Amazon Prime Rewards Visa Card Review 2023


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Chase Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card


Intro offer

$100 Amazon gift card instantly upon approval


Rewards

Earn 5% back on Amazon and Whole Foods purchases with an eligible Prime membership. Earn 2% back at restaurants, gas stations, and drugstores. Earn 1% back on all other purchases. Earn 10% back or more on a rotating selection of Amazon products and categories.

Chase Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card


Intro offer

$100 Amazon gift card instantly upon approval


Rewards

Earn 5% back on Amazon and Whole Foods purchases with an eligible Prime membership. Earn 2% back at restaurants, gas stations, and drugstores. Earn 1% back on all other purchases. Earn 10% back or more on a rotating selection of Amazon products and categories.


Amazon Prime Rewards Visa Signature Card

Details


Rewards

Earn 5% back on Amazon and Whole Foods purchases with an eligible Prime membership. Earn 2% back at restaurants, gas stations, and drugstores. Earn 1% back on all other purchases. Earn 10% back or more on a rotating selection of Amazon products and categories.


Intro offer

$100 Amazon gift card instantly upon approval


Regular Annual Percentage Rate (APR)

18.49% – 26.49% Variable

Pros & Cons
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Highlights
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Additional Reading
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The Amazon Prime Rewards Visa Signature Card is a good choice if you’re already an Amazon Prime member — and do quite a bit of online shopping. It comes with decent benefits for a no-annual-fee credit card, and its earning rates are exceptional.

Amazon Prime Rewards Visa Card Review: Is the Amazon Prime Rewards Card the Best Credit Card for You?

If you’re an Amazon Prime member and spend a lot at Amazon, Whole Foods, or both, the Amazon Prime Rewards Visa Signature Card is worth considering. Amazon Prime members earn 5% back on Amazon and Whole Foods purchases***, 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases.

There’s no annual fee for Amazon Prime members, and because it’s a Visa Signature card, it offers solid benefits including extended warranty, purchase protection, and car rental insurance.

The card also offers a unique pay-over-time feature that can be useful if you want to avoid interest charges, but if you take advantage of this option, you won’t earn rewards for your purchase.

While this is a great card if you do the bulk of your spending at Amazon and/or Whole Foods, there are other credit cards that earn bonus cash back in a wider variety of categories that might be a better fit. Depending on your spending habits, a card with a flat earning rate everywhere, like the Wells Fargo Active Cash® Card (2% cash rewards on all purchases), could earn you more rewards overall. 

Insider’s Featured Rewards Credit Cards

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Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.

60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Earn 3x ThankYou® points on restaurant, supermarket, gas station, air travel, and hotel purchases. Earn 1x ThankYou® points on all other purchases.

60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first three months of account opening

20,000 bonus points when you spend $1,000 in purchases in the first three months from account opening

We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

Amazon Prime Visa Card Rewards

Welcome bonus

The Amazon Prime Rewards Visa Signature Card is currently offering a $100 Amazon gift card instantly upon approval. Rarely do cards offer welcome bonuses without some sort of minimum spending requirement. There’s no card on the market that offers an easier-to-earn bonus.

However, the value of this bonus is significantly less than you can find on other competing no-annual-fee cash back credit cards. It’s not difficult to find an intro offer worth at least $200.

How to earn points with the Amazon credit card

The Amazon Prime Rewards Visa Signature Card earns 5% cash back on Amazon and Whole Foods purchases, but to get this rate you must have an active Prime Membership ($139 per year for most members) and the card must be loaded as a method of payment on your Amazon account. If your Prime Membership lapses or your card isn’t loaded to your account, you’ll earn 3% back at Amazon and Whole Foods.

You’ll also earn 2% cash back at restaurants, gas stations, and drugstores, and 1% back on all other purchases. For a limited time, you can earn 10% to 25% back on select Amazon items marked as “Prime Card Offers” when using your card.

With the Amazon Prime Rewards Visa Signature Card, you’ll actually earn rewards as points, with 100 points = 1 dollar. Note that you won’t earn bonus rewards for purchases made through international Amazon sites or certain third-party vendors.

How to use points from the Amazon Prime Credit Card

The simplest way to use rewards from the Amazon Prime Rewards Visa Signature Card is to redeem them toward Amazon purchases at checkout.

You can also request cash back as a statement credit or direct deposit to a linked bank account, or use points toward gift cards or travel.

Amazon Prime Rewards Card Benefits and Features

For a no-annual-fee card, the Amazon Prime Rewards Visa Signature Card offers a solid range of benefits. 

Interest-free equal monthly payments

At Amazon checkout, you’ll have the option to select equal monthly payments (from six to 12 months) with a 0% APR on eligible purchases over $50 (then a 18.49% – 26.49% Variable APR).

You can set up monthly payments as follows:

  • Purchases of $50 or more: Six equal monthly payments
  • Purchases of $250 or more: 12 equal monthly payments

You won’t earn rewards if you go this route, but it’s a handy feature if you have a large Amazon purchase you want to pay for over time without incurring interest charges. Note that the full price will be charged to your card at the time of purchase; you’ll be responsible for the monthly payment amount which will appear on each statement.

Car rental insurance

When you decline the rental company’s collision insurance and charge the entire rental cost to your card, you’re covered for theft and collision damage on most cars. In the US, coverage is secondary to your personal insurance — otherwise, it’s primary car rental insurance.

Lost luggage reimbursement

When you pay for your fare with the Amazon Prime Rewards Visa Signature Cardand the carrier damages or loses your bags, you and your immediate family members could be covered for up to $3,000 per passenger. 

Baggage delay insurance

Credit card travel insurance like baggage delay insurance can give you peace of mind on a trip. If your bags are delayed for six hours or more, you could be reimbursed for essential purchases (like clothing and toiletries) up to $100 per day for up to three days.

Purchase protection

If an eligible item you’ve bought with the Amazon Prime Rewards Visa Signature Card is damaged or stolen within 120 days of purchase, the card’s purchase protection could make you eligible for up to $500 in reimbursement per claim, and up to $50,000 per account.

Extended warranty

Eligible items you purchase with the Amazon Prime Rewards Visa Signature Card with a manufacturer’s warranty of three years or less can receive an additional year of extended warranty coverage.

Visa Signature concierge

The Visa Signature concierge can help you arrange things like hard-to-get restaurant reservations or theater tickets. It doesn’t cost anything to use the service, but any third-party costs are your responsibility.

Travel and emergency assistance services

Suppose you’re away from home and run into trouble. In that case, you’ll have access to a travel and emergency assistance hotline that can help arrange legal and medical referrals, prescriptions, translation services, and more. Keep in mind any third-party costs are your responsibility.

Roadside dispatch

Cardholders have access to a 24/7 roadside dispatch hotline which can help you arrange services like towing, winching, or jump-starting. The dispatch service itself is free, but you’ll be charged for any services rendered.

Travel accident insurance

When you pay for your air, bus, cruise, or train transportation with the Amazon Prime Rewards Visa Signature Card, you’re eligible for accidental death or dismemberment coverage of up to $500,000. Be sure to read the terms and conditions for details on what’s covered.

Amazon Prime Rewards Visa Card Annual Fee and Other Costs

The Amazon Prime Rewards Visa Signature Card doesn’t have an annual fee as long as you have an Amazon Prime membership, and it doesn’t add foreign transaction fees, so it’s a good choice for international purchases.

Like most cards, there are fees for other types of transactions, including:

  • Balance transfers: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Cash advances: Either $10 or 5% of the amount of each transaction, whichever is greater
  • Late payments: Up to $39
  • Returned payments: Up to $39

How the Amazon Prime Rewards Visa Card Compares

Amazon Prime Rewards card vs other Chase credit cards

*limited-time offer

***5% cash back at Amazon and Whole Foods requires a Prime Membership and that your card is loaded to your eligible Amazon account; otherwise earn 3% back on these purchases

Amazon credit card vs other cash-back credit cards

*limited-time offer

***5% cash back at Amazon and Whole Foods requires a Prime Membership and that your card is loaded to your eligible Amazon account; otherwise earn 3% back on these purchases

****3% back on up to $6,000 spent at US supermarkets in a calendar year, then 1% back

Amazon Prime Rewards Visa Card Frequently Asked Questions

To qualify for the Amazon Prime Rewards Visa Signature Card, you’ll typically need a credit score in the good or excellent range; that is, a FICO score of at least 670. If your score isn’t quite there yet, be sure to check out our guide to the best credit cards for average credit scores for other options.

If you’re a big Amazon (or Whole Foods) shopper, the 5% cash back earning rate on the Amazon Prime Rewards Visa Signature Card is hard to beat. Plus, you’ll earn a respectable 2% cash back at restaurants, gas stations, and drugstores — so if these categories line up with your usual spending habits, it’s an even better deal.

Yes, you’ll need an eligible Prime membership to open the Amazon Prime Rewards Visa Signature Card, and your membership must stay active to earn 5% back at Amazon and Whole Foods (otherwise, the earning rate on these purchases drops to 3%).

You can use the Amazon Prime Rewards Visa Signature Card anywhere Visa is accepted; it’s not just for Amazon and Whole Foods.

The easiest way to pay your Amazon Prime card bill is to log in online through Chase or its mobile app. You can also pay your bill by calling the number on the back of your card, by mail, or at a Chase branch.

The Amazon Prime Rewards Visa Signature Card is issued by Chase.

Methodology: How we reviewed the Amazon Prime Rewards Visa Card

The Amazon Prime Rewards Visa Signature Card is a cash back credit card. We also consider it to be one of the best credit cards for online shopping. Therefore, we pitted its benefits and earning rates against credit cards in the same arena.  

Thanks to an unparalleled return with Amazon and Whole Foods — as well as the ability to choose interest-free financing on many purchases — this card earned a solid 4 out of 5 stars.

You can read a full rundown of how we rate credit cards at Insider.



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