Review
Updated
Fact Checked
Nathan Alderman
Offer status
This offer is unavailable on The Ascent. The information related to Prime Visa has been collected by The Ascent and has not been reviewed or provided by the issuer.
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
Great for: Amazon Prime members
Rating image, 5.00 out of 5 stars.
5.00 stars
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
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 Unlimited 5% back at Amazon, AmazonFresh, and Whole Foods; unlimited 5% back on Chase Travel purchases with an eligible Prime membership; 2% back at restaurants, gas stations, local transit, and commuting (including rideshare); and 1% back on other purchases
1% - 5% back
Annual Fee
$0
Welcome Offer Get a $100 (or more) Amazon Gift Card instantly upon approval exclusively for Prime members
Get a $100 (or more) Amazon Gift Card
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The fact that this card includes no annual fee makes it an easy call for Amazon Prime members. Simply put, the cash back rate is among the highest you'll find for Amazon and Whole Foods purchases.
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- 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
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- Get a $100 (or more) Amazon Gift Card instantly upon approval exclusively for Prime members
- Earn 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
- Earn 2% back at gas stations, restaurants and on local transit and commuting (including rideshare)
- Earn 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
The information related to Prime Visa has been collected by The Ascent and has not been reviewed or provided by the issuer.
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% back at Amazon, Amazon Fresh, and Whole Foods
- 5% back on Chase Travel purchases
- 2% back at gas stations, drugstores, local transit, and commuting (including rideshare)
- 1% back 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 at Chase.com for cash back, gift cards, or travel.
Get a $100 (or more) Amazon Gift Card
Get a $100 (or more) 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.
10% back or more with Prime Card Bonus
As a Prime cardmember, you can earn 10% back or more on a rotating selection of items and categories on Amazon. These are limited-time offers, but they're a great way to earn even more cash back.
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
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. Although this card has a $95 annual fee (see rates and fees), 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 Oct. 03, 2023
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Prime Visa |
Blue Cash Preferred® Card from American Express | Wells Fargo Active Cash® Card |
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Rating image, 5.00 out of 5 stars.
5.00 stars
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 stars
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 stars
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 |
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Apply Now for Blue Cash Preferred® Card from American Express
On American Express' Secure Website. Terms apply |
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Credit Rating Requirement:
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:
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:
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) |
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Welcome Offer: Get a $100 (or more) Amazon Gift Card instantly upon approval exclusively for Prime members Get a $100 (or more) Amazon Gift Card |
Welcome Offer: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. $250 |
Welcome Offer: $200 cash rewards bonus after spending $500 in purchases in the first three months $200 cash rewards offer |
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Rewards Program: Unlimited 5% back at Amazon, AmazonFresh, and Whole Foods; unlimited 5% back on Chase Travel purchases with an eligible Prime membership; 2% back at restaurants, gas stations, local transit, and commuting (including rideshare); and 1% back on other purchases 1% - 5% back |
Rewards Program: 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 and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases. 1% - 6% cash back |
Rewards Program: 2% cash rewards |
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Intro APR: Purchases: N/A Balance Transfers: N/A |
Intro APR: Purchases: 0%, 12 months Balance Transfers: 0%, 12 months |
Intro APR: 0% intro APR, 15 months from account opening on 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 |
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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 |
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Annual Fee: $0 |
Annual Fee: $0 intro annual fee for the first year, then $95. |
Annual Fee: $0 |
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Highlights:
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Highlights:
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Apply Now for Blue Cash Preferred® Card from American Express
On American Express' Secure Website. Terms apply |
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The information related to Prime Visa has been collected by The Ascent and has not been reviewed or provided by the issuer.
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.
FAQs
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The credit limit for the Prime Visa ranges from $500 to over $10,000 depending on the cardholder's income and credit history.
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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.
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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
Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! Finance. He was born in California but currently lives as a digital nomad with a home base in Colombia.
Fact Checked
Nathan Alderman
Nathan Alderman has worked with The Motley Fool since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As The Ascent's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.
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We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.
John Mackey, former CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. Citigroup is an advertising partner of The Ascent, a Motley Fool company. Wells Fargo is an advertising partner of The Ascent, a Motley Fool company. JPMorgan Chase is an advertising partner of The Ascent, a Motley Fool company. American Express is an advertising partner of The Ascent, a Motley Fool company. Lyle Daly has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Amazon.com, JPMorgan Chase, Target, and Visa. The Motley Fool has a disclosure policy.
For rates and fees for the Blue Cash Preferred® Card from American Express, click here
The Motley Fool owns shares of and recommends Visa.