Prime Visa card overview
Amazon’s Prime Visa (see charges and charges) is a stable earner, with bonus rewards on Amazon purchases, Chase Journey℠, gasoline, eating and commuting. That makes it a powerful contender for individuals who spend huge with Amazon and its affiliated manufacturers. Card score*: ⭐⭐⭐½
*Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
More often than not, we advocate saying “no thanks” when a cashier (or on-line pop-up) asks if you wish to apply for a retailer bank card at checkout. The low cost you will get in your buy isn’t as priceless because the welcome bonuses different playing cards provide, and most retailer playing cards have disappointing incomes constructions.
However there are just a few exceptions to that rule, and the Prime Visa is certainly one of them.
The Prime Visa is value contemplating should you spend a variety of your price range at Amazon or Entire Meals and wish the most effective incomes charge for these purchases for no annual charge.
We advocate that candidates have a credit score rating of 670 or above to extend their probabilities of approval. Whereas the cardboard itself has no annual charge, you will nonetheless want a paid Prime membership to qualify.
Though it presents stable rewards, it is not the most effective match for everybody. Here is what that you must know to determine if the Prime Visa deserves a spot in your pockets.
Prime Visa professionals and cons
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Prime Visa welcome provide
At present, for a restricted time, the Prime Visa presents a $250 Amazon present card immediately upon approval, completely for Prime members.
When you think about that this can be a no-annual-fee card, that is a stable welcome bonus — particularly because it’s delivered immediately upon approval, with no spending requirement. This matches the all-time bonus we have seen on this card, which was solely provided as soon as this July for only a week.
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Though this card has no annual charge, you want a Prime membership to get the Prime Visa. Since this can be a Chase card, you will wish to be underneath Chase’s 5/24 rule to extend your probabilities of approval.
Associated: The most effective bank cards for Amazon purchases
Prime Visa advantages
We often do not count on many advantages from a card with out an annual charge, however the Prime Visa has some stunning perks.
As a cardholder, you will take pleasure in the next protections:
Moreover, the Prime Visa does not cost overseas transaction charges, an enormous plus for a card with out an annual charge.
It looks as if we hear a brand new horror story of somebody’s misplaced baggage daily, so having baggage safety on prime of incomes bonus rewards in your Apple AirTags buy by Amazon is a good profit.
Lastly, cardholders often get entry to early offers throughout Prime Day and may earn boosted rewards throughout these gross sales occasions.
Incomes money again on the Prime Visa
The Prime Visa earns 5% again on the next classes:
- Amazon.com
- Amazon Recent
- Entire Meals Market
- Journey booked by Chase Journey
It additionally earns 2% again in these classes:
Lastly, cardholders can earn 10% again or extra on a rotating choice of merchandise and classes on Amazon.
You will earn 1% again on all different purchases.
No different card persistently presents this excessive of a return on Amazon purchases, so this incomes construction is superb for anybody who spends a big portion of their price range at Amazon and Entire Meals.
If you wish to keep on with only one card, the extra 2% again classes are first rate for day-to-day spending.
Nonetheless, you will get larger incomes charges on gasoline, eating places and different on a regular basis spending classes with different playing cards, so the Prime Visa works greatest as only one half of a bigger card technique.
Associated: The most effective rewards bank cards for every bonus class
Redeeming money again on the Prime Visa
One of many Prime Visa’s greatest qualities is the convenience of redeeming rewards. You will see your rewards in your Amazon checkout display and may use them to pay for half or all your purchases at Amazon.com.
Alternatively, you may redeem your rewards for money again, present playing cards or journey by Chase Journey.
Different playing cards mean you can use your rewards to pay in your Amazon purchases, however the redemption worth you will get in your rewards is usually lower than what the Prime Visa can present.
As an illustration, Chase Final Rewards factors are value 2.05 cents apiece, in line with TPG’s November 2025 valuations — however you get lower than 1 cent per level should you use these factors to pay for a purchase order on Amazon.com.
Then again, your Prime Visa rewards are value the identical whether or not you utilize them to cowl an Amazon buy, obtain money again or guide journey by Chase Journey.
Associated: The best way to get most worth out of your Chase Final Rewards
Which playing cards compete with the Prime Visa?
If you do not have a Prime membership or do not spend a lot of your price range at Amazon or Entire Meals, certainly one of these playing cards could also be a more sensible choice for you:
For added choices, see our checklist of greatest cash-back bank cards and greatest retailer bank cards.
Associated: Retailer vs. cash-back bank cards: Which one ought to I get?
Is the Prime Visa value it?
If you have already got a Prime membership and wish to earn cash-back rewards, the Prime Visa is an effective card to begin with or add to your current portfolio. Nonetheless, if you do not have a Prime membership or are targeted on incomes journey rewards, you will most likely get extra worth from a unique card.
Backside line
The Prime Visa is a good selection should you desire money again over advanced journey rewards. It earns an unbeatable 5% again at Amazon and Entire Meals, with simple redemption choices, for no annual charge.
The welcome provide of an prompt $250 Amazon present card makes the cardboard much more interesting, particularly with the vacation season quick approaching.
However should you plan to make use of factors and miles in your subsequent huge journey, you will wish to use a card that earns journey rewards in your Amazon purchases as an alternative.
Irrespective of which route you select, you may’t go mistaken with a card that earns rewards each time you click on “Purchase now” on Amazon.
Apply right here: Prime Visa
For charges and charges of the Blue Money On a regular basis Card from American Specific, click on right here.
