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Prime Visa Review: One of the Very Best Store Credit Cards

Review Updated
Lyle Daly
By: Lyle Daly

Our Credit Cards Expert

Nathan Alderman
Check IconFact Checked Nathan Alderman
Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

Chase and Amazon have put together a winner with the Prime Visa. Available exclusively for Prime customers, this Amazon credit card earns an impressive 5% back on Amazon and Whole Foods purchases and offers lucrative bonus opportunities. See everything this card has to offer in our full Prime Visa review.

Prime Visa
Apply Now for Prime Visa

On Chase's Secure Website.

Great for: Amazon Prime members

Apply Now for Prime Visa

On Chase's Secure Website.

Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Prime Visa

On Chase's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.49% - 27.49%, variable

Rewards Circle with letter I in it. Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% on all other purchases

1% - 5% back

Annual Fee

$0

Welcome Offer Circle with letter I in it. Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members

Get a $100 Amazon Gift Card

  • If you have an Amazon Prime account, do we have the card for you! This one is part of Chase's lineup, and earns a whopping 5% cash rewards on Amazon, Whole Foods, and Amazon Fresh purchases. Best of all, that cash back is available to you as soon as the next day -- so if you make frequent Amazon purchases and have a Prime membership, you'll easily save.

    • Big Amazon and Whole Foods rewards
    • Instant Amazon gift card
    • No annual fee
    • Consumer and travel protections
    • No 0% intro APR offer
    • Requires Prime membership
    • Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
    • Earn unlimited 5% back at Amazon.com, Amazon Fresh, and Whole Foods Market with an eligible Prime membership
    • Earn unlimited 5% back on Chase Travel purchases with an eligible Prime membership
    • Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
    • Earn unlimited 1% back on all other purchases
    • No annual credit card fee
    • No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
    • Member FDIC

Full Prime Visa review

This credit card is a good fit for: Amazon Prime members who want to earn as much back as possible on purchases with the retail giant.

Top perks

Here are all the best benefits you get with the Prime Visa.

Up to 5% back

Here are the Prime Visa's cash back rates:

  • 5% cash rewards on Amazon, AmazonFresh, and Whole Foods, and Chase Travel purchases with an eligible Prime membership
  • 2% cash rewards on restaurants, gas stations, local transit, and commuting (including rideshare)
  • 1% cash rewards on other purchases

Unlike lots of cash back cards, you don't need to wait long to use your rewards. You can redeem them at Amazon.com as soon as the next day. Or, you can redeem them with Chase for cash back, gift cards, or travel.

Get a $100 Amazon Gift Card

Get a $100 Amazon Gift Card upon approval for the Prime Visa. This is loaded to your Amazon account, so you can use it right away. It's a reasonable amount, and unlike most credit card sign-up bonuses, it doesn't require you to spend anything to earn it.

Pay over time 0% APR plans

This credit card offers financing plans with a 0% APR. You can pay off purchases of $50 or more in six equal monthly payments and purchases of $250 or more in 12 equal monthly payments. If you don't pay off the purchase within that time period, any remaining amount will start incurring interest charges at your card's standard purchase APR.

Note that purchases paid for this way aren't eligible to earn rewards. When you make the purchase, you need to choose between earning cash back or 0% APR financing.

Consumer and travel protections

This Amazon card has several complimentary protections that can come in handy if anything goes wrong with a trip or purchase. These include:

  • Auto rental damage collision waiver
  • Baggage delay insurance
  • Extended warranty protection
  • Lost luggage reimbursement
  • Travel accident insurance
  • Purchase protection

No foreign transaction fee

The Prime Visa doesn't charge a foreign transaction fee. Many cash back cards do, with the standard amount being 3%, which makes them a poor choice for spending outside the United States. With this Amazon credit card, you can use it no matter where you travel without extra charges.

What could be improved

While the Prime Visa doesn't have any glaring flaws, there are some minor drawbacks to this credit card.

Requires Prime membership

The Prime Visa doesn't charge an annual fee, but it requires cardholders to have a Prime membership. That costs $14.99 per month or $139 per year. If you don't have a Prime membership, you can still apply for an Amazon credit card, but you'll only be eligible for the Amazon Visa. This has lower cash back rates and a smaller welcome offer. In that situation, you may want to look at other credit card reviews first to see if there's a better option out there.

No 0% intro APR offer

Although this card gives you the option to pay over time with a 0% APR, it doesn't have a 0% intro APR that applies to all purchases or balance transfers. Other cards do, which is helpful if you need interest-free financing for more than just Amazon purchases or if you want to refinance credit card debt. If so, check out our top picks for these types of cards:

Find the best credit card for your needs

Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.

Suggested credit score

A FICO® Score of 670 or higher is recommended to apply for the Prime Visa. This card is aimed at consumers with good credit, although it's possible to get approved with a lower credit score.

Because Chase issues this credit card, it's subject to the Chase 5/24 rule. If you've already opened five or more credit cards within the previous 24 months, any application for a Chase card like this one will most likely be denied.

The Prime Visa is right for you if:

If you're always shopping on Amazon and you buy your groceries at Whole Foods, the Prime Visa will fit you like a glove.

A 5% cash back rate is something you only see with the best credit cards. Those also normally have spending caps on how much bonus cash back you can earn. This Amazon credit card is an exception, because its 5% rates apply no matter how much you spend.

If this credit card isn't right for you, head over to see our guide on the best credit cards for Amazon, where you can explore more cards that may better fit your needs.

Alternatives to consider

  • If you want more back on groceries and gas: You'll love the Blue Cash Preferred® Card from American Express. It earns 6% back on your first $6,000 in annual spending at U.S. supermarkets and 3% back at U.S. gas stations. Terms apply. This card has a $0 intro annual fee for the first year, then $95. (See rates and fees.) But that's well worth it for big spenders.
  • If you want to earn flat-rate cash back: The Wells Fargo Active Cash® Card is hard to top with an unlimited 2% cash rewards on purchases. If your spending is well balanced across various categories, this card could be ideal.

SEE MORE: Best Rewards Credit Cards

As of Nov. 27, 2023
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Prime Visa Blue Cash Preferred® Card from American Express Wells Fargo Active Cash® Card
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Apply Now for Prime Visa

On Chase's Secure Website.

Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Welcome Offer: Circle with letter I in it. Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members

Get a $100 Amazon Gift Card

Welcome Offer: Circle with letter I in it. Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

$250

Welcome Offer: Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

$200 cash rewards

Rewards Program: Circle with letter I in it. Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% on all other purchases

1% - 5% back

Rewards Program: Circle with letter I in it. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations. 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

1%-6% Cash Back

Rewards Program: Circle with letter I in it. Earn unlimited 2% cash rewards on purchases.

2% cash rewards

Intro APR:

Purchases: N/A

Balance Transfers: N/A

Intro APR:

Purchases: 0%, 12 months

Balance Transfers: 0%, 12 months

Intro APR: Circle with letter I in it. 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 15 months from account opening

Balance Transfers: 0% intro APR, 15 months from account opening on qualifying balance transfers

Regular APR:

19.49% - 27.49%, variable

Regular APR:

19.24%-29.99% Variable

Regular APR:

20.24%, 25.24%, or 29.99% Variable APR

Annual Fee:

$0

Annual Fee:

$0 intro annual fee for the first year, then $95.

Annual Fee: Circle with letter I in it. N/A

$0

Highlights:

  • Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
  • Earn unlimited 5% back at Amazon.com, Amazon Fresh, and Whole Foods Market with an eligible Prime membership
  • Earn unlimited 5% back on Chase Travel purchases with an eligible Prime membership
  • Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
  • Earn unlimited 1% back on all other purchases
  • No annual credit card fee
  • No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
  • Member FDIC

Highlights:

  • Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations.
  • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
  • Terms Apply.

Highlights:

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Apply Now for Prime Visa

On Chase's Secure Website.

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Our credit card methodology

At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.

FAQs

  • The credit limit for the Prime Visa ranges from $500 to over $10,000 depending on the cardholder's income and credit history.

  • The Prime Visa doesn't charge a monthly or annual fee. However, you need to be an Amazon Prime member to qualify for the card, and that program has a membership fee.

  • Yes, students can qualify for the Prime Visa. Eligibility requirements are the same for students as any other applicant. They must have an Amazon Prime or Amazon Prime Student membership, a form of income, and an established credit history.

Our Credit Cards Experts