Amazon Prime Visa Card Review 2023

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The Amazon Prime Visa is a good choice if you’re already an Amazon Prime member — and do quite a bit of online shopping. It comes with decent benefits for a no-annual-fee credit card, and its earning rates are exceptional.

Amazon Prime Visa Card Review: Is the It Best Credit Card for You?

Chase recently rolled out changes to its Amazon credit cards, including new names, bonuses, earning categories, and benefits. Formerly known as the Amazon Prime Rewards Visa Signature Card, the newly renamed Prime Visa is now even more valuable for Amazon shoppers. And there’s a new welcome bonus offer: $200 Amazon gift card upon approval of your credit card application.

If you’re an Amazon Prime member and spend a lot at Amazon, Whole Foods, or both, the Prime Visa is worth considering. Amazon Prime members earn 5% cash back on Amazon and Whole Foods purchases***, 5% cash back on travel booked through Chase***, 2% cash back at restaurants, gas stations, and local transit and commuting (including rideshare), and 1% back on all other purchases.

There’s no annual fee for Amazon Prime members, and because it’s a Visa Signature card, it offers solid benefits including extended warranty, purchase protection, and car rental insurance.

The card also offers a unique pay-over-time feature that can be useful if you want to avoid interest charges, but if you take advantage of this option, you won’t earn rewards for your purchase.

While this is a great card if you do the bulk of your spending at Amazon and/or Whole Foods, there are other credit cards that earn bonus cash back in a wider variety of categories that might be a better fit. Depending on your spending habits, a card with a flat earning rate everywhere, like the Wells Fargo Active Cash® Card (2% cash rewards on all purchases), could earn you more rewards overall. 

We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

Amazon Prime Visa Card Rewards

Welcome bonus offer

For a limited time, the Prime Visa is offering a $200 Amazon gift card upon approval of your credit card application. Rarely do cards offer welcome bonuses without some sort of minimum spending requirement. That’s a big improvement over the previous offer to earn a $150 Amazon gift card after approval.

How to earn points

The Prime Visa earns the most cash back on Amazon, Whole Foods, and Chase Travel Portal purchases. But to get this rate you must have an active Prime Membership ($139 per year for most members) and the card must be loaded as a method of payment on your Amazon account. If your Prime Membership lapses or your card isn’t loaded to your account, you’ll earn 3% back at Amazon and Whole Foods.

Cardholders earn:

• 5% cash back at Amazon, Whole Foods, and on travel purchased through Chase Ultimate Rewards®
• 2% cash back at restaurants (including takeout and delivery services if they’re classified as a restaurant merchant)
• 2% cash back at gas stations (paid for either at the pump or inside the station)
• 2% cash back on local transit and commuting (including rideshare, passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages)
• 1% cash back on all other eligible purchases

For a limited time, you can earn 10% cash back or more on select Amazon items marked as “Prime Card Offers” when using your card.

With the Prime Visa, you’ll actually earn rewards as points, with 100 points = 1 dollar. Note that you won’t earn bonus rewards for purchases made through international Amazon sites or certain third-party vendors.

How to use points

The simplest way to use rewards from the Prime Visa is to redeem them toward Amazon purchases at checkout. You can also request cash back as a statement credit or direct deposit to a linked bank account, or use points toward gift cards or travel.

Another positive change with the recent refresh to the card is that the rewards you earn on purchases will post daily and you can immediately use them. Previously, your earned rewards would only post to your account once per month. 

Amazon Prime Visa Card Benefits and Features

For a no-annual-fee card, the Prime Visa offers a solid range of benefits. 

Interest-free equal monthly payments

At Amazon checkout, you’ll have the option to select equal monthly payments (from six to 12 months) with a 0% APR on eligible purchases over $50 (then a 19.24% – 27.24% Variable APR).

You can set up monthly payments as follows:

• Purchases of $50 or more: Six equal monthly payments
• Purchases of $250 or more: 12 equal monthly payments

You won’t earn rewards if you go this route, but it’s a handy feature if you have a large Amazon purchase you want to pay for over time without incurring interest charges. Note that the full price will be charged to your card at the time of purchase; you’ll be responsible for the monthly payment amount which will appear on each statement.

Car rental insurance

When you decline the rental company’s collision insurance and charge the entire rental cost to your card, you’re covered for theft and collision damage on most cars. In the US, coverage is secondary to your personal insurance — otherwise, it’s primary car rental insurance.

Lost luggage reimbursement

When you pay for your fare with the Prime Visa and the carrier damages or loses your bags, you and your immediate family members could be covered for up to $3,000 per passenger. 

Baggage delay insurance

Credit card travel insurance like baggage delay insurance can give you peace of mind on a trip. If your bags are delayed for six hours or more, you could be reimbursed for essential purchases (like clothing and toiletries) up to $100 per day for up to three days.

Purchase protection

If an eligible item you’ve bought with your card is damaged or stolen within 120 days of purchase, the card’s purchase protection could make you eligible for up to $500 in reimbursement per claim, and up to $50,000 per account.

Extended warranty

Eligible items you purchase with the Prime Visa with a manufacturer’s warranty of three years or less can receive an additional year of extended warranty coverage.

Visa Signature concierge

The Visa Signature concierge can help you arrange things like hard-to-get restaurant reservations or theater tickets. It doesn’t cost anything to use the service, but any third-party costs are your responsibility.

Travel and emergency assistance services

Suppose you’re away from home and run into trouble. In that case, you’ll have access to a travel and emergency assistance hotline that can help arrange legal and medical referrals, prescriptions, translation services, and more. Keep in mind any third-party costs are your responsibility.

Roadside dispatch

Cardholders have access to a 24/7 roadside dispatch hotline which can help you arrange services like towing, winching, or jump-starting. The dispatch service itself is free, but you’ll be charged for any services rendered.

Travel accident insurance

When you pay for your air, bus, cruise, or train transportation with the card, you’re eligible for accidental death or dismemberment coverage of up to $500,000. Be sure to read the terms and conditions for details on what’s covered.

Amazon Prime Visa Card Annual Fee and Other Costs

The Prime Visa doesn’t have an annual fee as long as you have an Amazon Prime membership, and it doesn’t add foreign transaction fees, so it’s a good choice for international purchases. You’ll want to avoid carrying a balance on this card, because you’ll be charged interest (currently a 19.24% – 27.24% Variable APR).

Like most cards, it adds fees for other types of transactions, including:

• Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater
• Cash advance fee: Either $10 or 5% of the amount of each transaction, whichever is greater
• Late payment fee: Up to $39
• Returned payment fee: Up to $39

How the Amazon Prime Visa Card Compares

Prime Visa vs other Chase credit cards

*limited-time offer

***5% cash back at Amazon and Whole Foods requires a Prime Membership and that your card is loaded to your eligible Amazon account; otherwise earn 3% back on these purchases

Prime Visa vs other cash-back credit cards

*limited-time offer

***5% cash back at Amazon and Whole Foods requires a Prime Membership and that your card is loaded to your eligible Amazon account; otherwise earn 3% back on these purchases

****3% back on up to $6,000 spent at US supermarkets in a calendar year, then 1% back

Amazon Prime Visa Card Frequently Asked Questions

Methodology: How We Reviewed the Amazon Prime Visa Card

The Prime Visa is a cash back credit card. We also consider it to be one of the best credit cards for online shopping. Therefore, we pitted its benefits and earning rates against credit cards in the same arena.  

Thanks to an unparalleled return with Amazon and Whole Foods — as well as the ability to choose interest-free financing on many purchases — this card earned a solid 4.05 out of 5 stars.

You can read a full rundown of how we rate credit cards at Insider.

 

Jasmin Baron, CEPF

Editor

Joseph Hostetler, CEPF

Credit cards reporter

Angela Fung

Marketing Compliance Manager