Review
Updated
Fact Checked
Nathan Alderman
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.
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
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
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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= Best
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Apply Now for Prime Visa
On Chase's Secure Website.
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 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 Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
Get a $100 Amazon Gift Card
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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.
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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 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
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 |
|---|---|---|---|---|---|
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Rating image, 5.00 out of 5 stars.
5.00/5
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 |
Discover will match all the cash back you’ve earned at the end of your first year. N/A | 1% - 5% Cashback 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—automatically. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 17.24% - 28.24% Variable APR |
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Rating image, 5.00 out of 5 stars.
5.00/5
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
= Good
= Fair = Poor |
Up to $300 cash back Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. | 1.5% - 5% cash back Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases |
Intro: 0% Intro APR on Purchases and Balance Transfers for 15 months Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months Regular: 20.49% - 29.24% Variable |
Apply Now for Chase Freedom Unlimited®
On Chase's Secure Website. |
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Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Rating image, 4.50 out of 5 stars.
4.50/5
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
= Good
= Fair = Poor |
60,000 bonus points Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠. | 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. |
Intro: N/A Purchases: N/A Balance Transfers: N/A Regular: 21.49%-28.49% Variable |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
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.
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
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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.
American Express is an advertising partner of The Ascent, a Motley Fool company. John Mackey, former CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. JPMorgan Chase is an advertising partner of The Ascent, a Motley Fool company. 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. Lyle Daly has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Amazon, JPMorgan Chase, Target, and Visa. The Motley Fool has a disclosure policy.
The Motley Fool owns shares of and recommends Visa.