Amazon Visa

The Amazon Visa is a cash back card designed for people who shop on Amazon but don’t have an Amazon Prime membership. If you do, you’ll want to consider the Amazon Prime Visa. But most people shop on Amazon at least occasionally, and this card gives you 3% cash back on Amazon and Whole Foods purchases. There’s a modest welcome bonus and no annual fee. New, starting in May 2023, cardholders can earn cash back on travel purchased through Chase and on local transit including rideshare. However, the APR can be high. We dive into the details and your approval odds in this Amazon Visa review.

Our Rating
4.2/5.0

Welcome Offer
$105

Annual Fee
$0

0% on Purchases
None

Rewards Rate
1% to 3%

0% on Balance Transfers
None

Welcome Offer

Earn up to $105 with this limited-time offer. Get a $60 Amazon Gift Card instantly upon approval and earn 3% back everywhere on up to $1,500 in spending for the first 3 months after account opening ($45 value).

Features & Benefits

Security	EMV Chip Enabled, Fraud Monitoring, Zero Liability
Contactless Payments	Tap to Pay, Apple Pay, Google Pay
Benefits	Extended Warranty Coverage, Purchase Protection, 24/7 customer service
Travel Perks	Concierge Services, Luggage Protection, Travel Accident Insurance

Rewards

3% cash back

Select Categories

Earn 3% back at Amazon.com and Amazon Fresh.

3% cash back

Select Categories

Earn 3% back at Whole Foods Market.

3% cash back

Travel

Earn 3% back on Chase Travel purchases.

2% cash back

Dining

Earn 2% back at restaurants.

2% cash back

Gas

Earn 2% back at gas stations.

2% cash back

Transit

Earn 2% back on local transit and commuting (including rideshare).

1% cash back

On all other purchases

Earn 1% back on all other purchases.

Interest Rates & Fees

Annual Fee	$0
Foreign Transaction Fee	None
Regular APR	19.24% to 27.24% variable APR (V) APR

Insurance

Extended Warranty

Extends the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three 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 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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	06/11/2022	695	Equifax	$1,500
Approved	12/09/2022	737	Equifax	$4,200
Approved	06/11/2022	689	Experian	$1,500
Approved	06/11/2022	722	TransUnion	$1,500
Approved	12/09/2022	736	TransUnion	$4,200
Approved	12/09/2022	749	Experian	$4,200

Pros

• Welcome offer
• No annual fee
• No foreign transaction fee
• Up to 3% cash back

Cons

• High APR
• Requires good credit

What Are the Best Alternatives?

Amazon Prime Visa

Rating

4.5

Rewards Range

1% - 10%

Annual Fee

$0

Read Review

Chase Freedom Unlimited®

Rating

4.9

Rewards Range

1.5% - 5%

Annual Fee

$0

Read Review

Blue Cash Everyday® Card from American Express

Rating

4.4

Rewards Range

1%-3%

Annual Fee

$0

Read Review

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