Last Updated: 07/28/2025
SuperMoney User Recommendation Score +50
Strongly recommended20 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
16.49% - 24.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
16.49% - 24.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
670 - 850
Annual Fee
$0
Number of Reviews
Amazon Rewards Visa Card Review
Amazon Rewards Visa Card is a store cashback credit card issued by Chase Bank. If you're wondering whether Amazon Rewards Visa Card is the right card for you, read on. This is everything you need to know to make a good choice.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 3x.
- Signup bonus. Offers a signup bonus of up to $50.
- APRs: Amazon 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 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 $5.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Amazon Rewards Visa Card Pros & Cons
| The Good | The Bad |
|
|
Amazon Rewards Visa Card FAQ
Is there a Amazon Rewards Visa Card cash back or rewards program?
Amazon Rewards Visa Card is a cashback card. This means you earn a percentage of your purchase as a cash reward.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | 3% |
| Annual rewards limit | N/A |
| Signup Bonus ($) | $50 |
Does Amazon Rewards Visa Card have a signup bonus?
Yes, Amazon Rewards Visa Card offers a cash signup bonus worth up to $50 .
Does Amazon Rewards Visa Card have a signup bonus?
Yes, Amazon Rewards Visa Card offers card users a signup bonus worth up to $50 .
Does Amazon Rewards Visa Card offer an annual loyalty bonus?
Amazon Rewards Visa Card doesn't offer a cash loyalty bonus.What are the Amazon Rewards Visa Card benefits?
Amazon Rewards Visa Card provides the following benefits:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Amazon Rewards Visa Card?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance.Amazon 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% .
Does Amazon Rewards Visa Card have an introductory APR offer on balance transfers??
No, Amazon Rewards Visa Card does not come with an introductory APR offer for balance transfers.Does Amazon Rewards Visa Card have an introductory APR offer on new purchases??
Amazon Rewards Visa Card does not offer an introductory rate on new purchases.What are the Amazon Rewards Visa Card fees?
The following fees apply to Amazon Rewards Visa Card:
| Fees | Amount |
| Annual Fee | Up to $0 |
| Foreign Transaction Fee | 0% |
| Balance Transfer Fee | 5% |
| Minimum Balance Transfer Fee | $5 |
| Returned Payment Fee | up to $39 |
| Late Payment Fee | up to $39 |
Does Amazon Rewards Visa Card have a foreign transaction fee?
Amazon Rewards Visa Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.Does Amazon Rewards Visa Card report your account activity to credit bureaus?
Yes, Amazon 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 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 Rewards Visa Card
- Visit the Amazon Rewards Visa Card website.
- 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 you're denied click here to find out why your application may have been rejected and what you can do about it.
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 Signature Card
Amazon offers this Visa card in a partnership with Chase Bank. It offers members of Amazon Prime the chance to earn between 1% and 5% back on various types of purchases. The card has no annual fee, no foreign transaction fees, and anyone with an eligible Prime membership.
It offers 5% back on Amazon and Whole Food Markets purchases, 2% back at drugstores, gas stations, and restaurants, and 1% back on other types of purchases. This card also comes with several travel benefits, including lost luggage reimbursement, travel and emergency assistance, and travel accident insurance.
What Could Amazon Prime Rewards Do Better?
This card is only available to Prime members, so not everyone will have access to it. The membership has to be an account on Amazon.com and not another affiliated site. Users will also be required to be residents of the United States with a Social Security Number or U.S. Individual Taxpayer Identification Number.
Amazon Prime Rewards Backstory
The Amazon Prime Rewards card came about as a partnership between Amazon and Chase Bank. It offers up to 5% back when making purchases on Amazon.com or Whole Foods Market. Those without an eligible membership will earn 3% back. The card also offers 1% to 2% back at restaurants, gas stations, drugstores, and other retailers.
All points can be redeemed on Amazon.com. When you check out, the point balance appears, and you can choose the number of points to use. Consumers can also choose to redeem points for gift cards, travel, and cashback.
The Verdict
The Amazon Prime Rewards Visa Signature Card could be a good option for someone who is a Prime member, especially if they travel frequently. It provides many travel perks, a suite of protection options, and more. However, it’s always an excellent idea to look at all your options before choosing a personal credit card.
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
16.49% - 24.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
740 - 850
300
850
Annual Fee
$0
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
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 +50, or 4 on a 5-point rating scale.
+50
-1000+100
No one recommends
Everyone recommends
Amazon Rewards Visa Card Community Reviews
Would you recommend Amazon Rewards Visa Card to your friends?
Rickey M.
Oct 16, 2022
May or may not recommend
I absolutely recommend the Amazon rewards card through Chase. The rewards that you get off of this card when you shop on Amazon are great. Just like any other rewards card you also get some great perks when you use it for other purchases as well. The sign-up was quick and easy and you can use it immediately on Amazon once approved. If you shop on Amazon a lot, which ...Show More
AB
Anthonia B.
Oct 13, 2022
May or may not recommend
It's worth it! I like the fact that with every buy I get points on Amazon.com and I can use them to pay for an order. It's my favorite credit card! I feel like I'm putting my sweat to use.
IH
Irem H.
Feb 22, 2022
May or may not recommend
If you shop on Amazon pretty frequently this credit card might be beneficial for you but other than Amazon I would say you might need a back up credit card.
Karina V.
Feb 17, 2022
May or may not recommend
If you're a frequent Amazon purchaser just get this card. I applied for it when I was making a furniture purchase to get the bonus cash offer and I've been using it ever since. It does't have an annual fee and the reward points can stack up and greatly benefit you on your everyday purchases. I've never had any issues with this card although I strictly use it for my ...Show More
AH
Adelaide H.
Jan 31, 2022
May or may not recommend
I am a frequent Amazon shopper and love this card. The 6-month no-interest payment option is always nice, although you do not get cashback rewards if you use this option. The APR is not bad, and if you have a lot of amazon charges like I do, it's nice to have them all in one place and get rewarded for them!
Sophia D.
Jan 20, 2022
May or may not recommend
I only used this card for a short while. I only applied to receive the discount on my purchase with Amazon. After that, I paid the bill and never used it much. I didn't have any issues with it but also didn't use it much.
Renee D.
Jan 5, 2022
May or may not recommend
Let me be clear, I had no business getting this card when I did, but nevertheless I had serious trouble getting out once I signed up! It was for someones Christmas gifts when I racked up an Amazon cart that did not match my wallet. So, I clicked the little "just make monthly payments when approved for this card," button, made my purchase, and logged out.
My trouble came when ...Show More
ES
Emily S.
Jun 23, 2021
May or may not recommend
This card is great If you're a big Amazon shopper, however, the interest rates are very high and the cash back is low. The sign up promos are very enticing but there's not much to look for after you do.
SL
Sally L.
Apr 15, 2021
May or may not recommend
This card has lower cashback than other cards. We originally opened this card because we were getting 5 percent back on Amazon purchases, but not any longer (might be because we do not use prime anymore). Compared to our other credit cards, it is not worth it. We also opened it because it came with a bonus.
EG
Elizabeth G.
Jan 26, 2021
May or may not recommend
Great shopping opportunities that allows
the power to purchase with plastic.
PF
Phil F.
Dec 30, 2020
May or may not recommend
Amazon's Visa card has had some notable issues that one can find if they browse the Internet for reviews. While I personally did not have this issue, it is worth mentioning. Your card can be taken away by AMAZON'S service, and thus Visa is left without any information as to why your card was deactivated.
The rewards card is otherwise a solid option for those not experiencing issues, with great ...Show More
Nicholas C.
Nov 25, 2020
May or may not recommend
This card isn't the best, but it's not a bad option. The interest rates are high, so you'll need to be able to manage your balance each month, and it requires pretty good credit to obtain one. The positives, though, are that there is no annual fee, it has a lower end APR, no foreign transaction fees, and you can earn rewards back on purchases from a lot of places. ...Show More
JA
Jacob A.
Nov 16, 2020
May or may not recommend
I recommend this card for anyone looking to increase their credit score and get rewards. I do a fair amount of online shopping and with a second wave of lock downs coming, a lot more people and I will probably be increasing our online shopping habits. This isn't the best card to get for your first credit card, but there is no annual fee, a relatively low APR, good cash ...Show More
RC
Rex C.
Nov 1, 2020
May or may not recommend
As an avid Amazon user, the idea of a credit card affiliated with the company is attractive. The real selling point is the rewards program, in which purchases made with it on Amazon provide future discounts for future purchases. There is also the added benefit of the bonus provided upon initially applying and subsequently receiving the card.
BN
Benjamin N.
Aug 6, 2020
May or may not recommend
I have this card and love this card! Highly recommend.
JE
Jessica E.
Oct 30, 2019
May or may not recommend
It was great and ill love to get card so I can shop
BW
Benjamin W.
Jul 25, 2019
May or may not recommend
Ive had great time at walmart. They are very helpful.
Olivia T.
Jun 5, 2019
May or may not recommend
It's a great card for its rewards. Definitely a no-brainer if you're an Amazon Prime user and frequent enough to shop around on Amazon.
Miron L.
May 10, 2019
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.
Yuris B.
May 10, 2019
May or may not recommend
Absolutely love this card, I do most of my shopping on Amazon and the 5% cashback with my prime account is huge, I cash them in on every 3rd or 4th order and get about $20 off. My orders are typically ~$100 each so that cashback adds up really quickly to something substantive.
Showing 20 of 20 reviews
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