The Amazon Rewards Visa Signature Card charges no annual fee.
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The Amazon Rewards Visa Signature Card will help you earn more than your average cash back card, especially if you’re a frequent Amazon shopper. It offers 3% cash back on Amazon purchases, which is one of the highest rewards rates you get without a Prime membership. But it isn’t just a great card for Amazon. It’s a strong, well-rounded rewards credit card, offering elevated cash back rates on gas, dining, local transit and commuting in addition to Amazon, Amazon Fresh and Whole Foods purchases.
The benefits of the Amazon credit card go beyond cash back — they include a sign-up bonus and a host of consumer protections and travel insurances. Cardholders also have access to some of the best Amazon financing offers. With no annual fee and no foreign transaction fees, this card presents few drawbacks. But you may be able to earn more with competing cards like the Amazon Prime Visa.
Intro Purchase APR
N/A
Regular Purchase APR
19.99%–28.74% (variable)
Intro BT APR
N/A
Regular BT APR
19.99%–28.74% (variable)
Annual Fee
$0
Cash Advance Fee
Either $5 or 4% of the amount of each transaction, whichever is greater
Foreign Transaction Fee
$0
Balance Transfer Fee
Either $5 or 4% of the amount of each transfer, whichever is greater
Earning Amazon points
3% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases, 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and 1% back on all other purchases.
Between its 3% bonus on Amazon purchases and elevated earnings on categories like gas and restaurants, the Amazon Rewards Visa Signature Card offers more value than your average cash back card. You’ll get 2% cash back on lucrative categories, like gas stations and restaurants. It may be one of the more rewarding cash back cards around.
However, Amazon shoppers may get more value from the Amazon Prime Visa Card, which requires a Prime membership but offers 5% cash back on Amazon purchases. Online shoppers might earn more with a card for general online purchases like the Blue Cash Everyday® Card from American Express. If your purchases don’t fit any bonus categories, a flat-rate card like the Chase Freedom Unlimited® can be more lucrative.
| Card | Estimated rewards earned per $1 spent* |
|---|---|
| Prime Visa | $0.028 |
| Chase Freedom Unlimited® | $0.021 |
| Amazon Rewards Visa Signature Card | $0.020 |
| Wells Fargo Active Cash® Card | $0.020 |
| Blue Cash Everyday® Card from American Express | $0.019 |
| Bank of America® Customized Cash Rewards credit card | $0.014 |
Sign-up bonus
$50 Amazon Gift Card instantly upon approval.
This is a comparatively modest offer. The best credit card sign-up bonuses are worth hundreds of dollars — sometimes even thousands. On the plus side, you receive the gift card instantly with no spending requirement. Cards typically require you to spend a large amount within the first few months of card opening to earn a sign-up bonus.
Redeeming Amazon points
Amazon rewards are much easier to redeem than average. Your Amazon rewards points will show up in your Amazon rewards balance at checkout as soon as the next day. Points can also be redeemed to pay for part or all of your purchase with no minimum redemption amount. In comparison, many cash back cards require you to manually transfer points or save up a minimum balance before redeeming.
Also, while some cash back cards only let you redeem points for cash, Amazon reward points can be redeemed at a rate of 1 cent per point for cash back, gift cards, and travel through Chase.com.
Learn more about redeeming credit card points
Other benefits
This card offers a longer list of benefits with higher coverage limits than what you’d get with most no-annual-fee cash back credit cards. Competitors like the Blue Cash Everyday® Card from American Express, for example, offer more limited purchase protection and no baggage delay, lost luggage or travel accident insurance. However, if you’re looking for comprehensive purchase and travel protections and willing to pay an annual fee, you might want to consider a premium travel credit card, like the Chase Sapphire Reserve®.
The Amazon Rewards Visa Signature Card and Amazon Prime Visa are virtually the same credit card, except the Prime Visa offers a higher 5% cash back rate on Amazon, Amazon Fresh, Whole Foods and Chase Travel purchases. That said, it requires you to have a Prime membership, which costs $139 per year.
| Amazon Rewards Visa Signature Card | Prime Visa | |
|---|---|---|
| Sign-up bonus | $50 Amazon Gift Card instantly upon approval. | Get a $200 Amazon Gift Card instantly upon approval exclusively for Prime members. |
| Amazon.com, Amazon Fresh, Whole Foods Market | 3% cash back | 5% cash back |
| Other rewards |
|
|
| Credit Cards | Our Ratings | Welcome Offer | Rewards Rate | Regular APR | |
|---|---|---|---|---|---|
|
Amazon Rewards Visa Signature Card*
|
$50 Amazon Gift Card instantly upon approval. | 3% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases, 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and 1% back on all other purchases. | 19.99%–28.74% (variable) | ||
Prime Visa
 Apply Now
on Chase's secure site |
Get a $200 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, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% on all other purchases | 19.99%–28.74% Variable |
Apply Now
on Chase's secure site |
|
Blue Cash Everyday® Card from American Express
|
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. | 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%. 1% cash back on other purchases. Terms apply. | 18.49%-29.49% Variable | ||
Bank of America® Customized Cash Rewards credit card
Apply Now
on Bank Of America's secure site |
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening | 3% cash back in the category of your choice. 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases. 1% cash back on all other purchases. | 18.74% - 28.74% Variable APR |
Apply Now
on Bank Of America's secure site |
The Amazon Rewards Visa Signature Card charges no annual fee.
You’ll have the best chance at qualifying for the Amazon Rewards Visa Signature Card if you have , which Amazon defines as a credit score above 680. The Amazon Prime Store Card is designed with people who have fair credit, or a score of 640 to 680. If your credit score is below that, you’ll have an easier time qualifying for the Amazon Secured Card as it’s designed for people with limited / poor credit.
You can apply for the Amazon Rewards Visa Signature Card through Amazon.com. You’ll have to create an Amazon account or log in to your existing account. From there, you’ll be taken to an application and asked to provide basic personal and financial information like your name, Social Security number, address, employment information and income. If you apply online, you may receive an instant decision, or you may have to wait a few days to find out if you’re approved.
You can use the Amazon Rewards Visa Signature Card anywhere that accepts Visa credit cards.
The Amazon Rewards Visa Signature Card is issued by Chase Bank.
To see rates & fees for American Express cards mentioned on this page, visit the links provided below:
The information related to the Amazon Rewards Visa Signature Card, Wells Fargo Active Cash® Card, Amazon Prime Store Card and Amazon Secured Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
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