Amazon Rewards Visa Signature Credit Card Review

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"Save Even More on Amazon"

While not a points card, this Amazon credit card will save you big not only on Amazon, but also in gas, restaurants, and drugstores. A simple card with no annual fee for the online shopper!

You’ve run out of toilet paper, you need a new rug, and you want to shop for another TV. Luckily, Amazon is just a click away.

When you use the Chase Amazon.com Rewards Visa Card, you’ll not only get the convenience of home delivery, but you can now save even more money!

Card Snapshot

The Ideal Cardholder

Online Shopping
If you’re a digital shopper, then you will likely find value in the Chase Amazon.com Rewards Visa Card!

Chase Amazon.com Rewards Visa Card Sign-Up Bonus

Signing up for the Amazon credit card right now will give you the sign up bonus mentioned above. Then, you’ll earn 3% cash-back on all Amazon purchases by using the card.

Not stopping there, the Chase Amazon.com Rewards Visa Card also earns 2% cash-back in three different categories: restaurants, drugstores, and gas stations. All of these accumulate on your card to be used for cash-back rewards.

This card has no annual fee, so all the cash-back you earn goes directly in your pocket!

The Advantage of Using the Chase Amazon.com Rewards Visa Card

The most obvious benefit of the card is getting 3% cash-back on all of your Amazon purchases. Not only do you get the potential savings by shopping online, but you also get a 3% discount on top of that.

You can still use other coupons, discounts, or gift cards on top of that to get an even better deal, which makes the card even more powerful.

If you’re not much of a traveler, but you drive around town, have prescriptions, and eat out a lot, then the Amazon reward credit card is a great option. You’ll get 2% cash-back at all of these places.

Any cash-back you earn accumulates in your portal, although it exists outside of Chase Ultimate Rewards. You can use the cash-back in the Chase portal for gift cards, statement credit, and even travel!

Reward points can also be used to offset your Amazon.com balance directly if you choose; this will be at the typical value of 100 points per $1.

Bottom Line:  The Chase Amazon.com Rewards Visa Card is ideal for non-travelers who frequently shop on Amazon, eat out, get gas, and use drugstores. The 2-3% cash-back has no limits, but rewards cannot be redeemed for better than 100 points per $1.

The Pros and Cons of Using the Card for Travel Redemptions

The good news about the Amazon credit card is that you can use it for travel. The bad news is that if you do, it’s not as valuable as other rewards cards.

While there used to be fixed price rewards that could get a slightly higher value, rewards are now only available at standard 100 points per $1.

Even worse, the reward points can’t be combined with any other Chase cards.

For those who primarily use a hotel card, you can use the Chase Amazon.com Rewards Visa Card for flights and that hotel card to book hotels.

Disadvantages of the Card and Alternatives

As discussed above, the disadvantages are that the Amazon reward credit card rewards cannot be combined with those of other Chase cards. You also won’t be able to boost the value of the points past $0.01 each.

If you don’t really utilize the categories this card earns in, then it will probably be a disappointment for you.

Alternative cash-back cards include the following:

While the Citibank and Capital One cards above earn evenly for all purchases, the Chase Freedom® and Blue Cash Preferred® Card from American Express have a variety of different categories they earn in.

These include the rotating Chase categories as well as supermarkets, gas stations, and department stores (U.S. stores only for American Express cards).

Bottom Line:  The Chase Amazon.com Rewards Visa Card rivals the other cash-back cards out there. Deciding which one will be most valuable for you depends on what categories you spend in the most, so review each card as necessary.

Final Thoughts on the Card

For a big Amazon shopper, this card is incredible. Giving you constant 3% cash-back will certainly allow you to save some money to pay for something else you need.

The addition of 2% cash back for a card that has no annual fee is great, and easily rivals the other cash-back cards out there if you’re spending in the right categories.

Having multiple redemption options also is a plus, although they’re all about the same value. All things considered, the Chase Amazon.com Rewards Visa Card should be something you can use with confidence.

Great Card If

  • You’re a big Amazon shopper!
  • You also use a lot of gas, utilize the drugstore, and eat out frequently

Don't Get If

  • You are looking for higher value travel rewards
  • You don’t utilize the card categories

Card Fees

  • Annual Fee
    • $0
  • Foreign Transaction Fees
    3%
  • Interest Rates ?
    • See Issuer's Terms
  • Late fees ?
    • Up to $37
  • Balance Transfers
    • See Issuer's Terms
  • Cash Advance APR
    • See Issuer's Terms

U.P. Pro Tips

To maximize your cash-back, you just need to be sure to use your Chase Amazon.com Rewards Visa Card for all purchases in the categories the card covers.

Be aware that you can purchase almost anything on Amazon these days, so you may want to shift even more of your purchasing there to maximize your rewards.

Packages from Shopping Online
You can purchase almost anything on Amazon.com. Browse around and see if things you would normally buy at the store are just as cost effective online, and earn 3% cash-back for the purchases!

Best Way To Maximize Points

The obvious way to maximize cash-back with the Chase Amazon.com Rewards Visa Card is to use Amazon to make the majority of your purchases, which immediately earns 3% cash-back.

If your spending is also heavy toward gas, dining, and drugstores, then you will definitely be maximizing your cash-back by using this card.

Some ways to further maximize your reward points strategy:

Tip #1: Use in combination with other cards. While you can’t combine the points, this card may work well in conjunction with other cards anywhere you’d only earn 1% with the Amazon credit card.

For instance, common categories not covered are travel (including both airfare and hotels), supermarkets, business expenses, and department stores.

Combining the Amazon credit card with other cards that cover these categories will ensure you’re earning the most rewards for your spending. Check out our airline, hotel, business, and travel rewards card reviews for some ideas.

For example, you may want to go with an across-the-board-earner like the Discover it Miles Card or Barclaycard Arrival Plus™ World Elite MasterCard® to fill the gaps while earning travel rewards.

Tip #2:  Utilize more Amazon products, including:

For almost anything you need–even things such as plants, household goods, snacks, and more–you can save 3% by buying through Amazon, and get two-day delivery if using Prime.

Tip #3:  Use the gift card trick. You can get gift cards for Amazon or other places through the marketplace and earn 3% back.

This option is great for gifts or for purchasing gift cards in categories the card does not earn in, such as grocery stores, home improvement stores, and department stores.

Use Amazon to Purchase Gift Cards
Purchase gift cards from Amazon.com for whatever you need elsewhere, and you’ll earn 3% cash-back on the purchases!

Best Way To Redeem Points

Unfortunately, the Chase Amazon.com Rewards Visa Card rewards don’t go above a $0.01 per point value, no matter how you redeem.

Note that the card has minimum redemption amounts that must be used depending on the award. For instance, to get a gift card you would have to redeem a minimum of 2,500 points.

There are a few things worth mentioning in order to ensure you get the most value:

Tip #1:  Don’t use your reward points for direct payment on Amazon.com.

While your points will be worth the stated value of $0.01 each, you miss out on the opportunity to earn 3% cash-back, and therefore diminish the value of your purchase.

See the Card Math section for details.

Tip #2:  Don’t use your points for gift cards to gas stations, restaurants, or drugstores.

The same explanation applies as Tip #1; see Card Math for details.

Tip #3:  Redeem points for domestic travel. This option does not interfere with your earnings categories, and allows you to purchase domestic tickets with your points.

Domestic travel typically gives a $0.01 to $0.015 per point value when using loyalty programs, so you will be redeeming for the same value.

Tip #4:  Redeem reward points for statement credit. This option is the easiest and safest bet.

By using points for statement credit, you ensure you get the full value of the points you have earned while continuing to earn on all your purchases.

This is also easier than purchasing travel with the card, which will take some effort in calling Chase and booking the flight. You also miss out on the 1% cash-back you could earn for the ticket.

Amazon.com is your only partner with this card. You can book travel with any carrier at a set value, but there are no bonuses for a specific partner.

FAQ

What is the Chase Amazon.com Rewards Visa Card? Why should I get it?

It is the official card for Amazon.com. It offers 3% cash-back on all purchases from Amazon.com (though not for other Amazon domains like “.co.uk,” “.co.au,” and so on).

This card also earns 2% cash-back in the categories of gas stations, restaurants, and drugstores, and earns 1% everywhere else.

If you’re a big user of these categories, this will be a great card for you if you are just looking for a cash-back credit card. However, if you’re looking for a travel rewards card, then you should look elsewhere.

What is the Chase Amazon.com Rewards Visa Card annual fee?

The Amazon credit card has a $0 annual fee.

What is the Chase Amazon.com Rewards Visa Card interest rate? Can you also do a balance transfer?

This card carries a variable interest rate. You can do balance transfers at the same interest rate.

How does the Chase Amazon.com Rewards Visa Card work? Where can the card be used?

The Amazon credit card works like any other normal card, and it can be used anywhere that accepts Visa credit cards.

You’ll earn 1%-3% cash-back depending on the category of each purchase, and the cash-back can be used for statement credit, gift cards, and even travel.

What bank issues the Chase Amazon.com Rewards Visa Card?

Chase Bank issues the card.

Where do you send your Chase Amazon.com Rewards Visa Card payment?

You will send your card payment directly to Chase Bank.

What are the Chase Amazon.com Rewards Visa Card rewards?

Cash-back from the card can be used for statement credit, gift cards, and purchasing travel. The rewards are worth $0.01 per reward point and the value cannot be manipulated in any way.

What is the Chase Amazon.com Rewards Visa Card login?

You can log in to your card through the normal Chase login, and Chase also has a dedicated login page.

What are some good alternatives or combinations of cards for the Chase Amazon.com Rewards Visa Card?

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