The Amazon Prime Rewards Visa Signature Card is tailor-made for those who do a significant portion of their shopping online or at Whole Foods. With a generous 5% cash back at both, it rewards your existing habits — no points to track, no categories to activate. Plus, as a Visa Signature card backed by Chase, it comes packed with security, travel perks, and flexible redemption options — all with no annual fee for cardholders with a Prime membership.
How It Compares to Other Cards in the Market
Unlike generic cash-back cards that provide just 1.5% or 2% on all spending, this card offers tiered rewards with a clear focus: rewarding Prime members where they shop most. Rotating-category cards like Chase Freedom Flex or Discover it® Cash Back may offer similar rates on select categories, but require activation and tracking. The Amazon Prime card is hands-off — consistent rewards without the maintenance.
Understanding the 5 Common Credit Card Types
- Tiered Rewards Cards – This card belongs here, offering different rates by category, with an industry-leading 5% on Amazon and Whole Foods.
- Flat-Rate Cards – Provide 1.5%-2% everywhere, but lack the high-earning potential of niche categories.
- Retail-Specific Store Cards – Typically only usable at one retailer; this Visa works globally.
- Cash-Back Cards with Rotating Categories – Can offer higher rates, but only in narrow windows.
- Travel Cards – Better suited for travelers; the Prime card shines in everyday retail.
Card Details: Amazon Prime Rewards Visa Signature
Reward Rates
- 5% back at Amazon.com and Whole Foods Market (with an eligible Prime membership)
- 2% back at restaurants, gas stations, and drugstores
- 1% back on all other purchases
There’s no cap on earnings, and rewards do not expire while your account remains open.
Redeem How You Want
- Apply points at checkout on Amazon.com
- Convert to cash back as statement credit or direct deposit
- Redeem for travel, gift cards, or merchandise via Chase Ultimate Rewards
Prime Membership Required
To earn the 5% tier, an active Prime membership is necessary. The card itself, however, has no annual credit card fee.
More Than Just Rewards — Built-in Value
- $100 Amazon Gift Card upon approval (no minimum spend required)
- No foreign transaction fees — great for international purchases
- Zero cap on rewards — earn as much as you spend
- Extended warranty and purchase protection on eligible items
Manage Your Finances with Smart Tools
- Track activity and pay bills via the Chase Mobile app
- Real-time transaction alerts help guard against fraud
- Use tap-to-pay technology for faster checkout in-store
- Set custom payment alerts and auto-pay to never miss a due date
Chase and Visa Signature Security Features
- Zero Liability Protection means you won’t pay for unauthorized charges
- Fraud alerts and card lock give you real-time control
- Travel accident insurance, lost luggage reimbursement, and extended warranty coverage included
Key Terms & Rates
- Variable APR: 19.49% – 27.49%, depending on credit
- Annual Fee: $0 (Prime membership required for 5% back)
- Cash Advance/BT Fees: Apply if used
- Foreign Transaction Fee: None
How to Apply
To get started:
- Go to the Amazon Prime Rewards Visa application page.
- Sign in with your Amazon Prime account.
- Complete the online form — most applicants receive a decision within minutes.
- If approved, your $100 Amazon Gift Card will be credited to your Amazon account instantly.
Impact on Your Credit
This card is a great way to build long-term credit health. It reports to all three major credit bureaus, helping improve your credit with consistent, responsible use. The lack of an annual fee also makes it easier to maintain over time — boosting your credit age and lowering utilization if managed well.
