Prime Visa card overview
Amazon’s Prime Visa (see charges and charges) is a strong earner, with bonus rewards on Amazon purchases, Chase Journey℠, fuel, eating and commuting. That makes it a robust contender for many who spend large with Amazon and its affiliated manufacturers. Card ranking*: ⭐⭐⭐½
*Card ranking relies 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 worthwhile because the welcome bonuses different playing cards supply, and most retailer playing cards have disappointing incomes constructions.
However there are a couple of exceptions to that rule, and the Prime Visa is one in every of them.
The Prime Visa is value contemplating for those who spend a whole lot of your price range at Amazon or Complete Meals and need one of the best 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 strong rewards, it isn’t one of the best match for everybody. Here is what it’s good to know to resolve if the Prime Visa deserves a spot in your pockets.
Prime Visa professionals and cons
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Prime Visa welcome supply
Presently, for a restricted time, the Prime Visa presents a $250 Amazon reward card immediately upon approval, completely for Prime members.
When you think about that this can be a no-annual-fee card, that is a strong 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 supplied 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 very best bank cards for Amazon purchases
Prime Visa advantages
We normally do not anticipate many advantages from a card with out an annual charge, however the Prime Visa has some shocking perks.
As a cardholder, you will take pleasure in the next protections:
Moreover, the Prime Visa does not cost international 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 on daily basis, so having baggage safety on prime of incomes bonus rewards in your Apple AirTags buy by Amazon is a superb profit.
Lastly, cardholders normally 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
- Complete 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 may earn 1% again on all different purchases.
No different card constantly 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 Complete Meals.
If you wish to follow only one card, the extra 2% again classes are respectable for day-to-day spending.
Nevertheless, you may get increased incomes charges on fuel, 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 very best rewards bank cards for every bonus class
Redeeming money again on the Prime Visa
One of many Prime Visa’s greatest qualities is the benefit of redeeming rewards. You may 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, reward playing cards or journey by Chase Journey.
Different playing cards mean you can use your rewards to pay to your Amazon purchases, however the redemption worth you will get to your rewards is mostly lower than what the Prime Visa can present.
For example, Chase Final Rewards factors are value 2.05 cents apiece, in accordance with TPG’s November 2025 valuations — however you get lower than 1 cent per level for those who 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 employ them to cowl an Amazon buy, obtain money again or guide journey by Chase Journey.
Associated: How you can 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 Complete Meals, one in every of these playing cards could also be a better option 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 efficient card to begin with or add to your current portfolio. Nevertheless, if you do not have a Prime membership or are targeted on incomes journey rewards, you will most likely get extra worth from a special card.
Backside line
The Prime Visa is a superb alternative for those who choose money again over complicated journey rewards. It earns an unbeatable 5% again at Amazon and Complete Meals, with simple redemption choices, for no annual charge.
The welcome supply of an on the spot $250 Amazon reward card makes the cardboard much more interesting, particularly with the vacation season quick approaching.
However for those who plan to make use of factors and miles to your subsequent large journey, you will wish to use a card that earns journey rewards in your Amazon purchases as an alternative.
Regardless of which route you select, you may’t go flawed 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 Categorical, click on right here.
