Which card earns more rewards, the Prime Visa or Amazon Visa?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the Prime Visa 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.

Prime Visa vs Amazon Visa

Both cards cost $0/yr. The Prime Visa leads on gas stations; the Amazon Visa on gas stations.

Card data as of November 13, 2026.

Credit card comparison
Overview
	Prime Visa Chase · No annual fee	Amazon Visa Chase · No annual fee
Annual fee	$0	$0
Welcome offerCurrent public offer	$150 gift card	$50 gift card
Rewards	Cash back	Cash back
Foreign transaction fee	None	None
Network	Visa Signature	Visa Signature
Earn ratesPer $1 spent
Dining	2%	2%
Gas Stations	2%	2%
Transit	2%	2%
Everything else	1%	1%
Perks & access— means none on record
Other perks	—	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	Up to $500,000 travel accident coverage	Travel Accident Insurance · up to $500,000
Purchase & returns	$500 per claim on damage or theft	120-day purchase protection up to $500/item Zero Liability Protection
Pros & cons
Pros	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)	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	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	Lower Amazon/Whole Foods earn rate than Prime Visa Rewards locked to Amazon ecosystem Only 1% back on non-category purchases
	Card details	Card details

Prime Visa
Chase · No annual fee
Amazon Visa
Chase · No annual fee

Overview

Annual fee: Prime Visa
$0
Amazon Visa
$0
Welcome offerCurrent public offer: Prime Visa
$150 gift card
Amazon Visa
$50 gift card
Rewards: Prime Visa
Cash back
Amazon Visa
Cash back
Foreign transaction fee: Prime Visa
None
Amazon Visa
None
Network: Prime Visa
Visa Signature
Amazon Visa
Visa Signature

Earn ratesPer $1 spent

Dining: Prime Visa
2%
Amazon Visa
2%
Gas Stations: Prime Visa
2%
Amazon Visa
2%
Transit: Prime Visa
2%
Amazon Visa
2%
Everything else: Prime Visa
1%
Amazon Visa
1%

Perks & access— means none on record

Other perks: Prime Visa
—
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: Prime Visa
Up to $500,000 travel accident coverage
Amazon Visa
Travel Accident Insurance · up to $500,000
Purchase & returns: Prime Visa
$500 per claim on damage or theft
Amazon Visa
120-day purchase protection up to $500/item
Zero Liability Protection

Pros & cons

Pros: 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)
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: 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
Amazon Visa
Lower Amazon/Whole Foods earn rate than Prime Visa
Rewards locked to Amazon ecosystem
Only 1% back on non-category purchases

Card details

Add a 3rd or 4th card to this comparison →

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.

Close — depends on how much of the credits you use

Scenario	Prime Visa	Amazon Visa	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $150 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $150 Year one: $300	Rewards: $150 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $150 Year one: $200	Close — depends on how much of the credits you use	Prime Visa
Heavy spender: $4,000/month	Rewards: $600 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $600 Year one: $750	Rewards: $600 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $600 Year one: $650	Close — depends on how much of the credits you use	Prime Visa

The Bottom Line

Close — depends on how much of the credits you use

Frequently Asked Questions

Which card earns more rewards, the Prime Visa or Amazon Visa?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Prime Visa 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.

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Official issuer pages: Chase cards

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.