Amazon Prime Rewards Visa Rewards Breakdown: Earning & Redeeming
The Amazon Prime Rewards Visa from Chase is one of the most competitive credit cards in the rewards credit cards category. With a rating of 8/10, it offers no annual fee and impressive rewards including 5% amazon/whole foods, 2% dining/gas, 1% else.
In this comprehensive review, we break down everything you need to know about the Amazon Prime Rewards Visa: rewards structure, fees, APR, welcome bonus, and how it compares to competitors. Whether you are looking for your first rewards card or adding to your wallet, this guide covers it all.
Amazon Prime Rewards Visa Overview
The Amazon Prime Rewards Visa is issued by Chase and is designed for consumers with Good-Excellent (670+). It carries a rating of 8/10 from our experts. For those with good to excellent credit, this card can be a valuable addition to your wallet.
| Feature | Details |
|---|---|
| Issuer | Chase |
| Annual Fee | $0 |
| Intro APR | N/A |
| Regular APR | 19.24% - 27.24% Variable |
| Rewards | 5% Amazon/Whole Foods, 2% dining/gas, 1% else |
| Welcome Bonus | $200 Amazon gift card upon approval |
| Credit Score | Good-Excellent (670+) |
| Foreign Tx Fee | 3% |
Rewards & Benefits Breakdown
The Amazon Prime Rewards Visa earns 5% amazon/whole foods, 2% dining/gas, 1% else. Here is the detailed breakdown of earning rates:
| Category | Reward Rate |
|---|---|
| All Purchases | 5% Amazon/Whole Foods, 2% dining/gas, 1% else |
| Welcome Bonus | $200 Amazon gift card upon approval |
| Intro APR | N/A |
| Credit Score | Good-Excellent (670+) |
Since this card has no annual fee, you can keep it forever without cost. Use it for travel to maximize value.
Fees & APR Analysis
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Purchase APR | 19.24% - 27.24% Variable |
| Balance Transfer APR | 19.24% - 27.24% Variable |
| Foreign Transaction Fee | 3% |
Amazon Prime Rewards Visa vs Competitors
See how Amazon Prime Rewards Visa stacks up against similar cards.
| Card | Fee | Rewards | Bonus | Rating |
|---|---|---|---|---|
| Blue Cash Everyday | $0 | 3% supermarkets (up to 6K), 2% gas/transit, 1% ... | $200 after $2,000 in first 6 months | 8/10 |
| Best Buy Visa | $0 | 2.5% Best Buy, 1.5% dining/gas/grocery | 10% back in rewards on first purchase | 6/10 |
| Nordstrom Visa | $0 | 3x Nordstrom, 2x dining/gas, 1x else | $40 Nordstrom Notes | 6/10 |
| Hilton Honors (No Fee) | $0 | 7x Hilton, 5x dining/gas/grocery, 3x else | 70,000 points after $2,000 in first 3... | 7/10 |
| Capital One Walmart Rewards | $0 | 5% Walmart.com, 2% Walmart, 2% dining/gas, 1% else | N/A | 7/10 |
Pros & Cons
✅ Pros
- Competitive rewards rate: 5% Amazon/Whole Foods, 2% dining/gas, 1% else
- Welcome bonus: $200 Amazon gift card upon approval
- No annual fee
- Issued by reputable Chase
- High expert rating of 8/10
❌ Cons
- Foreign transaction fee of 3%
The Amazon Prime Rewards Visa is best for consumers who want a simple, no-fee card with solid rewards. If you have Good-Excellent (670+) credit and spend $930/month on average, this card could earn you significant value.
How to Apply for Amazon Prime Rewards Visa
Applying for the Amazon Prime Rewards Visa is straightforward. Here is the step-by-step process:
- 1
Check Your Credit Score
Before applying, check your credit score. You need Good-Excellent (670+) for the best approval odds.
- 2
Compare Your Options
Compare the Amazon Prime Rewards Visa with similar cards from other issuers to ensure it is the right fit.
- 3
Gather Required Information
You will need your Social Security number, income information, and address to apply.
- 4
Complete the Online Application
Visit Chase.com or the Chase mobile app. The application takes about 5-10 minutes.
- 5
Await Approval Decision
Most applicants receive an instant decision. If approved, your card will arrive in 7-10 business days.
Frequently Asked Questions
You need Good-Excellent (670+) credit to be approved for the Amazon Prime Rewards Visa. Approval is not guaranteed and depends on your overall credit profile.
Yes, with no annual fee, this card is worth keeping in your wallet indefinitely. Plus, the welcome bonus alone covers the first year's value.
The purchase APR is 19.24% - 27.24% Variable.
Yes, there is a 3% foreign transaction fee.
Rewards can be redeemed through your Chase online account. Options typically include statement credits, gift cards, travel bookings, and direct deposits.
Conclusion
The Amazon Prime Rewards Visa is a solid choice in the rewards credit cards category. With no annual fee and competitive rewards, it offers good value for the right consumer.
We recommend this card for anyone with Good-Excellent (670+) credit looking for cash back on their everyday spending. Compare it with other cards in our list to find the best fit for your wallet.
The Amazon Prime Rewards Visa earns 5% amazon/whole foods, 2% dining/gas, 1% else. With a rating of 8/10, it is one of the better options in the rewards credit cards space. Recommended for consumers with Good-Excellent (670+) credit.