Edited by: Nick Ellis
& Stella Shon
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If you’re looking for a Visa credit card that can be used anywhere, you’ll find an endless selection of available cards. If you’re a frequent traveler or an avid Amazon.com shopper, the field of desirable options could narrow quickly.
You would want a card that doesn’t charge foreign transaction fees, for example. Plus, the card you select should earn well on your specific spending mix.
Redemption options, travel benefits, and shopping benefits may also be priorities.
Fortunately, there are 2 popular cards that fit these preferences perfectly. The Chase Sapphire Preferred® Card and the Amazon Prime Visa Card are 2 dynamic cards that are at the forefront of our agenda today.
We’ll compare how these cards earn rewards, your options at redemption time, and the protections and benefits that come with each card.
If you’re either a traveler or an Amazon.com shopper, or both, you’ll want to read on.
However, if you’re in a hurry and want a quick overview, we’ve provided that for you here:
|Feature or Benefit||Chase Sapphire Preferred® Card||Amazon Prime Visa card|
|Welcome Offer||Earn 60,000 points after spending $4,000 on purchases in the first 3 months.||Get a $100 (or more) Amazon Gift Card instantly upon approval exclusively for Prime members|
|Travel Protections and Benefits||
Shopping Protections and Benefits
|Annual Fees and Authorized Users||
When you’re approved for either the Chase Sapphire Preferred card or the Amazon Prime Visa card, you’ll have the opportunity to earn a welcome offer.
While welcome offers vary, you’ll find the most current ones in the following card snapshots:
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.
Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.
We all do our fair share of shopping on Amazon, some of us more than others, and when we shop with Amazon, we obviously want to get the best deal possible. Now, with the Amazon Prime Visa Card, you can add a credit card to your wallet that will help you do just that.
You’ll not only earn rewards on all of your Amazon and Whole Foods purchases, but on 4 other bonus categories as well, along with flexible redemption options, all for no annual fee!
When you consider everything that the Amazon Prime Visa card offers, it is basically a no-brainer for those who frequently shop with Amazon. Let’s dig a little deeper to see just how much the card can save you.
The Chase Sapphire Preferred card earns flexible Ultimate Rewards points while the Amazon Prime Visa card earns Amazon points that can be used for Amazon purchases, cash-back, and more.
While both cards earn rewards on every purchase you make, bonus-earning categories will ultimately determine the level of rewards you’ll earn on your own specific spending mix.
Keep in mind your highest spending categories, and how those expenses would be rewarded, as we review the earning categories for our featured cards.
|Earning Category||Chase Sapphire Preferred Card||Amazon Prime Visa Card|
|Amazon.com, Amazon Fresh, Whole Foods||
||5% cash-back with eligible Amazon Prime membership|
|Dining||3x points||2% cash-back|
|Gas Stations, Drugstores||1x points||
2% cash-back (gas)
1% cash-back (drugstores)
|Transit and Commuting||
|Online Grocery Purchases, Select Streaming Services||3x points||1% cash-back|
|All Other Purchases||1x points||1% cash-back|
10% bonus points at each card anniversary, based on total purchases
10% cash-back, or more, on select rotating category Amazon purchases
If you’re a frequent traveler, you’re going to fare well with the Chase Sapphire Preferred card. The card offers elevated earnings on travel purchases and on everyday expenses such as dining, online groceries, and select streaming services.
If your spending mix consists mostly of Amazon.com purchases, Whole Foods, and everyday purchases such as dining, gas stations, and transit/commuting, that mix will earn more with the Amazon Prime Visa card.
When it’s time to redeem your hard-earned rewards, it’s good to have options. The Chase Sapphire Preferred card is known for its flexibility at redemption time and for the potential value you could receive when redeeming points for travel with airline and hotel partners.
The Amazon Prime Visa card also offers choices at redemption time but at a fixed value.
Let’s look at your options when it’s time to redeem the rewards earned on either of our featured cards.
|Redemption Options||Chase Sapphire Preferred Card||Amazon Prime Visa Card|
|Amazon Purchases||Redeem points at checkout for 0.8 cents each||Redeem cash-back points at checkout for 1 cent each|
|Additional Redemption Options||Statement credit, Pay Yourself Back, gift cards, shopping with select retailers, cash, charitable contributions||Statement credit, gift cards, cash|
Redeeming Ultimate Rewards points earned on the Chase Sapphire Preferred card by transferring to airline or hotel partners can result in the best value for those rewards.
Amazon points earned on the Amazon Prime Visa card have a fixed value of 1 cent each which results in rewards redeemed for Amazon purchases at checkout, a statement credit, or a direct deposit of equal value.
While you can redeem Amazon points for travel via Chase and Ultimate Rewards points for shopping at Amazon, neither of these options is recommended.
Amazon points have a fixed value of 1 cent each, so if redeeming for travel, a statement credit to wipe out any previous travel purchase would make more sense.
And, while you could use Chase Ultimate Rewards to shop at Amazon, you’ll receive a poor value of less than 1 cent each for your points.
Earning and redeeming rewards may be the key reasons we select and use a particular credit card but travel protections and benefits can add significant value to cardholders.
Travel protections and benefits can give you peace of mind during your travels, provide assistance if something should go wrong, and even save you money.
Here are the key protections and benefits you’ll find on both the Chase Sapphire Preferred card and the Amazon Prime Visa card:
In addition to the travel protections and benefits listed above, the Chase Sapphire Preferred card has these additional distinct features:
Shopping protections can provide coverage if something should go wrong with an eligible purchase you’ve made with your card. Shopping benefits can save you money, add convenience, or help you earn additional rewards on your purchases.
Here are the protections you’ll find on both the Chase Sapphire Preferred card and the Amazon Prime Visa card:
You’ll find these additional benefits on each individual card:
The Chase Sapphire Preferred card has an annual fee of $95, which is actually on the low end for a travel rewards credit card with so many protections and benefits.
The Amazon Prime Visa card has a $0 annual fee, but you must be an Amazon Prime member to earn 5% cash-back.
Neither card charges a fee to add an authorized user.
Both the Chase Sapphire Preferred card and Amazon Prime Visa card are Visa Signature cards issued by Chase. Before applying for either card, you’ll want to review Chase’s 5/24 rule which can affect card approvals.
You will need to have an Amazon Prime membership to be approved for the Amazon Prime Visa card.
To qualify for the Chase Sapphire Preferred card or the Amazon Prime Visa card it’s recommended to have a good to excellent credit score. A good credit score is generally considered 670 to 739 and an excellent score is considered 740 to 850.
In order to utilize the Shop With Points option and to take advantage of any Amazon promotions, you must first link your eligible credit card to your Amazon account.
The benefit descriptions in this article have been abbreviated and not all features and benefits are listed. The Guide to Benefits for each card is the official source for full descriptions and the applicable terms and conditions.
The Chase Sapphire Preferred card is the better overall card for earning flexible rewards, having high-value potential at redemption time, and its collection of travel/shopping protections and benefits. Plus, the card comes with a generous welcome offer that is difficult to ignore, all for just a $95 annual fee.
If you’re not a traveler, you shop frequently at Amazon.com, and have an Amazon Prime membership, a case could be made for the Amazon Prime Visa card, especially with a $0 annual fee.
Before you apply for either card, be sure to review the Chase 5/24 rule mentioned above.
The Chase Sapphire Preferred card is the better card for earning on travel and for flexible good-value redemption, and it comes with more protections and benefits than the Amazon Prime Visa card. The card also comes with a generous welcome offer.
If you’re not a traveler, shop at Amazon.com frequently, and are an Amazon Prime member, the Amazon Prime Visa card would be the better card for that purpose.
Yes. You can use the Amazon Prime Visa card anywhere Visa cards are accepted.
You can redeem Amazon points earned on the Amazon Prime Visa card for travel via Chase by calling in. However, a better option is to just make a travel purchase using your card, with any travel provider, and then redeem points for a statement credit or cash-back.
No, the Amazon Prime Visa card does not charge foreign transaction fees.
Yes, after linking your card, you can use Chase Ultimate Rewards points to pay for your purchase when checking out on Amazon.com. This, however, results in poor value for your rewards points at just 0.8 cents each.
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