Quick verdict
Best for amazon prime members who shop amazon regularly. Skip if you're not an amazon prime member — without prime, the amazon rate drops to 3%. if you don't shop amazon or whole foods much, the 2% on dining/gas doesn't beat dedicated category cards.
🎁 Welcome bonus
$150 Amazon gift card upon approval (for Prime members)
⚡ Rewards
| Category | Rate | Type |
|---|---|---|
| Amazon & Whole Foods | 5% | cash back |
| Restaurants & bars | 2% | cash back |
| Gas stations | 2% | cash back |
| Drugstores | 2% | cash back |
| All other purchases | 1% | cash back |
Points/miles valued at 1.00¢ each (CreditStud.io estimate based on typical travel redemption).
✨ Perks
- 5% back at Amazon and Whole Foods for Prime members
- No foreign transaction fees
- 2% back at restaurants, gas stations, and drugstores
- Purchase protection and extended warranty
- No annual fee (separate from Prime membership)
- Visa Signature benefits (concierge, travel accident insurance)
🎯 Who should consider this card
✅ Best for
- Amazon Prime members who shop Amazon regularly
- Whole Foods shoppers who are already Prime subscribers
- People who want a no-AF card that maximizes Amazon spend
❌ Skip if
You're not an Amazon Prime member — without Prime, the Amazon rate drops to 3%. If you don't shop Amazon or Whole Foods much, the 2% on dining/gas doesn't beat dedicated category cards.
📋 Application tips
Credit needed
Good to Excellent (670+)
Issuer rules
5/24 rule applies. Chase typically denies if you've opened 5+ cards (any issuer) in 24 months. Must have an active Amazon Prime membership for 5% rate.
Not sure if you'll qualify? Try our credit score simulator to see what rate range you might fall into.
⚖️ Compare to similar cards
❓ Frequently asked questions
Is the Amazon Prime Visa worth it if I already pay for Prime?
Yes — there's no additional annual fee beyond your Prime membership ($139/yr). The 5% back on Amazon purchases effectively reduces the cost of everything you buy. If you spend $200+/month on Amazon, you're earning $10+/month = $120+/yr, which nearly covers Prime itself.
What happens if I cancel my Prime membership?
The card reverts to the Amazon Visa with 3% back on Amazon instead of 5%. You keep all other earning rates. You won't lose the card, just the Prime bonus rate.
Does the 5% back at Whole Foods include everything?
Yes — almost everything at Whole Foods qualifies for 5% back. This includes groceries, prepared foods, and supplements. Gift cards and alcohol may be excluded depending on local laws.
How does this compare to the Citi Custom Cash for Amazon?
Citi Custom Cash gives 5% on your top spending category (up to $500/month). If Amazon is your top category, you get 5% with no Prime requirement. But Custom Cash has a $500/month cap, while the Amazon Prime Visa gives 5% on unlimited Amazon spend. Heavy Amazon shoppers should get both.
Can I use rewards for anything besides Amazon?
Yes — you can redeem for statement credits, gift cards, travel through Chase, or transfer to airline/hotel partners if you also have a Chase Sapphire card. Amazon checkout redemption is the easiest, but Chase Ultimate Rewards transfer can be more valuable (1.25–1.5¢/point).
What about Prime Day — does the card offer extra rewards?
Sometimes Amazon runs bonus offers for Prime Visa cardholders during Prime Day (e.g., extra 2% back or statement credits). These vary by year and aren't guaranteed, but Prime Day is generally the best time to max out your 5% rate.