Amazon Visa
- Best for: Amazon and Whole Foods Market shoppers who don’t pay for Prime
- What Sets It Apart: 3% back at Amazon with no Prime membership; 5% once you add Prime and confirm the card in your Amazon account
- Cost: $0 annual fee; no foreign transaction fee; 18.99% to 27.74% variable APR
- Rewards: 3% at Amazon.com, Audible, Whole Foods Market, and Chase Travel; 2% at gas stations, restaurants, and local transit; 1% on everything else
- Welcome Offer: $50 Amazon gift card on approval
- Pros: No Prime needed for 3%; points worth 1 cent at Amazon checkout or as a statement credit
- Cons: 1% outside its bonus categories; welcome gift card a third of the Prime Visa’s $150
Get the Amazon Visa if you shop at Amazon or Whole Foods Market often without paying for Prime. It earns 3% back there with no annual fee. Prime members should apply for the Prime Visa instead, which pays 5% at the same stores and comes with a $150 welcome gift card.
Chase issues two Amazon cards, and the Amazon Visa, called the Amazon Rewards Visa Signature until 2023, is the one that doesn’t require an Amazon Prime membership. You apply through your Amazon.com account, which receives the welcome gift card on approval.
Key Features
- No annual fee and no foreign transaction fee
- Unlimited 3% back at Amazon.com, Audible, Whole Foods Market, and on trips booked through Chase Travel
- Unlimited 2% back at restaurants, gas stations, and on local transit, rideshare and parking included, with 1% on everything else
- $50 Amazon gift card on approval
- 18.99% to 27.74% variable APR, the interest rate on balances you carry
Pros
- 3% at Amazon and Whole Foods without paying for Prime, which comes to $108 a year on $300 a month of spending there
- Points worth 1 cent each at Amazon checkout or as a statement credit
- Earns 5% at the same stores if you join Prime and confirm the card in your Amazon payment settings
Cons
- Only 1% back outside its bonus categories, so it works best paired with a flat 2% card
- $50 welcome gift card, a third of the $150 Chase offers Prime members
- Purchases split into 0% Equal Pay installments at Amazon earn no rewards
- No 3% back on purchases paid with Amazon Pay at other stores or on Amazon’s international sites
Shoppers who skip Prime get 3% at Amazon and Whole Foods for no fee, and by our math, paying Prime’s $139 annual fee to earn 5% pays off only once you spend more than $6,950 a year there. Prime members should apply for the Prime Visa instead, since its welcome gift card is $150 rather than $50.
Learn more about the Amazon Visa or see how it compares to the best credit cards for Amazon purchases.
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