9+ Little-Known Perks of the Amazon Prime Visa Credit Card

Even if you have a Prime Visa (see rates and fees) credit card, you may not be aware of some of the smaller, yet valuable, perks of being a cardholder. There may not be anything flashy about the benefits associated with this card, but each one still has the potential to save you money.

1. Amazon gift card

New cardmembers receive an Amazon gift card just for signing up. The value on the card varies; periodically, Amazon runs special offers that boost it. By the way, if you're thinking of applying, Amazon promises an instant decision within 15 seconds.

>> Apply now for the Prime Visa card. <<

2. No annual credit card fee

Many credit card companies offer cards with no annual fees, but with a card that can benefit you in so many ways, no fee is a real perk. You can use the Amazon card anywhere Visa is accepted, and of course, are encouraged to use it when shopping on Amazon. If you find that your Prime Visa becomes your "go-to" credit card, you'll appreciate that you're not paying an annual fee even more. Note that you must be an Amazon Prime member to qualify for the card, and Prime membership will cost you $14.99 a month or $139 a year.

3. No foreign transaction fees

Whether you're traveling to Mexico, Canada, or the tiny country of Liechtenstein, you won't be faced with paying the 3% most other credit card companies charge for making purchases outside the U.S. Foreign transaction fees can add up and make a pricey trip even more expensive.

4. 5% back on Amazon Fresh for Prime members

Amazon Fresh is the retail giant's grocery store. If you live in an area of the country with a physical Amazon Fresh store or where Amazon Fresh delivers and you make regular grocery orders, this 5% back offer can stack up. For example, if you spend $100 per week on groceries, that's $5,200 annually. Getting 5% back means another $260 to save or invest for the future.

5. Unlimited 5% back on Chase Travel purchases

The Prime Visa is a product of Chase Bank, and using Chase Travel to book hotels, flights, and more can help you offset the price of your trip by rewarding you with 5% back. A $2,500 trip would provide you with $125 in spending money. Traveling is not cheap, and anything that makes it more affordable is a nice perk.

>> Apply now for the Prime Visa card. <<

6. 2% back at gas stations

If you own a vehicle, you either spend money filling the tank or charging the batteries (in the case of an EV). But you can earn back 2% of the money spent at gas stations just by using your Amazon Prime Visa to make the purchase. That's extra cash to spend on something else or tuck away in your savings account.

7. 2% back at restaurants

Depending on how often you dine in a restaurant or order takeout, 2% back will also put money in your pocket. If you spend $50 a week on restaurant food, that's an annual cash back reward of $52. It's like getting a free week of dining out.

8. 2% back on local transit and commuting

If you get around using local transit, including ride-hailing services, and pay for your commute with your Prime Visa card, you'll score another 2% of the cost back. So even without a car, you can earn cash back on your transportation expenses.

>> Apply now for the Prime Visa card. <<

9. 1% back on all other purchases

Here's where you can really cash in. If you use your card for everything, from paying for your child's daycare to utility bills, 1% of what you spend will come back to you within 24 hours. And you don't have to use the money solely to make Amazon purchases. It can also be redeemed for gift cards or travel.

More perks

The Amazon Prime Visa has additional perks built in, including:

• A whopping 10% cash back on a rotating selection of products and categories at Amazon.com
• Auto rental collision damage waiver
• Extended warranty protection
• Roadside assistance
• Travel accident insurance
• Baggage delay insurance
• Lost luggage reimbursement
• Travel and emergency assistance
• Purchase protection

The primary downside of the Prime Visa is that you need to be a Prime member to get it. Still, if you're interested, it's good to know the perks are there for the taking.

>> Apply now for the Prime Visa card. <<