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You are here: Home / Credit Cards / Amazon Prime Rewards Visa Card

Amazon Prime Rewards Visa Card

March 8, 2023 by Gail Kellner

The Amazon Prime Rewards Visa Card is a rewards card designed for those who shop at Amazon and Whole Foods. You can get a $100 gift card loaded onto your account upon approval if you have a Prime membership and up to 5% cash back rewards. While it technically doesn’t have an annual fee, you’ll need a Prime membership to get the best rewards (currently $139 a year). If you spend a lot on Amazon, this is a good card to get. We dive into the details and your approval odds in this Amazon Prime Rewards review.

Amazon Prime Rewards Visa Card
Learn More
Our Rating
4.5/5.0
Welcome Offer
$100
Annual Fee
$0
0% on Purchases
None
Rewards Rate
1% - 5%
0% on Balance Transfers
None

Rewards

5% cash back
Select Categories
Earn 5% rewards at Amazon and Whole Foods Market with an eligible Prime membership.
3% cash back
Select Categories
Earn 3% cash back on Amazon and Whole Foods if you don't have an Amazon Prime membership.
2% cash back
Dining
Earn 2% rewards at restaurants.
2% cash back
Gas
Earn 2% rewards at gas stations.
1% cash back
On all other purchases
Earn 1% rewards on all other purchases.

Welcome Bonus

Earn $100 Amazon Gift Card Instantly upon approval.

Pros & Cons

Pros
  • Welcome offer
  • No annual fee
  • No foreign transaction fee
  • Up to 5% cash back
Cons
  • High APR
  • Need a Prime membership to get the best rewards

Features & Benefits

SecurityEMV Chip Enabled
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsExtended Warranty Coverage, Purchase Protection, 24/7 customer service
Travel PerksAuto Rental Collision Damage Waiver, Concierge Services, Emergency Travel Assistance, Luggage Protection, Roadside Assistance, Travel Accident Insurance

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR18.74% to 26.74% (V) APR

What Credit Score Is Required to Get the Amazon Prime Rewards

Based on data we’ve collected from public forums, a credit score of 680 or higher is ideal. We have seen an approval with a score as low as 630, but keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.

App StatusDateCredit ScoreBureauCredit Limit
Approved07/13/2022
630
Equifax
$1,500
Approved07/13/2022
651
Experian
$1,500
Approved07/13/2022
670
TransUnion
$1,500
Approved12/28/2022
645
Experian
$1,400
Approved12/28/2022
656
Equifax
$1,400
Approved12/28/2022
674
TransUnion
$1,400
Approved10/13/2020
750
Not Provided
$5,000
Approved11/23/2022
804
Experian
$10,000
Approved11/23/2022
823
TransUnion
$10,000
Approved11/23/2023
806
Equifax
$10,000
Approved11/11/2021
750
Not Provided
$5,000

What Are the Best Alternatives?

Citi Custom Cash Card
Citi Custom Cash Card

Rating

4.7

Rewards Range

1% - 5%

Annual Fee

$0

Read Review
Wells Fargo Active Cash Card
Wells Fargo Active Cash Card

Rating

4.9

Rewards Range

2%

Annual Fee

$0

Read Review
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express

Rating

4.5

Rewards Range

1%-6%

Annual Fee

$95

Read Review

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About Allcards.com

Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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