Prime Visa review

Prime Visa review

Updated: June 27, 2024

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Updated: June 27, 2024

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Ratings Policy
Cash Back Rating:
4.3 rating
4.3 rating
4.3 / 5
Rewards Value:4.0
Annual Percentage Rate:4.0
Rewards Flexibility:2.3
Issuer Customer Experience4.0

In a Nutshell:

The Prime Visa card offers a great rewards rate on Amazon and Whole Food purchases, but Prime membership requires a high fee, so the card only makes sense if you’re already an Amazon fan.

Learn more about this card

Rewards Rate

  • Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on with an eligible Prime membership
  • Unlimited 5% back on, Amazon Fresh and Whole Foods Market purchases with an eligible Prime membership
  • Unlimited 5% back on Chase Travel purchases with an eligible Prime membership
  • 2% back on restaurant, gas station and local transit and commuting purchases (including rideshares)
  • 1% back on other purchases
Very Good

Sign-up Bonus
Get a $200 Amazon Gift Card instantly upon approval, exclusively for Prime members


Annual Bonus


Annual Fee
$0 ($139 Amazon Prime membership required)


 20.49% - 29.24% Variable


Chase Customer Service Ratings

Very Good

Other Notable Features: Purchase protection, extended warranty, baggage delay insurance, lost baggage insurance, no foreign transaction fees

The Prime Visa comes with a terrific mix of Amazon and everyday rewards, including an unlimited 5% rewards rate on and Whole Foods purchases as well as 5% back on Chase Travel purchases.

For current Amazon Prime subscribers, the Prime card is worth the hoopla. Indeed, if you spend heavily on or Whole Foods purchases, this could easily be one of the best rewards cards out there and certainly the best credit card for Amazon purchases.

However, you’ll need to shell out $139 for Amazon Prime membership just to obtain the card. While you can likely get far more than $139 worth of value out of Prime membership, the service doesn’t necessarily make sense for every cardholder.


  • Points don’t expire as long as your account remains open
  • No limits on how much cash back you can earn
  • Redeem your points instantly for purchases or as a statement credit on your credit card bill
  • Many other rewards options, including gift cards and travel
  • No minimum required to redeem your points on (2,000 points required for cash back redemptions)


  • No options to transfer rewards points
  • You can only link your card to one Amazon Prime account to earn 5% rate

Why you might want the Prime Visa

The Prime Visa has a lot to offer, especially as a co-branded credit card. It has a respectable cash back rate and rewards are simple to redeem for either statement credits or Amazon purchases. It also offers a high level of consumer protections. Given the value, this card can be a great addition to your wallet if used correctly.

High rewards rate for Whole Foods and purchases

The unlimited 5% return on Amazon purchase is perhaps the best thing the card has to offer. While there are competing cards that also offer a 5% rewards rate on Amazon purchases, they come with seasonal restrictions and limit the 5% rate to the first $1,500 in purchases. This card also offers 2% back on restaurants, gas stations and local transit and commuting purchases (and 1% back on the remainder of your purchases), adding up to a high earning rate overall.

Cardholders who frequent Whole Foods will also see a substantial 5% percent cash back on their grocery store visits both online and at the register, making the Prime Visa a shoo-in as one of the best rewards card for groceries. Frequent shoppers with Whole Foods or Amazon Fresh can earn a substantial amount of rewards with the Prime Visa card. In fact, if you spend at least $2,780 at Whole Foods each year, your earnings with the card will offset the cost of your Prime Membership.

Solid purchase and travel protections

Most co-branded rewards cards — especially no-annual-fee co-branded cards — are light on travel and shopping protections. That’s not the case with the Prime Visa card. Cardholders will get the full suite of Visa Signature card benefits, including several perks to help safeguard  purchases made online. The card guarantees zero fraud liability – which means you are never liable for unauthorized purchases made with your card.

Some of the most noteworthy perks of the Amazon Prime Rewards card include:

  • Purchase protection – Your card covers you for 120 days against damage or theft on purchases, up to $500 per claim and $50,000 per account.
  • Extended warranty protection – For eligible warranties of three years or less, your card will extend the warranty period by an additional year.
  • No foreign transaction fees – The card doesn’t charge transaction fees on purchases made outside the U.S. (which means it also spares you a 2% to 3% fee for purchases on Amazon sites in foreign countries).
  • Lost luggage reimbursement – The card covers you and your family members for checked and carry-on bags that are lost or damaged by a carrier – up to $3,000 per passenger.
  • Baggage delay insurance – The card will reimburse for you essential purchases in case your luggage gets delayed while traveling – up to $100 per day up to three days, for delays of six hours or longer.
  • Travel accident insurance – You’ll get up to $500,000 in coverage for accidental death or dismemberment while traveling.

Flexibility when redeeming rewards

If you don’t want to use your points for Amazon purchases, Amazon gives you a few other redemption options, including cash back, gift cards and travel rewards.

Points are worth 1 cent each no matter how they’re redeemed. There is no minimum redemption requirement when redeeming for Amazon purchases. Cardholders can also redeem their points for travel or for statement credits.

Why you might want a different card

While this card offers a lot in terms of benefits, it can be costly depending on how you use it and whether you already have or plan to have a Prime membership.

No Access to the Chase Ultimate Rewards portal

Though the Prime Visa is issued by Chase bank, cardholders won’t get access to the benefits included in the Chase Ultimate Rewards Portal. Rewards earned with the Prime Visa can’t be transferred to the Chase Ultimate Rewards program either.

Requires an Amazon Prime membership

If you’re not keen on shelling out the money for an Amazon Prime membership on an ongoing basis it’s better to skip this card. You can offset the cost of an Amazon Prime membership in your first year with the sign-up bonus (cardholders get a $200 Amazon gift card instantly upon approval), but this strategy only works if you plan on making over $139 in purchases in the first place.

For someone who already subscribes to Amazon Prime, an unlimited 5% rewards rate is icing on the cake. However, other applicants will need to weigh the value of Amazon Prime benefits before springing for the card. You’ll need to pay the $139 annual fee for an Amazon Prime membership before you apply, and, though Amazon Prime does offer very valuable benefits, the rewards that you earn from the card may not outweigh the membership fee.

Even when you factor in the gift card that Amazon offers to new cardholders, the $139 annual fee for Amazon Prime membership takes a chunk out of your potential rewards earnings after your first year. Depending on how much you typically spend with Amazon, you may be better off applying for an rotating rewards card that periodically offers 5% earnings on Amazon purchases and pairing this with a cash back card that offers a flat 1.5% to 2% cash back rate on general purchases.

How does the Prime Visa compare to other rewards cards?

If you’re looking for the best option for earning rewards on Amazon purchases, you can’t do much better than the Prime Visa card. Still, if you’re not prepared to spring for Prime membership, and you’re looking for a good alternative to the Prime card, you have a few other good options:

Chase Freedom Unlimited

Blue Cash Everyday® Card from American Express

Discover it Cash card
Discover it® Cash Back
Chase Freedom Unlimited card
Chase Freedom Unlimited®
Rewards rate

  • 3% cash back on U.S. supermarket, U.S. gas station and U.S. online retail purchases (on up to $6,000 in purchases per year in each category, then 1%)
  • 1% cash back on other purchases
  • Terms apply
Rewards rate

  • 5% back on rotating quarterly categories, up to $1,500 in purchases per quarter upon enrollment, 1% thereafter
  • 1% on other purchases
Rewards rate

  • 5% cash back on Lyft purchases (through March 2025)
  • 5% cash back on travel through Chase Travel℠
  • 3% cash back at restaurants and on drugstore purchases
  • 1.5% cash back on all other purchases
Welcome bonus

Earn a $200 statement credit after you spend $2,000 in purchases within the first six months (Terms apply)

Sign-up bonus

  • Matches all your cash back at the end of your first year for new cardmembers
Sign-up bonus

  • Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
Annual fee

  • $0
Annual fee

  • $0
Annual fee

  • $0
Other things to know

  • Up to $84 in streaming service statement credits each year after using this card to pay a $12.99 or more Disney Bundle monthly subscription (via $7 monthly credits; enrollment required)
  • 0% intro APR on purchases and balance transfers for 15 months (19.24% - 29.99% Variable thereafter)
  • Up to $180 in Home Chef meal solution statement credits (via $15 monthly credits; enrollment required)
  • Access to American Express Pay It Plan It alternative payment plans
Other things to know

  • No foreign transaction fee
Other things to know

  • You can transfer points to certain Chase cards and redeem them for travel through Chase Travel℠ for a 25-50% redemption bonus or transferred to other travel programs

How to use the Prime Visa:

  • Sign up for an Amazon Prime membership to apply for the card.
  • Use the Prime card for all your Amazon, Amazon Fresh and Whole Foods purchases to earn the 5% bonus rate and take advantage of the purchase protections.
  • Use your points at checkout on Amazon – you can instantly apply them with no minimum points required.
  • You can use this card when you travel in foreign countries or shop on foreign sites without racking up foreign transaction fees.
  • Use an online shopping portal such as eBates to stack up extra cash back on your Amazon purchases (yes, the rewards do stack with your card rewards).

Is the Prime Visa right for you?

If you do most of your online shopping at or spend most of your grocery budget with Amazon Fresh or at Whole Foods, this card is a solid choice. With 5% cash back at these stores and 2% back on other everyday spending at gas stations and restaurants, the card has the potential to be lucrative for the right cardholder. It also provides significant travel and purchase protections.

But if you don’t frequent or Whole Foods, you might be better off with a different rewards card.

All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.

Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. It is not our partner’s responsibility to ensure all posts or questions are answered.

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