These days, we are online shopping now more than ever, and if there is 1 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.
- 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, and drugstores/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 credit, gift cards, or even travel!
- Card Categories:
- Rewards CenterView your rewards by logging into your account at Chase.com.
- Customer Service Number800-493-3319 (Available 24/7)
- Login Link
- Related Articles
The Ideal Cardholder
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.
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.
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 up to $500 per claim and $50,000 per year, for 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.
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
- Annual Fee
- Foreign Transaction Fees0%
- 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 and Whole Foods Purchases
Naturally, since this is the highest bonus category for the card, you’ll want to make sure that you make all purchases with Amazon or Whole Foods using this card to earn 3% cash-back.
Restaurant, Gas Station, and Drugstore Purchases
While the Amazon Signature card is great for Amazon purchases, it is also great for everyday purchases that fall within categories like restaurants, gas stations, and drugstores, as you can earn 2% cash-back on all these purchases.
All Other Purchases
Finally, you’ll earn 1% cash-back on all other purchases falling outside of the above categories. This gives cardholders the peace of mind that no matter what your purchase, you’ll always earn some cash-back.
Best Way To Redeem Amazon Reward Points
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.
Cash-Back, Gift Cards, or Travel Purchases
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
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.
If you like the idea of earning rewards on grocery spend but don’t do much shopping with Amazon, then the 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.
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.