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)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
16.49% - 24.49%(Verified 07/15/2025)
Disclaimer popup with additional information
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
| The Good | The Bad |
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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? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual 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.
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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 1:00PM
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Other Credit Cards from Chase Bank
Purchase APR
19.99% - 28.24%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
Disclaimer popup with additional information
Purchase APR
18.99% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
18.99% - 28.49%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
20.49% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
20.49% - 29.24%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0
Purchase APR
20.24% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
20.24% - 28.74%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$795
Disclaimer popup with additional information
Purchase APR
20.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
20.24% - 27.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$99
Purchase APR
19.24% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 27.99%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
20.49% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
20.49% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
Disclaimer popup with additional information
Purchase APR
16.49% - 24.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
19.99% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.49%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$99
Disclaimer popup with additional information
Purchase APR
20.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
20.24% - 27.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +76, or 4.5 on a 5-point rating scale.
+76
-1000+100
No one recommends
Everyone recommends
Amazon Prime Rewards Visa Card Community Reviews
Would you recommend Amazon Prime Rewards Visa Card to your friends?
Anna S.
Jan 6, 2024
May or may not recommend
If you purchase from Amazon regularly and have Prime membership, strongly consider this credit card. There are no annual fees, and they have additional perks (like 5% back or even higher during Prime day) on purchases you are already making. Benefits are redeemable easily. This is connected to/powered by Chase. We have had this for years and have not had issues.
Michael L.
Oct 16, 2022
May or may not recommend
No brainer if you use Amazon on a day to day base and have a wholefoods in your city. No annual fee nor foreign transaction fee. 5% on everything Amazon related plus you can pay by plan with your amazon orders.
EG
Eden G.
Aug 17, 2022
May or may not recommend
i love this card the first time i use it on amazon coz it gave an instant $50 less on my amazon purchase! also they gave me a balance transfer promo fee of 4% for 15 months zero interest.
Amy H.
Feb 23, 2022
May or may not recommend
I love this card. I am able to use the rewards to pay my bill or help with payments at Amazon. I used it for the first time to buy my daughter's college textbooks. It was an expensive book, even on Amazon, but the first time application gave me around 25% off my first purchase. This worked out to about $100 for the entire purchase! Why is college so expensive? ...Show More
DL
Dakota L.
Feb 20, 2022
May or may not recommend
My experience with the Chase Prime Rewards card is that it works well if you consistently use Amazon. The card is seamlessly integrated across your Amazon Prime experience and can operate as the backup bone for many more useful Amazon features. Amazon Prime renews automatically to the card so you can recover the cost through several billing cycles. At this point you can accumulate rewards while taking full advantage of ...Show More
BD
Bourama D.
Nov 9, 2021
May or may not recommend
It requirements to get an Amazon Prime Rewards is to complicated. I think, they should only consider the credit score instead of taking into account fully credit card account movement. Last time, I applied for Amazon Prime Rewards Car thinking that my credit score is very fine fine, then I should get. Few days later, I receive a denial letter saying that credit card movement was ont good, some ...Show More
Olivia T.
Mar 27, 2021
May or may not recommend
Great - if you are an avid Amazon shopper. The rewards are pretty good at 5% back. No annual fee, which is really nice.
KV
Katie V.
Dec 19, 2020
May or may not recommend
I appreciate the rewards feature, especially for items that I get on the regular, like baby wipes and dish soap, on the Amazon Prime app. I haven’t used it outside of Amazon, so I’m not sure how often rewards points are earned for other regular purchases like gas or coffee. Chase customer service is helpful, especially when I needed to set up a payment plan for autopay, but their app ...Show More
NS
Natalie S.
Dec 11, 2020
May or may not recommend
This is a great card that helps you earn rewards points while you spend. I like the feature that helps you earn reward points with every purchase that you can apply to your balance or pays to your checking account. Great feature for anyone who wants to spend, save, and earn at the same time. Highly recommend to all friends and family!
MW
Madison W.
Dec 2, 2020
May or may not recommend
I love my amazon card and the amount that I get from Amazon, especially during times when we are social distancing, these perks definitely come in handy. I got free gifts certificates and discounts on Amazon upon approval and have been using it to even get my groceries! As I always say, if you are going to have a credit card, get one that suits your lifestyle.
Nicholas C.
Nov 25, 2020
May or may not recommend
I'll start off by saying this card isn't the greatest, but if you are a Prime member and you use Amazon quite frequently, it could be beneficial for you. No annual fee is nice. The APR is lower than the average, no foreign transaction fees, and you earn money back when using the card on Amazon.com purchases. It does require a good credit score to obtain, so it's not going ...Show More
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Amanda D.
Nov 7, 2020
May or may not recommend
As an Amazon Prime member, the Amazon Prime Rewards Visa Signature Card immediately caught my attention.
This card offers a 5% percent rate on Amazon and Whole Food Purchases. If you do many of your purchases through Amazon and/or Whole Foods, you can easily see the advantage in using this card.
You also receive 2% back on restaurant, gas station, and drug store purchases and 1% back on other purchases that aren’t ...Show More
HK
Hira K.
Oct 20, 2020
May or may not recommend
I use this credit card for literally EVERYTHING and I LOVE it. Chase is the best. They actually give me points on Amazon for sliding the card, so it gives me an incentive to use it instead of my debit card. If you regularly shop at Amazon, this is the card for you.
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Alissa D.
Oct 12, 2020
May or may not recommend
I highly recommend this credit card as the company who owns it is Chase. Chase offers a high percentage of points when you purchase on Amazon and the app itself is user friendly. My favorite part of the user experience is the fact that Chase offers snapshots of spending and a free credit report analysis of your spending across all credit accounts. Amazon itself offers a 6-month equal payments policy ...Show More
JP
Jacob P.
Oct 2, 2020
May or may not recommend
If you shop Amazon frequently, then this is a great card for you. I see 5% returns on any purchases made through Amazon. In addition to that, the card is metal and feels very nice. The only thing I feel it is lacking is an intro APR. I have never had any issue with this card and overall would recommend it.
Heather P.
Aug 13, 2020
May or may not recommend
I love this card. The 5% back on purchases adds up fast for Amazon addicts like me. I'm easily able to pay part of my monthly bill with the cash back, or use the credit for a "free" purchase each month. I've been using Amazon Fresh for grocery delivery and the 5% back often makes up for the cost of the tip, or adds up quickly to cover a nice ...Show More
Miron L.
Jan 15, 2020
May or may not recommend
I am an Amazon Prime member and shop on Amazon a lot. Whole Foods is the closest grocery store to my home. With its generous cash back program, this card is a no-brainer for me. I'd recommend it to anyone who shops at Amazon or Whole Foods frequently.
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