Amazon prime chase visa -
A $200 Amazon gift card and 10% back on purchases: The Amazon Prime Rewards Visa Signature Card is great for holiday shoppers
Editor’s note: This post has been updated with the latest credit cards information and benefits.
Amazon Prime Rewards Visa Signature Card overview
The Amazon Prime Rewards Visa Signature is a solid earner, featuring a 5% return on all Amazon and Whole Foods purchases; 2% on restaurant, gas station and drugstore purchases; and 1% back on everything else, making it a strong contender for those who spend big with Amazon companies. Card rating*: ⭐⭐⭐½
*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
The holidays are right around the corner — which means that Black Friday and Cyber Monday are also rapidly approaching. To kick off this holiday shopping season, Amazon and Chase are offering exclusive promotions on their cobranded credit cards, the Amazon Prime Rewards Visa Signature Card and the Amazon Rewards Visa Card, and both are offering some of their richest sign-up bonuses yet.
What’s the difference between the two? While neither card charges an annual fee, you can only apply for the former if you are a current Amazon Prime member while the latter is open to the general public. So, you can think of your Prime membership fee of $119 per year as your credit card annual fee if you have the Amazon Prime Rewards Visa.
Starting today, Nov. 17, until the end of the month, eligible Amazon Prime members who apply for the Amazon Prime Visa Signature card will receive a $200 Amazon gift card immediately upon approval. If you’re not a Prime member and decide to opt for the Amazon Rewards Visa Card instead, you’ll instantly receive a $100 Amazon gift card if you’re approved.
Additionally, Prime cardholders will earn a whopping 10% back in rewards on select products from eligible Amazon gift guides.
In this post, we’ll review the Amazon Prime Rewards Visa Signature Card and see if it’s worth applying for, especially if you’re looking to save big on your online shopping this holiday season.
The information for the Amazon Prime Rewards and the Amazon Rewards cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
In This Post
Who is this card for?
The Amazon Prime Rewards Visa Signature is meant for those who participate significantly in Amazon’s ecosphere. Available exclusively for Amazon Prime members, it rewards those loyalists with best-in-class earnings of 5% back on purchases on the Amazon website and at the Whole Foods grocery store chain. As a no-annual-fee card, it’s an obvious contender for a spot in your wallet if you’re a Prime member anyway, and deserves respect from even the most hard-core points-and-miles enthusiasts. After all, who doesn’t shop at Amazon at this point?
However, the card lacks the ability to transfer rewards to travel partners (and thus gain extra potential value for your points), which means that outside those 5% bonus categories, you’re probably better off with another card. It also is subject to Chase’s 5/24 rule, which means if you’ve opened a lot of other cards in the past two years, you might not be approved for it until you fall back below that limit.
The card offers a solid return on purchases made within Amazon’s wheelhouse, but it is best suited for those who prefer simplicity in their credit card rewards and aren’t interested in maximizing every dollar they spend.
Sign-up bonus: $200 Amazon gift card
At the moment, the Amazon Prime Rewards Visa Signature is offering one of its best-ever bonuses — a $200 Amazon gift card valid for purchases at Amazon that is available as soon as you are approved. That’s up from the previous $70-$150 in Amazon gift cards we’ve seen historically.
For its part, the Amazon Rewards Visa Card is offering a $100 Amazon gift card valid for purchases at Amazon that is available as soon as you are approved. That’s not nearly as attractive and you will probably be better off joining Prime and getting the higher-end card.
Main benefits and perks
The Amazon Prime card features several solid consumer-focused benefits.
Among them, its purchase protection ranges up to $500 per claim and $50,000 per account, while its extended warranty protection provides an additional year of coverage on eligible purchases with a manufacturer’s warranty of three years or less.
The card also has a host of benefits for travelers, including no foreign transaction fees, travel and emergency service, lost luggage reimbursement (up to $3,000 per passenger for you and your immediate family), baggage delay insurance (up to $100 per day for three days if delayed by six or more hours), travel accident insurance and roadside dispatch (for a fee).
It also includes auto rental collision damage coverage — although unlike credit cards such as the Chase Sapphire Preferred Card, which offer primary rental car coverage, this card only offers secondary car insurance, which kicks in after filing with your personal insurance company.
These benefits come as a result of its Visa Signature status, which also provides access to the Visa Luxury Hotel Collection. This allows members to book more than 900 hotels around the world with perks that imitate elite status, such as room upgrades and late checkout. You’ll also be able to use the Visa Signature Concierge Service, which can help you with a variety of requests.
How to earn points
The main perk of this card is its spending structure. It offers a 5% return on Amazon and Whole Foods purchases. However, it only earns 2% back at restaurants, gas stations and drugstores, which is similar to other no-annual-fee credit cards.
Purchases made anywhere else earn a flat 1% back. This adds up to a fairly generous return on spending, but those who don’t already have Amazon Prime will need to consider whether the $119 annual cost for the subscription is worth it, especially if they don’t shop with Amazon often.
The reason it might make sense right now is that Prime cardholders can earn a phenomenal 10% back on select products from eligible gift guides, which can be found here, now through Dec. 20, 2021.
Among the gift guide categories offering this return are toys; computers, tablets and gaming accessories; home goods; kitchen wares; office products; and more.
Depending on what you plan to purchase this holiday season and how much you expect to spend, you could walk away with real savings by taking advantage of these offers.
How to redeem points
When you’re ready to redeem the points you’ve earned with the Amazon Prime Visa, there are a number of different tracks you can take. No matter what you do, you’ll receive a flat value of 1 cent per point for your redemptions. The easiest method is simply redeeming your rewards for Amazon purchases. There is no minimum amount of points required, and you can use them for all or part of your purchase.
If you’d prefer cash back, you can deposit your rewards straight to your Chase account. You can also redeem for gift cards with a minimum of 2,500 points.
Perhaps the most intriguing and least-talked-about option is the ability to redeem your points for travel through Chase, although you’ll have to call in to use your points. Here you get a value of 1 cent per point, so it’s not as much as if you had the Chase Sapphire Reserve, which lets you redeem points at 1.5 cents each through the Chase Ultimate Rewards portal.
But you’re not missing out on value with this card in particular by redeeming points for travel versus Amazon purchases. And airfare purchased through a third-party site will still accrue bonus miles and elite credit, in addition to granting elite status perks you’ve earned on the airline. The same can’t be said for hotels, which will often disqualify bookings made via online travel agencies from any kind of earning.
The Chase travel portal also offers tours and activities, which means that you can finance an entire vacation with points earned from your Amazon Prime Visa. At a 5% earning rate, these points will stack up quickly.
You won’t find a better return on your spending at Amazon and Whole Foods with other credit cards, though there are some products that come close.
The Blue Cash Preferred® Card from American Express
The Blue Cash Preferred Card from American Express offers 6% back on U.S. supermarket purchases (on up to $6,000 in purchases per calendar year, then 1%). It’s a fairly lucrative card overall, also offering 6% on select streaming services in the U.S. and 3% on transit and gas stations. Cash back is received in the form of Reward Dollars that can be redeemed for statement credits. The card comes with a $0 introductory annual fee for the first year, then $95 (see rates and fees).
The Amex EveryDay® Preferred Credit Card from American Express
The Amex EveryDay Preferred Credit Card earns 3 Membership Rewards points on U.S. supermarket purchases (on up to $6,000 a year). It also accrues 2 Membership Rewards points per dollar at U.S. gas stations and 1 point per dollar on other purchases. Plus, when you use the card to make 30 transactions or more per billing period, you get a 50% points bonus, which can really improve your earning potential.
What’s more, this card earns Membership Rewards points that you can transfer to the program’s various airline and hotel partners, making it a strong choice for folks who want to rack up rewards for travel, specifically, rather than just cash back.
The annual fee is $95.
The information for the Amex EveryDay Preferred card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Chase Freedom Unlimited
If you’re not a Prime subscriber and still want a solid return on your spending, your best bet would be to go with the Chase Freedom Unlimited. The Freedom Unlimited provides 1.5% cash back on non-bonus purchases (but 5% on travel booked through Ultimate Rewards, and 3% on dining and drugstores).
You could potentially double the value of your rewards by pairing the Freedom Unlimited with a Chase Sapphire Reserve, Chase Sapphire Preferred Card or Ink Business Preferred Credit Card. By doing so, you’ll be able to redeem your cash back as full-fledged, transferable Ultimate Rewards points, worth 2 cents apiece, based on TPG’s monthly points valuations.
The card has no annual fee.
If you’re a big Amazon shopper who already subscribes to Prime, the Amazon Prime Rewards Visa Signature could be a good option for you — especially with a $200 gift card on the line. With an unbeatable 5% return on Amazon and Whole Foods purchases and a simple redemption system, this card is geared to those who prefer to stay away from the intricacies of points and miles, opting instead for the ease of using a no-annual-fee credit card that earns cash back.
Additional reporting by Stella Shon.
Featured photo by The Points Guy.
For rates and fees of the Blue Cash Preferred card, click here.
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What Is Needed to Confirm the Receipt of Your Amazon Visa?
By Amy McNulty
The Amazon Visa Rewards credit card is a line of credit usable wherever Visa cards are accepted. The purchaser earns one point for every dollar spent. However, she earns bonus points for special purchases: three points for every dollar spent on Amazon and two points for every dollar spent at restaurants, gas stations, drug stores and office supply stores. To start using your Amazon Visa, you must first confirm its receipt.
Even if you already have a card with the same number and are simply awaiting a card with a new expiration date, don't confirm the card until you have the new card in your hand. This reduces the chances that someone can steal and use your card should it get lost in the mail. You'll receive your card in the mail approximately two weeks after approval.
When you receive the Amazon Visa Rewards card in the mail, you'll see a sticker affixed to the front reminding you to sign the back of the card and directing you to a confirmation phone number to confirm the receipt of your card and to activate it. Dial this toll-free number from the same phone line that you provided on your application; the computer program must recognize that you're calling from that number to activate your card.
Last Four Digits
When you call the number on the front of your Amazon Rewards Visa, you won't need to speak with an operator unless you choose to enroll in optional programs such as Chase QuickPay. Instead, a computer operator will ask you to punch in the last four digits of your credit card number on a touch-tone phone. The phone line you're calling from must be the one that you provided on your application.
Complete the Call
Listen to the rest of the computer operator's menu options before you exit the call. Press "1," "2" or "3" as instructed to enquire about optional credit card programs or to decline the opportunity to enroll. Hang up only after the computer operator says that your card has been activated and instructs you to end the call. Remove the sticker from your credit card and sign the back of the card. You can use it immediately.
Amy McNulty has worked as a freelance writer since 2005. She has written for "Chocolate Zoom" and "The Japanese Tutor" among others. McNulty received a Bachelor of Arts in English with honors from Carthage College, where she also pursued minors in Asian studies and French.
3 Ways To Pay Your Amazon Credit Card Bill
Credit Cards / Retail
mrmohock / Shutterstock.com
An Amazon credit card gives you even bigger buying power at one of the world’s top shopping sites. With new and used products from both third-party sellers and its own massive inventory, the global retailer has something for everyone and provides a bevy of financial benefits with its branded card.
The Amazon Store Card can be used for most purchases on Amazon.com and Amazon-branded physical stores. Plus, if you opened your account before Jan. 1, 2021, you can use the card at merchants that accept Amazon Pay. Cardholders are also eligible for interest-free purchases for six, 12 or 24 months by making equal monthly payments. Plus, Amazon Prime Store Card users can earn 5% back in statement credits or Amazon rewards points on Amazon.com purchases.
After using your Amazon Store Card, you’ll need to pay your bill. Find out your options so you can avoid making a late payment.
How To Make Your Amazon Credit Card Payment Online
Whether you want to make a minimum payment or pay off your Amazon credit card balance, this popular Amazon credit card bill-pay option requires you to log in to your account at the Synchrony Bank Amazon online credit center. Follow these steps to make a one-time payment:
- Log in to your account.
- Place your cursor over “Payments” and then select “View and Make Payments.”
- Select whether you want to make a minimum payment or pay your current balance, statement balance or another amount.
- Select a payment date.
- Enter your bank’s routing number and your checking account number in the appropriate fields and confirm.
Synchrony also offers cardholders the option to “Pay as Guest,” which means you can pay without logging in to your account. To use this feature, you’ll need to enter your card number, Social Security number and ZIP code.
How To Pay Your Amazon Credit Card Bill by Phone
You can make a payment of any size by calling Synchrony Bank’s automated payment system. You can also press zero to have a customer service representative assist you.
Here are the steps to pay your Amazon credit card bill by phone:
- Call Synchrony Bank at 866-634-8379.
- Wait for the prompts, and press two on your keypad.
- Listen to the prompts, and press one on your keypad.
- Enter your Amazon Store Card account number to allow the system to identify your account.
- Follow the prompts to make your payment.
How To Make an Amazon Credit Card Payment by Mail
Synchrony also accepts mailed payments. However, the crediting of your payment may be delayed up to five days after Synchrony acknowledges receipt. Follow these steps:
- Make out your check or money order to Synchrony Bank/Amazon.
- Place the remittance form from your statement with your payment, filling in the amount you wish to pay.
- Send your payment to:
Synchrony Bank / Amazon
P.O. Box 960013
Orlando, FL 32896-0013
When Is My Amazon Credit Card Bill Due?
As an Amazon cardholder, the due date for your Amazon credit card comes at a minimum of 23 days past the billing cycle’s close. You won’t be charged interest on purchases if your balance is paid by the due date every month. Payments are due by 5 p.m. ET. You will be charged a late fee of up to $40 if you fail to make your Amazon credit card payment on time.
Note that these payment instructions do not apply to Amazon Rewards Visa Signature cardholders. The Amazon Rewards Visa is financed by Chase Bank.
Cynthia Measom contributed to the reporting for this article.
About the Author
StacyCalvert creates online content from her home in Peoria, IL. She ghostwrites product descriptions, blog posts and static webpage content for small, medium and large businesses. Stacy has written articles for the Houston Chronicle, NestMagazine and other publications online.
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Amazon Prime Rewards Visa Signature Card Review: More Details
The Amazon Prime Visa Signature card comes with a head-turning number: 5% on Amazon and Whole Foods purchases. The card has many of the same features as its predecessor – the Amazon Rewards Visa Signature card – and it improves on the regular Amazon Rewards card by offering an unlimited 5% rewards rate on Amazon.com purchases.
For current Amazon Prime subscribers, the Prime card is worth the hoopla. Besides the fact that you will have a shiny, metal card to show off (yes, the Amazon Prime card is made of metal), the card comes with some useful purchase and travel protections, and, of course, a higher rewards rate. However, you’ll need to shell out $119 for Amazon Prime membership just to obtain the card. While you can get far more than $119 worth of value out of Prime membership, the service doesn’t necessarily make sense for every cardholder.
|Tip: Amazon Prime membership on its own comes with very valuable benefits, including free two-day shipping and Amazon Video. If you aren’t currently an Amazon Prime member, we recommend looking in to the full list of benefits to see whether Prime Membership — and, by extension, the Amazon Prime card — make sense for you. (Learn more in our article, “Is Amazon Prime worth it?”)|
You can earn a $150 Amazon gift certificate as soon as your application is approved as a sign-up bonus. An instant gift certificate is Amazon’s “business as usual” sign-up bonus, and the current $150 offer is a good bit higher than the card’s former bonus of a $100 gift certificate.
Earning Amazon points
The unlimited 5% return on Amazon and Whole Foods purchases is the best thing the card has to offer. While there are competing cards that also offer a 5% rewards rate on Amazon purchases, they come with seasonal restrictions and limit the 5% rate to the first $1,500 in purchases. The card also offers 2% back on restaurants, gas stations and drug store purchases (and 1% back on the remainder of your purchases), adding up to a high earning rate overall.
For someone who already subscribes to Amazon Prime, an unlimited 5% bonus is mere icing on the cake. However, other applicants will need to weigh the value of Amazon Prime benefits before springing for the card. You’ll need to pay $119 for Amazon Prime membership before you apply, and, though Amazon Prime does offer very valuable benefits, the rewards that you earn from the card are unlikely to outweigh the membership fee.
Even when you factor in the $150 gift card that Amazon offers to new cardholders, the $119 annual fee for Amazon Prime membership takes a chunk out of your potential rewards earnings after your first year. If you spend less than $1,500 on Amazon purchases each year, you may be better off applying for an alternative rotating rewards card that offers 5% earnings on Amazon purchases and pairing it with a cash back card that offers a 1.5 to 2 cash back rate on everyday spending.
Bonus for Whole Foods customers
Whole Foods customers may be delighted to learn that the 5% bonus rate also applies to Whole Food purchases – both online and at the register. Frequent shoppers with Whole Foods can earn a substantial amount of rewards with the Amazon Prime card. In fact, if you spend at least $2,380 at Whole Foods each year, your earnings with the card will cancel out the cost of your Prime Membership.
Rewards earned on Whole Foods purchases
|Yearly spend||Cash back earned|
Bonus for Whole Foods customers
Select rotating categories on Amazon will also earn extra rewards up to 20% on top of the default 5% bonus. While the 20% number may seem enticing, however, these bonus categories won’t make up the bulk of your purchases and can be somewhat niche.
Redeeming Amazon points
Amazon aims to make sign-up for the Amazon Prime card and rewards redemption as seamless as possible. Current members of Amazon Prime with an Amazon Rewards Visa Signature card will be automatically upgraded to the new card. While you are waiting to receive your new Amazon Prime card in the mail, you can log in and link your current Visa Signature card to your account to start receiving the 5% bonus.
Amazon allows you to conveniently apply your points at the point of purchase
Once the card is linked to your Amazon Prime account, choose the card as your payment option, input the number of points you want to use, and Amazon will instantly apply them to your purchase.
If you don’t want to use your points for Amazon purchases, Amazon gives you a few other redemption options, including statement credits, deposit into a checking or savings account, gift cards and travel rewards.
You can redeem Amazon points for cash back, gift cards or travel
While you’ll need to collect a minimum of 2,000 to 2,500 points to qualify for one of these alternative options, the good news is that you get a value of 1 cent per point no matter which way you redeem your points. (However, you’ll need to call in to Chase’s travel center to redeem your points for travel – for convenience’s sake, you may want to avoid this option.)
Amazon Rewards Visa Signature redemption options
|Minimum points required||Point value (cents)|
|Amazon.com purchases||Redeem any amount for all or part of a purchase||1|
|Checking or savings account deposit||2,000||1|
|Travel||Depends on purchase||1|
Unfortunately, although this is a Chase card, there are no options to transfer points to other Chase cards. Also, points can be applied only to one Amazon Prime account. Cardholders searching for a card with more versatile points would be better off checking out Chase’s line of Ultimate Rewards cards.
The Amazon Prime card offers several protections to help protect your purchases made online. The card guarantees zero fraud liability – which means you are never liable for unauthorized purchases made with your card. The card also includes:
- Purchase protection – Your card covers you for 120 days against damage or theft of purchases, up to $500 per claim and $50,000 per account.
- Extended warranty protection – For eligible warranties of three years or less, your card will extend the warranty period by an additional year.
If you’re reading this review, it’s likely that you are considering the Amazon Prime card mainly for Amazon purchases. You may be surprised to learn that the Prime card also makes a good travel companion, thanks to its collection of Visa Signature benefits, including:
- No foreign transaction fees – The card doesn’t charge transaction fees on purchases made outside the U.S. (which means the card also spares you a 2% to 3% fee for purchases on Amazon sites in foreign countries).
- Travel and emergency assistance – Cardholders are eligible for legal, medical and other emergency services while traveling.
- Lost luggage reimbursement—The card covers you and your family members for checked and carry-on bags that are lost or damaged by a carrier – up to $3,000 per passenger.
- Baggage delay insurance – The card will reimburse for you essential purchases in case your luggage gets delayed while traveling – up to $100 per day up to three days, for delays of six hours or longer.
- Travel accident insurance – The card offers up to $500,000 in coverage for accidental death or dismemberment while traveling.
- Auto rental collision damage waiver – The card offers secondary coverage (coverage that applies in case another policy doesn’t apply) for theft or damage to a rental car purchased with the card.
- Roadside dispatch – You can call 24-hour roadside service through the card (for a fee) if you have roadside emergency.
While this is a fair list of protections, if you’re looking for a card to cover you in case of travel emergencies, you may be better off searching for a card that offers broader travel protections, particularly trip cancellation and interruption insurance (The Chase Sapphire Reserve® is a good option).
The Amazon Prime Rewards card is issued through Chase bank, which has a fairly good record on customer service. Chase recently scored 809 on J.D. Power’s 2020 customer satisfaction, coming in fourth place out of 11 major issuers. The Chase mobile app also rates well with its users, scoring a 4.8 out of 5 on the Apple Store and 4.4 out of 5 on Google Play store. Chase offers convenient, round-the-clock customer service for its cardholders. One drawback: Chase doesn’t include mobile chat on its website – a loss for cardholders seeking to get a simple question answered quickly.
Is this card the same as the Amazon Store card?
The Amazon Prime Rewards Visa Signature card is not the same as the Amazon Store card. To some shoppers’ confusion, Amazon also offers a store card that includes special Amazon financing and a 5% bonus on Amazon purchases when you subscribe to Amazon Prime. The Amazon Store card is not a general-purpose credit card – it can only be used on Amazon purchases – is issued by a different bank (Synchrony) and features a much higher APR, so cardholders should take care not to mix the two cards up when applying.
See related: Amazon store cards vs. Amazon Visa credit cards
Alternatives to the Amazon Prime Rewards Visa signature card
If you’re looking for the best option for earning rewards on Amazon purchases, you can’t do much better than the Amazon Prime card. Still, if you’re not prepared to spring for Prime membership, and you’re looking for a good alternative to the Prime card, you have a few other good options:
Amazon Rewards Visa Signature Card
Discover it® Cash Back
Chase Freedom Unlimited
|Rewards rate||Rewards rate||Rewards rate|
|Sign-up bonus||Sign-up bonus||Sign-up bonus|
|Annual fee||Annual fee||Annual fee|
|Other things to know||Other things to know||Other things to know|
Amazon Prime Rewards Visa Signature card
With the 3% back at Amazon and Whole Foods, the Amazon Prime Rewards Visa Signature card offers the next highest earning rate on Amazon purchases. It also features most of the same travel and purchase protections as the Amazon Prime card, including no foreign transaction fee, all for no annual fee.
Discover it Cash Back
For three quarters of the year, the Discover it Cash Back card only offers 1% cash back on Amazon purchases, but in the fourth quarter of 2021, the Discover it Cash Back is a winning proposition for Amazon purchases – especially for new cardholders. If you remember to enroll in the category that quarter, you will receive 5% back on your Amazon purchases, on up to $1,500 in purchases (then 1%). And, since Discover matches your cash back at the end of your first year of card membership, new cardholders can essentially earn 10% cash back on Amazon purchases in the fourth quarter.
Chase Freedom Unlimited (along with other Ultimate Rewards cards)
The Chase Freedom Unlimited card can’t compete with the Amazon Prime or Amazon Rewards Visa’s rewards rate on Amazon purchases. However, if you’re not up for applying to the Amazon card and – especially if you’d rather earn points than cash back – you should consider applying for the Chase Freedom Unlimited card. If you pair it with other cards in the Chase Ultimate Rewards family, including a Chase Freedom card and a Chase Sapphire Preferred® Card or Chase Sapphire Reserve card – you can boost your overall earning rate, get a 25% to 50% bonus, respectively, on travel redemptions through Chase Ultimate Rewards, transfer points to outside travel partners, and enjoy a host of great travel benefits, including lounge access through the Chase Sapphire Reserve card.
Why should you get the Amazon Prime Rewards Visa Signature card?
- You’re already an Amazon Prime member.
- You shop frequently enough on Amazon to justify the ongoing cost of a $119 Amazon Prime membership.
- You shop frequently at Whole Foods (especially if you spend more than $2,380 per year there).
- You spend a lot on restaurant and gas purchases.
- You’re a frequent traveler, who can take advantage of the card’s travel benefits, including the waived foreign transaction fees.
- You often shop on foreign websites and would benefit from the lack of a foreign transaction fee for those purchases.
How to use the Amazon Prime Rewards Visa Signature card:
- Sign up for an Amazon Prime membership to apply for the card.
- Use the Prime card for all your Amazon and Whole Foods purchases to earn the 5% bonus rate and take advantage of the purchase protections.
- Use your points at checkout on Amazon – you can instantly apply them with no minimum points required.
- You can use this card when you travel in foreign countries or shop on foreign sites without racking up foreign transaction fees.
- Use an online shopping portal such as eBates to stack up extra cash back on your Amazon purchases (yes, the rewards do stack with your card rewards).
Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. Learn more about our advertising policy
Amazon Prime Rewards Visa Signature Card Credit Score
Are you thinking about applying for the Amazon Prime Rewards Visa?
The minimum recommended credit score for this credit card is 640. As you can see below, 640 is considered “fair”.
Poor: 300 to 579
Fair: 580 to 669
Good: 670 to 739
Very Good: 740 to 799
How to Increase Your Chances of Getting Approved for Amazon Prime Rewards Visa
Getting approved for a credit card requires a little planning. Most credit card offers require very good credit. When applying for new credit, it’s important to know your credit scores and what’s on your credit reports.
Credit card issuers want to see a strong credit history, steady income, and low credit utilization. If you’re using too much of your existing revolving credit, it’s a sign that you may not pay them back. It’s also important to make sure that you haven’t applied for too much credit in the recent past. Having too many credit inquiries can lessen your chances of getting approved.
Need help improving your credit score?
One of the best ways to improve your credit scores is by removing negative items from your credit report. Lexington Law can help you dispute (and possibly remove) the following items:
- late payments
- charge offs
They have over 28 years of experience and have removed over 7 million negative items for their clients in 2020 alone. So if you’re struggling with bad credit and want to increase the likelihood of getting approved for new credit, give them a call at (800) 220-0084 for a free credit consultation.
Amazon Prime Rewards Visa Signature Card review: A role model retail card
The Amazon Prime Rewards Visa Signature Card is a must-have for frequent Prime shoppers and offers impressive reward categories and benefits for a store-branded credit card.
Amazon Prime Rewards Visa Signature Card
Intro bonus$150 Amazon Gift Card
Regular APR14.24% to 22.24% Variable
Recommended Credit ScoreGood to Excellent (670 - 850)
Amazon Prime Rewards Visa Signature Card Overview
The Amazon Prime Rewards Visa Signature Card is one of the best online shopping credit cards due to its high reward rates on Amazon purchases with no spending caps and Visa Signature benefits.
The biggest drawbacks are the required Amazon Prime membership and a few missing purchase protections—but these are minor nitpicks compared to what many other store cards (don’t) offer.
What are the advantages and disadvantages?
- High earning rate on Amazon and Whole Foods purchases
- $100 bonus Amazon gift card instantly upon approval (Limited-time offer through November 30: $200 for approved Prime members, $100 for approved non-Prime members)
- No foreign transaction fees
- Rewards can be redeemed at an equal rate toward cash back, travel and Amazon purchases
- Carries beefy Chase travel and purchase protections plus Visa Signature benefits, including Luxury Hotel Collection perks and concierge services
- Requires an Amazon Prime membership, which costs $119 per year
- Only one Amazon Prime account can be linked to this card
- Reward points can’t be transferred to other loyalty programs
- Although it’s a Chase credit card, it doesn’t have access to the Chase Offers or Chase Ultimate Rewards portals
A deeper look into the current card offer
- Rewards rate: 5 percent back at Amazon.com and Whole Foods Market; 2 percent back at restaurants, gas stations and drugstores; 1 percent back on all other purchases
- Welcome offer: $100 Amazon gift card upon approval (Limited-time offer through November 30: $200 for approved Prime members, $100 for approved non-Prime members)
- Annual fee: $0 ($119 Amazon Prime subscription required)
- Purchase intro APR: N/A
- Balance transfer intro APR: N/A
- Regular APR: 14.24 percent to 22.24 percent variable
Current sign-up bonus
You can currently receive a $100 Amazon gift card just by being approved for the Prime Rewards Visa card, which is nothing to sneeze at for an instant bonus with no spending requirement; but the promotion has been larger recently.
Ahead of Prime Day this past June, the Amazon Prime Rewards Visa Signature Card updated its intro offer to a sizable $150 Amazon gift card upon approval. This synced perfectly with the 10+ percent boosted rewards limited-time offer for select products on Prime Day, which could make the lead-in period to Prime Day perhaps the best time to apply for an Amazon Prime Rewards Visa card. Granted, the bonus gift card has previously weighed in at a lower $70, but waiting till Prime Day could put a little extra value in your pocket if you’re in no rush.
The $100 gift card value is below the low end of many sign-up bonuses we typically see, which usually weigh in at $150 to $200 with no annual fee cards. However, there is no spending requirement for the standard Amazon credit offer—you receive the bonus instantly—and many store cards don’t offer a sign-up bonus at all. As far as retail cards go, the bonus is a nice plus since it can nearly cover the $119 yearly cost of Amazon Prime membership for the first year.
Although it’s not a traditional sign-up “bonus,” there’s also an alternate Whole Foods Market card art, which became available for new cardholders starting Jan. 22, 2021. Existing cardholders can also switch card designs if they want to show off their Whole Foods loyalty.
Just in time for Black Friday shopping, the Amazon Prime Visa Signature’s latest limited-time offer is doubling the previous sign-up bonus value through the end of November. Considering there’s no spending requirement, that’s a solid payday for Prime and non-Prime members alike.
Limited-time offer: From November 17 to November 30, 2021, approved applicants with a Prime membership will receive a $200 Amazon gift card. Approved applicants without a Prime membership will receive a $100 Amazon gift card.
Regular Amazon shoppers will have no problem earning a slew of rewards with the Prime card. With one of the highest-earning rates available for Amazon purchases, you’ll only need to spend $2,380 each year to recoup your Prime membership—or about $199 per month.
How you earn
Amazon.com and Whole Foods Market purchases will earn you unlimited 5 percent rewards. Plus, you’ll earn 2 percent at restaurants, gas stations and drugstores, along with 1 percent back on all other purchases.
Since the 5 percent category also applies to Whole Foods Market, this is also one of the best grocery rewards rates if you can do your grocery shopping there.
Amazon and Chase occasionally offer additional ways to earn rewards. Amazon regularly posts limited-time “Exclusive Prime cardmember” offers that provide anywhere from 10 to 25 percent back on select items.
How to redeem
Although the reward terms make it sound like you’re earning cash back, you’re actually earning points. You can redeem your points at a 1:1 value toward cash back, travel, gift cards or Amazon purchases upon checkout.
There is no minimum rewards balance to redeem for cash back or for Amazon purchases, but there’s a disappointingly long list of what you can’t use points to buy. Many of these items are small purchases that you would probably use points on more often, such as music, Kindle and video downloads. Depending on what you may spend points on, cash back might be the most flexible option.