Amazon Prime Rewards Visa Signature Card – Full Review [2021]

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Amazon Prime Rewards Visa Signature Card – Full Review [2021]

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

Learn More at Amazon.com

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

Cons

  • Amazon Prime membership required

The Ideal Cardholder

Online Shopping
If you’re a digital shopper, then you will likely find value in the Amazon Prime Signature card! Image Credit: Bloomicon via Shutterstock

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. It is also an excellent option for those who are looking for a card that offers the following 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, in 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.

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

  • Annual Fee
    • $0
  • Foreign Transaction Fees
    $0
  • Interest Rates ?
    • See issuer's terms
  • Late fees ?
    • Up to $37
  • Balance Transfers
    • See issuer's terms
  • Cash Advance APR
    • See issuer's terms

Best Way To Maximize Amazon Reward Points

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

Amazon and Whole Foods Purchases

It should be no surprise that you’ll want to make this your designated card for any and all purchases that you make with Amazon or Whole Foods, as when you do so you’re going to earn 5% cash-back. So whether you’re purchasing new items for the home, or grocery shopping for the family, the Amazon Prime Signature card is the perfect card to use.

Restaurant, Gas Station, and Drugstore Purchases

The Amazon Prime Signature card isn’t just rewarding for Amazon purchases, as you’ll also earn 2% back on all purchases at restaurants, gas stations, and drugstores. This gives cardholders a great opportunity to earn additional cash-back on more everyday purchases.

All Other Purchases

Cardholders also earn 1% cash-back on all other purchases falling outside of the above categories. So no matter what purchase you make with your Amazon Prime Signature card, you’ll always earn some cash-back.

Best Way To Redeem Amazon Reward Points

Amazon Purchases

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.

Cash-Back, Gift Cards, or Travel Purchases

Cardholders can also redeem their rewards for cash-back, gift cards, or travel purchases through their account on Chase.com. As with Amazon purchases, these redemption methods are worth 1 cent per point.

Bottom Line: You have plenty of options when it comes to redeeming the rewards earned with your Amazon Prime Signature card, but we recommend you opt to redeem them through Amazon, or for cash-back, as those 2 options provide the most flexibility. 

Alternative Cards to the Amazon Prime Signature Card

Chase Freedom Flex℠ Credit Card

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% during the purchases and 1% 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.


Frequently asked questions

Is the Amazon Prime Signature card worth it?

If you already have an Amazon Prime account, and you’re someone who spends 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 in order to get approved for the Amazon Prime Signature card. Whether or not you’re approved will depend on a variety of factors like your stated income, years of credit history, credit score, and the level of credit that may have already been extended to you from Chase bank.

But all things considered, you should feel good about your approval odds provided that 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 the card.

Does the Amazon Prime Signature card have an annual fee?

The Amazon Prime Signature card does not have an annual fee.

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 the 2: Amazon Rewards & Prime Rewards Visa Signature Credit Card Review – Everything You Need To Know.

Jarrod West

About Jarrod West

Jarrod first became fascinated with the world of points and miles as the perfect way to visit dream destinations without breaking the bank. On his first major award trip, he spent 3 months traveling through Europe, financed nearly entirely with points; while flying in premium cabins and staying in 5-star hotels along the way. Now, he is on a mission to help others realize their travel goals and upgrade their travel experiences. Jarrod has been writing about credit cards and travel loyalty programs for 4 years, and his work has been featured by Travel and Leisure, Matador Network, Yahoo Finance, and U.S. News.

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