Amazon Prime Store Card vs Prime Visa
Both cards cost $0/yr. The Amazon Prime Store Card leads on everyday spending; the Prime Visa on gas stations.
Card data as of November 13, 2026.
Amazon Prime Store CardSynchrony · No annual fee
Prime VisaChase · No annual fee
Overview
- Annual fee
- Amazon Prime Store Card$0Prime Visa$0
- Welcome offerCurrent public offer
- Amazon Prime Store Card—Prime Visa$150 gift card
- Rewards
- Amazon Prime Store CardCash backPrime VisaCash back
- Foreign transaction fee
- Amazon Prime Store CardNonePrime VisaNone
- Network
- Amazon Prime Store CardStore cardPrime VisaVisa Signature
Earn ratesPer $1 spent
- Dining
- Amazon Prime Store Card—Rate not publishedPrime Visa2%
- Gas Stations
- Amazon Prime Store Card—Rate not publishedPrime Visa2%
- Transit
- Amazon Prime Store Card—Rate not publishedPrime Visa2%
- Everything else
- Amazon Prime Store Card—Rate not publishedPrime Visa1%
Perks & access— means none on record
- Other perks
- Amazon Prime Store Card
- Accepted Across Amazon Ecosystem
- Auto-Considered for Secured Card
Prime Visa—
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Amazon Prime Store Card—Prime Visa
- Up to $500,000 travel accident coverage
- Purchase & returns
- Amazon Prime Store Card—Prime Visa
- $500 per claim on damage or theft
- Other protections
- Amazon Prime Store Card
- 0% APR Financing for 6-24 Months
- Zero Fraud Liability Protection
- $0 Annual Fee
Prime Visa—
Pros & cons
- Pros
- Amazon Prime Store Card—Prime Visa
- 5% back at Amazon.com, Audible.com, Whole Foods Market and on Chase Travel with an eligible Prime membership
- 5% back on Chase Travel portal bookings with no cap
- 2% back at restaurants, gas stations, and transit - solid everyday categories
- $150 Amazon Gift Card welcome bonus with no minimum spend required
- No annual fee on the card itself (Prime membership separate)
- Cons
- Amazon Prime Store Card—Prime Visa
- Requires an eligible Amazon Prime membership to earn 5% (3% without Prime)
- Rewards locked to Amazon ecosystem - cannot transfer to airlines/hotels
- Only 1% back on non-category purchases - below average for catch-all spending
- No premium travel protections like trip delay insurance or lounge access
- Sign-up bonus is gift card, not flexible cash or points
Category-by-Category Winner
The Prime Visa wins in 3 of 3 categories. The Amazon Prime Store Card leads in 0.
Gas Stations
Prime Visa earns 2X vs 1X
Transit
Prime Visa earns 2X vs 1X
Dining
Prime Visa earns 2X vs 1X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the Prime Visa on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Amazon Prime Store Card | Prime Visa | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $120 | Rewards: $150 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $150 Year one: $300 | Prime Visa | Prime Visa |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $480 | Rewards: $600 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $600 Year one: $750 | Prime Visa | Prime Visa |
Which Card Is Right for You?
Get the Prime Visa if you:
- +Spend $300+/month on restaurants and dining out
The Bottom Line
Both scenarios favor the Prime Visa on net value (rewards, usable credits, fees, and welcome offer).
Frequently Asked Questions
- Which card earns more rewards, the Amazon Prime Store Card or Prime Visa?
- The Prime Visa has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
- Should I get the Amazon Prime Store Card or the Prime Visa?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.