Last Updated: 07/28/2025
SuperMoney User Recommendation Score +76
Strongly recommended17 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
16.49% - 24.49%(Verified 07/15/2025)
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Balance Transfer APR (Variable APR)
16.49% - 24.49%(Verified 07/15/2025)
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Credit Score Range
740 - 850
Annual Fee
$0
Number of Reviews
Amazon Prime Rewards Visa Card Review
This is a store cashback credit card issued by Chase Bank. If you're wondering whether Amazon Prime Rewards Visa Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 5x.
- Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members.
- Signup bonus. Offers a signup bonus of up to $150.
- APRs: Amazon Prime Rewards Visa Card has a variable regular purchase APR that ranges from 16.49% up to 24.49%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 5% balance transfer fee. Amazon Prime Rewards Visa Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Gas rewards. on eligible fuel purchases.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
- Excellent credit required. You will have good approval odds if you have an excellent credit score.
Pros & Cons of Amazon Prime credit card
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Amazon Prime credit card FAQ
Does Amazon Prime credit card have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Amazon Purchases | 5 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Retail | Up to 5 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Drug Store Purchases | Up to 5 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gas | Up to 2 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Groceries | Up to 5 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Restaurants | 2 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- No blackout dates when redeeming miles
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Amazon Prime credit card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Amazon Prime Rewards Visa Card has a variable purchase APR that ranges from 16.49% up to 24.49%. The card has a variable balance transfer APR that ranges from 16.49% up to 24.49%. It also has a variable cash advance APR of 27.24% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Amazon Prime credit card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Amazon Prime credit card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Amazon Prime credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Amazon Prime credit card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Amazon Prime credit card?
The customer service number for Amazon Prime credit card is (877) 242-7372.
What is the support contact email for Amazon Prime credit card?
The support contact email for Amazon Prime credit card is customerdepartament@chase.com.
What is the login page for Amazon Prime credit card?
You can access the login page of Amazon Prime credit card here.
How do people rate the customer service and user experience of Amazon Prime credit card?
Overall, Amazon Prime credit card is strongly recommended based on community reviews that rate customer service and user experience.
Does Amazon Prime Rewards Visa Card report your account activity to credit bureaus?
Yes, Amazon Prime Rewards Visa Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Chase Bank perform a hard credit pull?
Yes, Amazon Prime credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Amazon Prime credit card
- Visit the website of Amazon Prime credit card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from our editor
What we love about Amazon Prime Rewards Visa
The Amazon Prime Rewards Visa offers 5% cash back on purchases that you make at Amazon.com and at Whole Foods, making it one of the highest earning cards at these locations. Given that Amazon is one of the largest retailers on the internet, the cash back can add up quickly. It also offers admirable rewards on other purchases, includes restaurants and gas stations.
What could Amazon Prime Rewards Visa do better?
The Amazon Prime Rewards Visa is a solid rewards card, offering elevated rewards in some categories and lower rewards elsewhere. There isn’t much to dislike about it. If you want time to pay for purchases you make from Amazon, you could opt for the Amazon Store Card, which offers the same 5% cash back but also has the option to get 0% financing on large purchases.
The card does require a Prime membership to earn 5% cash back on Amazon and Whole Foods purchases, giving it the equivalent of an annual fee equal to the cost of your Prime Membership.
Amazon Prime Rewards Visa‘s backstory
Amazon was founded 1994 by Jeff Bezos. In the years since, Amazon has grown to be one of the most important technology companies on the planet, offering a massive ecommerce store, video streaming, web services, consumer electronics, and more. The company produced more than $280 billion in revenue in 2019, making it one of the largest companies in the world.
The Verdict
The Amazon Prime Rewards Visa is a great choice of credit card for people who like to shop online and who frequently buy things from Amazon. It’s also good for people who do their grocery shopping at Whole Foods. It can even fit as the only card in your wallet because it offers reasonable rewards on other types of purchases.
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