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Amazon Rewards Visa Signature Credit Card – Full Review [2022]

Name: Amazon Rewards Visa Signature Credit Card – Full Review [2022]
Item: Amazon Rewards Visa Signature Credit Card
Rating: 3.5
Author: Jarrod West

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"Save Even More on Amazon"

The Amazon Signature card will save you big, not only on Amazon, but also at gas stations, restaurants, and drugstores.

Learn More (at Chase's secure site)

Jarrod West

- Updated: November 21, 2022|

3Comments

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

These days, we are online shopping now more than ever, and if there is a website that reigns supreme when it comes to online shopping, it’s Amazon.

If you’re someone who regularly shops with Amazon, then it could make sense to add a credit card to your wallet that provides some cash-back for all of those purchases — that is where the Amazon Rewards Visa Signature Card comes in.

In this guide, we will provide a breakdown of the benefits and cash-back you can receive from the Amazon Signature card to help you determine if the card makes sense for you.

Pros

3% cash-back at Amazon and Whole Foods Market
2% cash-back at restaurants, gas stations, and drugstores
1% cash-back on all other purchases
No foreign transaction fees
No annual fee
Purchase protection/extended warranty protection
Baggage insurance
Rental car insurance

Cons

Earns less cash-back on Amazon and Whole Foods purchases than the Amazon Prime Rewards Visa Signature Card

Amazon Signature Card — Snapshot

Welcome Bonus & Info (Partner Content)
- Get a $50 Amazon.com gift card upon approval
- 3% cash-back for purchases on Amazon.com
- 2% cash-back for purchases at gas stations, restaurants, drugstores, and pharmacies
- 1% cash-back for all other purchases
- Use cash-back directly on Amazon.com; 100 pts = $1
- Also redeem for other awards in Chase’s online portal, including statement credits, gift cards, or even travel!
Card Categories:
Rewards Center
View your rewards by logging into your account at Chase.com.
Customer Service Number
800-493-3319 (Available 24/7)
Login Link
https://www.chase.com/
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 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 Signature Card — Fees

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

Amazon Signature Card - Is It Worth It?

Amazon Home Page — The Amazon Signature card is perfect for people who love shopping with Amazon. Image Credit: Amazon

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 Signature card.

The card is also rewarding for everyday purchases at restaurants, gas stations, and drugstores, plus offers a solid group of benefits that provides even more value to cardholders.

Amazon Signature Card Top Benefits

Baggage Delay and Lost Luggage Insurance

If your bag is delayed by more than 6 hours during your travels, your card will cover 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.

Rental Car Collision Damage Waiver

When you pay for your rental car with the Amazon Signature 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 will only kick 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 Signature card to your wallet, you probably plan to buy a fair amount 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 Signature card.

Best Ways To Earn and Redeem Amazon Reward Points

Whole Foods vegetables — Earn 3% back on all your purchases at Whole Foods with the Amazon Signature card. Image Credit: Whole Foods

The card offers plenty of great bonus categories to help you earn more rewards, including 3% back on Amazon and Whole Foods purchases, plus 2% back at restaurants, gas stations, and drugstore purchases.

Cash-back earned with your Amazon Signature card is stored as rewards points within your Amazon account that are worth a fixed 1 cent per point. This way, you’ll have the option of applying points towards any purchase when you’re ready to check out.

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

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

Alternative Cards to the Amazon Signature Card

Chase Freedom Unlimited®

If you want a cash-back card that offers more flexibility when it comes to how to earn rewards, and how to redeem them, then consider the Freedom Unlimited card. The card earns 1.5% back on all purchases, plus 3% back and restaurants and drugstores, and 5% back on travel purchases made through the Chase travel portal. Not to mention that this powerful point earner also has no 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’ll earn 3% back at any supermarket, not just Whole Foods, up to $6,000 in purchases each year. The card also earns 2% back at gas stations and department stores to help boost your cash-back savings even further.

For rates and fees of the Blue Cash Everyday® Card from American Express, click here.

Featured Image Credit: Amazon

Frequently asked questions

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

The cards are virtually identical except for 2 very key differences:

The Amazon Prime Signature card is only available to those who have an Amazon Prime account, whereas the Amazon Signature card is available to anyone.
The Amazon Prime Signature card earns 5% back on Amazon and Whole Foods purchases compared to the 3% with the Amazon Signature card.

For a full comparison of the 2, check out our post on the Amazon Rewards & Prime Rewards Visa Signature Credit Card Review – Everything You Need To Know.

Does the Amazon Signature card have an annual fee?

The Amazon Signature card does not charge an annual fee.

Can the Amazon Signature card be used anywhere?

Yes, you can use your Amazon Signature card anywhere in the world that accepts Visa cards.

Is the Amazon Signature card worth it?

If you shop often with Amazon or Whole Foods and don’t have an Amazon Prime account, then the Amazon Signature card can save you a lot in cash-back.

But depending on how often you shop with Amazon, you should consider adding a Prime account so that you can upgrade to the Amazon Prime Signature card and earn 5% back instead of 3%.

What credit score is needed for the Amazon Signature card?

You do not need to have a certain credit score in order to be approved for the Amazon Signature card, although it is true that the higher your credit score is, the more likely you are to be approved. But as long as your credit score is at least 700, you should feel good about your approval odds.

Is Amazon Prime free with the Amazon Signature card?

No, the Amazon Signature card does not include a free Amazon Prime membership, nor does the Amazon Prime Signature card.

Can you cancel your Amazon Signature card anytime?

Yes, you can cancel your Amazon Signature card whenever you’d like by dialing the number on the back of the card. Although, since the card does not charge an annual fee, you’d likely be better off keeping it open to help improve your credit history.

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.

Joyce Brant November 25, 2018
Please cancel credit card.
- Alex Miller November 25, 2018
  Hi Joyce, we’re just a travel blog 🙂 You’ll need to call the number on the back of your credit card so you can speak to the bank in order to get it cancelled. Thanks
BillyBoy0823 May 5, 2020
I bought a number of items off Amazon Using the Chase Amazon card with their flexible financing offers, as well as an item that wasn’t on the flexible plan for around $50.00. I ALSO Was offered a 0% transfer offer for 12 months. Nothing said that would void any other offers. The cost was $28.00. The next statement tells me I have to pay off the $28.00 PLUS the $700.00 amount (which was supposed to be for 12 months) as well as the one $50.00 item to AVOID Interest. Now an HONEST company would have charged for the $50.00 item first, and then 1/12th the remaining balance as offered through the Flexible financing, but not these thieves. DO NOT TRUST THEM FOR THEIR OFFERS!!!

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