Amazon Prime Rewards
Earn more on everyday spend.
At a Glance
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.
Cards That Earn Amazon Prime Rewards (2)
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.
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.