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If you want even more cash back on purchases at Amazon and Whole Foods Market, this is the card for you. This intro card has great benefits and no annual fee.
Amazon Prime Rewards Visa Signature
1% - 5%
Amazon
5%
Whole Foods Market
5%
Restaurants
2%
Gas
2%
Drugstore
2%
All other purchases
1%
Select Amazon purchases
10%
Fees and APR
Other features
$100
Statement credits
Our Verdict
Best Suited for:
Avid shopper 
You love a great bargain and know your way around a Neiman Marcus as well as a Target. You also love a good online shopping session. Finding a sale at your favorite store is great, but what you really love is a great cash back rewards program.
| Pros | Cons |
|---|---|
 No annual fee |  Low cash back on purchases made off Amazon |
| 0% promo intro APR | Purchase protection is only up to $500 per claim |
| Top category is Amazon, which can be used to make just about any purchase | Must be an Amazon Prime subscriber |
Comparing Amazon Prime Rewards Visa Signature with similar cards
Amazon Prime Rewards Visa Signature
Chase Freedom Unlimited®
American Express Blue Cash Preferred®
Beyond the basics
| Balance transfer intro APR | 19.24% – 27.24% |
| Cash advance APR | 25.24% – varies with the market based on the Prime rate |
| Foreign transaction fees | None |
| Loan APR | 19.24% – 27.24% |
| Late payment fee | up to $39 |
| Penalty APR | Maximum APR is 27.24% |
| Credit score required | 670+ |
Other offers
Travel accident insuranceAccidental death and dismemberment coverage up to $500,000 when using your card.
Lost luggage reimbursementIf you or an immediate family member have luggage that is lost or damaged by an airline carrier, each passenger is covered up to $3,000.-
Baggage delay insuranceYou are reimbursed up to $100 a day for 3 days to cover toiletries and clothing if luggage is delayed by 6 hours or more.
Travel emergency assistanceAccess to the Benefit Administrator for legal or medical referrals while on the road.-
Zero fraud liabilityYou are never held responsible for unauthorized purchases on your account.
Auto rental collision damage waiverWhen paying for rental cars using your card, you can decline the company’s collision insurance, as coverage is included for theft and collision damage for most rentals in the U.S. and abroad.
Roadside dispatchYou can call 1-800-847-2869 for any roadside issue you may have. Service fees will be quoted upon calling and charged to your card.
Extended warranty protectionAn additional year of warranty on eligible manufacturer warranties of three years or less.-
Purchase protectionNew purchases are covered against damage or theft for 120 days up to $500 per claim and $50,000 per account.
Visa Signature Luxury Hotel Collection and Concierge ServiceCardmembers always receive the best available rate, automatic room upgrades, complimentary Wi-Fi and access to the Visa Concierge Service 24 hours a day.
What we like about this card
The Amazon Prime Rewards Visa Signature Credit Card impresses with its robust cash back rewards, versatile spending categories, and a range of valuable benefits. Whether you're a frequent Amazon shopper, a food enthusiast, or a traveler, this credit card offers compelling advantages that make it a top choice for many consumers:
Generous cash back rewards
One of the standout features of the Amazon Prime Rewards Visa Signature Credit Card is its lucrative cash back rewards program. Cardholders can earn a robust 5% cash back on all eligible purchases at Amazon.com and Whole Foods Market. This elevated cash back rate makes it an excellent choice for frequent Amazon shoppers and individuals who prioritize organic and high-quality groceries from Whole Foods.
Competitive rewards on dining and entertainment
In addition to the impressive cash back rate on Amazon and Whole Foods purchases, this credit card offers competitive rewards in other categories. Cardholders earn 2% cash back at restaurants, gas stations, and local transit and commuting, making it a versatile choice for everyday expenses. Furthermore, it provides 1% cash back on all other eligible purchases.
Visa Signature benefits
As a Visa Signature card, this credit card provides access to a range of exclusive benefits, including extended warranty protection, auto rental collision damage waiver, and 24/7 concierge service. These perks add significant value to the overall cardholder experience and enhance the sense of security and convenience.
Introductory bonus and promotions
The Amazon Prime Rewards Visa Signature Credit Card often comes with an enticing introductory bonus for new cardholders. Additionally, Amazon occasionally runs promotions and discounts for cardmembers, offering even more opportunities to save money on purchases.
Syncs seamlessly with Amazon
The integration of the card with the Amazon ecosystem is seamless. Cardholders can easily apply their cash back rewards directly to their Amazon purchases during the checkout process, providing a hassle-free way to maximize the value of their rewards.
Variety of redemption options
In addition to the ability to redeem rewards daily at Amazon.com, you can also redeem through Chase.com for cash back, gift cards, or travel.
Drawbacks and considerations
While the Amazon Prime Rewards Visa Signature Credit Card offers a host of enticing benefits, it's essential for potential cardholders to be aware of some drawbacks and considerations before committing to this credit card. Here are key points to keep in mind:
Must have Prime membership
This card doesn’t charge an annual fee, but to take full advantage of the rewards and benefits of the card you must have an eligible Prime membership, which is $139 per year.
High APR for balance transfers and cash advances
While the card offers competitive rewards, it's important to note that the Amazon Prime Rewards Visa Signature Credit Card comes with a relatively high Annual Percentage Rate (APR) for balance transfers and cash advances. If you anticipate carrying a balance or need to use cash advances frequently, the interest charges can accumulate quickly, potentially offsetting the benefits of the cash back rewards.
Focused rewards categories
While the 5% cash back at Amazon.com and Whole Foods Market is a significant perk, the card's rewards structure may not cater to individuals with diverse spending habits. If you spend heavily in categories outside of Amazon and Whole Foods, such as travel or specific retail sectors, you might find that other credit cards offer more tailored rewards for your needs.
Credit score requirement
The Amazon Prime Rewards Visa Signature Credit Card is designed for individuals with good to excellent credit scores. If your credit history is less than stellar, you may not qualify for this card. It's important to check your credit score and creditworthiness before applying to avoid potential disappointment.
Foreign transaction fees for non members
While the card is marketed as a travel-friendly option due to its lack of foreign transaction fees, it's worth noting that this perk is contingent on maintaining an active Amazon Prime membership. Non-Prime members may still face foreign transaction fees, diminishing the card's appeal for those who don't subscribe to Amazon Prime.
How to decide if this card is right for you
Choosing the right credit card requires careful consideration of your spending habits, financial goals, and lifestyle. The Amazon Prime Rewards Visa Signature Credit Card offers a unique set of benefits, but it may not be the perfect fit for everyone. Here are some key factors to help you determine if this card aligns with your needs:
Evaluate your Amazon and Whole Foods spending
The most significant rewards come from the 5% cash back on purchases at Amazon.com and Whole Foods Market. Assess your regular spending at these retailers to gauge how much value you can derive from this feature. If you frequently shop on Amazon or purchase groceries at Whole Foods, the card's rewards structure can be highly advantageous.
Consider your overall spending categories
Review your monthly budget and spending patterns across various categories to ensure that your other significant spending categories align with the card's 2% cash back on dining, gas, and drugstore purchases. If your spending is diversified across other sectors, you may want to explore cards with more versatile rewards structures.
Assess the value of your Prime membership
To fully unlock the card's benefits, you must maintain an active Amazon Prime membership, which comes with an annual fee. Evaluate whether the perks of Amazon Prime, such as free shipping, access to Prime Video, and exclusive deals, align with your lifestyle. If you are already an avid user of Amazon Prime services, the additional annual fee may be justified by the overall value of the membership.
Determine your travel needs
If you frequently travel internationally, the Amazon Prime Rewards Visa Signature Credit Card's lack of foreign transaction fees can be a significant advantage. However, if you don't travel often or have other credit cards that offer comparable travel benefits, this feature may hold less weight in your decision-making process.
Consider your credit score
The Amazon Prime Rewards Visa Signature Credit Card is designed for individuals with good to excellent credit scores. Before applying, check your credit score to ensure you meet the eligibility requirements. If your credit score falls below the recommended range, you may want to explore other credit card options that better suit your current financial profile.
Found a perfect pair
Pair your Amazon Prime Rewards Visa Signature with Discover it Cashback
To get even more rewards, you could pair this card with another cash back card that emphasizes different categories than the Amazon Rewards card. The Discover It Cash Back card is another non annual fee card that gives 5% cash back on rotating categories each quarter. You get to choose which category you want, which sometimes includes Amazon, or it could be supermarkets, dining, travel, or grocery.
Methodology
Credello’s credit card reviews aim to provide readers with clear and unbiased information to help them choose the right credit card that aligns with their financial goals and needs. Our methodology emphasizes transparency, disclosure of any potential biases, and regular updates to ensure the information remains relevant and accurate for readers.The methodology used to review the best Wells Fargo Credit Cards relied on a number of factors, with the most prominent of those being:
- Assess the interest rates charged on outstanding balances.
- Evaluate the cost of owning the credit card, including any annual fees.
- Examine rewards programs, cashback offers, travel perks, and other cardholder benefits.
- Analyze introductory APR, balance transfer offers, and sign-up bonuses.
- Consider the card’s credit limit and its suitability for different financial needs.
- Review late fees, foreign transaction fees, and other charges.
- Determine the credit score needed to qualify for the card.
- Research the quality and accessibility of customer support.
- Assess security measures such as fraud protection and chip technology.
The product information provided here is based on research conducted up to a specific date and may have changed. For the latest and most accurate information, we recommend you to visit the respective card’s website before proceeding.
FAQs
JPMorgan Chase Bank issues Amazon Visa credit cards.
The rewards you earn with the Amazon Prime Rewards Visa Signature Credit Card can be conveniently redeemed through various options, primarily centered around maximizing your benefits on Amazon purchases:
1. Apply Cash Back at Checkout: The most straightforward way to use your rewards is by applying them directly to your eligible Amazon.com purchases during the checkout process. When making a purchase, you’ll be prompted to apply your available cash back balance.
2. Redeem for Gift Cards: The Amazon Prime Rewards card also allows you to convert your cash back rewards into Amazon gift cards. This provides flexibility in using your rewards, as gift cards can be applied to a wide range of products on Amazon. Keep in mind that the conversion rate may vary, so it’s advisable to check the current rates and terms.
3. Apply to Statement Credit: While the card is heavily associated with Amazon purchases, you do have the option to redeem your cash back rewards as a statement credit. This can help offset your credit card balance, providing a more generalized use of your rewards.
4. Withdraw as a Deposit: You can choose to have it deposited directly into your bank account.
Yes, the Amazon Prime Rewards Visa Signature Credit Card can contribute to building and improving your credit score. The activity on your Amazon Prime Rewards Visa Signature Credit Card is reported to the major credit bureaus (Experian, Equifax, and TransUnion). This includes information about your payments, credit utilization, and other key aspects of your credit behavior.
Yes, you can use your Amazon credit card anywhere that takes Visa, such as in the U.S. and in more than 150 countries worldwide. Unlike store cards tied to a particular retailer, you can use the Amazon Visa as a regular credit card.
Check out other popular cashback cards
American Express Blue Cash Preferred®
Card summary
Wells Fargo Active Cash®
Card summary
Chase Freedom Unlimited®
Card summary
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