Amazon Visa Card — Full Review [2024]

Great Card If

• You frequently shop with Amazon or Whole Foods.
• You want a card that offers flexible redemption options.

Don’t Get If

• You don’t shop much with Amazon or do your grocery shopping at Whole Foods.
• You prefer a cash-back card that isn’t specific to a certain merchant.

Amazon Visa Card: Is It Worth It?

If you can’t get enough of Amazon and do your grocery shopping with Whole Foods, then you could really earn a lot of cash-back by using the Amazon Visa card.

The card is also rewarding for everyday purchases at restaurants, gas stations, local transit, commuting, and Chase Travel purchases. It also offers a solid suite of benefits that provide even more value to cardholders.

Amazon Visa Card Top Benefits

Baggage Delay and Lost Luggage Insurance

If your bag is delayed by more than 6 hours during your travels, your card covers you for any emergency supplies you purchase, like clothes or hygiene essentials, up to $100 per day for up to 3 days.

If your bag is lost entirely or any of the items inside of it are damaged, especially valuables, then you’re covered up to $3,000 per person per trip.

Auto Rental Coverage

When you pay for your rental car with the Amazon Visa card, you can decline the company’s collision insurance and be covered for theft and collision damage for most rental cars.

Keep in mind that this is secondary insurance coverage, so it only kicks in after you’ve submitted a claim with your primary car insurance provider (if you have one).

Purchase Protection

Obviously, if you’re planning on adding the Amazon Visa card to your wallet, you probably plan to buy a fair number of items from Amazon. Well, when you do, those items are covered against accidental damage or theft for up to $500 per claim and $50,000 per year, up to 120 days from the purchase date.

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. In order to get this coverage, you must have paid for the item with your Amazon Visa card.

Best Ways To Earn and Redeem Amazon Reward Points

The card offers plenty of great bonus categories to help you earn more rewards, including 3% back on Amazon and Whole Foods purchases, 3% back on Chase Travel purchases, and 2% back at restaurants, gas stations, and on local transit and commuting, including ride-sharing.

Cash-back earned with your Amazon Visa card is stored as rewards points within your Amazon account. These are worth a fixed 1 cent per point. This way, you can apply points toward any purchase when you’re ready to check out.

Fortunately, there is no minimum redemption amount, so you can use a few points to lower the total on each purchase or save them up toward a big redemption.

If you don’t want to redeem your rewards for Amazon purchases, you can also redeem your points for cash-back to offset other purchases made with your card, gift cards, and even travel purchases. These redemptions are only available to you when you sign in to your account with Chase. They are worth 1 cent per point, just like Amazon redemptions.

Alternative Cards to the Amazon Visa Card

Chase Freedom Unlimited^®

If you want a cash-back card that offers more flexibility when it comes to how to earn rewards and redeem them, then consider the Freedom Unlimited card. The card earns 1.5% back on all purchases, 3% back at restaurants and drugstores, and 5% back on travel purchases made through the Chase Travel portal. Not to mention that this powerful points earner also has a $0 annual fee.

Blue Cash Everyday^® Card from American Express

If you like the idea of earning rewards on grocery spending but don’t do much shopping with Amazon, then the Amex Blue Cash Everyday card might be perfect for you. With it, you earn 3% back at U.S. supermarkets, not just Whole Foods, up to $6,000 in purchases each year. The card also earns 3% back at U.S. gas stations and U.S. online retail purchases, up to $6,000 per year for each category, to help boost your cash-back savings even further.