Prime Visa card overview
Amazon’s Prime Visa (see rates and fees) is a strong earner, with bonus rewards on Amazon purchases, Chase Journey℠, fuel, eating and commuting. That makes it a robust contender for many who spend huge with Amazon and its affiliated manufacturers. Card ranking*: ⭐⭐⭐½
*Card rating is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
More often than not, we advocate saying “no thanks” when a cashier (or on-line pop-up) asks if you wish to apply for a retailer bank card at checkout. The low cost you may get in your buy isn’t as precious because the welcome bonuses different playing cards provide, and most retailer playing cards have disappointing incomes buildings.
However there are just a few exceptions to that rule, and the Prime Visa is one in all them.
The Prime Visa is value contemplating for those who spend a number of your finances at Amazon or Complete Meals and wish the very best incomes charge for these purchases for no annual charge.
We advocate that candidates have a credit score of 670 or above to extend their probabilities of approval. Whereas the cardboard itself has no annual charge, you may nonetheless want a paid Prime membership to qualify.
Though it affords strong rewards, it is not the very best match for everybody. Here is what it’s essential know to determine if the Prime Visa deserves a spot in your pockets.
Prime Visa execs and cons
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Prime Visa welcome provide
Presently, for a restricted time, the Prime Visa affords a $250 Amazon reward card immediately upon approval, completely for Prime members.
When you think about that this can be a no-annual-fee card, that is a strong welcome bonus — particularly because it’s delivered immediately upon approval, with no spending requirement. This matches the all-time bonus we have seen on this card, which was solely supplied as soon as this July for only a week.
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Though this card has no annual charge, you want a Prime membership to get the Prime Visa. Since this can be a Chase card, you may wish to be below Chase’s 5/24 rule to extend your probabilities of approval.
Associated: The best credit cards for Amazon purchases
Prime Visa advantages
We often do not count on many advantages from a card with out an annual charge, however the Prime Visa has some stunning perks.
As a cardholder, you may get pleasure from the next protections:
Moreover, the Prime Visa would not cost foreign transaction fees, an enormous plus for a card with out an annual charge.
It looks like we hear a brand new horror story of somebody’s misplaced baggage daily, so having baggage safety on high of incomes bonus rewards in your Apple AirTags buy by way of Amazon is a superb profit.
Lastly, cardholders often get entry to early offers throughout Prime Day and might earn boosted rewards throughout these gross sales occasions.
Incomes money again on the Prime Visa
The Prime Visa earns 5% again on the next classes:
- Amazon.com
- Amazon Contemporary
- Complete Meals Market
- Journey booked by way of Chase Travel
It additionally earns 2% again in these classes:
Lastly, cardholders can earn 10% again or extra on a rotating collection of merchandise and classes on Amazon.
You will earn 1% again on all different purchases.
No different card persistently affords this excessive of a return on Amazon purchases, so this incomes construction is great for anybody who spends a big portion of their finances at Amazon and Complete Meals.
If you wish to stick with only one card, the extra 2% again classes are respectable for day-to-day spending.
Nonetheless, you may get greater incomes charges on fuel, eating places and different everyday spending classes with different playing cards, so the Prime Visa works greatest as only one half of a bigger card technique.
Associated: The best rewards credit cards for each bonus category
Redeeming money again on the Prime Visa
One of many Prime Visa’s greatest qualities is the benefit of redeeming rewards. You will see your rewards in your Amazon checkout display and might use them to pay for half or your entire purchases at Amazon.com.
Alternatively, you may redeem your rewards for cash back, reward playing cards or journey by way of Chase Journey.
Different playing cards will let you use your rewards to pay to your Amazon purchases, however the redemption worth you may get to your rewards is usually lower than what the Prime Visa can present.
As an illustration, Chase Final Rewards factors are value 2.05 cents apiece, in keeping with TPG’s November 2025 valuations — however you get lower than 1 cent per level for those who use these factors to pay for a purchase order on Amazon.com.
Alternatively, your Prime Visa rewards are value the identical whether or not you employ them to cowl an Amazon buy, obtain money again or guide journey by way of Chase Journey.
Associated: How to get maximum value from your Chase Ultimate Rewards
Which playing cards compete with the Prime Visa?
If you do not have a Prime membership or do not spend a lot of your finances at Amazon or Complete Meals, one in all these playing cards could also be a more sensible choice for you:
For added choices, see our record of best cash-back credit cards and best store credit cards.
Associated: Store vs. cash-back credit cards: Which one should I get?
Is the Prime Visa value it?
If you have already got a Prime membership and wish to earn cash-back rewards, the Prime Visa is an effective card to begin with or add to your present portfolio. Nonetheless, if you do not have a Prime membership or are targeted on incomes travel rewards, you may most likely get extra worth from a unique card.
Backside line
The Prime Visa is a superb alternative for those who want money again over complicated journey rewards. It earns an unbeatable 5% again at Amazon and Complete Meals, with simple redemption choices, for no annual charge.
The welcome provide of an prompt $250 Amazon reward card makes the cardboard much more interesting, particularly with the vacation season quick approaching.
However for those who plan to make use of factors and miles to your subsequent huge journey, you may wish to use a card that earns journey rewards in your Amazon purchases as an alternative.
Irrespective of which route you select, you may’t go unsuitable with a card that earns rewards each time you click on “Purchase now” on Amazon.
Apply right here: Prime Visa
For charges and charges of the Blue Money On a regular basis Card from American Categorical, click on here.
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