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Amazon Prime Rewards Visa Signature Card – Full Review [2023]

Name: Amazon Prime Rewards Visa Signature Card – Full Review [2023]
Item: Amazon Prime Rewards Visa Signature Card
Rating: 4.26
Author: Jarrod West

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"5% back on all Amazon purchases!"

A strong cash-back card if you shop regularly at Amazon.com and Whole Foods.

Learn More (at Amazon.com)

Jarrod West

- Updated: February 17, 2023, 4:57pm CST

The information regarding the Amazon Prime Rewards Visa Signature Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

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 Rewards Visa Signature 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 3 other bonus categories as well, along with flexible redemption options, all for no annual fee!

When you consider everything that the Amazon Prime Signature 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.

Pros

5% cash-back at Amazon and Whole Foods Market
2% cash-back at restaurants, gas stations, and drugstores
1% cash-back on all other purchases
Up to 20% back on rotating Amazon categories and products
No annual fee
No foreign transaction fees
Flexible redemption options
Purchase protection/extended warranty protection

Cons

Amazon Prime membership required

Amazon Prime Signature Card — Snapshot

Welcome Bonus & Info (Partner Content)
- Earn 5% back at Amazon and Whole Foods Market with an eligible Prime membership
- Earn 2% back at restaurants, gas stations, and drugstores
- Earn 1% back on utilities, rideshare, and all other purchases
- No annual fee
- No foreign transactions fees
Card Categories:
Related Articles
- Amazon Rewards & Prime Rewards Visa Signature Credit Card Review – Everything You Need To Know
- The Best Credit Cards for Amazon.com Purchases

Great Card If

You do a lot of shopping with Amazon or Whole Foods and want a card that earns cash-back on these purchases
You want a card that offers purchase protection and travel protection
You want a card that offers flexible redemption options

Don't Get If

You don’t shop much with Amazon or Whole Foods
You don’t have, or don’t want, an Amazon Prime account

Amazon Prime Signature Card — Fees

Foreign Transaction Fees
$0
Late fees
- Up to $37

Amazon Prime Signature Card - Is It Worth It?

If you’re a digital shopper, then you will likely find value in the Amazon Prime Signature card! Image Credit: Christian Wiediger via Unsplash

The Amazon Prime Signature card is a perfect option for anyone who frequently shops with Amazon and its subsidiary Whole Foods and wants to earn cash-back rewards on those purchases.

Holding the card effectively gives you a 5% discount on everything you buy at Amazon, so if you do quite a bit of shopping with the online shopping giant, then this discount can amount to some serious savings!

Amazon Prime Signature Card Top Benefits

Purchase Protection

Any purchases made with your card, within the first 120 days from the purchase date, are covered against accidental damage or theft up to $500 per claim and $50,000 per year.

To qualify, at least part of your purchase needs to be made with your card, and you can receive a replacement, repair, or reimbursement for your item.

Extended Warranty Protection

This protection increases the U.S. manufacturer’s warranty of an item by 1 year if the original warranty is less than 3 years. At least part of the item needs to have been purchased with your Amazon Prime Signature card.

Baggage Delay and Lost Luggage Insurance

If your travel carrier delays your bag by more than 6 hours, you will be covered up to $100 per day, for up to 3 days, for purchases of emergency supplies like toiletries or clothing.

On the other hand, if the carrier loses your bag or damages it during transit, then you’re covered up to $3,000 per person per trip.

20% Back on Rotating Amazon Products and Categories

Periodically, Amazon will offer select products and categories where cardholders can earn up to 20% off their purchase when they pay with their card. Eligible products and categories will fluctuate, but you can always refer to this product page on the Amazon website for the updated list.

How To Earn and Redeem Amazon Reward Points

Amazon box — Earn 5% back on every Amazon purchase with the Amazon Prime Signature card. Image Credit: Blexpi via Shutterstock

The best way to earn more rewards points is by using your card for all of your purchases, as you’ll earn 5% back at Amazon and Whole Foods, 2% at restaurants, gas stations, and drugstores, and 1% back on everything else.

When you earn cash-back with the Amazon Prime Signature card, the rewards come as points that are worth 1 cent each. You can then redeem all of the rewards you earn towards purchases with Amazon right when you checkout. There is no minimum redemption required, so you’ll always be able to put any points earned towards any new purchase. Or you can opt for cash-back and apply it to your credit card bill.

Alternative Cards to the Amazon Prime Signature Card

Chase Freedom Flex℠ Credit Card

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If you’re looking for a card with flexible rewards, no annual fee, and a strong earning structure, the Freedom Flex card might be a great option. The card earns 5% back on rotating bonus categories like gas and groceries, 5% back on travel purchased through the Chase Ultimate Rewards portal, and 3% back on dining and drugstore purchases. So while it is not as rewarding for Amazon purchases, it makes for a great everyday card.

Citi® Double Cash Card

If you prefer a credit card that keeps things simple, then the Double Cash card might be the perfect fit for you. The card earns a flat 2% cash-back on all purchases — 1 ThankYou Point when making the purchases and 1 ThankYou Point when you pay your balance — all for no annual fee. So if you value simplicity over tiered rewards rates, you’ll love the Double Cash card.

The information regarding the Amazon Rewards Visa Signature Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Featured Image Credit: Chase

Frequently asked questions

Is the Amazon Prime Signature card worth it?

If you already have an Amazon Prime account, and you spend a lot of money throughout the year with Amazon and Whole Foods, then the card is definitely worth holding. Not only is the card great for those purchases, but you’ll also earn rewards at restaurants, gas stations, and drugstores, all for no annual fee.

What credit score is needed for the Amazon Prime Signature card?

There is no set credit score needed to get approved for the Amazon Prime Signature card. Whether or not you’re approved will depend on a variety of factors including your stated income, years of credit history, credit score, and the level of credit that may have already been extended to you by Chase bank.

But all things considered, you should feel good about your approval odds if your credit score is at least 700 and you have a couple of years of good credit history.

Can the Amazon Prime Signature card be used anywhere?

Yes, the Amazon Prime Signature card can be used anywhere that Visa credit cards are accepted.

How can you cancel the Amazon Prime Signature card?

To cancel your card, simply call the phone number on the back of your Amazon Prime Signature card and tell the customer service representative that you would like to cancel it.

Does the Amazon Prime Signature card have an annual fee?

The Amazon Prime Signature card does not have an annual fee, but you do have to pay for an Amazon Prime membership.

What is the difference between the Amazon Prime Rewards Visa Signature Card and the Amazon Rewards Visa Signature Card?

If you have an eligible Prime membership associated with the Amazon.com account through which you apply for your card account, you would be eligible for the Amazon Prime Signature card. If you are not a Prime member, you would be eligible for the Amazon Signature card. The Amazon Signature card has a lower welcome bonus and lower Amazon and Whole Foods rewards (3% vs. 5%). See our article comparing these cards: Amazon Rewards & Prime Rewards Visa Signature Credit Card Review – Everything You Need To Know.

About Jarrod West

Jarrod has been writing about the ins and outs of credit cards and loyalty programs, along with airlines and hotels, for over 6 years. He is regularly called upon to share his expertise on the latest news within the space, and has been featured in publications such as Matador Network, The New York Times, RetailMeNot, and Yahoo! Finance. Jarrod has over 20 credit cards in his wallet and has tested out dozens more in order to vet the very best card options for readers. As he is constantly sampling new cards, Jarrod also earns (and redeems) over 1 million points and miles each year. This allows him to book luxury travel experiences the world over, and save tens of thousands of dollars in the process.

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