Amazon Prime Visa Credit Card Review
Key Takeaways
At first glance, the spending multipliers on the Amazon Prime Rewards Visa card look attractive, especially if you shop frequently on Amazon. Combined with a 15,000 point welcome offer in the form of an Amazon gift card and no annual fee, the card can seem compelling. However, there are more rewarding ways to maximize Amazon spending, particularly with cards that earn transferable points or offer larger welcome bonuses and more flexible redemption options.
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 15,000 points in the form of an Amazon gift card as a sign-up bonus. There is no annual fee for this card, and it offers several points multipliers:
- 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.
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 also the Amazon Business Prime Card from American Express. It offers 12,500 points in the form of an Amazon Gift Card as a welcome offer and has no annual fee, though its spending multipliers differ slightly from the personal version.
If your goal is maximizing Amazon spending, though, the stronger strategy is usually the Chase Ink Business Cash card. It earns 5x points at office supply stores like Staples, where you can buy Amazon gift cards. Since Chase points can be worth up to 1.65¢ each, this effectively works out to roughly 9% back instead of Amazon’s standard 5%.
The Ink Cash also offers a much larger 75,000 point sign-up bonus, which easily surpasses the Amazon gift card bonuses offered by either Amazon card.
Card Information
Differentiating Perks
Rules
Historical Card Offers
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Estimated Next Offer
Amazon Prime Visa Application Rules
Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months.
You'll be declined if you apply for a third Chase card of any kind within 30 days
Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months
