The Card Every Amazon Prime Shopper Should Have

Published on Feb. 5, 2026

Ryan Wilcox

By: Ryan Wilcox

Full-Time Personal Finance Writer

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Like most people alive in 2026, I'm an Amazon Prime member. If you are, too, there's one credit card you absolutely need to check out: the Amazon Prime Visa (see rates and fees).

For my money, the Prime Visa is the best way for Prime members to save even more money on the things they buy online. Between its strong earning rates, its instant welcome bonus, and the fact it has no annual fee, it's quickly become one of my favorite cards out there.

Here's what to know about the Prime Visa, and why now's a great time to apply.

Great earning rates on Amazon purchases and more

Considering it doesn't cost anything to carry, the Prime Visa has some earning rates that are definitely worth writing home about. You'll get:

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

If your spending habits are anything like mine, your rewards will add up fast. Spend $300 a month on Amazon purchases, for example, and you're looking at $180 in rewards after a year -- without factoring in any of the card's other categories.

Prime Visa

Apply Now for Prime Visa

On Chase's Secure Website.

Rates & Fees External Link Icon

Prime Visa
4.30/5 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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= Excellent
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4.30/5 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
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.

Rates & Fees External Link Icon

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

18.74% – 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 $150 Amazon Gift Card instantly upon approval exclusively for Prime members

Get a $150 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 back on Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel 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.

    Read Full Review
    • Big Amazon.com 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 $150 Amazon Gift Card instantly upon approval exclusively for Prime members
    • Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
    • Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com 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

Land an instant $150 bonus today

Want to land maybe the easiest $150 you'll ever earn? The Prime Visa has you covered.

Plenty of cards make you spend hundreds or thousands to earn their welcome bonus. With the Prime Visa, though, you'll earn a $150 Amazon gift card instantly upon card approval (exclusively for Prime members) -- money you can instantly put toward your next shopping spree.

Want to get started today? Read our full review of the Prime Visa and apply now.

Our Research Expert

Ryan Wilcox
Ryan Wilcox icon-button-linkedin-2x

Ryan Wilcox is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, auto insurance, and other personal finance topics. Ryan has been writing about credit cards and savings since 2022. Before joining Motley Fool Money, he was a full-time writer at The Points Guy, where he focused on maximizing credit card rewards and travel strategies. He holds a bachelor’s degree in English and American History from the University of North Carolina at Chapel Hill, where he also spent four years reporting for The Daily Tar Heel. With a background in both journalism and consumer finance, he brings a clear and thoughtful voice to money topics. Outside of work, Ryan is likely reading, writing, or updating his Letterboxd account.