This card is a solid option for individuals and families who have an eligible Amazon Prime account membership and do much of their shopping at Amazon.com and Whole Foods Market. Cardholders are entitled to 5% cashback at both establishments. On top of that, purchases made at restaurants, gas stations and drugstores earn 2% cash back, with all other purchases earning 1% cashback.
MoneyGeek’s Take
Amazon Prime Rewards Visa Signature Card Review
If you are an Amazon Prime member looking for a credit card that offers high cash back rewards, the Amazon Prime Rewards Visa Signature Card powered by Chase is the perfect choice for you. Cardholders will enjoy earning unlimited, high cash back rewards on virtually every purchase and have the flexibility to redeem their points on Amazon.com.
![Credit card image](https://res.cloudinary.com/moneygeek/image/upload/v1688479910/Amazon_Prime_Rewards_Visa_Signature_Card_a966c014d8.png)
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Doug Milnes, CFA
Head of Credit Cards at MoneyGeek
Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets. Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.
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Alene Laney
Finance Journalist
Alene Laney is an award-winning personal finance writer with over a decade of experience in media. Her works have been featured on Bankrate, Rocket Mortgage, GoBankingRates and Yahoo! Finance, among others. Laney has a degree in English literature, history from the University of Utah.
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Doug Milnes, CFA
Head of Credit Cards at MoneyGeek
Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets. Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.
![](https://res.cloudinary.com/moneygeek/image/upload/c_scale,q_auto:eco,f_auto,fl_lossy,w_100,b_white/v1630654707/Alene_Laney_26e3c3120c.jpg)
Alene Laney
Finance Journalist
Alene Laney is an award-winning personal finance writer with over a decade of experience in media. Her works have been featured on Bankrate, Rocket Mortgage, GoBankingRates and Yahoo! Finance, among others. Laney has a degree in English literature, history from the University of Utah.
Updated: June 10, 2024
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- We love the Amazon Prime Rewards Visa Signature Card because of its welcome bonus, high cash back rate on Amazon purchases and added perks. For starters, all cardholders get a $100 Amazon Gift Card soon after their applications’ approval. Not having to pay an annual fee is a definite advantage.As a Prime member, you earn 5% cash back when you use this card to make purchases through Amazon.com and Whole Foods Market. You get 2% back at gas stations, drugstores and restaurants, and 1% on all other purchases.Using this card outside of the country makes sense as it comes with no foreign transaction fees. Additional benefits include purchase protection, extended warranty protection, baggage delay insurance, travel accident insurance and lost luggage reimbursement.
Our credit card rating methodology at MoneyGeek follows a data-driven and unbiased process in creating comprehensive reviews and head-to-head comparisons of over 106 credit cards that are currently available in the market. We do this by independently gathering data from the Consumer Finance Protection Bureau’s database, standardizing data points for easy comparison, estimating average spend profiles, determining long-term value and regularly conducting data review and re-ranking.
Amazon Prime Rewards Visa Signature Card Overview
The Amazon Prime Rewards Visa Signature Card features several bonuses and zero-cap rewards that will make deal-seeking consumers extremely satisfied.
Quick Take
- $100 Amazon gift card as a welcome bonus
- High cash back for purchases at Amazon.com
- Rewards points can be easily redeemed for purchases at Amazon.com, and for cash back, gift cards and travel on Chase
- No foreign transaction fees
- Travel accident insurance
- Lost luggage reimbursement
- Baggage delay insurance
- Travel and emergency assistance
- Zero fraud liability
- Auto rental collision damage waiver
- Roadside dispatch
- Extended warranty protection
- Purchase protection
Important Card Details
MoneyGeek gives you a rundown of the Amazon Prime Rewards Visa Signature Card’s benefits, fees and interest rates to help you decide whether this card is suitable for you.
The table below shows the cashback rewards rates, APRs, fees, and other data included in the fine print to give you a clear picture of how this card stacks up against other cards.
Regular APR
Depending on your credit history and the market based on the Prime Rate, the variable APR of your Amazon Prime Rewards Visa Signature Card could range anywhere from 19.24% – 27.24%. This interest rate applies to all purchases and cash advances and is considered fairly high. Balance transfers also have the same APR, which is a good benefit, given that other issuers charge a higher APR for balance transfers.
Cash Back Reward Rate
The zero-cap cash back rate is where this card shines the most, especially for loyal Amazon and Whole Foods shoppers. Cardholders are entitled to unlimited 5% cash back for purchases on the two retailers, as well as to 2% cash back at restaurants, gas stations and drugstores and a 1% rebate on all other purchases.
Late Payment Fee
Typically, a cardholder is given 21 days to pay the credit card balance in full before being charged any interest. After this grace period, a late payment fee of $5 or 5% of the balance transfer amount (whichever is greater), up to $39. This is the usual cap that most credit card issuers charge for late payment.
Additional Benefits
The Amazon Prime Rewards Visa Signature Card has additional perks and benefits which include:
- Travel accident insurance: Frequent travelers will appreciate this benefit, which comes with accidental death or dismemberment coverage of up to $500,000 when you pay for your air, bus, train or cruise transportation with your card.
- Lost luggage reimbursement: Lost luggage can be reimbursed up to $3,000 per passenger.
- Baggage delay insurance: This reimburses you for essential purchases like toiletries and clothing for baggage delays over six hours up to $100 a day for three days.
- Travel and emergency assistance: If you need assistance while traveling, you can call the Benefit Administrator for assistance.
- Zero fraud liability: This security feature protects cardholders from any unauthorized purchases on the Amazon Rewards Visa Signature Card.
- Rental car insurance: Waiver for theft and collision damage for most rental cars in the U.S. and abroad. Coverage in the U.S. is secondary to personal insurance.
- Roadside Dispatch: You can call for roadside dispatch services such as a flat tire, needing a tow, or a jumpstart. Dispatch fees are billed to the card.
- Extended warranty protection: Warranty on an additional year, on eligible warranties of three years or less.
- Purchase protection: This covers new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
- Access to Visa Signature’s premium perks: Cardholders will enjoy having a worry-free vacation by having easy access to Visa Signature Luxury Hotel Collection and Visa Signature Concierge Service.
- Customer satisfaction: In J.D. Power’s 2021 U.S. Credit Card Satisfaction Survey, Chase ranked fourth among national insurers in terms of overall customer satisfaction and scored two points below the segment average.
How the Amazon Prime Rewards Visa Signature Card Compares To Other Cards
Although this card did not make it to our list of top-rated cash back credit cards for 2022, it is still a good option and able to match up with other cash back cards because of its zero annual and international transaction fees, as well as its high cash back rates, especially for purchases made on Amazon and Whole Foods. Ultimately, how this card compares with other cards depends on what you are looking for in a card and your use for it.
Below we feature a head-to-head comparison between Amazon Prime Rewards Visa Signature Card and another cash back credit card that is also backed by Chase.
How the Amazon Prime Rewards Visa Signature Card Compares
Amazon Prime Rewards Visa Signature Card
- Annual Fee: $0
- Cash Back Rate: 1%-5%
- 5% on purchases at Amazon and Whole Foods
- 3% on restaurants, gas stations and drugstore purchases
- 1% on all other purchases
- Purchase APR: 19.24% – 27.24% (variable)
- Welcome Bonus: $100 Amazon Gift Card available instantly upon card approval
- Mini Verdict: Best for frequent shoppers of Amazon and Whole Foods who want to enjoy unlimited and high cash back
Chase Freedom Unlimited®
- Annual Fee: $0
- Cash Back Rate: 1.5%-5%
- 5% on travel purchased through Chase Ultimate Rewards
- 3% on dining at restaurants, including takeout and delivery
- 3% on drugstore purchases
- 1.5% on all other purchases
- Purchase APR: 20.24% –28.99% (variable)
- Welcome Bonus: $200 rebate after you spend $500 on purchases in the first three months from opening the account
- Mini Verdict: Ideal for consumers with excellent credit who want to enjoy high cash back rates with zero cap
Frequently Asked Questions
You need a good to excellent credit score to qualify for the Amazon Prime Rewards Visa Signature Card.
Yes, it does.
Chase Bank administers the card approval process, which could take as long as two to four weeks.
If your application is instantly approved, you’ll be taken to a page with the Cardmember Agreement, the terms of your Amazon Rewards Visa Signature account and other information.
If your application is not approved instantly, you’ll be informed of the status after Chase Bank completes the review process, which usually takes two to four weeks after applying.
You will need to provide personal information (name, date of birth and Social Security Number), contact details (residential address, email address and phone number) and financial information (credit score rating, proof of annual income and monthly rent/mortgage) to apply.
This card is issued by Chase and based on J.D. Power’s 2021 U.S. Credit Card Satisfaction Survey, Chase ranked fourth among national insurers in terms of overall customer satisfaction and scored two points below the segment average. This is proof of the high level of customer service quality that Amazon Prime Rewards Visa Signature Cardholders could expect.
Yes, you may use the Amazon Store Card mobile app (powered by Synchrony Financial) or the Chase Mobile app to access your billing statements and pay your credit card bill. This app is available to both iOS and Android users.
The minimum credit limit on the Amazon Prime Rewards Visa Signature Card is $500, but your credit limit will depend on your credit score and income. You may request an increase in credit limit by calling Chase’s Amazon.com credit card customer service at (888) 247-4080 to be connected to a representative. You may also wait for Chase to automatically give you a credit limit increase without having to ask.
You have several options to freeze your account. You may block your card through the Chase mobile app or by logging in to your online account. Alternatively, you may set up personalized account alerts as an added security measure. The card also has $0 fraud liability.
Yes, it does. A few of the more popular credit card offerings under Chase Bank are Chase Sapphire Reserve Card, Chase Freedom Unlimited, Chase Freedom Flex℠ and Ink Business Preferred Credit Card.
About Doug Milnes, CFA
![Doug Milnes, CFA headshot](https://res.cloudinary.com/moneygeek/image/upload/c_scale,q_auto:eco,f_auto,fl_lossy,w_160/v1585262247/bbgpw5eliaweh29jfpd8.png)
Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.
Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.
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.