Amazon Prime Visa: 5% back at Amazon and Whole Foods for Prime members

The Amazon Prime Visa, available exclusively to Amazon Prime members, offers its highest rate of cash back on purchases at Amazon. If you have Amazon Prime, this card should be in your wallet… or at least loaded as your default payment method on Amazon. The Prime Visa has no annual fee, but an Amazon Prime membership ($139/year) is required to qualify for the card.

You’ll probably pick up the Prime Visa for its 5% cash back rewards at Amazon.com, Amazon Fresh and Whole Foods Market. But the card also earns 5% back on Chase Travel purchases. In addition to rewards at Amazon, the card will give you 2% back at gas stations, restaurants, and on local transit and commuting, including rideshare services. The card earns 1% back on all other purchases.

Many store credit cards leave out essential benefits, but not the Prime Visa. The card has Extended Warranty and Purchase Protection, so you don’t have to choose between earning maximum cash back and having your purchases protected when you’re buying on Amazon. The card also features baggage delay insurance, lost luggage reimbursement, secondary auto rental collision damage waiver, and travel accident insurance.

Amazon Prime Visa at a glance

Here’s what you need to know about the Amazon Prime Visa.

Welcome bonus

Prime Visa rewards

The Amazon Prime Visa from Chase card offers 5% rewards on your Amazon purchases, plus increased rewards in a handful of other categories. Here are the details.

Amazon, Amazon Fresh, and Whole Foods Market: 5% cash back.
Chase Travel: 5% cash back.

Gas stations: 2% cash back.
Restaurants: 2% cash back.
Local transit and commuting, including rideshare: 2% cash back.

Other eligible purchases earn 1% cash back.

You can redeem your Prime Visa rewards for cash back, gift cards, travel, or purchases on Amazon.com.

Cash back redemptions are the most efficient way to redeem your rewards. If you redeem your rewards for purchases on Amazon.com, you’ll miss out on the rewards you would otherwise earn on those purchases.

How to apply:

A few notes on applying for Chase cards

• Chase generally won’t approve you if your credit report is showing 5 or more new credit card accounts opened in the last 24 months. This rule is knows as the 5/24 rule. If you’re unsure if you are “under 5/24” you should check your 5/24 status before applying for a Chase card. Note that recently this rule seems to have softened. See our coverage about Chase 5/24 for more.
• How often you can earn a welcome bonus on a Chase card varies by card family.
  • Most cards allow you to earn a welcome bonus if it has been at least 24 months since your last received a welcome bonus on the same card.
  • Chase Sapphire-branded cards, such as the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®, you can only earn a welcome bonus once every 48 months.
• You can only hold one Chase Sapphire-branded card at a time.
• If you apply for a Chase card and the bank offers a higher bonus within 90 days, you can send Chase a secure message or call them to have your welcome offer matched.
• Chase business cards do not report to personal credit reports as long as they are current.

Benefits of the Prime Visa

Here is a summary of the benefits offered with the Amazon Prime Visa card from Chase.

Travel insurance benefits

Cards targeted toward travelers often offer travel insurance benefits that can protect you when you are traveling away from home. Terms and restrictions apply to all benefits.

Car rental loss and damage Insurance – Car rental loss and damage insurance protects you against damage or theft to your rental vehicle. For coverage to apply, you need to reserve and pay for your vehicle using your card and decline your car rental company’s collision damage waiver.The coverage provided by your Prime Visa is secondary to your personal auto insurance. This means that you will be required to make a claim against your personal auto insurance before this policy will pay. Additional terms apply. See your card’s guide to benefits for details.

Baggage delay insurance – Baggage delay insurance can cover your essential purchases like toiletries and clothing when the baggage you checked with a common carrier, like an airline, is delayed. The Prime Visa covers up to $100 in expenses for 3 days for baggage delays over 6 hours.

Lost luggage reimbursement – Lost luggage reimbursement provides coverage to replace items that are lost or damaged while traveling on a common carrier, like an airline. Coverage is typically in excess of any reimbursement you receive from the carrier. The coverage you get with the Prime Visa includes $3,000 per passenger of coverage.

Travel accident insurance – Travel accident insurance typically covers you for things like accidental death or dismemberment when you are traveling. Policy terms vary, so see your card’s guide to benefits for details.

Consumer insurance benefits

Many cards offers consumer insurance benefits that can protect the things you buy. Terms and restrictions apply to all benefits.

Purchase protection – Purchase protection protects the things you buy with your card from damage or theft for a certain amount of time after you buy them. Your Prime Visa Purchase Protection benefit covers your new purchases for 120 days, up to $500 per claim and $50,000 per account.

Extended warranty – Extended warranty protection provides additional warranty coverage on items you purchase with your card. The extended warranty coverage of the Prime Visa extends the warranty of eligible items by one additional year, on warranties of 3 years or less when you purchase the items with your Prime Visa.

Frequently asked questions