Amazon Visa
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.
- Annual Fee
- $0
- gift card · Welcome Bonus
- $50
- Highest rate (conditional)
- Up to 3% (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: $50 gift card
Earning Rates
- 3%
Amazon
3% back at Amazon.com (including Amazon Fresh orders and Audible.com) No annual cap
- 3%
Whole Foods
3% back at Whole Foods Market — No annual cap
- 3%
Chase Travel
3% back on Chase Travel purchases — No annual cap
- 2%
Gas Stations
2% back at gas stations — No annual cap
- 2%
Transit
2% back on local transit and commuting (including rideshare) No annual cap
- 2%
Dining
Earn 2% back at restaurants
- 1%
All Other
1% back on all other purchases — No annual cap
Earning Scenarios
3% Back at Amazon and Whole Foods Year-Round
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
3% Back on Chase Travel Portal Bookings
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
2% Back at Restaurants, Gas Stations, and Transit
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
1% Back on All Other Purchases
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
Insurance & Protections
3 protections120-day purchase protection up to $500/item
$500
primary
Covers new purchases against damage or theft for 120 days, up to $500 per claim and $50,000 per account.
Zero Liability Protection
Zero Liability means you won't be held responsible for unauthorized charges made with your card or account information.
Travel Accident Insurance
$500,000
primary
When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage
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
4 sourcesHow It Compares
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.
Pros and Cons
Pros
- +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
- +Instant redemption at Amazon checkout
Cons
- -Lower Amazon/Whole Foods earn rate than Prime Visa
- -Rewards locked to Amazon ecosystem
- -Only 1% back on non-category purchases
Who It's Best For
Best For
- Amazon.com and Whole Foods shoppers who don't have Prime
- Shoppers who want a $50 gift card on approval with no spend requirement
- Cardholders who want 2% back on gas, restaurants, and transit
- Users who redeem rewards at Amazon checkout
- Travelers who book through Chase Travel for 3% back
Not Ideal For
- Prime members who can earn 5% with the Prime Visa
- Shoppers who prefer transferable points over cash back
- Those seeking premium travel benefits like lounge access
- Users who want more than 1% on non-bonus purchases
The Math: Is $0 Worth It?
First-year value includes $50 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 About The Amazon Credit Card (Full Review)
Amazon Prime Visa vs Amazon Credit Card: Which Should You Get?
Prime Visa Card Review | Worth It In 2026?
DON'T Get The Amazon Prime Visa Card Until You Watch This!
Amazon Visa Credit Card Review (Get $70 + 5% Back)
Amazon Credit Card Review
Amazon Prime Visa Review - Is It Really worth It? (2026)
Third-Party Articles & Reviews
Amazon Visa Card Review
NerdWallet's in-depth review of the Amazon Visa with cashback analysis and comparison to competing cards.
Amazon Visa Card Details and Offer
Official Chase Amazon Visa page with complete terms, conditions, and current offer details.
Amazon's Credit Cards Are Getting an Upgrade
CNBC Select coverage of Amazon credit card updates and changes in recent years.
Amazon Visa Credit Card 2026 Review
U.S. News comprehensive 2026 review of the Amazon Visa with features, benefits, and comparison to competing cashback cards.
Amazon Visa Credit Card Review
Doctor of Credit's comprehensive review with detailed analysis and credit requirements for approval.
Amazon Visa Credit Card Review
Forbes Advisor review of the Amazon Visa covering cashback rates, welcome bonus, and suitability for different spending patterns.
Amazon Visa Credit Card Details
CreditCards.com detailed review with benefit highlights and comparison to competing Amazon and cashback cards.
Amazon Visa Credit Card Review: Is It Worth It?
Bankrate's complete review of the Amazon Visa with benefits breakdown and recommendation for different spending profiles.
Amazon Credit Card Reviews (2026)
WalletHub's comparative review of Amazon credit cards with detailed pros and cons analysis.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Chase | — | Chase |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page | |
| Amazon Visa Page | — | Amazon Visa 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.
