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Turn every Amazon order into 5% back with no annual card fee
Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with Prime membership. Plus 2% back at gas stations, restaurants, and on transit. $0 annual card fee and no foreign transaction fees.
$0
Annual Fee
150
Retail · Welcome Bonus
5X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Cash
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
Bonus: 150 Retail
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Amazon | 5X | Core | any | None | |
| Whole Foods | 5X | Core | any | None | |
| Chase Travel | 5X | Core | portal | None | |
| All Travel Ultimate Rewards | 5X | Core | any | None | |
| Gas Stations | 2X | Core | any | None | |
| Transit | 2X | Core | any | None | |
| Dining | 2X | Core | any | None | |
| Ridesharing | 2X | Core | any | None | |
| All Other | 1X | Base | any | None |
A household spending $500/month at Amazon and Whole Foods earns $300/year in rewards — more than covering Prime membership at $139/year.
Spending $400/month on gas, restaurants, and commuting earns $96/year on top of your Amazon rewards.
Even non-category spending of $1,000/month adds $120/year in rewards, all redeemable at Amazon checkout.
Benefits & Perks
Combined Protection Value
$506,675
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Reviews & Analysis
The Prime Visa is the highest-earning card for Amazon and Whole Foods purchases at 5% back, but rewards are locked to the Amazon ecosystem. Unlike Chase Sapphire cards, points cannot transfer to airline or hotel partners. Best paired with a flat-rate cash back card for non-Amazon spending.
Program & Transfers
Earn more on everyday spend.
Amazon Prime Rewards is a straightforward cash back program accessible through the Prime Visa card (issued by Chase). Prime members earn 5% cash back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel bookings. Non-Prime cardholders earn 3% back at the same merchants. The card also earns 2% back at gas stations, restaurants, and on local transit/commuting, plus 1% everywhere else. New cardholders receive a $150 Amazon Gift Card instantly upon approval with an eligible Prime membership. The program offers fixed 1.0 cent-per-point redemption value through Amazon checkout, cash back via Chase, travel bookings, or gift cards.
Details & Terms
| Purchase APR | 18.74%–27.49% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Yes. The Prime Visa card requires an active Amazon Prime membership ($14.99/month or $139/year) to earn the full 5% cash back at Amazon and Whole Foods. Without Prime membership, you can only apply for the standard Amazon Visa, which earns 3% back at Amazon and Whole Foods instead of 5%.
The $150 Amazon Gift Card is loaded into your Amazon account balance instantly upon approval. You can use it immediately for purchases at Amazon.com with no spending requirement. The gift card balance does not expire.
Media & Resources
Turn every Amazon order into 5% back with no annual card fee
Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with Prime membership. Plus 2% back at gas stations, restaurants, and on transit. $0 annual card fee and no foreign transaction fees.
$0
Annual Fee
150
Retail · Welcome Bonus
5X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Cash
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
Bonus: 150 Retail
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Amazon | 5X | Core | any | None | |
| Whole Foods | 5X | Core | any | None | |
| Chase Travel | 5X | Core | portal | None | |
| All Travel Ultimate Rewards | 5X | Core | any | None | |
| Gas Stations | 2X | Core | any | None | |
| Transit | 2X | Core | any | None | |
| Dining | 2X | Core | any | None | |
| Ridesharing | 2X | Core | any | None | |
| All Other | 1X | Base | any | None |
A household spending $500/month at Amazon and Whole Foods earns $300/year in rewards — more than covering Prime membership at $139/year.
Spending $400/month on gas, restaurants, and commuting earns $96/year on top of your Amazon rewards.
Even non-category spending of $1,000/month adds $120/year in rewards, all redeemable at Amazon checkout.
Benefits & Perks
Combined Protection Value
$506,675
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Reviews & Analysis
The Prime Visa is the highest-earning card for Amazon and Whole Foods purchases at 5% back, but rewards are locked to the Amazon ecosystem. Unlike Chase Sapphire cards, points cannot transfer to airline or hotel partners. Best paired with a flat-rate cash back card for non-Amazon spending.
Program & Transfers
Earn more on everyday spend.
Amazon Prime Rewards is a straightforward cash back program accessible through the Prime Visa card (issued by Chase). Prime members earn 5% cash back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel bookings. Non-Prime cardholders earn 3% back at the same merchants. The card also earns 2% back at gas stations, restaurants, and on local transit/commuting, plus 1% everywhere else. New cardholders receive a $150 Amazon Gift Card instantly upon approval with an eligible Prime membership. The program offers fixed 1.0 cent-per-point redemption value through Amazon checkout, cash back via Chase, travel bookings, or gift cards.
Details & Terms
| Purchase APR | 18.74%–27.49% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Yes. The Prime Visa card requires an active Amazon Prime membership ($14.99/month or $139/year) to earn the full 5% cash back at Amazon and Whole Foods. Without Prime membership, you can only apply for the standard Amazon Visa, which earns 3% back at Amazon and Whole Foods instead of 5%.
The $150 Amazon Gift Card is loaded into your Amazon account balance instantly upon approval. You can use it immediately for purchases at Amazon.com with no spending requirement. The gift card balance does not expire.
Media & Resources
Turn every Amazon order into 5% back with no annual card fee
Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with Prime membership. Plus 2% back at gas stations, restaurants, and on transit. $0 annual card fee and no foreign transaction fees.
$0
Annual Fee
150
Retail · Welcome Bonus
5X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Cash
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
Bonus: 150 Retail
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Amazon | 5X | Core | any | None | |
| Whole Foods | 5X | Core | any | None | |
| Chase Travel | 5X | Core | portal | None | |
| All Travel Ultimate Rewards | 5X | Core | any | None | |
| Gas Stations | 2X | Core | any | None | |
| Transit | 2X | Core | any | None | |
| Dining | 2X | Core | any | None | |
| Ridesharing | 2X | Core | any | None | |
| All Other | 1X | Base | any | None |
A household spending $500/month at Amazon and Whole Foods earns $300/year in rewards — more than covering Prime membership at $139/year.
Spending $400/month on gas, restaurants, and commuting earns $96/year on top of your Amazon rewards.
Even non-category spending of $1,000/month adds $120/year in rewards, all redeemable at Amazon checkout.
Benefits & Perks
Combined Protection Value
$506,675
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Reviews & Analysis
The Prime Visa is the highest-earning card for Amazon and Whole Foods purchases at 5% back, but rewards are locked to the Amazon ecosystem. Unlike Chase Sapphire cards, points cannot transfer to airline or hotel partners. Best paired with a flat-rate cash back card for non-Amazon spending.
Program & Transfers
Earn more on everyday spend.
Amazon Prime Rewards is a straightforward cash back program accessible through the Prime Visa card (issued by Chase). Prime members earn 5% cash back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel bookings. Non-Prime cardholders earn 3% back at the same merchants. The card also earns 2% back at gas stations, restaurants, and on local transit/commuting, plus 1% everywhere else. New cardholders receive a $150 Amazon Gift Card instantly upon approval with an eligible Prime membership. The program offers fixed 1.0 cent-per-point redemption value through Amazon checkout, cash back via Chase, travel bookings, or gift cards.
Details & Terms
| Purchase APR | 18.74%–27.49% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Yes. The Prime Visa card requires an active Amazon Prime membership ($14.99/month or $139/year) to earn the full 5% cash back at Amazon and Whole Foods. Without Prime membership, you can only apply for the standard Amazon Visa, which earns 3% back at Amazon and Whole Foods instead of 5%.
The $150 Amazon Gift Card is loaded into your Amazon account balance instantly upon approval. You can use it immediately for purchases at Amazon.com with no spending requirement. The gift card balance does not expire.
Media & Resources
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Covers new purchases for 120 days against damage or theft up to $500 per claim.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Get reimbursed up to $100 per day (max 3 days, $300 total) for essential purchases when baggage is delayed 6+ hours.
Save up to 25% on Avis and Budget rentals with complimentary upgrades and expedited pickup membership.
You're not responsible for unauthorized charges on your card or account information. Zero Liability protection is automatic.
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Automatic coverage for accidental death or dismemberment when paying for air, bus, train, or cruise transportation with your card
This card’s offers may seem attractive if you frequently shop online, but there are better choices available for higher returns and more flexible rewards. We do not recommend this card for most users.
At first glance, the spending multipliers on the Amazon Prime Rewards Visa card look enticing — especially if you shop frequently at Amazon. You could certainly rack up a substantial number of points through regular purchases at Amazon. Add a $100 gift card for signing up and **no annual fee**, and the card appears even more appealing. However, if you explore other options, you’ll find there are more lucrative ways to maximize your Amazon spending.
If you have an eligible Prime membership, you can sign up for the Amazon Prime Rewards Visa Card and receive a **$100 Amazon Gift Card as a sign-up bonus**. There is no annual fee for this card, and it offers several points multipliers you can use in various ways:
- 3% back on Amazon, Amazon Fresh, Whole Foods, and Chase Travel purchases (or 5% back on all of these if you have an eligible Prime membership).
- 2% back at gas stations, restaurants, local transit, and commuting.
- 1% back on everything else.
- Rotating 10% back on select items at both Amazon and Whole Foods.
Redeeming your rewards is straightforward. You can:
- Apply them directly at checkout on Amazon (1:1 value).
- Use your points for gift cards or cash back.
- Redeem them for travel through Chase (although note these are not Chase Ultimate Rewards points, so they cannot be combined with other Chase points you hold).
- Enjoy a consistent value of 1¢ per point.
This card may not be ideal for you if:
- You hoped it would provide excellent travel-redemption options because it carries the Chase name. In reality, these points do not transfer into Chase’s more flexible redemption system.
- You want to focus on true travel rewards. Although you can redeem points for travel through Chase at a 1:1 rate, other cards offer more value for travel enthusiasts
There is another Amazon card available, the **Amazon Business Card** from American Express. It also comes with a $100 Amazon Gift Card as a sign-up bonus and has no annual fee, though its spending multipliers differ. If you’re really looking to maximize spending on Amazon, consider the **Chase Ink Business Cash** Card **,** which offers 5× points at Staples. You could then buy Amazon gift cards at Staples for 5× points. Given Chase points can be worth up to 1.8¢ each, you could effectively earn around 9% back instead of 5%. The Chase Ink Cash card also currently offers a 75,000-point sign-up bonus, which far exceeds a $100 Amazon Gift Card.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$0
Net Annual Value
+$4.80
The Amazon Prime Rewards Visa Signature Card was renamed to "Prime Visa" with a refreshed card design. The core benefits remained the same but the card gained enhanced Visa Signature travel protections.
Yes. Use the In-Store Code feature in the Amazon Shopping app or Whole Foods Market app to apply your cash back points to purchases at any Whole Foods location. Enable the toggle to use all available points, or tap "Edit Amount" to apply a specific portion. Your points appear as a deduction on your receipt.
Prime Card Bonus is a rotating promotional program where Prime Visa cardholders earn 10% back or more on select items and categories at Amazon.com. Eligible products display a "Prime Card Bonus" badge on the product page. Offers are limited-time and change regularly. You must be a Prime member to qualify for these bonuses.
No. The Prime Visa card has no foreign transaction fees, making it useful for international travel and purchases from international Amazon sites (Amazon.co.uk, Amazon.de, etc.). You earn standard cash back rates on all international purchases.
Chase typically denies credit card applications if you have opened 5 or more credit cards (from any issuer) in the past 24 months. This is known as the 5/24 rule. If you are at or above this threshold, your Prime Visa application will likely be denied regardless of credit score. Check your credit report for recent hard inquiries before applying.
Comparison of all Amazon credit card options including Prime Visa, Amazon Visa (non-Prime), Amazon Business Card, and Amazon Prime Secured Card. Helps readers choose the right Amazon card.
Analysis of whether the Prime Visa is worth it given the required $139/year Prime membership. Compares earning potential against alternatives like Chase Ink Business Cash for Amazon spending.
NerdWallet's comprehensive review of the Prime Visa with 4.6/5 rating. Covers earn rates, redemption options, Visa Signature protections, and breakeven analysis for the Prime membership cost.
Bankrate's 4.5/5 star review highlighting the Prime Visa as one of the best retail store cards. Covers Visa Signature Luxury Hotel Collection, concierge service, and no foreign transaction fees.
TPG's card page for the Prime Visa covering the 5% Amazon and Whole Foods earning rate, $150 welcome bonus, Visa Signature benefits, and comparison to other Amazon shopping strategies. Rated 3.5/5.
WalletHub's community-driven review of the Prime Visa with user ratings and expert analysis. Includes comparison to other cash back and store cards.
Detailed breakeven analysis calculating how much you need to spend at Amazon to justify the $139 Prime membership through 5% rewards. Includes card pairing strategies and alternative earning methods.
U.S. News review of the Prime Visa covering rewards structure, fees, benefits, and who the card is best for. Includes comparison methodology and rankings within cash back category.
Personal experience review from a Bankrate editor explaining how the Prime Visa fits into their wallet for Amazon and everyday spending. Includes real-world earning examples.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Covers new purchases for 120 days against damage or theft up to $500 per claim.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Get reimbursed up to $100 per day (max 3 days, $300 total) for essential purchases when baggage is delayed 6+ hours.
Save up to 25% on Avis and Budget rentals with complimentary upgrades and expedited pickup membership.
You're not responsible for unauthorized charges on your card or account information. Zero Liability protection is automatic.
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Automatic coverage for accidental death or dismemberment when paying for air, bus, train, or cruise transportation with your card
This card’s offers may seem attractive if you frequently shop online, but there are better choices available for higher returns and more flexible rewards. We do not recommend this card for most users.
At first glance, the spending multipliers on the Amazon Prime Rewards Visa card look enticing — especially if you shop frequently at Amazon. You could certainly rack up a substantial number of points through regular purchases at Amazon. Add a $100 gift card for signing up and **no annual fee**, and the card appears even more appealing. However, if you explore other options, you’ll find there are more lucrative ways to maximize your Amazon spending.
If you have an eligible Prime membership, you can sign up for the Amazon Prime Rewards Visa Card and receive a **$100 Amazon Gift Card as a sign-up bonus**. There is no annual fee for this card, and it offers several points multipliers you can use in various ways:
- 3% back on Amazon, Amazon Fresh, Whole Foods, and Chase Travel purchases (or 5% back on all of these if you have an eligible Prime membership).
- 2% back at gas stations, restaurants, local transit, and commuting.
- 1% back on everything else.
- Rotating 10% back on select items at both Amazon and Whole Foods.
Redeeming your rewards is straightforward. You can:
- Apply them directly at checkout on Amazon (1:1 value).
- Use your points for gift cards or cash back.
- Redeem them for travel through Chase (although note these are not Chase Ultimate Rewards points, so they cannot be combined with other Chase points you hold).
- Enjoy a consistent value of 1¢ per point.
This card may not be ideal for you if:
- You hoped it would provide excellent travel-redemption options because it carries the Chase name. In reality, these points do not transfer into Chase’s more flexible redemption system.
- You want to focus on true travel rewards. Although you can redeem points for travel through Chase at a 1:1 rate, other cards offer more value for travel enthusiasts
There is another Amazon card available, the **Amazon Business Card** from American Express. It also comes with a $100 Amazon Gift Card as a sign-up bonus and has no annual fee, though its spending multipliers differ. If you’re really looking to maximize spending on Amazon, consider the **Chase Ink Business Cash** Card **,** which offers 5× points at Staples. You could then buy Amazon gift cards at Staples for 5× points. Given Chase points can be worth up to 1.8¢ each, you could effectively earn around 9% back instead of 5%. The Chase Ink Cash card also currently offers a 75,000-point sign-up bonus, which far exceeds a $100 Amazon Gift Card.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$0
Net Annual Value
+$4.80
The Amazon Prime Rewards Visa Signature Card was renamed to "Prime Visa" with a refreshed card design. The core benefits remained the same but the card gained enhanced Visa Signature travel protections.
Yes. Use the In-Store Code feature in the Amazon Shopping app or Whole Foods Market app to apply your cash back points to purchases at any Whole Foods location. Enable the toggle to use all available points, or tap "Edit Amount" to apply a specific portion. Your points appear as a deduction on your receipt.
Prime Card Bonus is a rotating promotional program where Prime Visa cardholders earn 10% back or more on select items and categories at Amazon.com. Eligible products display a "Prime Card Bonus" badge on the product page. Offers are limited-time and change regularly. You must be a Prime member to qualify for these bonuses.
No. The Prime Visa card has no foreign transaction fees, making it useful for international travel and purchases from international Amazon sites (Amazon.co.uk, Amazon.de, etc.). You earn standard cash back rates on all international purchases.
Chase typically denies credit card applications if you have opened 5 or more credit cards (from any issuer) in the past 24 months. This is known as the 5/24 rule. If you are at or above this threshold, your Prime Visa application will likely be denied regardless of credit score. Check your credit report for recent hard inquiries before applying.
Comparison of all Amazon credit card options including Prime Visa, Amazon Visa (non-Prime), Amazon Business Card, and Amazon Prime Secured Card. Helps readers choose the right Amazon card.
Analysis of whether the Prime Visa is worth it given the required $139/year Prime membership. Compares earning potential against alternatives like Chase Ink Business Cash for Amazon spending.
NerdWallet's comprehensive review of the Prime Visa with 4.6/5 rating. Covers earn rates, redemption options, Visa Signature protections, and breakeven analysis for the Prime membership cost.
Bankrate's 4.5/5 star review highlighting the Prime Visa as one of the best retail store cards. Covers Visa Signature Luxury Hotel Collection, concierge service, and no foreign transaction fees.
TPG's card page for the Prime Visa covering the 5% Amazon and Whole Foods earning rate, $150 welcome bonus, Visa Signature benefits, and comparison to other Amazon shopping strategies. Rated 3.5/5.
WalletHub's community-driven review of the Prime Visa with user ratings and expert analysis. Includes comparison to other cash back and store cards.
Detailed breakeven analysis calculating how much you need to spend at Amazon to justify the $139 Prime membership through 5% rewards. Includes card pairing strategies and alternative earning methods.
U.S. News review of the Prime Visa covering rewards structure, fees, benefits, and who the card is best for. Includes comparison methodology and rankings within cash back category.
Personal experience review from a Bankrate editor explaining how the Prime Visa fits into their wallet for Amazon and everyday spending. Includes real-world earning examples.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Covers new purchases for 120 days against damage or theft up to $500 per claim.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Get reimbursed up to $100 per day (max 3 days, $300 total) for essential purchases when baggage is delayed 6+ hours.
Save up to 25% on Avis and Budget rentals with complimentary upgrades and expedited pickup membership.
You're not responsible for unauthorized charges on your card or account information. Zero Liability protection is automatic.
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Automatic coverage for accidental death or dismemberment when paying for air, bus, train, or cruise transportation with your card
This card’s offers may seem attractive if you frequently shop online, but there are better choices available for higher returns and more flexible rewards. We do not recommend this card for most users.
At first glance, the spending multipliers on the Amazon Prime Rewards Visa card look enticing — especially if you shop frequently at Amazon. You could certainly rack up a substantial number of points through regular purchases at Amazon. Add a $100 gift card for signing up and **no annual fee**, and the card appears even more appealing. However, if you explore other options, you’ll find there are more lucrative ways to maximize your Amazon spending.
If you have an eligible Prime membership, you can sign up for the Amazon Prime Rewards Visa Card and receive a **$100 Amazon Gift Card as a sign-up bonus**. There is no annual fee for this card, and it offers several points multipliers you can use in various ways:
- 3% back on Amazon, Amazon Fresh, Whole Foods, and Chase Travel purchases (or 5% back on all of these if you have an eligible Prime membership).
- 2% back at gas stations, restaurants, local transit, and commuting.
- 1% back on everything else.
- Rotating 10% back on select items at both Amazon and Whole Foods.
Redeeming your rewards is straightforward. You can:
- Apply them directly at checkout on Amazon (1:1 value).
- Use your points for gift cards or cash back.
- Redeem them for travel through Chase (although note these are not Chase Ultimate Rewards points, so they cannot be combined with other Chase points you hold).
- Enjoy a consistent value of 1¢ per point.
This card may not be ideal for you if:
- You hoped it would provide excellent travel-redemption options because it carries the Chase name. In reality, these points do not transfer into Chase’s more flexible redemption system.
- You want to focus on true travel rewards. Although you can redeem points for travel through Chase at a 1:1 rate, other cards offer more value for travel enthusiasts
There is another Amazon card available, the **Amazon Business Card** from American Express. It also comes with a $100 Amazon Gift Card as a sign-up bonus and has no annual fee, though its spending multipliers differ. If you’re really looking to maximize spending on Amazon, consider the **Chase Ink Business Cash** Card **,** which offers 5× points at Staples. You could then buy Amazon gift cards at Staples for 5× points. Given Chase points can be worth up to 1.8¢ each, you could effectively earn around 9% back instead of 5%. The Chase Ink Cash card also currently offers a 75,000-point sign-up bonus, which far exceeds a $100 Amazon Gift Card.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$0
Net Annual Value
+$4.80
The Amazon Prime Rewards Visa Signature Card was renamed to "Prime Visa" with a refreshed card design. The core benefits remained the same but the card gained enhanced Visa Signature travel protections.
Yes. Use the In-Store Code feature in the Amazon Shopping app or Whole Foods Market app to apply your cash back points to purchases at any Whole Foods location. Enable the toggle to use all available points, or tap "Edit Amount" to apply a specific portion. Your points appear as a deduction on your receipt.
Prime Card Bonus is a rotating promotional program where Prime Visa cardholders earn 10% back or more on select items and categories at Amazon.com. Eligible products display a "Prime Card Bonus" badge on the product page. Offers are limited-time and change regularly. You must be a Prime member to qualify for these bonuses.
No. The Prime Visa card has no foreign transaction fees, making it useful for international travel and purchases from international Amazon sites (Amazon.co.uk, Amazon.de, etc.). You earn standard cash back rates on all international purchases.
Chase typically denies credit card applications if you have opened 5 or more credit cards (from any issuer) in the past 24 months. This is known as the 5/24 rule. If you are at or above this threshold, your Prime Visa application will likely be denied regardless of credit score. Check your credit report for recent hard inquiries before applying.
Comparison of all Amazon credit card options including Prime Visa, Amazon Visa (non-Prime), Amazon Business Card, and Amazon Prime Secured Card. Helps readers choose the right Amazon card.
Analysis of whether the Prime Visa is worth it given the required $139/year Prime membership. Compares earning potential against alternatives like Chase Ink Business Cash for Amazon spending.
NerdWallet's comprehensive review of the Prime Visa with 4.6/5 rating. Covers earn rates, redemption options, Visa Signature protections, and breakeven analysis for the Prime membership cost.
Bankrate's 4.5/5 star review highlighting the Prime Visa as one of the best retail store cards. Covers Visa Signature Luxury Hotel Collection, concierge service, and no foreign transaction fees.
TPG's card page for the Prime Visa covering the 5% Amazon and Whole Foods earning rate, $150 welcome bonus, Visa Signature benefits, and comparison to other Amazon shopping strategies. Rated 3.5/5.
WalletHub's community-driven review of the Prime Visa with user ratings and expert analysis. Includes comparison to other cash back and store cards.
Detailed breakeven analysis calculating how much you need to spend at Amazon to justify the $139 Prime membership through 5% rewards. Includes card pairing strategies and alternative earning methods.
U.S. News review of the Prime Visa covering rewards structure, fees, benefits, and who the card is best for. Includes comparison methodology and rankings within cash back category.
Personal experience review from a Bankrate editor explaining how the Prime Visa fits into their wallet for Amazon and everyday spending. Includes real-world earning examples.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
