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


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  • 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 $200 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: $200 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 $200 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:

SPENDING CATEGORYSPENDING AMOUNTCASH-BACK RATEPOINTS EARNED
Groceries
$3,459
5%
$172.95
Dining
$3,526
2%
$70.52
Gas/Transit/Commuting
$3,009
2%
$60.18
Other
$15,093
1%
$150.93
TOTAL
$25,087
$454.58

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:

PURCHASE PRICEPAYMENTS OVER
$50 or more
6 months
$250 or more
12 months
$500 or more
18 months

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 $200 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 15 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

Chase Sapphire Preferred® Card
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circumstances.
Apply Now
On Chase Bank USA, NA’s secure website

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℠.

60,000 bonus points

Annual fee

$95

Regular APR

21.49%-28.49% Variable

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.

(700 – 749) Good, Excellent
Earn 5x points on travel purchased through Chase Travel℠, 3x points on dining and 2x points on all other travel purchases, plus more.

Editor’s take

Pros
  • 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.
Cons
  • $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®.
The Chase Sapphire Preferred may not have a premium fee but it comes packed with enough benefits to stand tall in a crowded field of travel cards. It earns rewards at generous rates on travel purchased through Chase and on dining, and offers the same lineup of transfer partners as the more expensive Chase Sapphire Reserve®, plus a robust selection of travel protections.

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, 2024.
  • 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

Amazon Prime Rewards Visa Signature Card summary
Annual fee$0 with Prime membership
Welcome bonus$200 Amazon gift card for Prime members upon approval
Rewards5% 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
APRThis 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
Foreign transaction feesNone
Major perksTravel accident insurance, lost luggage reimbursement, baggage delay insurance, travel and emergency assistance, roadside dispatch and auto rental collision damage waiver

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

BLUEPRINT

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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