The Amazon Prime Rewards Visa Signature Card converts your regular spending at Amazon and Whole Foods into consistent rewards. Designed for eligible Prime members, this card adds measurable value where many households already spend the most. Whether you’re shopping for essentials or larger purchases, you earn cash back without tracking bonus categories. Issued by Chase, it also includes Visa Signature protections and security features — all with no separate annual card fee.
How It Compares to Other Cashback Cards
Standard cashback cards typically offer 1.5% to 2% on most purchases. The Amazon Prime Rewards Visa stands out by offering 5% back at Amazon.com and Whole Foods Market, delivering stronger returns in key Prime spending categories. Unlike rotating-category cards such as Discover it® Cash Back or Chase Freedom Flex℠, this card provides fixed rewards automatically — no enrollment or activation required.
Common Credit Card Types — And Where This One Fits
Flat-Rate Cashback Cards – Same rewards percentage everywhere. This card outperforms them for Amazon purchases.
Rotating Bonus Cards – Require category activation. The Prime card keeps rewards automatic.
Travel Rewards Cards – Valuable for flights and hotels but less focused on daily retail spending.
Store-Branded Cards – Often restricted to one retailer. This Visa is accepted anywhere Visa is used.
Credit-Building Cards – Helpful for starting credit but usually limited in rewards. The Prime card suits applicants with good to excellent credit.
Core Benefits of the Amazon Prime Rewards Visa
Reward Structure
- 5% back at Amazon.com and Whole Foods Market (with eligible Prime membership)
- 2% back at restaurants, gas stations, and drugstores
- 1% back on all remaining purchases
There are no reward caps, and earned cash back does not expire while the account remains open.
Redemption Options
- Use rewards directly at Amazon checkout
- Apply as statement credits or request direct deposit
- Redeem for travel or gift cards through Chase Ultimate Rewards
$0 Annual Fee (With Prime Membership)
While an active Prime membership is required for the 5% reward rate, the credit card itself carries no annual fee — offering strong value without added yearly cost.
Ongoing Everyday Advantages
- No foreign transaction fees for international purchases
- One-time welcome offer: $100 Amazon Gift Card upon approval (Prime required)
- No rotating categories or quarterly opt-ins
Simple Account Management Tools
- Real-time transaction alerts
- Contactless payment functionality
- Full control through the Chase Mobile App
- Auto-pay setup to help avoid missed payments
Protection and Security Features
- Zero Liability Protection against unauthorized charges
- Fraud alerts and digital card lock options
- Travel and purchase protections, including extended warranty coverage
Key Terms to Know
- Variable APR: 19.49% – 27.49% based on creditworthiness
- Annual Fee: $0 (with Prime membership)
- Foreign Transaction Fees: $0
- Balance transfer and cash advance fees may apply
Tip: Paying your balance in full each month helps you avoid interest and maximize rewards.
How to Apply
- Go to the official Amazon Prime Rewards Visa page.
- Sign into your Amazon Prime account.
- Complete the secure online application.
- Receive a decision quickly in most cases.
Once approved, your $100 Amazon Gift Card is automatically credited to your Amazon account.
Impact on Your Credit Profile
Using this card responsibly can contribute positively to your credit score. It reports monthly to major credit bureaus, and maintaining the account long term may support your average account age. Keep balances low and payments on time to protect your credit standing.
Take the Next Step
If you’re ready to earn higher rewards on your Amazon spending, click below and choose Apply Now to start your application today.