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3% Back at Amazon With $0 Annual Fee
Earn 3% back at Amazon.com, Amazon Fresh, and Whole Foods Market with no annual fee. Get a $50 Amazon Gift Card instantly on approval with no spend requirement. Pair 2% cash back on restaurants, gas, and transit with rewards that redeem instantly at checkout for 1 cent each.
$0
Annual Fee
50
Retail · Welcome Bonus
3X
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: 50 Retail
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Amazon | 3X | Core | any | None | |
| Whole Foods | 3X | Core | any | None | |
| Chase Travel | 3X | Core | portal | None | |
| All Travel Ultimate Rewards | 3X | 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 |
Earn 3% cash back on Amazon.com, Amazon Fresh, and Whole Foods Market purchases with no annual cap. One of the highest rates available without Prime membership.
Spend $200 monthly at Amazon and Whole Foods: earn $72 annually in cash back
Earn 3% cash back on all travel purchases including hotels, flights, and car rentals booked through Chase Travel. No restrictions or blackout dates.
Book a $2,000 vacation on Chase Travel: earn $60 in cash back
Earn 2% cash back at restaurants, bars, gas stations, and transit including rideshare. Three high-use categories with no caps or monthly limits.
Spend $150 monthly on gas and dining: earn $36 annually in cash back
Earn 1% cash back on purchases outside bonus categories with no caps or restrictions. Builds rewards on everyday spending like clothing, utilities, and more.
Spend $1,000 monthly on non-bonus categories: earn $120 annually in cash back
Benefits & Perks
Combined Protection Value
$576,944.95
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
With zero annual fee and a $50 instant welcome bonus, the Amazon Visa delivers 3% back at Amazon and Whole Foods while charging zero foreign transaction fees. Perfect for non-Prime Amazon shoppers seeking straightforward cash back.
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.
3% Back at Amazon With $0 Annual Fee
Earn 3% back at Amazon.com, Amazon Fresh, and Whole Foods Market with no annual fee. Get a $50 Amazon Gift Card instantly on approval with no spend requirement. Pair 2% cash back on restaurants, gas, and transit with rewards that redeem instantly at checkout for 1 cent each.
$0
Annual Fee
50
Retail · Welcome Bonus
3X
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: 50 Retail
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Amazon | 3X | Core | any | None | |
| Whole Foods | 3X | Core | any | None | |
| Chase Travel | 3X | Core | portal | None | |
| All Travel Ultimate Rewards | 3X | 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 |
Earn 3% cash back on Amazon.com, Amazon Fresh, and Whole Foods Market purchases with no annual cap. One of the highest rates available without Prime membership.
Spend $200 monthly at Amazon and Whole Foods: earn $72 annually in cash back
Earn 3% cash back on all travel purchases including hotels, flights, and car rentals booked through Chase Travel. No restrictions or blackout dates.
Book a $2,000 vacation on Chase Travel: earn $60 in cash back
Earn 2% cash back at restaurants, bars, gas stations, and transit including rideshare. Three high-use categories with no caps or monthly limits.
Spend $150 monthly on gas and dining: earn $36 annually in cash back
Earn 1% cash back on purchases outside bonus categories with no caps or restrictions. Builds rewards on everyday spending like clothing, utilities, and more.
Spend $1,000 monthly on non-bonus categories: earn $120 annually in cash back
Benefits & Perks
Combined Protection Value
$576,944.95
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
With zero annual fee and a $50 instant welcome bonus, the Amazon Visa delivers 3% back at Amazon and Whole Foods while charging zero foreign transaction fees. Perfect for non-Prime Amazon shoppers seeking straightforward cash back.
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.
3% Back at Amazon With $0 Annual Fee
Earn 3% back at Amazon.com, Amazon Fresh, and Whole Foods Market with no annual fee. Get a $50 Amazon Gift Card instantly on approval with no spend requirement. Pair 2% cash back on restaurants, gas, and transit with rewards that redeem instantly at checkout for 1 cent each.
$0
Annual Fee
50
Retail · Welcome Bonus
3X
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: 50 Retail
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Amazon | 3X | Core | any | None | |
| Whole Foods | 3X | Core | any | None | |
| Chase Travel | 3X | Core | portal | None | |
| All Travel Ultimate Rewards | 3X | 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 |
Earn 3% cash back on Amazon.com, Amazon Fresh, and Whole Foods Market purchases with no annual cap. One of the highest rates available without Prime membership.
Spend $200 monthly at Amazon and Whole Foods: earn $72 annually in cash back
Earn 3% cash back on all travel purchases including hotels, flights, and car rentals booked through Chase Travel. No restrictions or blackout dates.
Book a $2,000 vacation on Chase Travel: earn $60 in cash back
Earn 2% cash back at restaurants, bars, gas stations, and transit including rideshare. Three high-use categories with no caps or monthly limits.
Spend $150 monthly on gas and dining: earn $36 annually in cash back
Earn 1% cash back on purchases outside bonus categories with no caps or restrictions. Builds rewards on everyday spending like clothing, utilities, and more.
Spend $1,000 monthly on non-bonus categories: earn $120 annually in cash back
Benefits & Perks
Combined Protection Value
$576,944.95
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
With zero annual fee and a $50 instant welcome bonus, the Amazon Visa delivers 3% back at Amazon and Whole Foods while charging zero foreign transaction fees. Perfect for non-Prime Amazon shoppers seeking straightforward cash back.
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.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Coverage up to $60,000 for collision and theft when renting a car. Secondary in US, primary abroad. Vehicle MSRP max $125,000, 31-day rental limit.
Add 1 year to eligible warranties (3 years or less). Coverage up to $10,000 per item, $50,000 per account annually.
Get reimbursed up to $3,000 per person for lost, stolen, or damaged luggage. NY residents limited to $2,000 per bag, $10,000 per trip.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Covers new purchases against damage or theft for 120 days, up to $500 per claim and $50,000 per account.
Get reimbursed up to $100 per day for essential purchases when checked baggage is delayed 6+ hours, covering up to 3 days ($300 maximum).
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).
Save up to 25% on Avis and Budget rentals with complimentary upgrades and expedited pickup membership.
Zero Liability means you won't be held responsible for unauthorized charges made with your card or account information.
When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage
24/7 roadside help: jump-start, lockout, towing (5 miles), tire change, fuel delivery. $69.95 flat fee per service call.
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.
NerdWallet's in-depth review of the Amazon Visa with cashback analysis and comparison to competing cards.
Official Chase Amazon Visa page with complete terms, conditions, and current offer details.
CNBC Select coverage of Amazon credit card updates and changes in recent years.
Bankrate's complete review of the Amazon Visa with benefits breakdown and recommendation for different spending profiles.
Doctor of Credit's comprehensive review with detailed analysis and credit requirements for approval.
Forbes Advisor review of the Amazon Visa covering cashback rates, welcome bonus, and suitability for different spending patterns.
U.S. News comprehensive 2026 review of the Amazon Visa with features, benefits, and comparison to competing cashback cards.
CreditCards.com detailed review with benefit highlights and comparison to competing Amazon and cashback cards.
WalletHub's comparative review of Amazon credit cards with detailed pros and cons analysis.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Coverage up to $60,000 for collision and theft when renting a car. Secondary in US, primary abroad. Vehicle MSRP max $125,000, 31-day rental limit.
Add 1 year to eligible warranties (3 years or less). Coverage up to $10,000 per item, $50,000 per account annually.
Get reimbursed up to $3,000 per person for lost, stolen, or damaged luggage. NY residents limited to $2,000 per bag, $10,000 per trip.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Covers new purchases against damage or theft for 120 days, up to $500 per claim and $50,000 per account.
Get reimbursed up to $100 per day for essential purchases when checked baggage is delayed 6+ hours, covering up to 3 days ($300 maximum).
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).
Save up to 25% on Avis and Budget rentals with complimentary upgrades and expedited pickup membership.
Zero Liability means you won't be held responsible for unauthorized charges made with your card or account information.
When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage
24/7 roadside help: jump-start, lockout, towing (5 miles), tire change, fuel delivery. $69.95 flat fee per service call.
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.
NerdWallet's in-depth review of the Amazon Visa with cashback analysis and comparison to competing cards.
Official Chase Amazon Visa page with complete terms, conditions, and current offer details.
CNBC Select coverage of Amazon credit card updates and changes in recent years.
Bankrate's complete review of the Amazon Visa with benefits breakdown and recommendation for different spending profiles.
Doctor of Credit's comprehensive review with detailed analysis and credit requirements for approval.
Forbes Advisor review of the Amazon Visa covering cashback rates, welcome bonus, and suitability for different spending patterns.
U.S. News comprehensive 2026 review of the Amazon Visa with features, benefits, and comparison to competing cashback cards.
CreditCards.com detailed review with benefit highlights and comparison to competing Amazon and cashback cards.
WalletHub's comparative review of Amazon credit cards with detailed pros and cons analysis.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Coverage up to $60,000 for collision and theft when renting a car. Secondary in US, primary abroad. Vehicle MSRP max $125,000, 31-day rental limit.
Add 1 year to eligible warranties (3 years or less). Coverage up to $10,000 per item, $50,000 per account annually.
Get reimbursed up to $3,000 per person for lost, stolen, or damaged luggage. NY residents limited to $2,000 per bag, $10,000 per trip.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Covers new purchases against damage or theft for 120 days, up to $500 per claim and $50,000 per account.
Get reimbursed up to $100 per day for essential purchases when checked baggage is delayed 6+ hours, covering up to 3 days ($300 maximum).
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).
Save up to 25% on Avis and Budget rentals with complimentary upgrades and expedited pickup membership.
Zero Liability means you won't be held responsible for unauthorized charges made with your card or account information.
When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage
24/7 roadside help: jump-start, lockout, towing (5 miles), tire change, fuel delivery. $69.95 flat fee per service call.
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.
NerdWallet's in-depth review of the Amazon Visa with cashback analysis and comparison to competing cards.
Official Chase Amazon Visa page with complete terms, conditions, and current offer details.
CNBC Select coverage of Amazon credit card updates and changes in recent years.
Bankrate's complete review of the Amazon Visa with benefits breakdown and recommendation for different spending profiles.
Doctor of Credit's comprehensive review with detailed analysis and credit requirements for approval.
Forbes Advisor review of the Amazon Visa covering cashback rates, welcome bonus, and suitability for different spending patterns.
U.S. News comprehensive 2026 review of the Amazon Visa with features, benefits, and comparison to competing cashback cards.
CreditCards.com detailed review with benefit highlights and comparison to competing Amazon and cashback cards.
WalletHub's comparative review of Amazon credit cards with detailed pros and cons analysis.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
