Prime Visa
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.
- Annual Fee
- $0
- gift card · Welcome Bonus
- $150
- Highest rate (conditional)
- Up to 10% (Amazon)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Authorized User Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Visa Signature
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Good to Excellent
Welcome Offer
Bonus: $150 gift card
Earning Rates
- 5%
Amazon
5% back at Amazon.com (including Amazon Fresh orders and Audible.com) with an eligible Prime membership — No annual cap
- 5%
Whole Foods
5% back at Whole Foods Market (Prime members) No annual cap
- 5%
Chase Travel
5% back on Chase Travel purchases with an eligible Prime membership (3% without) No annual cap
- 2%
Gas Stations
2% back at gas stations — No annual cap (assumed same structure as Amazon Visa)
- 2%
Transit
2% back on local transit and commuting — No annual cap (assumed same structure as Amazon Visa)
- 2%
Dining
Earn 2% back at restaurants
- 10%
AmazonLimited time
Prime Card Bonus - 10% back or more on a rotating selection of items and categories on Amazon.com; limited-time offers
- 1%
All Other
1% back on all other purchases — No annual cap
Earning Scenarios
5% Back at Amazon.com and Whole Foods
A household spending $500/month at Amazon and Whole Foods earns $300/year in rewards, which can offset much of the cost of a Prime membership.
2% Back on Gas, Dining, and Transit
Spending $400/month on gas, restaurants, and commuting earns $96/year on top of your Amazon rewards.
1% Back on Everything Else
Even non-category spending of $1,000/month adds $120/year in rewards, all redeemable at Amazon checkout.
Benefits & Perks
Insurance & Protections
2 protections$500 per claim on damage or theft
$500
Covers new purchases for 120 days against damage or theft up to $500 per claim.
Up to $500,000 travel accident coverage
$500,000
Automatic coverage for accidental death or dismemberment when paying for air, bus, train, or cruise transportation with your card
Dining Out
2% cash back at restaurants
$2 back on a $100 dinner
No annual fee
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 2%, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Reviews & Analysis
Third-Party Rankings & Ratings
3 sourcesHow It Compares
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.
Editorial Review
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.
Key Takeaways
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.
Why This Card Could Be Right For You
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.
Read full review (2 more sections)
When The Usual Advice Doesn't Apply
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
How The Amazon Prime Visa Credit Card Fits In The Other Point System Ecosystem
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 Business Cash card also offers a 75,000-point sign-up bonus, which far exceeds this card's $150 Amazon Gift Card.
Pros and 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)
- +No foreign transaction fees for international purchases
- +Instant redemption at Amazon checkout - 1 point = 1 cent
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
Who It's Best For
Best For
- Heavy Amazon.com, Audible and Amazon Fresh shoppers who are existing Prime members
- Whole Foods Market regular customers seeking maximum grocery rewards
- Online shoppers who want instant points redemption at checkout
- Travelers who book through Chase Travel portal for 5% back
- Frequent diners and commuters who benefit from 2% bonus categories
Not Ideal For
- Non-Prime members (the card needs an eligible Amazon Prime membership to earn 5%)
- Shoppers who prefer earning transferable points over Amazon-locked rewards
- Those seeking premium travel benefits like lounge access or elite status
- Users who want rewards usable outside Amazon ecosystem
The Math: Is $0 Worth It?
First-year value includes $150 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Program & Transfers
Amazon Prime Rewards
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.
Program Ratings
Recent Changes & News
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.
Details & Terms
Payment Terms
| Purchase APR | 18.99%–27.74% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
FAQs
Do I need an Amazon Prime membership to get the Prime Visa card?
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%.
How quickly can I use my $150 welcome bonus?
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.
Can I use my cash back rewards at Whole Foods stores?
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.
What is the Prime Card Bonus and how does it work?
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.
Does the Prime Visa card have foreign transaction fees?
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.
How does the Chase 5/24 rule affect my chances of approval?
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.
Media & Resources
Video Reviews
8 videosThe Truth: Amazon Prime Credit Card FULL HONEST REVIEW Pros, Cons
The One Cash-Back Card I'll Never Give Up! | Why the Amazon Prime Visa Belongs in Every Wallet
The HIDDEN Benefits of Chase Amazon Prime Visa Card Nobody Tells You
Amazon Prime Visa Card (2025 Review After 8 Years of Use)
Amazon Prime Card 2025: 1 Year Later: HONEST Review Pros, Cons
Amazon Prime Visa Review - Is It Really worth It? (2026)
Prime Visa Card Review | Worth It In 2026?
Third-Party Articles & Reviews
Amazon Credit Cards: What Are Your Options and Which Is Right for You?
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.
Prime Visa
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.
Is the Prime Visa credit card worth the cost?
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.
Amazon Prime Visa Review: Perhaps the Ultimate Store Card
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.
Prime Visa Card Review
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.
Is the Amazon Prime Visa Worth It? 2026 Breakeven Math
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.
Prime Visa Reviews: Is It Worth It? (2026)
WalletHub's community-driven review of the Prime Visa with user ratings and expert analysis. Includes comparison to other cash back and store cards.
Amazon Prime Visa Offers Ample Points For Online Shopping
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.
Prime Visa 2026 Review
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.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Chase | — | Chase |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page | |
| Chase | — | Chase |
| Chase | Chase |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
