Amazon Prime Rewards Visa Signature Card: Maximize Your Amazon Experience 

With the Amazon Prime Rewards Visa Signature Card your everyday spending just got more rewarding.

The Amazon Prime Rewards Visa Signature Card turns every Amazon and Whole Foods purchase into a cash-back opportunity. Designed exclusively for Amazon Prime members, this card brings serious value where you already shop most. Whether you’re filling your pantry or outfitting your living room, this card ensures your spending works harder for you. Backed by Chase, you’ll enjoy premium Visa Signature benefits and security — all with no annual credit card fee.

A Quick Look at the Competition

While many cash-back cards offer 1.5%–2% across all categories, the Amazon Prime Rewards Visa stands out by offering 5% back at Amazon.com and Whole Foods Market, beating most flat-rate cards in the spaces where Prime members spend heavily. Unlike rotating category cards (like the Discover it® Cash Back or Chase Freedom Flex℠), the Amazon Prime Rewards Visa keeps things consistent, with automatic rewards that don’t require activation.

Five Common Credit Card Types — And Where This Card Fits

1. Flat-Rate Rewards Cards – Offer the same rate on all purchases. The Prime card beats them in Amazon and Whole Foods categories.
2. Rotating Category Cards – Require you to track and activate categories. The Prime card eliminates that hassle.
3. Travel Rewards Cards – Great for frequent flyers, but less useful for everyday spending.
4. Retail Store Cards – Often offer limited use and lower rewards rates. This Visa works anywhere Visa is accepted.
5. Secured/Starter Cards – Good for building credit, but limited rewards. The Prime card is ideal for those with good to excellent credit seeking better value.

Inside the Amazon Prime Rewards Visa Signature Card

Generous Cash-Back Structure

• 5% back at Amazon.com and Whole Foods Market (requires eligible Prime membership)
• 2% back at restaurants, gas stations, and drugstores
• 1% back on all other purchases

There are no limits or caps on rewards, and your cash back never expires as long as your account remains open.

Reward Redemption Your Way

• Redeem rewards at checkout directly on Amazon.com
• Convert cash back into statement credits or direct deposits
• Use points toward travel or gift cards via Chase’s Ultimate Rewards platform

No Annual Fee (with Prime)

While an Amazon Prime membership is required to qualify for the 5% rate, there is no annual fee for the credit card itself — making it a powerful addition to your wallet without ongoing card-related costs.

Built-In Savings Every Day

No need to wait for deals — this card saves you money daily:

• No foreign transaction fees, so you can shop worldwide without penalty.
• Introductory bonus: Get a $100 Amazon Gift Card instantly upon approval (Prime membership required).
• Ongoing value: No rotating categories or quarterly sign-ups — just effortless savings on what you already buy.

Tools That Help You Stay in Control

• Real-time alerts and mobile notifications for every purchase
• Contactless payments for speed and convenience at checkout
• Chase Mobile App for easy account management, payment scheduling, and tracking rewards
• Set up auto-pay to avoid missed payments and protect your credit score

Security You Can Rely On

• Zero Liability Protection – You’re never responsible for unauthorized charges
• Fraud Monitoring – Proactive alerts and card-lock capabilities via app
• Travel and purchase protections, including extended warranty, purchase protection, and travel accident insurance

Transparent Terms You Can Trust

• APR: Variable 19.49% – 27.49% based on creditworthiness
• Annual Fee: $0 (with Amazon Prime membership)
• Foreign Transaction Fees: $0
• Balance Transfers & Cash Advances: Additional fees apply

Tip: Always pay in full each month to avoid interest and maximize your cash-back rewards.

How to Apply

Applying is fast and easy:

1. Visit the official Amazon Prime Rewards Visa Signature Card page.
2. Log in with your Amazon Prime account.
3. Fill out a short application form with your personal and financial details.
4. Get an instant decision in most cases.

Once approved, your $100 Amazon Gift Card will be automatically loaded to your account — no waiting, no codes.

How This Card Impacts Your Credit

Using this card responsibly can have a positive impact on your credit score. It reports to the major bureaus monthly, and with no annual fee, it’s easy to keep long-term — helping build your average account age, a key credit scoring factor. Just avoid carrying a balance to steer clear of interest charges and preserve your credit utilization.