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Amazon Rewards Visa Signature Credit Card – Full Review [2023]

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Jarrod West
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Jarrod West

Senior Content Contributor

Countries Visited: 21U.S. States Visited: 24

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
Edited by: Kellie Jez
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Kellie Jez

Director of Operations & Compliance

Countries Visited: 10U.S. States Visited: 20

Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Amazon Rewards Visa Signature Credit Card

Amazon Rewards Visa Signature Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
3.5
  • $50

  • $0

Amazon Rewards Visa Signature Credit Card

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

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
3.5

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.

Card Snapshot

Welcome Bonus & Info

  • 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!

Rewards Center

View your rewards by logging into your account at Chase.com.

Customer Service Number

800-493-3319 (Available 24/7)

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

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 — 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 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

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, pharmacies, and drugstores.

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®

Chase Freedom Unlimited®

Chase Freedom Unlimited®

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Learn More(at Chase's secure site)

Chase Freedom Unlimited®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Up to $300 cash back
$0
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • 5% back on travel purchased through Chase Ultimate Rewards
  • 3% back on dining and drugstore purchases
  • 1.5% back on all other purchases
  • No annual fee
  • Earn big on travel purchased through Chase Ultimate Rewards
  • Everyday bonus on dining and drugstores
  • Straightforward cash-back on all other purchases
  • Ability to pool points

Cons

  • 3% foreign transaction fee
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
  • Member FDIC

Financial Snapshot

  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

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

Blue Cash Everyday® Card from American ExpressTerms Apply / Rates & Fees

Blue Cash Everyday® Card from American Express

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

Learn More(at Amex's secure site)

Blue Cash Everyday® Card from American Express

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
$200
$0
19.24%-29.99% Variable,0% on purchases for 15 months
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday® Card from American Express apart from the rest?

This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.

Pros

  • 3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.
  • 3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.
  • 3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.
  • Monthly credit towards The Disney Bundle
  • Monthly credit towards Home Chef

Cons

  • Rewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • No Annual Fee.
  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
  • Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
  • Terms Apply.

Financial Snapshot

  • APR: 19.24%-29.99% Variable,0% on purchases for 15 months
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Card Categories

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.

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

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

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's image

About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

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