{"id":143796,"date":"2025-01-25T18:00:20","date_gmt":"2025-01-25T18:00:20","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=143796"},"modified":"2026-04-08T14:08:48","modified_gmt":"2026-04-08T14:08:48","slug":"amazon-prime-visa","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/cash-back\/amazon-prime-visa\/","title":{"rendered":"Amazon Prime Visa Credit Card Review: Lucrative Earnings for Amazon and Whole Foods Fans"},"content":{"rendered":"<p>If you\u2019re an <a target=\"_blank\" href=\"\/blog\/link\/AmazonPrime\" rel=\"noopener nofollow sponsored\">Amazon Prime<\/a> member who regularly shop at Amazon, Amazon Fresh, or Whole Foods, you should consider getting Chase&#8216;s <a data-ccid=\"5048341\" href=\"\/blog\/link\/PrimeVisa?var2=ccid~5048341\" rel=\"noopener nofollow sponsored\">Prime Visa<\/a> card. This $0 annual fee card offers tons of benefits for those who frequent Amazon, and its earning rates are quite lucrative.<\/p>\n<p>Let\u2019s 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.<\/p>\n<p><div class=\"qs-card\" data-id=\"5048341\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Prime Visa<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/7dab32c0-9de5-470e-9141-11f1b1c9eb06.jpg\" width=\"150\" alt=\"Prime Visa\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Prime Visa<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Prime Visa offers an unlimited 5% cash back on purchases at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases, provided you have an eligible Prime membership. Additionally, it offers 2% back at gas stations, restaurants, and on local transit and commuting, including rideshare, with 1% back on all other purchases.<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>Unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership<\/li>\r\n<li>Unlimited 2% back on local transit and commuting (including rideshare)<\/li>\r\n<li>Unlimited 2% back at restaurants and at gas stations<\/li>\r\n<li>Unlimited 1% back on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/PrimeVisa\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-138a544e81#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Prime_Visa_Pros\">Prime Visa Pros<\/a><\/li><li><a href=\"#Prime_Visa_Cons\">Prime Visa Cons<\/a><\/li><li><a href=\"#Prime_Visa_Welcome_Offer\">Prime Visa Welcome Offer<\/a><\/li><li><a href=\"#Prime_Visa_Benefits\">Prime Visa Benefits<\/a><ul><li><a href=\"#Purchase_protections\">Purchase protections<\/a><\/li><li><a href=\"#Travel_protections\">Travel protections<\/a><\/li><\/ul><\/li><li><a href=\"#Prime_Visa_Earning_Rates\">Prime Visa Earning Rates<\/a><ul><li><a href=\"#Earn_5_back_at_Amazoncom\">Earn 5% back at Amazon.com<\/a><\/li><li><a href=\"#10_on_Prime_Visa_bonus_deals\">10% on Prime Visa bonus deals<\/a><\/li><li><a href=\"#5_back_at_Whole_Foods\">5% back at Whole Foods<\/a><\/li><li><a href=\"#5_back_on_Chase_Travel\">5% back on Chase Travel<\/a><\/li><\/ul><\/li><li><a href=\"#Redeeming_Points_With_the_Prime_Visa\">Redeeming Points With the Prime Visa<\/a><\/li><li><a href=\"#Application_Restrictions_and_Strategy\">Application Restrictions and Strategy<\/a><\/li><li><a href=\"#Cards_That_Compete_With_the_Prime_Visa\">Cards That Compete With the Prime Visa<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Prime_Visa_Pros\">Prime Visa Pros<\/span><\/h2>\n<ul>\n<li>Earns 5% back at <a target=\"_blank\" href=\"\/blog\/link\/amazon\" rel=\"noopener nofollow sponsored\">Amazon.com<\/a>, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases.<\/li>\n<li>Bonus promotions for cardholders offer 10% back on Amazon purchases.<\/li>\n<li>No annual or foreign transaction fees.<\/li>\n<\/ul>\n<h2><span id=\"Prime_Visa_Cons\">Prime Visa Cons<\/span><\/h2>\n<ul>\n<li>The welcome bonus is a $150 Amazon Gift Card; other cards offer better, more flexible bonuses.<\/li>\n<li>Requires you to keep an <a target=\"_blank\" href=\"\/blog\/link\/AmazonPrime\" rel=\"noopener nofollow sponsored\">Amazon Prime membership<\/a>.<\/li>\n<li>Limited point redemption options.<\/li>\n<\/ul>\n<figure id=\"attachment_146627\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-146627 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Robert-So-Pexels-Amazon-box-on-porch-featured.png\" alt=\"Amazon box on porch in front of a wooden door\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Robert-So-Pexels-Amazon-box-on-porch-featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Robert-So-Pexels-Amazon-box-on-porch-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Robert-So-Pexels-Amazon-box-on-porch-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Robert-So-Pexels-Amazon-box-on-porch-featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Robert So\/Pexels<\/em><\/enter><\/figure>\n<h2><span id=\"Prime_Visa_Welcome_Offer\">Prime Visa Welcome Offer<\/span><\/h2>\n<p>Open a <a data-ccid=\"5048341\" href=\"\/blog\/link\/PrimeVisa?var2=ccid~5048341\" rel=\"noopener nofollow sponsored\">Prime Visa<\/a> 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 &#8220;Gift Card Balance&#8221; section.<\/p>\n<p>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 \u201cView Gift Card balance\u201d and activity under gift cards. Luckily, Amazon.com gift cards do not expire.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/chase-credit-card-offer-history\/\" rel=\"noopener\">Chase Credit Cards \u2014 Best-Ever Offers and When You Should Apply<\/a><\/strong><\/p>\n<h2><span id=\"Prime_Visa_Benefits\">Prime Visa Benefits<\/span><\/h2>\n<p>Like many other Chase cards, the <a data-ccid=\"5048341\" href=\"\/blog\/link\/PrimeVisa?var2=ccid~5048341\" rel=\"noopener nofollow sponsored\">Prime Visa<\/a> offers various shopping and travel protections, including the following.<\/p>\n<h3><span id=\"Purchase_protections\">Purchase protections<\/span><\/h3>\n<p>Shopping on Amazon is the best use of the Prime Visa, and the following benefits apply to anything purchased on the card:<\/p>\n<ul>\n<li><strong><a target=\"_blank\" href=\"\/credit-cards\/extended-warranty\/\" rel=\"noopener\">Extended warranty protection<\/a>:<\/strong> If you\u2019re 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.<\/li>\n<li><strong><a target=\"_blank\" href=\"\/credit-cards\/purchase-protection\/\" rel=\"noopener\">Purchase protection<\/a>:<\/strong> 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.<\/li>\n<li><strong>Interest-free financing:<\/strong> The <a data-ccid=\"5048341\" href=\"\/blog\/link\/PrimeVisa?var2=ccid~5048341\" rel=\"noopener nofollow sponsored\">Prime Visa<\/a> lets you split large purchases into six interest-free payments on amounts over $50 or 12 payments on amounts over $250. Just choose \u201cequal monthly payments\u201d at checkout on Amazon.com or Amazon Pay, and the total purchase will be divided into monthly installments, charged to your card \u2014 but you won't earn rewards on these purchases.<\/li>\n<\/ul>\n<h3><span id=\"Travel_protections\">Travel protections<\/span><\/h3>\n<ul>\n<li><a target=\"_blank\" href=\"\/credit-cards\/collision-damage-waiver-proof\/\" rel=\"noopener\"><strong>Auto rental collision damage waiver<\/strong><\/a><strong>:\u00a0<\/strong>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.<\/li>\n<li><a target=\"_blank\" href=\"\/credit-cards\/baggage-delay-insurance\/\" rel=\"noopener\"><strong>Baggage delay insurance<\/strong><\/a><strong>:\u00a0<\/strong>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.<\/li>\n<li><strong><a target=\"_blank\" href=\"\/credit-cards\/baggage-loss-insurance\/\" rel=\"noopener\">Lost luggage reimbursement<\/a>:\u00a0<\/strong>If a carrier damages or loses your checked or carry-on luggage, receive up to $3,000 per passenger.<\/li>\n<li><strong>Travel accident insurance:<\/strong> 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.<\/li>\n<li><strong><a target=\"_blank\" href=\"\/credit-cards\/travel-insurance\/\" rel=\"noopener\">Roadside Dispatch<sup>\u00ae<\/sup> (pay-per-use)<\/a>:\u00a0<\/strong>In case of a roadside emergency, call <strong>800-847-2869<\/strong> anytime to get the help you need. Includes tows, jumpstarts, a tire change, lockout service, winching, or gas delivery. You\u2019ll be quoted roadside service fees when you call.<\/li>\n<li><strong>Travel and emergency assistance (pay-per-use):\u00a0<\/strong>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.<\/li>\n<\/ul>\n<figure id=\"attachment_143657\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-143657 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Ave-Calvar-Unsplash-woman-on-couch-with-laptop-featured.png\" alt=\"a woman sits on the couch in her apartment, using a laptop\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Ave-Calvar-Unsplash-woman-on-couch-with-laptop-featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Ave-Calvar-Unsplash-woman-on-couch-with-laptop-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Ave-Calvar-Unsplash-woman-on-couch-with-laptop-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Ave-Calvar-Unsplash-woman-on-couch-with-laptop-featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Ave Calvar\/Unsplash<\/em><\/enter><\/figure>\n<h2><span id=\"Prime_Visa_Earning_Rates\">Prime Visa Earning Rates<\/span><\/h2>\n<p>Where this card really stands out is earning cash back (delivered as points) on purchases from Amazon, Amazon Fresh, Whole Foods, and Chase Travel:<\/p>\n<ul>\r\n<li>Unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership<\/li>\r\n<li>Unlimited 2% back on local transit and commuting (including rideshare)<\/li>\r\n<li>Unlimited 2% back at restaurants and at gas stations<\/li>\r\n<li>Unlimited 1% back on all other purchases<\/li>\r\n<\/ul>\n<p>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\u2019s top earning categories.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/shopping\/do-amazon-rewards-expire\/\" rel=\"noopener\">Do Amazon Rewards Card Points Expire?<\/a><\/strong><\/p>\n<h3><span id=\"Earn_5_back_at_Amazoncom\">Earn 5% back at Amazon.com<\/span><\/h3>\n<p>Probably the best perk of the card is that cardholders can earn 5% back on <a target=\"_blank\" href=\"\/blog\/link\/amazon\" rel=\"noopener nofollow sponsored\">Amazon.com<\/a> purchases. Eligible items include:<\/p>\n<ul>\n<li>Digital downloads<\/li>\n<li>Amazon Gift Cards<\/li>\n<li>Amazon Prime subscriptions<\/li>\n<li>Items sold by third-party merchants through Amazon.com's marketplace, including Amazon Style, Prime Video, and Kindle Unlimited purchases.<\/li>\n<\/ul>\n<p>Purchases excluded from the 5% rate include:<\/p>\n<ul>\n<li>Merchants using Amazon Pay<\/li>\n<li>International Amazon retail sites<\/li>\n<li>Zappos<\/li>\n<li>Ring<\/li>\n<li>Woot<\/li>\n<li>AbeBooks<\/li>\n<li>Blink<\/li>\n<li>Eero<\/li>\n<li>PillPack<\/li>\n<li>Amazon Games<\/li>\n<li>Wondery<\/li>\n<li>Amazon Music<\/li>\n<li>Buy with Prime<\/li>\n<li>Any other website operated by Amazon not listed here (at Amazon\u2019s sole discretion).<\/li>\n<\/ul>\n<p>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.<\/p>\n<h3><span id=\"10_on_Prime_Visa_bonus_deals\">10% on Prime Visa bonus deals<\/span><\/h3>\n<p>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\u2019s account within a week of the transaction.<\/p>\n<figure id=\"attachment_194221\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/282\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"size-full wp-image-194221 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/01\/prime-bonus.png\" alt=\"A screen shot from Amazon prime showing the card bonuses\" width=\"750\" height=\"282\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/01\/prime-bonus.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/01\/prime-bonus-300x113.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: Amazon Prime<\/em><\/enter><\/figure>\n<h3><span id=\"5_back_at_Whole_Foods\">5% back at Whole Foods<\/span><\/h3>\n<p>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.<\/p>\n<p>However, you should be advised of what Whole Foods purchases are excluded from the 5% bonus category:<\/p>\n<ul>\n<li>Purchases made at Whole Foods stores located internationally.<\/li>\n<li>Purchases of Whole Foods Market products and services through third-party sites, such as Eventbrite, Instacart, Google Express, and Shipt.<\/li>\n<li>Online purchases of Whole Foods Market gift cards (including through buyatab.com).<\/li>\n<li>Event tickets or classes.<\/li>\n<li>Purchases from certain third-party vendors operating at Whole Foods Markets.<\/li>\n<li>Purchases of massage services at any Whole Foods Market.<\/li>\n<li>Purchases from Spa@Ink.<\/li>\n<\/ul>\n<figure id=\"attachment_126819\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-126819 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/Dollar-Gill-Unsplash-grocery-shopping-featured.png\" alt=\"a person browses bags of chips in a large supermarket\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/Dollar-Gill-Unsplash-grocery-shopping-featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/Dollar-Gill-Unsplash-grocery-shopping-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/Dollar-Gill-Unsplash-grocery-shopping-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/Dollar-Gill-Unsplash-grocery-shopping-featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Dollar Gill\/Unsplash<\/em><\/enter><\/figure>\n<h3><span id=\"5_back_on_Chase_Travel\">5% back on Chase Travel<\/span><\/h3>\n<p>Combine the travel benefits of this card with earning 5% back by booking travel through the <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-travel-portal\/\" rel=\"noopener\">Chase Travel portal<\/a>. 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:<\/p>\n<ul>\n<li>Airline tickets<\/li>\n<li>Hotels<\/li>\n<li>Car rentals<\/li>\n<li>Cruises<\/li>\n<li>Activities<\/li>\n<\/ul>\n<p>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.<\/p>\n<figure id=\"attachment_193642\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/471\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"size-full wp-image-193642 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/01\/chase-travel.png\" alt=\"A screen shot shows the Chase Travel Portal main screen\" width=\"750\" height=\"471\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/01\/chase-travel.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/01\/chase-travel-300x188.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: Chase Travel<\/em><\/enter><\/figure>\n<h2><span id=\"Redeeming_Points_With_the_Prime_Visa\">Redeeming Points With the Prime Visa<\/span><\/h2>\n<p><a data-ccid=\"5048341\" href=\"\/blog\/link\/PrimeVisa?var2=ccid~5048341\" rel=\"noopener nofollow sponsored\">Prime Visa<\/a> 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).<\/p>\n<ul>\n<li><strong>Redeeming points at Amazon.com checkout:<\/strong> 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.<\/li>\n<\/ul>\n<figure id=\"attachment_194222\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/384\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"size-full wp-image-194222 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/01\/5-percent-back.png\" alt=\"Screen shot shows that the Prime Visa earns 5% back\" width=\"750\" height=\"384\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/01\/5-percent-back.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/01\/5-percent-back-300x154.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: Amazon<\/em><\/enter><\/figure>\n<ul>\n<li><strong>Redeeming points with Chase Travel:<\/strong> Log into your Chase account\u00a0to redeem your Prime Visa points toward travel.<\/li>\n<li><strong>Other ways to redeem points:<\/strong> 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 \u2014 and even enroll in automated statement credits.<\/li>\n<\/ul>\n<h2><span id=\"Application_Restrictions_and_Strategy\">Application Restrictions and Strategy<\/span><\/h2>\n<p>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:<\/p>\n<blockquote><p><em>&#8220;This credit card is available to you if you do not currently have an Amazon Visa or Prime Visa credit card.&#8221;<\/em><\/p><\/blockquote>\n<p>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 <a target=\"_blank\" href=\"\/credit-cards\/chase-5-24-rule\/\" rel=\"noopener\">Chase's 5\/24 rule<\/a>. Lastly, Chase is unlikely to approve you for more than two credit cards in a 30-day period.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">Understanding Rewards Credit Card Application Rules and Restrictions<\/a><\/strong><\/p>\n<h2><span id=\"Cards_That_Compete_With_the_Prime_Visa\">Cards That Compete With the Prime Visa<\/span><\/h2>\n<p>The <a data-ccid=\"5048341\" href=\"\/blog\/link\/PrimeVisa?var2=ccid~5048341\" rel=\"noopener nofollow sponsored\">Prime Visa<\/a> is a nifty little card, but you may find it helpful to compare other options before you apply. Here are some to consider:<\/p>\n<ul>\n<li><strong>If you shop with Amazon often but don't have a Prime membership,<\/strong> consider the <a data-ccid=\"63\" href=\"\/blog\/link\/AmazonRewardsVisaSignatureCard\" rel=\"noopener nofollow sponsored\">Amazon Visa<\/a>. With no annual fee on this card, you don't need a Prime membership but will earn at slightly lower rates \u2014 think 3% back at Amazon and Whole Foods.<\/li>\n<li><strong>If you often shop online with merchants other than Amazon,\u00a0<\/strong>the <a data-ccid=\"3002004\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/bank-of-america-customized-cash-rewards\/\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/a> 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 &#8212; boosting your earnings significantly. Our <a target=\"_blank\" href=\"\/credit-cards\/cash-back\/bank-of-america-customized-cash-rewards\/\" rel=\"noopener\">full Bank of America Customized Cash Card review<\/a> has more information.<\/li>\n<li><strong>If you want a card that earns well no matter where you're shopping,<\/strong> look into the <a data-ccid=\"3002009\" href=\"\/blog\/link\/CR-CitiDoubleCashCard\" rel=\"noopener nofollow sponsored\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). 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 <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-double-cash-card\/\" rel=\"noopener\">full Citi Double Cash review<\/a>.<\/li>\n<\/ul>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-citi\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/05\/CardArt-AmazonVisa-2.png\" width=\"150\" alt=\"Amazon Visa\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Amazon Visa<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\n$50 Amazon gift card instantly upon account approval.<\/div><\/div><div class=\"compare-apply\"><a class=\"qs-how-apply\" data-ccid=\"63\" href=\"\/blog\/link\/AmazonRewardsVisaSignatureCard\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<\/p><\/div><div class=\"compare-rating compare-rating--0\"><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>3% back at Amazon and Whole Foods Market<\/li>\r\n<li>3% back on purchases made through Chase Travel<\/li>\r\n<li>2% back at restaurants and at gas stations<\/li>\r\n<li>2% back on local transit and commuting, including rideshare<\/li>\r\n<li>1% back on all other purchases<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/11937160.png\" width=\"150\" alt=\"Bank of America\u00ae Customized Cash Rewards credit card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.<\/div><\/div><div class=\"compare-apply\"><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent\/Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>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*<\/li>\r\n<li>2% cash back at grocery stores and wholesale clubs*<\/li>\r\n<li>1% cash back on all other purchases<\/li>\r\n<li>* 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.<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/12d797ee-967a-492c-afac-48873b260ebb.jpg\" width=\"150\" alt=\"Citi Double Cash\u00ae Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nEarn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back. <\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Citi Double Cash\u00ae Card' data-ccid=\"3002009\" href=\"\/blog\/link\/CR-CitiDoubleCashCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--9\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.\r\n<br><br>\r\nPlus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.<\/li>\r\n<\/ul><\/div><\/div><\/div>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-credit-card-for-amazon\/\" rel=\"noopener\">The Best Credit Cards for Shopping on Amazon<\/a><\/strong><\/p>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>The <a data-ccid=\"5048341\" href=\"\/blog\/link\/PrimeVisa?var2=ccid~5048341\" rel=\"noopener nofollow sponsored\">Prime Visa<\/a> serves a large but specific audience: Amazon and Whole Foods regulars. That said, if you\u2019re 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 \u2014 plus the fact the card has no annual fee \u2014 are hard to beat.<\/p>\n<p><div class=\"qs-card\" data-id=\"5048341\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Prime Visa<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/7dab32c0-9de5-470e-9141-11f1b1c9eb06.jpg\" width=\"150\" alt=\"Prime Visa\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Prime Visa<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Prime Visa offers an unlimited 5% cash back on purchases at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases, provided you have an eligible Prime membership. Additionally, it offers 2% back at gas stations, restaurants, and on local transit and commuting, including rideshare, with 1% back on all other purchases.<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>Unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership<\/li>\r\n<li>Unlimited 2% back on local transit and commuting (including rideshare)<\/li>\r\n<li>Unlimited 2% back at restaurants and at gas stations<\/li>\r\n<li>Unlimited 1% back on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/PrimeVisa\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-138a544e81#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Amazon Prime Visa is issued by Chase and offers up to 5% back on purchases if you&#8217;re a Prime member. Here&#8217;s our complete review of this no-annual-fee card to help you decide if it deserves a spot in your wallet.<\/p>\n","protected":false},"author":85,"featured_media":193640,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620,12786],"coauthors":[36458,36466],"class_list":["post-143796","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews","tag-chase"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/143796","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/85"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=143796"}],"version-history":[{"count":25,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/143796\/revisions"}],"predecessor-version":[{"id":256764,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/143796\/revisions\/256764"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/193640"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=143796"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=143796"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=143796"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=143796"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}