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

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

Amazon Prime Visa from Chase card art
Amazon Prime Visa from Chase

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 welcome bonus:

Amazon Prime Visa from Chase: Receive a $100 Amazon gift card upon approval when you have a Prime membership. (If you do not have Amazon Prime, you’ll see an offer for the non-Prime version of the card, the Amazon Visa.)

Click here to learn more and apply:

Our take on the welcome bonus: The Amazon Prime Visa is an essential card for Amazon shoppers with Prime. A $100 Amazon gift card after approval is the best welcome bonus we know of on this card.

The link above is a referral link. Someone on our team may earn points if you apply and are approved to the link above.

Amazon Prime Visa from Chase card art

Amazon Prime Visa at a glance:
Annual fee: $0 (requires paid Amazon Prime membership)
Rewards: 5% Amazon.com, Whole Foods, Amazon Fresh. 5% Chase Travel. 2% gas, restaurants, local transit and commuting. 1% other purchases.
Benefits: Extended warranty. Purchase protection. Amazon 0% financing offers.

Amazon Prime Visa at a glance

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

Rewards

Amazon, Amazon Fresh, and Whole Foods Market
5%

Chase Travel
5%

Gas stations2%

Restaurants
2%
Local transit and commuting, including rideshare2%
All other purchases1%

Benefits

Consumer insurance benefits
Purchase protection
Chase extended warranty protection
Travel benefits
Secondary auto rental collision damage waiver insurance
Baggage delay insurance
Lost luggage reimbursement
Travel accident insurance

Other important terms

No annual fee
Card requires a $139/year Amazon Prime membership to be eligible.
No foreign transaction fees

My take on the Amazon Prime Visa

I have the Amazon Prime Visa and use it for my buyers club purchases, plus my personal Amazon.com purchases.

The card gives you a baseline 5% rewards on pretty much everything you purchase with Amazon. That makes it one of the best cards to use for Amazon.com even before you consider that you’re getting Chase’s extended warranty protection on all your purchases.

5% rewards is great, but you can often get 6%, 7%, or even 10% rewards using the card at Amazon.com. Most of the year, I can get 6% using my Amazon Prime Visa if I opt for slower shipping. On Prime Day and around the holidays, I frequently see opportunities to get 7% or up to 10% rewards in certain categories (like Kindle and Alexa devices.)

While the Amazon Prime Visa is a great choice for your Amazon (and Amazon Fresh and Whole Foods Market) purchases, you can easily find better cards to use on your non-Amazon purchases. Any 2% cash back card will match that Prime Visa’s earnings in most categories. And you can find cards that will give you much more in cash back rewards at gas stations and at restaurants.

Bottom linke: If you have Amazon Prime, you should have the Amazon Prime Visa. Use it for all of your Amazon, Whole Foods and Amazon Fresh purchases. Use other cards for everything else.

Welcome bonus

Amazon Prime Visa welcome bonus:

Amazon Prime Visa from Chase: Receive a $100 Amazon gift card upon approval when you have a Prime membership. (If you do not have Amazon Prime, you’ll see an offer for the non-Prime version of the card, the Amazon Visa.)

Click here to learn more and apply:

Our take on the welcome bonus: The Amazon Prime Visa is an essential card for Amazon shoppers with Prime. A $100 Amazon gift card after approval is the best welcome bonus we know of on this card.

The link above is a referral link. Someone on our team may earn points if you apply and are approved to the link above.

Amazon Prime Visa from Chase card art

Amazon Prime Visa at a glance:
Annual fee: $0 (requires paid Amazon Prime membership)
Rewards: 5% Amazon.com, Whole Foods, Amazon Fresh. 5% Chase Travel. 2% gas, restaurants, local transit and commuting. 1% other purchases.
Benefits: Extended warranty. Purchase protection. Amazon 0% financing offers.

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:

Amazon Prime Visa welcome bonus:

Amazon Prime Visa from Chase: Receive a $100 Amazon gift card upon approval when you have a Prime membership. (If you do not have Amazon Prime, you’ll see an offer for the non-Prime version of the card, the Amazon Visa.)

Click here to learn more and apply:

Our take on the welcome bonus: The Amazon Prime Visa is an essential card for Amazon shoppers with Prime. A $100 Amazon gift card after approval is the best welcome bonus we know of on this card.

The link above is a referral link. Someone on our team may earn points if you apply and are approved to the link above.

Amazon Prime Visa from Chase card art

Amazon Prime Visa at a glance:
Annual fee: $0 (requires paid Amazon Prime membership)
Rewards: 5% Amazon.com, Whole Foods, Amazon Fresh. 5% Chase Travel. 2% gas, restaurants, local transit and commuting. 1% other purchases.
Benefits: Extended warranty. Purchase protection. Amazon 0% financing offers.

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. (We published a separate article to help you determine if you can get a Sapphire welcome bonus.)
  • 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

Is the Amazon Prime Visa a Chase card?

Yes. The Amazon Prime Visa is issued by Chase. Amazon also offers a store credit card, issued by Synchrony Bank, and a business card issued by American Express.

Do I need Amazon Prime to get the Prime Visa?

Yes. the Amazon Prime Visa card is issued only to Amazon Prime members. If you downgrade your Prime membership, Chase will downgrade your Prime Visa card to the Amazon Visa card.