Best in Class
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Amazon Prime Visa Credit Card Review
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.
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 Cash card also currently offers a 75,000-point sign-up bonus, which far exceeds a $100 Amazon Gift Card.
Card Information
Bonus Points
15,000
Minimum Spend
$0 / 3mo
Point Value
0.8 ¢
Annual Value
Annual Fee
$0
1st Year Value
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Differentiating Perks
5% Cash Back on Amazon Purchases
5% Cash Back on Whole Foods Market
2% Cash Back on Restaurants
2% Cash Back on Gas Stations
2% Cash Back on Transit & Rideshare
Rules
Card Benefits
No benefits are available for this card.
Historical Card Offers
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Average Frequency
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Average Offer Length
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Estimated Next Offer
Start Date
Offer Length
Bonus
Minimum Spend
Spend Categories
4¢
Per Dollar
Spent
Spent
4¢
Per Dollar
Spent
Spent
1.6¢
Per Dollar
Spent
Spent
1.6¢
Per Dollar
Spent
Spent
1.6¢
Per Dollar
Spent
Spent
0.8¢
Per Dollar
Spent
Spent
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
