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If you’re an Amazon Prime member who regularly shop at Amazon, Amazon Fresh, or Whole Foods, you should consider getting Chase‘s Prime Visa card. This $0 annual fee card offers tons of benefits for those who frequent Amazon, and its earning rates are quite lucrative.
Let’s consider the pros and cons, welcome offer, benefits, and earning power of the Prime Visa to help you understand if it's the right card for you.
- Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members
- Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
- Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
- Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
- Earn unlimited 1% back on all other purchases
- No annual credit card fee
- No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
- Member FDIC
- Rates & Fees
- Unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership
- Unlimited 2% back on local transit and commuting (including rideshare)
- Unlimited 2% back at restaurants and at gas stations
- Unlimited 1% back on all other purchases
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Prime Visa Pros
- Earns 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases.
- Bonus promotions for cardholders offer 10% back on Amazon purchases.
- No annual or foreign transaction fees.
Prime Visa Cons
- The welcome bonus is a $150 Amazon Gift Card; other cards offer better, more flexible bonuses.
- Requires you to keep an Amazon Prime membership.
- Limited point redemption options.
Prime Visa Welcome Offer
Open a Prime Visa and receive a $150 Amazon Gift Card instantly upon approval, exclusively for Prime members. Your Amazon gift card will be automatically loaded into your Amazon account's “Gift Card Balance” section.
To use Amazon gift cards, select your gift card balance as the payment method at checkout. Also, you can view your gift card balance at any time in your account by clicking “View Gift Card balance” and activity under gift cards. Luckily, Amazon.com gift cards do not expire.
Related: Chase Credit Cards — Best-Ever Offers and When You Should Apply
Prime Visa Benefits
Like many other Chase cards, the Prime Visa offers various shopping and travel protections, including the following.
Purchase protections
Shopping on Amazon is the best use of the Prime Visa, and the following benefits apply to anything purchased on the card:
- Extended warranty protection: If you’re frequently purchasing items under warranty on Amazon, this card potentially extends that warranty. Charge some or all of the cost of an item to the card and extend the manufacturer's U.S. warranty by an additional year, available on eligible warranties of three years or less.
- Purchase protection: New purchases on the card are covered for up to 120 days against damage or theft, up to $500 per claim and $50,000 per account. For example, I once purchased a pressure washer from Amazon on this card, backed it over with my car one week later, filed a claim with the benefits administrator, and was reimbursed for the cost of a new one.
- Interest-free financing: The Prime Visa lets you split large purchases into six interest-free payments on amounts over $50 or 12 payments on amounts over $250. Just choose “equal monthly payments” at checkout on Amazon.com or Amazon Pay, and the total purchase will be divided into monthly installments, charged to your card — but you won't earn rewards on these purchases.
Travel protections
- Auto rental collision damage waiver: If you pay with your card and decline the rental company's collision insurance, you will receive theft and collision damage coverage, which is secondary to your personal insurance.
- Baggage delay insurance: When your baggage is delayed for more than six hours, you can collect reimbursement for essential purchases like toiletries and clothing, up to $100 per day for three days.
- Lost luggage reimbursement: If a carrier damages or loses your checked or carry-on luggage, receive up to $3,000 per passenger.
- Travel accident insurance: When you charge air, bus, train, or cruise transportation to this card, you're eligible to receive accidental death or dismemberment coverage of up to $500,000.
- Roadside Dispatch® (pay-per-use): In case of a roadside emergency, call 800-847-2869 anytime to get the help you need. Includes tows, jumpstarts, a tire change, lockout service, winching, or gas delivery. You’ll be quoted roadside service fees when you call.
- Travel and emergency assistance (pay-per-use): While traveling, cardholders may call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. The cardholder remains responsible for the cost of goods or services.
Prime Visa Earning Rates
Where this card really stands out is earning cash back (delivered as points) on purchases from Amazon, Amazon Fresh, Whole Foods, and Chase Travel:
- Unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership
- Unlimited 2% back on local transit and commuting (including rideshare)
- Unlimited 2% back at restaurants and at gas stations
- Unlimited 1% back on all other purchases
It's not very often you can lock in earning rates this lucrative on a card with no annual fee. If you're curious to learn more, let's take a closer look at the card’s top earning categories.
Related: Do Amazon Rewards Card Points Expire?
Earn 5% back at Amazon.com
Probably the best perk of the card is that cardholders can earn 5% back on Amazon.com purchases. Eligible items include:
- Digital downloads
- Amazon Gift Cards
- Amazon Prime subscriptions
- Items sold by third-party merchants through Amazon.com's marketplace, including Amazon Style, Prime Video, and Kindle Unlimited purchases.
Purchases excluded from the 5% rate include:
- Merchants using Amazon Pay
- International Amazon retail sites
- Zappos
- Ring
- Woot
- AbeBooks
- Blink
- Eero
- PillPack
- Amazon Games
- Wondery
- Amazon Music
- Buy with Prime
- Any other website operated by Amazon not listed here (at Amazon’s sole discretion).
Amazon Prime Visa cardholders may also be targeted at checkout with an extra 1% cash back, provided they choose to delay shipment on the item purchased.
10% on Prime Visa bonus deals
Even better, Amazon periodically runs promotions where cardholders can earn an additional 5% back, for a total of 10% back. The extra promotional cashback is posted to the cardholder’s account within a week of the transaction.
5% back at Whole Foods
Cardholders with an eligible Prime membership earn 5% cash back on their Prime Visa when shopping at any Whole Foods Market location. Luckily, the 5% is in addition to any in-store promotions.
However, you should be advised of what Whole Foods purchases are excluded from the 5% bonus category:
- Purchases made at Whole Foods stores located internationally.
- Purchases of Whole Foods Market products and services through third-party sites, such as Eventbrite, Instacart, Google Express, and Shipt.
- Online purchases of Whole Foods Market gift cards (including through buyatab.com).
- Event tickets or classes.
- Purchases from certain third-party vendors operating at Whole Foods Markets.
- Purchases of massage services at any Whole Foods Market.
- Purchases from Spa@Ink.
5% back on Chase Travel
Combine the travel benefits of this card with earning 5% back by booking travel through the Chase Travel portal. Cardholders may also book travel by calling the number on the back of the card. Some of the eligible travel purchases you can earn bonus rewards on include:
- Airline tickets
- Hotels
- Car rentals
- Cruises
- Activities
It's important to remember that only travel paid for through the Chase Travel portal will earn 5% back, and any portion of the purchase paid for using points will not qualify for earning 5% cash back.
Redeeming Points With the Prime Visa
Prime Visa cardholders can apply earned points to eligible purchases at checkout or redeem them through Chase for cash back, gift cards, or travel. No matter how points are redeemed, they're worth 1 cent each (thus, 100 points equals $1).
- Redeeming points at Amazon.com checkout: After earning Amazon reward points, redeem them as soon as the next day. Once points are added to your account, the points balance can be seen on the Prime Visa rewards dashboard.
- Redeeming points with Chase Travel: Log into your Chase account to redeem your Prime Visa points toward travel.
- Other ways to redeem points: In addition, cardholders can redeem points through Chase for cash back or gift cards in increments of $25/2,500 points. You can also use your Amazon points to redeem them as a statement credit — and even enroll in automated statement credits.
Application Restrictions and Strategy
The application terms state that you can't get the bonus offer on this card if you currently have either Amazon-related credit card from Chase:
“This credit card is available to you if you do not currently have an Amazon Visa or Prime Visa credit card.”
Also, since the Prime Visa is issued by Chase, you're unlikely to be approved for this card if you've opened five or more credit cards in the past two years. That's because of the Chase's 5/24 rule. Lastly, Chase is unlikely to approve you for more than two credit cards in a 30-day period.
Related: Understanding Rewards Credit Card Application Rules and Restrictions
Cards That Compete With the Prime Visa
The Prime Visa is a nifty little card, but you may find it helpful to compare other options before you apply. Here are some to consider:
- If you shop with Amazon often but don't have a Prime membership, consider the Amazon Visa. With no annual fee on this card, you don't need a Prime membership but will earn at slightly lower rates — think 3% back at Amazon and Whole Foods.
- If you often shop online with merchants other than Amazon, the Bank of America® Customized Cash Rewards credit card could be a good option. You'll earn 6% back and 2% back on categories of your choosing for the first 12 months of card membership, and online shopping is an option for the 6% cash back category. Note that you'll only earn 6% and 2% cash back on the first $2,500 spent (combined) in those categories each quarter, and that 6% rate drops to 3% after 12 months. However, you can elevate your earning rates by as much as 75% if you qualify for Bank of America Preferred Rewards — boosting your earnings significantly. Our full Bank of America Customized Cash Card review has more information.
- If you want a card that earns well no matter where you're shopping, look into the Citi Double Cash® Card. With no annual fee, this card has a simple earning structure. You'll earn 2% cash back on purchases, awarded as 1% when you buy plus 1% as you pay. No matter where you're shopping, the earning structure is simple. More details are in our full Citi Double Cash review.
- 3% back at Amazon and Whole Foods Market
- 3% back on purchases made through Chase Travel
- 2% back at restaurants and at gas stations
- 2% back on local transit and commuting, including rideshare
- 1% back on all other purchases
- 6% cash back for the first year in the category of your choice: gas and EV charging stations, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy purchase, or home improvement/furnishing purchases, then 3% after the first year of card membership*
- 2% cash back at grocery stores and wholesale clubs*
- 1% cash back on all other purchases
- * You'll earn 6% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- Earn 2% cash back on every purchase—1% when you buy and 1% when you pay. Plus, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. Citi cash rewards now also convert to ThankYou points at 1:1 ($10 = 100 ThankYou points).
Related: The Best Credit Cards for Shopping on Amazon
Bottom Line
The Prime Visa serves a large but specific audience: Amazon and Whole Foods regulars. That said, if you’re a Prime member shopping at these venues, you should consider making room in your wallet for this card if you're interested in earning 5% back on your spending. The rewards — plus the fact the card has no annual fee — are hard to beat.
- Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members
- Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
- Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
- Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
- Earn unlimited 1% back on all other purchases
- No annual credit card fee
- No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
- Member FDIC
- Rates & Fees
- Unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership
- Unlimited 2% back on local transit and commuting (including rideshare)
- Unlimited 2% back at restaurants and at gas stations
- Unlimited 1% back on all other purchases
For rates and fees of the cards mentioned in this post, please visit the following links: Prime Visa (Rates & Fees)
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