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

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

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"Save Even More on Amazon"

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

Learn More (at Chase's secure site)

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.

Pros

Cons

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

Amazon Signature card — Snapshot

The Ideal Cardholder

AmazonHomePage
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.

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 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
    • $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

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

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 restaurantsgas 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

Amazon 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.

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.

Bottom Line: You really can’t go wrong when it comes to redeeming your rewards points from the Amazon Signature card since every option gives you a value of 1 cent per point. But we recommend you focus on using them for Amazon purchases and cash-back since those options provide the most flexibility. 

Alternative Cards to the Amazon Signature Card

Chase Freedom Unlimited® 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.

Blue Cash Everyday® Card from American Express

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:

  1. 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.
  2. 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.

Jarrod West

About Jarrod West

Born and raised just outside of Cincinnati, Jarrod became fascinated with using points and miles as the perfect way to visit dream destinations without breaking the bank. Thanks to points and miles, Jarrod was able to spend 3 months traveling Europe financed nearly entirely with points and miles; while flying in premium cabins and staying in 5-star hotels along the way. To date, Jarrod has traveled to 16 countries and 22 US states.

Travel prices are about to surge from pent-up demand.

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Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.

3 comments

  1. Please cancel credit card.

    Reply

    • 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

      Reply

  2. 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!!!

    Reply

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