards (by Synchrony Bank) at a Glance

As this is a “store card,” it can only be used at Amazon.com — a major drawback for consumers who need a credit card for everyday purchases outside of Amazon.

The main benefit of this card is the special financing, which you may also see advertised as “0% Purchase APR for 6-24 months.” Plus, if you’re a Prime member, you’re granted the additional 5% back.

The breakdown for special financing as follows:

• 6-month special financing on any purchase totaling $149+
• 12-month special financing on any purchase totaling $599+
• 24-month special financing on select Amazon-sold items

Word to the Wise

One thing to note with special financing: it is defined as “no interest if paid in full within…” This means that if you pay off your balance in full by the end of the allotted time period, you’ve succeeded in stretching out your payments with 0% APR .

However, if you don’t, “deferred interest” is applied. Deferred interest means the full standard APR (27.24% variable) will be charged to your account for  every month back to the purchase date . This can be a financial nightmare, especially for big-ticket items.

Additional Comments

In terms of application, all consumers apply initially for the Amazon Store Card. If you’re approved and noted to have an eligible Amazon Prime membership, you’ll automatically be upgraded to the Amazon Prime Store Card.

Lastly, at the time of writing this article, Amazon was offering a $40 gift card as a sign-up bonus. This Amazon.com virtual gift card is applied to the customer’s account upon card approval.

Unsurprisingly, the Amazon credit cards mentioned above aren’t the only options that you have! Consider these other travel rewards cards that we really like:

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.

The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.

• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
• Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
• No annual fee
• 3% foreign transaction fees in U.S. dollars
• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex ® card
• Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
• Member FDIC
• APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
• Foreign Transaction Fees:  None

Chase Ultimate Rewards

If you have a Chase credit card with an annual fee, such as the Chase Sapphire Preferred ® Card , then you can convert your cash-back into Ultimate Rewards points which are incredibly valuable.

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status
• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• APR: 21.49%-28.49% Variable

Bonus: Purchase Amazon.com gift cards from office stores using the Ink Business Preferred  and you’ll get 3pts/$1 spent.

As Chase Ultimate Rewards can be used for amazing travels,  this card is great for those wanting to not only get rewarded for spending at Amazon, but also for a multitude of other business purchases.

For information on other alternative cards, check out our piece on The 10+ Best Credit Cards for Amazon.com Purchases .

Since the Amazon Visa Signature cards are offered through Chase, cardholders can log in to their Chase online portal  to manage their account.

This portal offers the ability to:

• View your statement
• Pay your bill
• Monitor your account activity
• Enroll in paperless statements
• Set up alerts
• View exclusive offers

All in all, the Amazon and Prime Visa cards are rated quite well across trustworthy credit card review sites.

The percent-back benefits in a number of categories and bonuses in areas other cards can’t account for make these cards pretty good options. Since they require a “good” credit score to be approved, chances are most individuals utilizing them are responsible cardholders who won’t have to deal with the high APR or other added fees.

What do we think?

If you’re already a Prime member, it’s kind of a no-brainer to grab the card. Just remember that to truly maximize your returns, you’re better off redeeming your points for a statement credit or cash-back than directly for products on Amazon.

However, you might be a points and miles junkie who already has a system in place to maximize your spending through another travel rewards credit card. In this case, you may want to stick with a card that gives you a better option to utilize your hard-earned points for travel purposes.

The information regarding the Amazon Rewards Visa Signature Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Related Posts

UP's Bonus Valuation

This bonus value is an estimated valuation  calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

$100 Amazon Gift Card * Opens offer details overlay

5% back at Amazon.com and on Chase Travel purchases * Opens offer details overlay

2% back at gas stations, restaurants, and on local transit * Opens offer details overlay

New cardmember offer

Prime members, get a $100 amazon gift card.

instantly loaded into your Amazon account's Gift Card Balance upon approval of your credit card application. * Opens offer details overlay

At a glance

Rewards everywhere you shop with no annual credit card fee † opens pricing and terms in new window.

Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% back on all other purchases. * Opens offer details overlay

Interest Rate

20.49 Min. of (8.50+11.99) and 29.99 %– 29.24 Min. of (8.50+20.74) and 29.99 % variable APR † Opens pricing and terms in new window

$0 † Opens pricing and terms in new window

Rewards & Benefits

New cardmember offer, $100 amazon gift card.

Prime members, get a $100 Amazon Gift Card instantly loaded into your Amazon account's Gift Card Balance upon approval of your credit card application. * Opens offer details overlay

Earn Rewards

Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership. * Opens offer details overlay

Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare). * Opens offer details overlay

Earn unlimited 1% back on all other purchases. * Opens offer details overlay

Prime Card Bonus

Eligible Prime cardmembers earn 10% back or more on a rotating selection of items and categories on Amazon.com. Limited-time offers. * Opens offer details overlay

No Annual Fee

No annual credit card fee † opens pricing and terms in new window.

You won't have to pay an annual credit card fee † Opens pricing and terms in new window for all the great features that come with your Prime Visa.

Explore Additional Card Rewards & Benefits

Redeem for millions of items at amazon.com opens drawer that reveals additional content.

Redeem your points as soon as the next day with daily rewards.

You'll see your rewards balance during checkout at Amazon.com. Use your rewards to pay for part or all of your purchase. There's no minimum rewards balance to redeem. * Opens offer details overlay

You can also redeem for cash back, gift cards, and travel at Chase.com.

No foreign transaction fees † Refer to Pricing and Terms Opens drawer that reveals additional content

You will pay no foreign transaction fees when you use your card for purchases made outside the United States. † Opens pricing and terms in new window

Travel & Purchase Protection Opens drawer that reveals additional content

You're covered with built-in benefits

Extended Warranty Protection

Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less. ** Same page link to disclaimer

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account. ** Same page link to disclaimer

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days. ** Same page link to disclaimer

Zero Liability Protection

Zero Liability means you won't be held responsible for unauthorized charges made with your card or account information. * Opens offer details overlay

Travel Accident Insurance

When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $500,000. ** Same page link to disclaimer

Lost Luggage Reimbursement

If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger. ** Same page link to disclaimer

Auto Rental Collision Damage Waiver

Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance. ** Same page link to disclaimer

** Same page link to disclaimer reference These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.

Contactless - Just Tap To Pay Opens drawer that reveals additional content

For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol. For more information, please see www.chase.com/contactless Opens in a new window .

Not a Prime member?

Unlimited 3% back at Amazon.com, Amazon Fresh, and Whole Foods Market

Get a $50 Amazon Gift Card instantly upon approval

Refer Friends if you already have a Prime Visa!

Earn up to $500 in Amazon Gift Cards per year. You can earn a $50 Amazon Gift Card for each friend who is approved for the Amazon Visa or Prime Visa. Click the button below to start referring.

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Offer details, offers may vary depending on where you apply, for example online or in a branch, and can change over time. to take advantage of this particular offer now, apply through the method provided in this advertisement. review offer details before you apply..

Amazon.com Gift Cards: This credit card is available to you if you do not currently have an Amazon Visa or Prime Visa credit card. Upon approval of your application, the Gift Card will be loaded into your Amazon.com account, as long as you have not closed your account. The Amazon.com Gift Card is only awarded to new cardmembers and at the time of card approval. If you were referred by a cardmember for either the Amazon Visa or Prime Visa credit card and approved, the person who referred you may be eligible to receive a referral bonus. The Gift Card cannot be used for other gift card purchases. Amazon.com Gift Cards are issued by ACI Gift Cards, Inc., a Washington Company. See www.amazon.com/gc-legal for complete terms and conditions.

Instant Decision: If you respond via the Internet, the majority of applications are responded to in less than 15 seconds. Your actual response time may vary depending on the Internet connection and volume of submitted requests. We may not be able to give you an immediate answer in every instance.

Earning Points: Rewards Program Agreement: For more information about the Amazon card rewards program, view the latest Rewards Program Agreement (PDF) Opens in a new window . We will mail your Rewards Program Agreement once your account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.com Opens in a new window . The terms of the Rewards Program Agreement apply to the 5% back and 3% back earned at Amazon.com, Whole Foods Market, including any physical Whole Foods Market locations in the United States and the website accessible at wholefoodsmarket.com and the participating Amazon stores and sites operated by Amazon’s affiliates listed at amazon.com/primevisa/benefits and amazon.com/amazonvisa/benefits , and through Chase Travel. % back and Points: “% back rewards” are the rewards you earn under the program. % back rewards are tracked as points and each $1 in % back rewards earned is equal to 100 points. You may simply see “% back” in marketing materials when referring to the rewards you earn. Eligible Prime memberships only apply to Amazon.com accounts (and not accounts on any other affiliated websites outside the U.S.) and may include, in Amazon’s sole discretion: annual and monthly Amazon Prime subscriptions and members of their Amazon Household (excluding Amazon Prime Video and invited guests of an Amazon Prime account), Amazon Prime Fresh, Amazon Family, Amazon Prime Student and trial memberships of Amazon Prime. Whether a purchase earns 5% back or 3% back, as described below, is determined at the time your eligible Amazon.com, Whole Foods Market or the participating Amazon stores and sites, or Chase Travel purchase is made. How you can earn points: You’ll earn points on purchases of products and services, minus returns or refunds, made with a Prime Visa or Amazon Visa credit card by you or an authorized user of the card account. Buying products and services with your card account, in most cases, will count as a purchase; however, the following types of transactions won’t count and won’t earn points: transactions on Amazon.com to which you choose to apply a promotional financing offer, balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 5% back or 3% back at Amazon.com, Whole Foods Markets and the participating Amazon stores and sites: You’ll earn 5% back with an eligible Prime membership or 3% back without an eligible Prime membership for each $1 of eligible purchases made using your card account at Amazon.com (including digital downloads, Amazon.com Gift Cards, Amazon Fresh orders, Amazon Prime subscriptions, and items sold by third-party merchants through Amazon.com’s marketplace), Whole Foods Market, including any physical Whole Foods Market locations in the United States and the website accessible at wholefoodsmarket.com and the participating Amazon stores and sites listed at amazon.com/primevisa/benefits and amazon.com/amazonvisa/benefits . 5% back equates to $0.05 for each $1 spent, which is equal to 5 points. 3% back equates to $0.03 for each $1 spent, which is equal to 3 points. 5% back or 3% back is not earned on (i) purchases from merchants using Amazon Pay, (ii) purchases made at international Amazon retail sites (including but not limited to Amazon.ca, Amazon.co.uk, Amazon.de, Amazon.fr, or Amazon.co.jp), or any other website operated by Amazon that is not listed at amazon.com/primevisa/benefits and amazon.com/amazonvisa/benefits , (iii) purchases made at international Whole Foods Markets, (iv) purchases of Whole Foods Market products and services through third-party sites such as Eventbrite, Instacart, Google Express and Shipt, (v) online purchases of Whole Foods Market gift cards (including through buyatab.com ), event tickets or classes, (vi) purchases from certain third-party vendors operating at Whole Foods Markets, (vii) purchases of massage services at any Whole Foods Market, or (viii) purchases from Spa@Ink, in each case in Amazon’s sole discretion. 5% back or 3% back through Chase Travel: You’ll earn 5% back with an eligible Prime membership or 3% back without an eligible Prime membership for each $1 spent on purchases made using your card account through Chase Travel. 5% back or 3% back is not earned on purchases made using your card account directly with travel suppliers including airline, hotel, car rentals and cruises. 2% back in rewards categories: You’ll earn 2% back for each $1 spent in the following rewards categories: gas stations; local transit and commuting; restaurants. This equates to $0.02 for each $1 spent, which is equal to 2 points. 1% back: You’ll earn 1% back for each $1 spent on all other purchases. This equates to $0.01 for each $1 spent, which is equal to 1 point. How you can use your points: You can use your points to redeem for any available reward options, including eligible purchases at Amazon.com, cash, travel, gift cards, and products or services made available through the program or directly from third parties. Redemption values for reward options may vary. Points expiration/losing points: Your points don’t expire as long as your card account remains open, however, you will immediately lose all your points if your card account status changes, or your card account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. Rewards Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. Chase groups similar merchant codes into categories for purposes of making rewards offers to you. Please note: Chase makes every effort to include all relevant merchant codes in its rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won’t qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see chase.com/RewardsCategoryFAQs Opens in a new window .

Prime Card Bonus: Offers good during promotional periods only and while supplies last. Cardmembers with an eligible Prime membership get additional rewards on eligible purchases made using your Prime Visa card, excluding purchases made through Installments, Prime Wardrobe, and Amazon Fresh. The amounts listed in the promotional offers include the 5% back you already earn on Amazon.com purchases with your Prime Visa card, and the extra % back you can earn with these promotions. These promotional offers only apply to the portion of net qualifying purchases (purchases less returns and other credits) of eligible items paid for with your Prime Visa card at Amazon.com. The extra % back rewards are earned after the close of each qualifying Daily Rewards posting and are generally available to be used the same day; however, it may take up to one additional day to become available if the extra points are earned after the close of the last qualifying Daily Rewards posting. Daily Rewards will post Sunday through Friday each week. To qualify for these promotional offers, your account must be open and not in default at the time of fulfillment. These promotional offers are non-transferable. Amazon reserves the right to modify or cancel these offers at any time. For more information about your rewards program, see your Rewards Program Agreement.

Using your Points at Amazon.com Checkout (Shop with Points): Additional Chase and Amazon.com Shop with Points service terms apply. Learn more about Shop with Points by going to Shop with Points . Some or all documents, services, websites (whether controlled by Chase or others) and/or correspondence may be available only in English.

Zero Liability: Zero Liability Protection does not apply to use of an account by an authorized user without the approval of the primary cardmember. If you think someone used your account without permission, tell us immediately by calling the Cardmember Services number on your card or billing statement.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

Amazon, the Amazon.com logo, the smile logo, and all related logos are trademarks of Amazon.com , Inc. or its affiliates.

Prime Visa credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offer subject to change.

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Chase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. Please review its terms, privacy and security policies to see how they apply to you. Chase isn't responsible for (and doesn't provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the Chase name.

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Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Credit cards

Prime Visa card review: More perks for Amazon Prime members

Glen Luke Flanagan

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 7:07 a.m. UTC Nov. 14, 2023

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

Amazon Prime members can greatly benefit from the generous rewards the card earns for spending within the brand.

Why trust our credit card experts

Our team of experts evaluates hundreds of credit cards and analyzes thousands of data points to help you find the best card for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

• 50+ cards analyzed.
• 8 data points considered.
• 5-step fact-checking process.

About the Prime Visa * The information for the Prime Visa has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

If you’re an Amazon Prime member, the Amazon Prime Visa Card should be in your wallet. This card earns 5% back at Amazon.com, Amazon Fresh and Whole Foods Market with an eligible Prime membership, 5% back on travel booked through Chase, 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and 1% back on all other purchases. But note, if you’re not a Prime member, you’re only eligible for a scaled-down card earning a lower rate on Amazon and at Whole Foods.

Amazon also offers a rotating selection of items and categories on which cardholders can earn an elevated rate of 10% cash back or more. And, unlike some retail credit cards, you can use the Amazon Prime Visa Card anywhere Visa is accepted.

As a new cardholder, you’ll earn a $100 Amazon gift card for Prime members upon approval. This card does not offer traditional 0% intro APR periods. However, cardholders may be eligible to choose a 0% APR period where they make equal monthly payments ranging from six to 18 months on qualifying purchases of $50 or more. After that a variable APR of 20.49% to 29.24% applies. A balance transfer fee of either $5 or 4% of each transfer, whichever is greater, applies. Note that if you opt for promotional financing on your purchase, you won’t earn cash back.

The card has no annual fee or foreign transaction fees. That said, while it’s a good fit for Prime members when shopping at Whole Foods or Amazon, the card’s low base rewards rate makes it less attractive as an everyday spending card.

Amazon Prime Visa Card basics

• Annual fee: $0 with Prime membership.
• Welcome bonus: $100 Amazon gift card for Prime members upon approval.
• Rewards: 5% back at Amazon.com, Amazon Fresh and Whole Foods Market with an eligible Prime membership, 5% back on travel booked through Chase, 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and 1% back on all other purchases.
• Regular APR: 20.49% - 29.24% Variable.
• Other perks and benefits:  Intro APR promotions on eligible Amazon purchases, travel insurance protections, bonus cash back on select Amazon purchases.
• Does the issuer offer a preapproval tool? No.
• Recommended credit score: Good to excellent.

Amazon Prime Visa Card rewards

Amazon will add a $100 Amazon gift card for Prime members upon approval, which you can use for purchases on the website.

If you’re a Prime member, you’ll earn 5% back at Amazon.com, Amazon Fresh and Whole Foods Market with an eligible Prime membership, 5% back on travel booked through Chase, 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and 1% back on all other purchases. If not, you’ll only be eligible for the Amazon Visa * The information for the Amazon Visa has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , and will earn 3% cash back in rewards at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations, drugstores and on local transit and commuting and 1% back on all other purchases.

Additionally, you can earn extra back on top of the elevated rewards your card offers on thousands of items listed on Amazon’s Prime card bonus deals page , with some offers at the time of writing showing total earnings of up to 15% or even 20% cash back.

You can redeem your rewards for Amazon.com purchases, a statement credit on your account or a deposit into a U.S. bank account. Note, however, that if you put your cash back toward Amazon.com shopping, you won’t earn cash back on purchases made with your rewards, so it’s better to opt for a statement credit or deposit. 

Amazon Prime Visa Card rewards potential

Using government data and other publicly available information, we estimate that a household in the U.S. that would be in the market for this card has an annual income of $84,352 and $25,087 in expenses they are likely to be able to charge to a credit card.

Here’s how that could break down for this card:

Of course, that assumes that you’re doing all of your grocery shopping at Whole Foods, which won’t be true for all cardholders. This calculation also doesn’t include Amazon-specific online purchases, which could help you earn potentially hundreds more each year in rewards. 

Amazon Prime Visa Card APR details

This card does not offer traditional 0% intro APR periods. However, cardholders may be eligible to choose a 0% APR period where they make equal monthly payments ranging from six to 18 months on qualifying purchases of $50 or more. After that a variable APR of 20.49% to 29.24% applies. A balance transfer fee of either $5 or 4% of each transfer, whichever is greater, applies. Here’s how that breaks down:

Note that this is not the same as the promotional financing you might receive from other stores, which can charge interest retroactively if you don’t pay the balance in full by the end of the promotional period.

Instead, Amazon will post the total purchase price to your credit line, and you’ll make equal monthly payments toward the purchase, which will be added to your minimum monthly payment. 

Amazon Prime Visa Card pros

• Great rewards on Amazon and Whole Foods purchases: You’ll be hard-pressed to find a better rewards rate on Amazon.com purchases, and while there are credit cards out there that offer higher rates on grocery spending, there are no caps on this card’s elevated rate at Whole Foods.
• APR promotions on select Amazon products: If you need to make a large purchase on Amazon.com, but you aren’t sure if you’ll be able to pay it off immediately, the card’s APR promotion feature could save you some money.
• No spending requirement for part of the welcome bonus: While the Amazon gift card isn’t the best welcome offer you’ll see, it doesn’t require you to spend any money to get it, which is extremely rare.
• Travel protections: It’s not common for cash-back credit cards to offer a variety of travel protections. But with the Amazon Prime Visa Card, you’ll get travel accident insurance, lost luggage reimbursement, baggage delay insurance, travel and emergency assistance, roadside dispatch and auto rental collision damage waiver. The card also offers purchase protection and extended warranty coverage.

Amazon Prime Visa Card cons

• Non-Amazon spending won’t earn much: While you’ll get great rewards with Amazon and Whole Foods, you can easily find other cards that will give you better rewards on your everyday spending.
• Lower rewards for non-Prime members: Many Amazon users have a Prime membership, but those who don’t will only be eligible for a card that earns a lower rate of 3% back on Amazon and Whole Foods purchases.
• No introductory APR on most purchases: While the APR promotion on Amazon.com purchases is an excellent feature, you won’t be able to use that benefit on other purchases. If you need to make a large purchase somewhere else or pay down a high-interest balance with a balance transfer, you’ll want to look elsewhere.

How the Amazon Rewards Visa Card compares to other cash-back cards

Amazon prime visa card vs. blue cash preferred® card from american express.

If you’re looking for a card with great rewards on groceries, consider the Blue Cash Preferred® Card from American Express (terms apply, rates & fees ). The card offers 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations, 3% cash back on transit and 1% cash back on other purchases. Cash back is received in the form of Rewards Dollars that can be redeemed as a statement credit or for eligible items at Amazon.com checkout.

You’ll also get a $250 statement credit after spending $3,000 in eligible purchases in the first six months of card membership and get a 0% intro APR for 12 months on purchases and balance transfers requested in the first 60 days, then a variable APR of 19.24% to 29.99%. A balance transfer fee of $5 or 3%, whichever is greater, applies. The card has a $0 intro annual fee for the first year, then $95.

Amazon Prime Visa Card vs. Chase Freedom Flex® * The information for the Chase Freedom Flex® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

If you like the idea of earning more on Amazon but don’t want to restrict your rewards on other spending, consider the Chase Freedom Flex . The card offers 5% cash back on up to $1,500 in categories that rotate quarterly (requires activation), 5% cash back on travel purchased through Chase Travel℠, 3% cash back on dining and drugstores and 1% cash back on all other purchases.

The  rotating bonus rate has included Amazon in the past, but it also includes other everyday spending categories. The card also offers a $150 bonus after spending $500 on purchases in the first three months of account opening. There’s a0% intro APR for the first 15 months on purchases and balance transfers, then a variable APR of 20.49% to 29.24%. There is an intro balance transfer fee of either $5 or 3% of each transfer, whichever is greater, in the first 60 days. Then the fee is the greater of $5 or 5% of each transfer. The card has no annual fee.

Amazon Prime Visa Card vs. Wells Fargo Active Cash® Card

If you prefer simplicity, the Wells Fargo Active Cash Card should be on your radar. The card offers a flat 2% cash rewards on purchases, plus a $200 cash rewards bonus after spending $500 in purchases in the first three months of account opening. 

New cardholders will also get a 0% intro APR for the first 12 months on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% variable APR applies thereafter. Balance transfers made within 120 days qualify for the intro rate and fee of 3%. After that a fee of up to 5%, with a minimum of $5 applies. The card has no annual fee.

Chase Sapphire Preferred® Card

Welcome bonus.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s take

• Flexible points that can be transferred to 14 travel partners or redeemed through Chase Travel℠ at 1.25 cents each.
• $50 annual statement credit toward Chase Travel hotel bookings.
• Valuable travel protections.
• $95 annual fee.
• Category bonuses are limited and not competitive against other travel cards.
• Transfer partner list is limited compared to programs like Amex Membership® Rewards and Citi ThankYou®.

Card details

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• Member FDIC

Should you get the Amazon Prime Visa Card?

If you’re an Amazon Prime member and do most of your online shopping with Amazon, it’s worth getting the card, even if you only use it for purchases with Amazon and Whole Foods. It can be especially useful if you make larger purchases on the website and want to save money on interest as you pay them off. 

With that said, the card isn’t a great one for everyday use, so it might be worth it to pair the Amazon Prime Visa Card with one or more other rewards credit cards to ensure you’re making the most of all of your biggest spending categories. 

Amazon Prime Visa Card summary

Methodology

Our credit card team has spent hours analyzing hundreds of credit cards. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings.

Some of the factors evaluated in selecting the best rewards credit cards included:

• Rewards potential and redemption options.
• Welcome bonuses.
• Travel and shopping benefits.
• Intro APRs.
• Annual fees.

Frequently asked questions (FAQs)

Chase, which issues the credit card, does not disclose a minimum credit score requirement. However, for a solid chance of your application being approved, it’s generally best to have good-to-excellent credit — which is typically considered to start at a FICO Score of 670.

Yes. When you apply for the card, Chase will run a hard inquiry on your credit reports, which can knock a few points off your score temporarily. Additionally, when you open an account, it can impact the average age of your accounts, which affects your length of credit history.

Finally, as you use the card and make payments, the percentage of your balance that you’re using at a given time — referred to as your credit utilization rate — and your on-time payment history will influence your credit score.

As a result, it’s crucial that you use the card responsibly, which can help you build your credit history rather than hurt it.

No, the card does not charge an annual fee.

You can use the card anywhere Visa is accepted. What’s more, if you use the card abroad, you won’t be charged any foreign transaction fees.

For rates and fees for the Blue Cash Preferred® Card from American Express please visit this page .

*The information for the Amazon Visa, Chase Freedom Flex® and Prime Visa has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Ben Luthi is a freelance writer who covers all things personal finance and travel. His work has appeared in dozens of online publications. Ben lives in Salt Lake City with his two children and two cats.

Glen Luke Flanagan is a deputy editor on the USA TODAY Blueprint credit cards team. Prior to joining Blueprint, he served as a deputy editor on the credit cards team at Forbes Advisor, and covered credit cards, credit scoring and related topics as a senior writer at LendingTree. He’s passionate about helping people understand personal finance so they can make the best decisions possible for their wallet. Glen holds a master's degree in technical and professional communication from East Carolina University and a bachelor's degree in journalism from Radford University.

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