The Prime Visa is an excellent choice for anyone who is deeply involved in the Amazon universe or loves to travel. Its standout feature is the ability to earn significant rewards without the burden of an annual fee, making it a smart pick for savvy spenders. Whether you're a regular shopper on Amazon or at Whole Foods or enjoy exploring new places, this card ensures that your purchases work harder for you. Its attractive welcome bonus adds to its appeal, making it a top contender for those who want to get the most out of their everyday spending.
Prime Visa Review
Updated: September 7, 2024
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Prime Visa Card
Rewards Summary
Earn 1% – 5% cash backEarn 5% back on Amazon.com, Amazon Fresh and Whole Foods Market purchases with an eligible Prime membership, Unlimited 5 percent back on Chase Travel℠ purchases, 2% back on restaurant, gas station, and local transit and commuting purchases (including rideshares) and 1% back on other purchases.
APR
20.49% - 29.24%(variable)Annual Fee
$0Recommended Credit
670 – 850 (Good–Excellent)Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
The Prime Visa card is a compelling option for frequent Amazon shoppers and travelers. With a generous welcome offer and substantial cash back opportunities, especially on Prime-related purchases and travel, this card packs significant value. With no annual fee, users can maximize their rewards effortlessly. It's a fantastic choice for consumers spending in the Amazon ecosystem and those prioritizing travel rewards.
- PROS
- Welcome bonus offer
- Potentially high cash back
- No annual fee
CONS- Potentially high APR
- Requires Prime membership
- Highest rewards are limited to Prime purchases
- Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
- Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
- Earn Unlimited 5 percent back on Chase Travel℠ purchases
- Earn 2% back at gas stations, restaurants and on local transit, including rideshare
- Earn 1% back on all other purchases
- Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
- $0 annual fee ($139 Amazon Prime membership required)
- FDIC member
- APR ranges from 20.49% - 29.24% (variable)
Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Prime Visa Overview
When selecting a credit card, carefully examining its features is crucial, as they can significantly impact your financial habits and overall satisfaction with the card.
- Rewards rate - Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership, 2% back at gas stations, restaurants and on local transit, including rideshare and 1% back on all other purchases
- Welcome offer - Prime members get a $200 Amazon Gift Card instantly upon approval
- Regular APR - 20.49% - 29.24%(variable)
- Annual fee - $0
- Intro APR offer - None
Important Card Details
In evaluating the features of the Prime Visa, it's essential to consider both the tangible benefits and the subtler aspects that contribute to its overall value. From rewarding shopping habits to providing safety nets during travel and offering flexible redemption options, this analysis delves into how the card serves varied consumer needs.
Fees
One of the standout features of the Prime Visa is its lack of an annual fee. This is noteworthy as many rewards cards on the market often offset their benefits with yearly charges. By eliminating this cost, cardholders can realize the full value of their rewards without subtracting an annual fee. Terms Apply
Cash Back
The Prime Visa's cash back system is robust, catering mainly to frequent Amazon, Amazon Fresh and Whole Foods shoppers. The card offers an impressive 5% return on these purchases for Prime members. Additionally, you can earn 5% back on Chase Travel and a substantial 2% on dining, gas and transit. These rates compete favorably with other cards in its class, making it particularly lucrative for those who shop or travel often. Terms Apply
Welcome Bonus
Upon approval, receiving a $200 Amazon Gift Card is a compelling welcome bonus. This offers immediate value to cardholders and differentiates this card from others that might have a waiting period or spending threshold to earn their welcome rewards. Terms Apply
Eligibility
A potential limitation for some consumers is that the card's top benefits are reserved for Amazon Prime members. While this might narrow its appeal, it's a potent tool for the vast number of Prime users. For them, this card is a no-brainer, aligning with their shopping habits and offering tangible financial rewards. Terms Apply
How the Prime Visa Compares
In this comparison, we closely examine two popular credit cards, highlighting their distinctive features and benefits to help you make an informed decision tailored to your financial needs and lifestyle.
How This Card Compares
Prime Visa
- Rewards rate - Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership, 2% back at gas stations, restaurants and on local transit, including rideshare and 1% back on all other purchases
- Welcome offer - Prime members get a $200 Amazon Gift Card instantly upon approval
- Regular APR - 20.49% - 29.24% (variable)
- Annual fee - $0
- Intro APR offer - None
- Terms Apply
- Best for: Frequent Amazon and Whole Foods shoppers, regular travelers and those who value high cash back rates for specific categories without annual fees.
Blue Cash Everyday® Card from American Express
- Rewards rate - 3% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%), 3% cash back at U.S. gas stations (up to $6,000 per year in purchases, then 1%), 3% cash back on U.S. online retail purchases (up to $6,000 per year in purchases, then 1%) and 1% cash back general purchases
- Welcome offer - $200 statement credit after you spend $2,000 in the first six months
- Regular APR - 19.24%-29.99% Variable See Rates and Fees
- Annual fee - $0 See Rates and Fees
- Intro APR offer - 0% introductory APR for the first 15 months from the date of account opening, then 19.24%-29.99% Variable APR after that See Rates and Fees
- Terms Apply
- See Rates and Fees
- Best for: Regular shoppers at U.S. supermarkets and gas stations, online customers and those who value a lengthy introductory APR period and no annual fees.
For rates and fees of the Blue Cash Everyday® Card From American Express, please click here.
About Grace Pilling
Grace Pilling was the Senior Content Manager for Credit Cards at MoneyGeek. She previously led personal finance teams at Bankrate, CreditCards.com and MoneyUnder30.
Pilling has a bachelor's degree in English from Western Sydney University and a diploma in book editing, proofreading and publishing. She is focused on empowering readers to make informed financial choices that support their best lives, not a company’s bottom line.
*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.