Amazon Prime Visa

The card_name 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 unlimited 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

Get a $100 Amazon Gift Card

Annual Fee

$0

0% on Purchases

N/A

Reward Rate

1% – 10%

0% on Balance Transfers

N/A

Welcome Offer

Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members

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 on all other purchases.
2% cash back
Dining
Earn unlimited 2% back at restaurants.
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.com, Amazon Fresh, Whole Foods Market 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 Fee$0
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 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 numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 660

Average Approved Credit Score: 757

App StatusDateCredit ScoreBureauCredit Limit
Approved05/17/2023
686
Not Provided
---
Approved07/08/2023
782
Equifax
$18,000
Approved07/08/2023
799
TransUnion
$18,000
Approved07/08/2023
806
Experian
$18,000
Approved06/27/2023
736
Experian
$2,000
Approved06/27/2023
771
Equifax
$2,000
Approved05/25/2023
820
Not Provided
$28,000
Approved05/25/2023
837
Not Provided
$28,000
Approved05/25/2023
844
Not Provided
$28,000
Approved06/01/2023
660
Experian
$3,000
Approved06/01/2023
677
TransUnion
$3,000
Approved06/01/2023
680
Equifax
$3,000
Approved06/14/2023
730
Not Provided
$5,000
Approved07/11/2023
739
Experian
$20,000
Approved05/21/2023
704
Experian
$500
Approved04/03/2023
751
Experian
$17,300
Approved11/24/2023
760
Not Provided
$15,000
Approved07/18/2023
758
Experian
$6,000
Approved10/11/2023
811
Equifax
$5,000
Approved10/11/2023
814
TransUnion
$5,000
Approved10/11/2023
817
Experian
$5,000
Approved05/01/2023
771
Experian
$21,300
Approved06/12/2023
741
Experian
$6,900
Approved06/12/2023
751
TransUnion
$6,900
Approved06/12/2023
759
Equifax
$6,900
Approved04/23/2023
681
Not Provided
$3,500

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

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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