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Use this page to decide whether Prime Visa is the one to apply for, not to restart the research loop.
Amazon Rewards VisaPrime Visa
Issued by Chase
A strong cash-back fit when Amazon and Whole Foods are already regular spend.
The trade-off: its value is concentrated in the Amazon ecosystem and is strongest for Prime members. If that is not a meaningful share of your spending, compare a flat-rate cash-back card before applying.
Reviewed by the CardCurator Editorial Team
Decision check
Is Prime Visa worth applying for?
you can make 5x on Amazon part of your regular spending.
you are looking for premium perks, lounge access, or more transfer-partner upside.
Offer is below the strongest historical bonus we have tracked.
Application links open the issuer or partner application in a new tab. Confirm current terms and approval rules before submitting.
Earning Categories
Current Welcome Bonus
Year 1 net value: +$200 (bonus − annual fee)
Maximize Your Amazon Rewards Points
Expert tips to get the most value from this program
Program Overview
Amazon Rewards is the cashback program for Amazon co-branded credit cards issued by Chase. Prime members earn 5% at Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel; 2% at restaurants, gas stations, and local transit/commuting; 1% everywhere else. Non-Prime members earn at lower rates. The program earns cash back that can be applied toward Amazon purchases or redeemed as statement credits. Points do not transfer to airline or hotel programs. Best for: heavy Amazon and Whole Foods shoppers who are Prime members. The 5% back at Amazon and Whole Foods is one of the highest rates available at those merchants.
Earning Tips
Amazon Prime Rewards Visa (Prime required): - 5% at Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel - 2% at restaurants, gas stations, and local transit/commuting - 1% everywhere else Amazon Visa (no Prime required): - 3% at Amazon.com, Amazon Fresh, and Whole Foods Market - 2% at restaurants, gas stations, and drugstores - 1% everywhere else Tips: - Must maintain Prime membership for the 5% earning rate - Stack with other high-earning cards for non-Amazon categories - 5% at Whole Foods makes this an excellent grocery card for Prime members who shop there
Redemption Tips
Cashback (1¢/point equivalent): - Amazon.com purchases: apply at checkout - Statement credit: redeem anytime - Gift cards Best value: apply toward Amazon purchases for seamless checkout. Statement credit is equally valuable. No optimization needed.
Compare This Card
See how the Prime Visa stacks up against other cards side by side — fees, bonuses, earn rates, and more.
Related guide: Prime Visa vs Amazon Visa (2026): Which Amazon Card Should You Get?
Approval Insights
Recent community application data for this card. Issuers make the final decision, but this gives you a public read on how similar applicants have been doing lately.
How to use this
- Use the approval summary as a signal, not a guarantee.
- Combine it with issuer rules like 5/24, Amex lifetime language, and velocity limits.
- Open the full approval page to see recent datapoints, profile bands, and notes.
Most card pages stop at a generic credit-score range. CardCurator layers real community submissions on top of card detail, rewards value, and application strategy.
Frequently Asked Questions
- What is the annual fee for the Prime Visa?
- The Prime Visa has no annual fee.
- What is the best category to use the Prime Visa for?
- The Prime Visa earns 5x on Amazon, making it the strongest earning category for this card.
- What is the Prime Visa welcome bonus in 2026?
- The Prime Visa currently offers a welcome bonus of $200 statement credit.
- Does the Prime Visa charge foreign transaction fees?
- No, the Prime Visa does not charge foreign transaction fees, making it a good choice for international purchases.
- How much are Amazon Rewards points worth?
- Amazon Rewards points are worth approximately 1.00¢ per point on average, with premium redemptions reaching up to 1.00¢ per point. Values based on industry estimates including The Points Guy and NerdWallet.
Use a category hub if you are not ready to apply for Prime Visa
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Best if you still want to compare broader points, miles, or premium travel options.
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