Rewards Plan
Sign up Bonus
Our Rating
0% Intro
Annual Fee
APR
- Great Cash Back Reward Points
- Sign-Up Bonus
- Amazon Prime Membership Requirement
- No Transfer Options
Rewards Plan
Sign up Bonus
Our Rating
PROS
- Great Cash Back Reward Points
- Sign-Up Bonus
CONS
- No Transfer Options
- Amazon Prime Membership Requirement
APR
19.49% - 27.49% Variable
Annual Fee
$0 ($139 Amazon Prime subscription required)
0% Intro
N/A
Credit Requirements
Good – Excellent
The Amazon Prime Visa Card has great benefits for people who are avid Amazon shoppers. The card is offered through Chase Bank, and there is no annual fee. With the Amazon Prime card, you earn 5% at Amazon.com, Amazon Fresh , Whole Foods Market and on Chase Travel purchases, 2% cash back on gas stations, restaurants and on local transit and commuting, 1% cash back on all other purchases.
While the card doesn't have an annual fee itself, it requires an Amazon Prime membership, currently priced at $139 per year, which could be a deterrent for those who don't regularly shop at Amazon or use other Prime services. The welcome offer includes a $100 Amazon gift card upon approval, exclusive to Prime members.
The card comes with additional perks such as the Visa Signature Luxury Hotel Collection, concierge service, and various travel and purchase protections, making it a versatile option for those who value these benefits.
However, you have to be an Amazon Prime member to hold the Amazon Prime Visa Card, which has an annual fee of $139. Also, it lacks the ability to transfer rewards points to other programs, limiting redemption options.
What’s the initial credit limit I'll get?
The Amazon Prime Rewards card has a minimum initial credit limit of $500. The exact amount can be much higher but it mainly depends on your credit score.
Can you get pre-approved?
There is no pre-approval option for the Amazon Prime Rewards card. This means that you’ll need to complete a full application and this will trigger a hard pull on your credit.
What are the card income requirements?
You’ll need good to excellent credit for the Amazon Prime Rewards card. Although your income will be one of the factors assessed during your application, your credit score will be a more important consideration
What's the main reason to skip the Amazon card?
The top reason not to get the Amazon Prime Rewards card is that you don’t tend to spend a lot with Amazon or Whole Foods.
What is the card customer service availability?
Chase is the issuer of Amazon card and it offer numerous contact methods, so you should be able to access the customer service team 24/7.
In this Review..
Pros & Cons
Let's explore the advantages and disadvantages of the Amazon Prime Visa Card to determine its suitability for your financial needs.
Pros | Cons |
|---|---|
High Amazon Rewards Rate | Amazon Prime Membership Requirement |
Sign-Up Bonus | Limited Rewards Transfer Options |
No Foreign Transaction Fees | No Access to Chase Offers and Ultimate Rewards Portals |
Visa Signature Benefits | Balance Transfer Fee |
Flexible Redemption Options |
- Flexible Redemption Options
Rewards can be redeemed at an equal rate for cash back, travel, and Amazon purchases, providing users with flexibility in utilizing their earned points.
- Sign-Up Bonus
When you sign up for the Prime Visa Card, you receive a $100 Amazon gift card upon approval.
Not a fantastic sign-up bonus when compared to other major credit cards, but because the Prime Visa Card is geared towards frequent Amazon buyers, this sign-up bonus could be a great incentive for some people.
- Visa Signature Benefits
Cardholders gain access to Visa Signature Luxury Hotel Collection, concierge service, and various travel and purchase protections, enhancing the overall cardholder experience.
- High Amazon Rewards Rate
The Prime Visa Card offers an excellent 5% at Amazon.com, Amazon Fresh , Whole Foods Market and on Chase Travel purchases, 2% cash back on gas stations, restaurants and on local transit and commuting, 1% cash back on all other purchases.
A cash back rate is fantastic for devoted Amazon users.
- No Foreign Transaction Fees
The card doesn't charge foreign transaction fees, making it a cost-effective choice for international travelers.
- Amazon Prime Membership Requirement
The card requires an Amazon Prime membership, priced at $139 per year, potentially deterring users who don't regularly shop at Amazon or use other Prime services.
- No Transfer Options
Even though Chase Bank provides the Amazon Prime Visa Card, cardholders cannot transfer rewards points to other programs or portals, limiting their options for redemption compared to some other rewards cards.
- Balance Transfer Fee
The card does have a higher than normal balance transfer, which is $5 or 5%, whichever is greater.
- No Access to Chase Offers and Ultimate Rewards Portals
Despite being a Chase credit card, users cannot access Chase Offers or Chase Ultimate Rewards portals, limiting additional benefits available with other Chase cards.
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Simulation: Which Card Gives More Rewards?
It's difficult to understand the actual reward potential of the Amazon card without a calculation. Therefore, here's a breakdown of some common costs and how much it worth.
However, keep in mind that the numbers should be adjusted to your regular spending categories, which may differ – so the exact calculation is dependent on your personal habits.
| |
|---|---|
Spend Per Category | Amazon Prime Visa |
$5,000 – Apple/Amazon | $250 |
$10,000 – U.S Supermarkets | $100 |
$4,000 – Restaurants
| $80 |
$5,000 – Hotels/Airline | $50 |
$4,000 – Gas | $80 |
Estimated Annual Value | $560 |
How to Make the Most of The Amazon Card?
With a couple of simple steps, you can make more from the Amazon card:
- Book your travel with your card: While this card is primarily for Amazon, it provides some excellent travel benefits if you pay for your fare with it. Baggage insurance, trip delay insurance, and travel accident insurance are all included.
- Understands rewards structure – besides the usual cash back on Amazon, you'll get higher cash back on a bunch of other purchases. Make sure to leverage it whenever it's possible.
Application Process
To apply for a credit card: Search the Credit Card Marketplace for a credit card you'd like to apply for.
Click Apply now. You'll be redirected to the credit card application on the financial institution's website.
Fill in the credit card application and click Submit application.
Note: Amazon.com does not have any information regarding the status of your application. For any questions regarding your application, please contact the financial institution of the card you are applying for.
You'll receive a decision from the financial institution.If you applied for a credit card via Credit Card Marketplace that offers an Amazon.com Gift Card incentive and your application was approved, the issuer of the credit card will be providing you with your Amazon.com Gift Card.
If you haven't received your Amazon.com Gift Card or believe the amount of the Gift Card is incorrect, please contact the financial institution that approved your application.
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How It Compared To Other Online Shopping Credit Cards?
The Amazon Prime Visa Card stands out among other online shopping credit cards, offering unique benefits and drawbacks in comparison to competitors like Target, Macy's, Costco, Walmart, and Sam's Club.
In contrast to the Amazon Prime Visa Card's broad rewards structure covering Amazon and Whole Foods purchases, the Target RedCard is more focused, providing a straightforward 5% discount on Target purchases. However, its scope is limited to Target, making it less versatile for general spending.
Macy's Star Rewards Credit Card caters specifically to Macy's shoppers, offering tiered rewards based on annual spending. While it provides flexibility in Macy's stores, its limited scope may be less appealing for those who shop across various retailers.
The Costco Anywhere Visa Card, exclusive to Costco members, is renowned for its generous cash back rewards, offers 4% cash back on on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and most travel purchases, 2% cash back at Costco and Costco.com, 1% cash back on all other purchases. However, its usefulness is constrained to Costco-related expenditures.
Walmart's Capital One Walmart Rewards Card, on the other hand, offers a tiered rewards system, including 5% cash back at Walmart.com (including pickup and delivery), 2% cash back in Walmart stores and gas stations, at restaurants and on travel plus 1% cash back everywhere else Mastercard is accepted. This card's broad acceptance and the flexibility to redeem rewards on Walmart.com make it appealing for regular Walmart shoppers.
Is the Amazon Prime Visa Right for You?
The Prime Visa Card is about as good as it gets when it comes to co-branded credit cards. Cardholders with prime memberships will certainly see the value since they are already avid Amazon users.
For many people, the higher cash back on Amazon and Whole Foods purchases on top of the other rewards on purchase will truly just be a bonus.
Weighing in the fact that the card doesn’t have 0% intro APR and carries higher balance transfer fees than normal, some people might not see the value, as these might be must haves for people looking for a new credit card. With this being said, this card might be as good as it gets for Amazon fans.
Compare The Alternatives
There are more cards for online shopping worth mentioning as alternatives to the Amazon card:
|
|
| |
|---|---|---|---|
Capital One® Walmart Rewards® Card | Amazon Prime Visa Card | Chase Freedom Unlimited® card | |
Annual Fee | $0
| $0 ($139 Amazon Prime subscription required)
| $0
|
Rewards |
1-5%
5% cash back at Walmart.com (including pickup and delivery), 2% cash back in Walmart stores and gas stations, at restaurants and on travel plus 1% cash back everywhere else Mastercard is accepted
|
1-5%
5% at Amazon.com, Amazon Fresh , Whole Foods Market and on Chase Travel purchases, 2% cash back on gas stations, restaurants and on local transit and commuting, 1% cash back on all other purchases
|
1.5% – 5%
5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% cash back on all purchases
|
Welcome bonus |
5%
5% cash back for the first 12 months when you use your card with Walmart Pay for in-store purchases, upon approval
|
$100
$100 Amazon gift card upon approval
|
$200
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
|
Foreign Transaction Fee | Unknown
| $0
| 3%
|
Purchase APR | 17.99% – 28.99% (Variable)
| 19.49% – 27.49% Variable
| 20.24%–28.99% variable
|
FAQ
The Amazon card doesn't have a rewards limit, so you can earn cash back on all of your purchases. It has a tiered structure, so even purchases that are not on Amazon can still earn you some cash back.
You’ll need good to excellent credit for the Amazon Prime Rewards card. Although your income will be one of the factors assessed during your application, your credit score will be a more important consideration.
If you don’t get an instant decision after you submit the online application form for the Amazon Prime Rewards card, you may be waiting two to four weeks.
The top reason not to get the Amazon Prime Rewards card is that you don’t tend to spend a lot with Amazon or Whole Foods.
Compare Amazon Prime Visa Card
My Best Buy Visa Card is cheaper than the Amazon card, which requires a membership. But, it doesn't mean Amazon wins – here's why.
The Amazon Prime Visa card offers high cashback for avid online shoppers. However, Costco is the winner when it comes to everyday spending.
If you're a geek of both Amazon and Apple and not sure which card is better for your needs, we think we can help – there is a clear winner.
While Target RedCard offers a less attractive cashback rewards ratio than Amazon, it still may be a better option for some. Let's compare
The BJ's One+ Mastercard wins if you focus on groceries, but Amazon's card extra shopping perks and insurance are better.
Both the Prime Visa and the Capital One Walmart card offer similar cashback rewards ratios.
Here's why Walmart is our winner: Prime Visa vs: Capital One Walmart Rewards
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Review Store Credit Cards
Amazon Prime Rewards Visa
Best Buy Credit Card
Capital One Walmart
Sam's Club Mastercard
Target Red Card
Costco Anywhere Visa
