Amazon Prime Store Card vs Amazon Visa
Both cards cost $0/yr. The Amazon Prime Store Card leads on everyday spending; the Amazon Visa on gas stations.
Card data as of November 13, 2026.
Amazon Prime Store CardSynchrony · No annual fee
Amazon VisaChase · No annual fee
Overview
- Annual fee
- Amazon Prime Store Card$0Amazon Visa$0
- Welcome offerCurrent public offer
- Amazon Prime Store Card—Amazon Visa$50 gift card
- Rewards
- Amazon Prime Store CardCash backAmazon VisaCash back
- Foreign transaction fee
- Amazon Prime Store CardNoneAmazon VisaNone
- Network
- Amazon Prime Store CardStore cardAmazon VisaVisa Signature
Earn ratesPer $1 spent
- Dining
- Amazon Prime Store Card—Rate not publishedAmazon Visa2%
- Gas Stations
- Amazon Prime Store Card—Rate not publishedAmazon Visa2%
- Transit
- Amazon Prime Store Card—Rate not publishedAmazon Visa2%
- Everything else
- Amazon Prime Store Card—Rate not publishedAmazon Visa1%
Perks & access— means none on record
- Other perks
- Amazon Prime Store Card
- Accepted Across Amazon Ecosystem
- Auto-Considered for Secured Card
Amazon Visa- 0% foreign transaction fees
- 24/7 travel and emergency assistance
- 0% financing for 6 or 12 months on Amazon
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Amazon Prime Store Card—Amazon Visa
- Travel Accident Insurance · up to $500,000
- Purchase & returns
- Amazon Prime Store Card—Amazon Visa
- 120-day purchase protection up to $500/item
- Zero Liability Protection
- Other protections
- Amazon Prime Store Card
- 0% APR Financing for 6-24 Months
- Zero Fraud Liability Protection
- $0 Annual Fee
Amazon Visa—
Pros & cons
- Pros
- Amazon Prime Store Card—Amazon Visa
- 3% back at Amazon.com, Audible.com, Whole Foods Market and on Chase Travel
- 3% back on Chase Travel portal bookings with no cap
- 2% back at restaurants, gas stations, and transit
- $50 Amazon Gift Card upon approval with no spend requirement
- No annual fee and no foreign transaction fees
- Cons
- Amazon Prime Store Card—Amazon Visa
- Lower Amazon/Whole Foods earn rate than Prime Visa
- Rewards locked to Amazon ecosystem
- Only 1% back on non-category purchases
Category-by-Category Winner
The Amazon Visa wins in 3 of 3 categories. The Amazon Prime Store Card leads in 0.
Gas Stations
Amazon Visa earns 2X vs 1X
Transit
Amazon Visa earns 2X vs 1X
Dining
Amazon 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 Amazon Visa on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Amazon Prime Store Card | Amazon 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: $200 | Amazon Visa | Amazon 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: $650 | Amazon Visa | Amazon Visa |
Which Card Is Right for You?
Get the Amazon Visa if you:
- +Spend $300+/month on restaurants and dining out
The Bottom Line
Both scenarios favor the Amazon 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 Amazon Visa?
- The Amazon 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 Amazon 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.