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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little ca...
With a degree in media and journalism, Stella has been in the points and miles game for more than 6 years. She most recently worked as a Corporate Communications Analyst for JetBlue. Find her work in ...
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Amazon Prime Visa Card
U.P. Rating
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.
4.26
$100 (or more) Amazon Gift Card
$0
19.49% - 27.49% Variable
Amazon Prime Visa Card
A strong cash-back card if you shop regularly at Amazon.com and Whole Foods.
U.P. Rating
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.
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.
Card Snapshot
Welcome Bonus & Info
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
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 Visa Card — Is It Worth It?
The Amazon Prime Visa 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, plus 10% back or more on a rotating selection of items. So those that do quite a bit of shopping with the online shopping can add up to some serious savings!
Amazon Prime Visa 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 Visa 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 emergency supplies like toiletries or clothing purchases.
On the other hand, if the carrier loses your bag or damages it during transit, you’re covered up to $3,000 per person per trip.
Auto Rental Collision Damage Waiver
In the U.S., rental car coverage is secondary when you decline the rental company’s collision insurance and pay for your rental car with the Amazon Prime Visa card.
How To Earn and Redeem Amazon Reward Points
The best way to earn more rewards points is by using your card for all of your purchases, as you’ll earn 5% on Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, plus 10% back or more on a rotating selection of items and categories on Amazon.com. You’ll also earn 2% back at gas stations, restaurants, local transit and commuting (including rideshare) and 1% on all other eligible purchases.
When you earn cash-back with the Amazon Prime Visa card, the rewards come as points worth 1 cent each. You can then redeem all of the rewards you earn towards purchases with Amazon right when you checkout. No minimum redemption is required, so you’ll always be able to put any points earned toward any new purchase. Or you can opt for cash-back and apply it to your credit card bill.
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.
The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
$200
$0
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.
The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.
Pros
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
No annual fee
Excellent cell phone insurance
Ability to pool points
Mastercard World Elite benefits
Cons
3% foreign transaction fees in U.S. dollars
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5% cash back on travel purchased through Chase Ultimate Rewards®, 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 unlimited 1% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
The Freedom Flex card might be a great option if you’re looking for a card with flexible rewards, no annual fee, and a strong earning structure. 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.
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand fees are all taken into account. Compensation from the issuer does not affect our rating.We only recommend products we either use ourselves or endorse.
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
None
$0
19.24% - 29.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Fair to Excellent (580-850)
The Citi® Double Cash Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!
This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.
Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.
Pros
Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
Flexible redemption options
No annual fee
Cons
No bonus categories
3% foreign transaction fees
Lack of premium travel benefits
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
To earn cash back, pay at least the minimum due on time.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Financial Snapshot
APR: 19.24% - 29.24% Variable
Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase
The Double Cash card might be the perfect fit if you prefer a credit card that keeps things simple. 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.
We’ve also compared the Amazon Prime Visa card to these popular cards:
The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Amazon Rewards Visa Signature Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Frequently Asked Questions
If you have an Amazon Prime account and spend a lot of money throughout the year with Amazon and Whole Foods, the card is worth holding. Not only is the card great for those purchases, but you’ll also earn rewards at restaurants, gas stations, and local transit and commuting, all for no annual fee.
No set credit score is needed to get approved for the Amazon Prime Visa card. Whether or not you’re approved will depend on various 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.
Yes, the Amazon Prime Visa card can be used anywhere that Visa credit cards are accepted.
To cancel your card, simply call the phone number on the back of your Amazon Prime Visa card and tell the customer service representative that you would like to cancel it.
If you have an eligible Prime membership associated with the Amazon.com account through which you apply for your card account, you would qualify for the Amazon Prime Visa 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 Visa Credit Card Review – Everything You Need To Know.
Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
