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Prime Visa Review: A Top Pick for Amazon Shoppers

Review Updated
Joel O'Leary
Author: Joel O'Leary
Joel O'Leary
Joel O'Leary
Full-Time Personal Finance Writer

Joel O’Leary is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, mortgages, and other personal finance topics. Joel has been writing about personal finance since 2018, previously leading editorial content for the How To Money podcast and serving as a resident writer at Budgets Are Sexy. He bought his first rental property at age 18, funding the down payment with savings from his high school job at McDonald’s -- a testament to his lifelong passion for smart money decisions. His work aims to make personal finance accessible and actionable for everyday readers. When he’s not writing, Joel enjoys surfing and spending time with his family.

See Full Bio

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 that our product ratings are not influenced by compensation.

I carry the Prime Visa (see rates and fees) card myself -- which says a lot, considering I test out dozens of cards for my job and only a handful actually stay in my wallet long-term.

If you've got an Amazon Prime membership, this card is kind of a no-brainer. You get 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership, plus a $150 gift card just for getting approved.

And since there's no annual fee, it's worth having even if you're a low spender.

Here's why I keep it -- and why it might be a smart fit for you, too.

Prime Visa
Apply Now for Prime Visa

On Chase's Secure Website.

Rates & Fees External Link Icon

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.
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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.

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

19.49% - 28.24% 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% back 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.

    • 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

At Motley Fool Money, every credit card we review is rated on a 5-star scale, scored to a tenth of a point. Our ratings weigh the features that matter most: rewards rates, 0% intro APR offers, welcome bonuses, fees, and perks like travel credits and purchase protections.

We score cards within four primary categories:

  • 0% intro APR cards for paying down balances or financing purchases
  • Travel cards for maximizing points, miles, and perks on the road
  • Cash back and rewards cards for everyday spending value
  • Business cards designed to fit company expenses and growth

Top-rated cards typically combine strong long-term value, attainable bonuses, low fees, and standout protections or perks.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

At Motley Fool Money, every credit card we review is rated on a 5-star scale, scored to a tenth of a point. Our ratings weigh the features that matter most: rewards rates, 0% intro APR offers, welcome bonuses, fees, and perks like travel credits and purchase protections.

We score cards within four primary categories:

  • 0% intro APR cards for paying down balances or financing purchases
  • Travel cards for maximizing points, miles, and perks on the road
  • Cash back and rewards cards for everyday spending value
  • Business cards designed to fit company expenses and growth

Top-rated cards typically combine strong long-term value, attainable bonuses, low fees, and standout protections or perks.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

What I like about the Prime Visa

I think of the Prime Visa like a secret coupon hack. It gives me an extra 5% off pretty much everything I buy with it.

My family's been spending more on Amazon lately, so any little discount helps. That's the main reason I signed up, and it's why this card has stuck around in my wallet.

Up to 5% back

The Prime Visa earns rewards across different spending categories. Here's the breakdown of the cash back structure:

  • 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 you spend $200/month on Amazon and nothing else, that's $120/year back without lifting a finger.

If your spend is way higher (my average is approaching $500 a month) then you'll earn way more.

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 $150 Amazon Gift Card

The sign-up bonus is one of the best new cardholder perks out there: Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members.

There's no spending requirement and no delay -- you can use it the same day.

When I applied, it took less than 60 seconds for the credit to show up in my account. And I applied that credit right to my next order. So easy!

No annual fee, no pressure

The Prime Visa has a $0 annual fee. So even if I go a few months without using the card, it doesn't cost me a thing to keep it open.

Honestly, I've set it as my default Amazon payment method -- and it mostly sits in a drawer the rest of the year. While I could use it for more stuff, I have other rewards cards that earn higher rates in other categories.

Consumer and travel protections

If you do use this card for travel bookings, it 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

Downsides to keep in mind

I don't think the Prime Visa has any glaring flaws. But there are some minor drawbacks with this card that might affect some people.

You need a Prime membership

You can't get this card (or any of its perks) without an active Amazon Prime subscription.

If you already have it for free shipping and streaming, you're good to go.

No 0% intro APR offer

Although this card has some "buy now pay later" options for specific purchases, it doesn't have a true 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:

Credit card comparison

We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.

Offer Our Rating Welcome Offer Rewards Program APR Learn More
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
Best for cash back on rotating categories 		Discover will match all the cash back you’ve earned at the end of your first year. Circle with letter I in it. INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. 1% - 5% Cashback Circle with letter I in it. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

Intro:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular: 17.99% - 26.99% Variable APR

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Rates & Fees External Link Icon

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
Best for long 0% intro APR 		N/A N/A

Intro: Circle with letter I in it. 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR on purchases for 21 months from account opening

Balance Transfers: 0% intro APR for 21 months from account opening on qualifying balance transfers

Regular: 16.99%, 23.49%, or 28.74% Variable APR

Apply Now for Wells Fargo Reflect® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

4.70/5 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
Best for unlimited rewards on purchases 		25,000 points (worth $250) Circle with letter I in it. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases 1.5-3 points per dollar Circle with letter I in it. Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open. Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.

Intro: Circle with letter I in it. 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.99% - 27.99% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.

Purchases: 0% Intro APR for 15 billing cycles for purchases

Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular: 17.99% - 27.99% (Variable)

Apply Now for Bank of America® Travel Rewards credit card

On Bank of America's Secure Website.

Is the Prime Visa worth it?

For most Prime members, the answer is a resounding yes.

Even if you spend just $100/month at Amazon or Whole Foods, the 5% back adds up to $60/year. That's on top of the $150 gift card you get on day one.

If you already pay for Prime, there's no annual fee which makes this a low-risk, high-potential reward card to keep long term.

How to apply for the Prime Visa card

Applying is fast and painless. My application took less than two minutes, and approval was instant.

Here's a quick overview of steps:

  • Visit this direct apply link for the Prime Visa
  • Make sure you're logged into your Amazon Prime account
  • Fill in personal details like income, address, and SSN
  • Most applicants get an instant decision
  • Your card will be shipped in the mail, but a virtual version will be activated instantly so you can start using it for purchases.

The $150 Amazon gift card will be automatically loaded into your Amazon account upon completion of sign-up.

Pro tip: Make sure to set the new card as the default payment method on your account. That way you'll get all the rewards for future orders.

Since this is a Chase credit card, it's a good idea to download the Chase mobile app to manage your account and set up auto-pay. Rewards are easy to redeem with the mobile app as well.

Final thoughts

If you're already a Prime member and spend money at Amazon or Whole Foods, you may as well get the Prime Visa and earn extra rewards.

It takes no effort to use, earns top rewards, and even comes with an instant welcome gift.

I'm personally saving hundreds each year with the Prime Visa. I highly recommend it to every Amazon shopper

Ready to start earning 5% back at Amazon and Whole Foods? Apply for the Prime Visa today and get a $150 Amazon gift card upon approval.

FAQs

  • Nope. This card is exclusive to Amazon Prime members. Without Prime, you'll be directed to the Amazon Visa, which only earns 3% at Amazon and Whole Foods.

  • You'll get it immediately after approval. It's added to your Amazon account as a gift card balance and can be used right away.

  • It's a decent travel card, because it earns 5% cash rewards on Chase Travel purchases and has no foreign transaction fees. The travel insurance and protections aren't bad either.

    That being said, there are no VIP travel perks or travel-specific rewards. If you are a frequent traveler it might make sense to use a travel rewards card as your primary for booking trips.

  • A good to excellent credit score (typically around 670 or higher) improves your chances. But approval also depends on income, debt-to-income ratio, and other personal info.