Amazon Prime Visa

The Amazon Prime Visa is a rewards card designed for those who shop at Amazon and Whole Foods. You can get a limited time welcome offer to earn up to 5% cash back on categories that normally earn 2% and 1% cash back. While it technically doesn’t have an annual fee, you’ll need a Prime membership to get the best rewards (currently $139 a year). New as of May 2023, you can also earn 5% cash back on travel booked through Chase and 2% cash back on transit including rideshare. It also comes with great travel perks including no foreign transaction fees. 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 Prime Visa review.

Our Rating
4.5/5.0

Welcome Offer
$100 Amazon Gift Card

Annual Fee
$0

0% on Purchases

Reward Rate
1% - 10%

0% on Balance Transfers

Welcome Offer

As a Prime member, get a $100 Amazon Gift Card instantly loaded into your Amazon account's Gift Card Balance upon approval of your credit card application.

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsExtended Warranty Coverage, Purchase Protection, Free credit score access, 24/7 customer service
Travel PerksAuto Rental Collision Damage Waiver, Emergency Travel Assistance, Luggage Protection, Roadside Assistance, Travel Accident Insurance

Rewards

1% cash back
On all other eligible purchases
Earn unlimited 1% back all other purchases anywhere Visa is accepted.
2% cash back
Dining
Earn 2% rewards at Earn unlimited 2% back at restaurants, whether you dine in or take out.
2% cash back
Gas
Earn unlimited 2% back at gas stations.
2% cash back
Transit
Earn unlimited 2% back on local transit and commuting, including rideshare.
5% cash back
Select Categories
Earn unlimited 5% back at Amazon Fresh online or in-store at any Amazon Fresh locations with an eligible Prime membership.
5% cash back
Select Categories
Earn unlimited 5% back at Whole Foods Market online or in-store at any Whole Foods Market locations with an eligible Prime membership.
5% cash back
Select Categories
Earn unlimited 5% back on your Amazon.com purchases with an eligible Prime membership.
5% cash back
Travel
Earn unlimited 5% back on Chase Travel purchases with an eligible Prime membership.
10% cash back
Select Categories
Eligible Prime cardmembers earn 10% back or more on a rotating selection of items and categories on Amazon.com.

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR19.49%–27.49% (V) APR

Insurance

Extended Warranty

Extends the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of 3 years or less.

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.

Lost Baggage Insurance

Baggage delay insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.

Lost luggage reimbursement

If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you’re covered up to $3,000 per passenger.

What Credit Score Is Required to Get the Amazon Prime Visa

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

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
Approved11/23/2022
806
Equifax
$10,000
Approved11/11/2021
750
Not Provided
$5,000
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

What Are the Best Alternatives?

Citi Custom Cash® Card
Citi Custom Cash® Card

Rating

4.7

Rewards Range

1% - 5%

Annual Fee

$0

Wells Fargo Active Cash® Card
Wells Fargo Active Cash® Card

Rating

4.9

Rewards Range

2%

Annual Fee

$0

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

Rating

4.5

Rewards Range

1%-6%

Annual Fee

$0 intro annual fee for the first year, then $95.

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