Amazon Prime Rewards Visa Signature Card review

Amazon Prime Rewards Visa Signature Card review

Updated: January 14, 2022
Updated: January 14, 2022
Ratings Policy
Cash Back Rating:
3.9 rating
3.9 rating
3.9 / 5
Rewards Value:4.0
Annual Percentage Rate:3.0
Rewards Flexibility:3.0
Issuer Customer Experience4.0

In a Nutshell:

The Amazon Prime Rewards Visa Signature card offers a great 5 percent rate on Amazon and Whole Food purchases, but Prime membership requires a high $119 fee, and Amazon points lack versatility.

* All information about the Amazon Prime Rewards Visa Signature card has been collected independently by and has not been reviewed by the issuer. This card is not currently available through

View similar rewards credit cards

Rewards Rate

  • 5% back on and Whole Foods purchases
  • 2% back on restaurant, gas station and drug store purchases
  • 1% back on other purchases
Very Good

Sign-up Bonus
$150 gift card upon approval


Annual Bonus


Annual Fee
$0 ($119 Amazon Prime membership required)


Average Yearly Rewards Value ($1,325 monthly spend)


14.24%-22.24% (variable)


Rewards Redemption

  • 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

Chase Customer Service Ratings

  • J. D. Power 2020 customer satisfaction rating: 809 (30% of issuers in this category ranked higher)
  • 24/7 customer service?: Yes
  • Online chat available?: No
  • Google Play Store mobile app rating: 4.4/5
  • Apple Store mobile app rating: 4.8/5
Very Good

Other Notable Features: Car rental insurance, roadside dispatch, purchase protection, extended warranty, baggage delay insurance, lost baggage insurance, Visa Signature luxury hotel collection, Visa Signature concierge, no foreign transaction fees

CardMatchFind card offers for you: This card is not currently available on, but you can still find a great card offer for you! Our CardMatch tool can help match you with prequalified offers and cards that align with your credit history – with no harm to your credit score. Get personalized offers from our partners in seconds.

Amazon Prime Rewards Visa Signature Card Review: More Details

The Amazon Prime Visa Signature card comes with a head-turning number: 5% on Amazon and Whole Foods purchases. The card has many of the same features as its predecessor – the Amazon Rewards Visa Signature card – and it improves on the regular Amazon Rewards card by offering an unlimited 5% rewards rate on purchases.

For current Amazon Prime subscribers, the Prime card is worth the hoopla. Besides the fact that you will have a shiny, metal card to show off (yes, the Amazon Prime card is made of metal), the card comes with some useful purchase and travel protections, and, of course, a higher rewards rate. However, you’ll need to shell out $119 for Amazon Prime membership just to obtain the card. While you can get far more than $119 worth of value out of Prime membership, the service doesn’t necessarily make sense for every cardholder.

Tip: Amazon Prime membership on its own comes with very valuable benefits, including free two-day shipping and Amazon Video. If you aren’t currently an Amazon Prime member, we recommend looking in to the full list of benefits to see whether Prime Membership — and, by extension, the Amazon Prime card —  make sense for you. (Learn more in our article, “Is Amazon Prime worth it?”)

Sign-up bonus

You can earn a $150 Amazon gift certificate as soon as your application is approved as a sign-up bonus. An instant gift certificate is Amazon’s “business as usual” sign-up bonus, and the current $150 offer is a good bit higher than the card’s former bonus of a $100 gift certificate.

Earning Amazon points

The unlimited 5% return on Amazon and Whole Foods purchases is 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. The card also offers 2% back on restaurants, gas stations and drug store purchases (and 1% back on the remainder of your purchases), adding up to a high earning rate overall.

For someone who already subscribes to Amazon Prime, an unlimited 5% bonus is mere 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 $119 for Amazon Prime membership before you apply, and, though Amazon Prime does offer very valuable benefits, the rewards that you earn from the card are unlikely to outweigh the membership fee.

Even when you factor in the $150 gift card that Amazon offers to new cardholders, the $119 annual fee for Amazon Prime membership takes a chunk out of your potential rewards earnings after your first year. If you spend less than $1,500 on Amazon purchases each year, you may be better off applying for an alternative rotating rewards card that offers 5% earnings on Amazon purchases and pairing it with a cash back card that offers a 1.5 to 2 cash back rate on everyday spending.

Bonus for Whole Foods customers

Whole Foods customers may be delighted to learn that the 5% bonus rate also applies to Whole Food purchases – both online and at the register. Frequent shoppers with Whole Foods can earn a substantial amount of rewards with the Amazon Prime card. In fact, if you spend at least $2,380 at Whole Foods each year, your earnings with the card will cancel out the cost of your Prime Membership.

Rewards earned on Whole Foods purchases

Yearly spendCash back earned

Bonus for Whole Foods customers

Select rotating categories on Amazon will also earn extra rewards up to 20% on top of the default 5% bonus. While the 20% number may seem enticing, however, these bonus categories won’t make up the bulk of your purchases and can be somewhat niche.

Redeeming Amazon points

Amazon aims to make sign-up for the Amazon Prime card and rewards redemption as seamless as possible. Current members of Amazon Prime with an Amazon Rewards Visa Signature card will be automatically upgraded to the new card. While you are waiting to receive your new Amazon Prime card in the mail, you can log in and link your current Visa Signature card to your account to start receiving the 5% bonus.

Redeeming points on Amazon

Amazon allows you to conveniently apply your points at the point of purchase

Once the card is linked to your Amazon Prime account, choose the card as your payment option, input the number of points you want to use, and Amazon will instantly apply them to your purchase.

If you don’t want to use your points for Amazon purchases, Amazon gives you a few other redemption options, including statement credits, deposit into a checking or savings account, gift cards and travel rewards.

Other Amazon redemption options

You can redeem Amazon points for cash back, gift cards or travel

While you’ll need to collect a minimum of 2,000 to 2,500 points to qualify for one of these alternative options, the good news is that you get a value of 1 cent per point no matter which way you redeem your points. (However, you’ll need to call in to Chase’s travel center to redeem your points for travel – for convenience’s sake, you may want to avoid this option.)

Amazon Rewards Visa Signature redemption options

Minimum points requiredPoint value (cents) purchasesRedeem any amount for all or part of a purchase1
Statement credit2,0001
Checking or savings account deposit2,0001
Gift cards2,5001
TravelDepends on purchase1

Unfortunately, although this is a Chase card, there are no options to transfer points to other Chase cards. Also, points can be applied only to one Amazon Prime account. Cardholders searching for a card with more versatile points would be better off checking out Chase’s line of Ultimate Rewards cards.

Purchase protections

The Amazon Prime card offers several protections to help protect your purchases made online. The card guarantees zero fraud liability – which means you are never liable for unauthorized purchases made with your card. The card also includes:

  • Purchase protection – Your card covers you for 120 days against damage or theft of 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.

Travel protections

If you’re reading this review, it’s likely that you are considering the Amazon Prime card mainly for Amazon purchases. You may be surprised to learn that the Prime card also makes a good travel companion, thanks to its collection of Visa Signature benefits, including:

  • No foreign transaction fees – The card doesn’t charge transaction fees on purchases made outside the U.S. (which means the card also spares you a 2% to 3% fee for purchases on Amazon sites in foreign countries).
  • Travel and emergency assistance – Cardholders are eligible for legal, medical and other emergency services while traveling.
  • 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 – The card offers up to $500,000 in coverage for accidental death or dismemberment while traveling.
  • Auto rental collision damage waiver – The card offers secondary coverage (coverage that applies in case another policy doesn’t apply) for theft or damage to a rental car purchased with the card.
  • Roadside dispatch – You can call 24-hour roadside service through the card (for a fee) if you have roadside emergency.

While this is a fair list of protections, if you’re looking for a card to cover you in case of travel emergencies, you may be better off searching for a card that offers broader travel protections, particularly trip cancellation and interruption insurance (The Chase Sapphire Reserve® is a good option).

Customer experience

The Amazon Prime Rewards card is issued through Chase bank, which has a fairly good record on customer service. Chase recently scored 809 on J.D. Power’s 2020 customer satisfaction, coming in fourth place out of 11 major issuers. The Chase mobile app also rates well with its users, scoring a 4.8 out of 5 on the Apple Store and 4.4 out of 5 on Google Play store. Chase offers convenient, round-the-clock customer service for its cardholders. One drawback: Chase doesn’t include mobile chat on its website – a loss for cardholders seeking to get a simple question answered quickly.

Is this card the same as the Amazon Store card?

The Amazon Prime Rewards Visa Signature card is not the same as the Amazon Store card. To some shoppers’ confusion, Amazon also offers a store card that includes special Amazon financing and a 5% bonus on Amazon purchases when you subscribe to Amazon Prime. The Amazon Store card is not a general-purpose credit card – it can only be used on Amazon purchases – is issued by a different bank (Synchrony) and features a much higher APR, so cardholders should take care not to mix the two cards up when applying.

See related: Amazon store cards vs. Amazon Visa credit cards

Alternatives to the Amazon Prime Rewards Visa signature card

If you’re looking for the best option for earning rewards on Amazon purchases, you can’t do much better than the Amazon Prime 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:

Amazon Rewards Visa Signature
Amazon Rewards Visa Signature Card
Discover it Cash card
Discover it® Cash Back
Chase Freedom Unlimited card
Chase Freedom Unlimited
Rewards rate

  • 3% back on Amazon and Whole Foods purchases
  • 2% back on gas station, restaurant and drugstore purchases
  • 1% back on other purchases
Rewards rate

  • 5% back on rotating quarterly categories, up to $1,500 in purchases per quarter upon enrollment, 1% thereafter
  • 1% on other purchases
  • is a bonus category for Q4 of 2021
Rewards rate

  • 5% cash back on Lyft purchases (through March 2022)
  • 5% cash back on travel through Chase Ultimate Rewards
  • 3% cash back at restaurants and on drugstore purchases
  • 1.5% cash back on all other purchases
Sign-up bonus

  • $50 gift card when you’re approved
Sign-up bonus

  • Matches all your cash back in the first year (new cardholders can essentially earn 10% on Amazon purchases in Q4 2020)
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

  • No foreign transaction fee
Other things to know

  • No foreign transaction fee
Other things to know

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

Amazon Prime Rewards Visa Signature card

With the 3% back at Amazon and Whole Foods, the Amazon Prime Rewards Visa Signature card offers the next highest earning rate on Amazon purchases. It also features most of the same travel and purchase protections as the Amazon Prime card, including no foreign transaction fee, all for no annual fee.

Discover it Cash Back

For three quarters of the year, the Discover it Cash Back card only offers 1% cash back on Amazon purchases, but in the fourth quarter of 2021, the Discover it Cash Back is a winning proposition for Amazon purchases – especially for new cardholders. If you remember to enroll in the category that quarter, you will receive 5% back on your Amazon purchases, on up to $1,500 in purchases (then 1%). And, since Discover matches your cash back at the end of your first year of card membership, new cardholders can essentially earn 10% cash back on Amazon purchases in the fourth quarter.

Chase Freedom Unlimited (along with other Ultimate Rewards cards)

The Chase Freedom Unlimited card can’t compete with the Amazon Prime or Amazon Rewards Visa’s rewards rate on Amazon purchases. However, if you’re not up for applying to the Amazon card and – especially if you’d rather earn points than cash back – you should consider applying for the Chase Freedom Unlimited card. If you pair it with other cards in the Chase Ultimate Rewards family, including a Chase Freedom card and a Chase Sapphire Preferred® Card or Chase Sapphire Reserve card – you can boost your overall earning rate, get a 25% to 50% bonus, respectively, on travel redemptions through Chase Ultimate Rewards, transfer points to outside travel partners, and enjoy a host of great travel benefits, including lounge access through the Chase Sapphire Reserve card.

Why should you get the Amazon Prime Rewards Visa Signature card?

  • You’re already an Amazon Prime member.
  • You shop frequently enough on Amazon to justify the ongoing cost of a $119 Amazon Prime membership.
  • You shop frequently at Whole Foods (especially if you spend more than $2,380 per year there).
  • You spend a lot on restaurant and gas purchases.
  • You’re a frequent traveler, who can take advantage of the card’s travel benefits, including the waived foreign transaction fees.
  • You often shop on foreign websites and would benefit from the lack of a foreign transaction fee for those purchases.

How to use the Amazon Prime Rewards Visa Signature card:

  • Sign up for an Amazon Prime membership to apply for the card.
  • Use the Prime card for all your Amazon 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).

Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. Learn more about our advertising policy

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.