Amazon Rewards Visa Signature Card review

Amazon Rewards Visa Signature Card review

Updated: May 20, 2021
Updated: May 20, 2021
Ratings Policy
Cash Back Rating:
2.6 rating
2.6 rating
2.6 / 5
Rewards Value:0.7
Annual Percentage Rate:2.9
Rewards Flexibility:4.7
Issuer Customer Experience3.6

In a Nutshell:

For cardholders who don’t want to pay the fee for an Amazon Prime membership, the regular Amazon Rewards Visa card offers one of the highest rewards rates on purchases as well as a pretty good rewards rate on gas, restaurant and drugstore purchases.

* All information about the Amazon 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

  • 3% cash back on and Whole Foods purchases
  • 2% cash back on gas station, restaurant and drugstore purchases
  • 1% cash back on general purchases

Sign-Up Bonus
$50 gift card


Annual Fee


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


14.24%-22.24% (variable)


Rewards Redemption

  • No limit on the amount of cash you can earn
  • Cash doesn’t expire
  • Rewards can be redeemed instantly through
  • Rewards can be redeemed for cash back, gift cards, travel or purchases


  • You can only withdraw cash in increments if you redeem cash through

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: Extended warranty, purchase protection, baggage delay insurance, lost baggage insurance, Visa Signature concierge

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If you frequently stock up on books, clothing, diapers, electronic goods or other household supplies on, you’ll have no trouble earnings a substantial amount of cash back with this user-friendly cash back card. The Amazon Rewards Visa Signature card offers a solid amount of cash back on purchases and also gives cardholders an extra boost at restaurants, drug stores and gas stations.

If you’re not a heavy Amazon user, though, you won’t get nearly as much out of it. The Amazon card’s double rewards rate on everyday purchases such as gas and restaurant spending is helpful for cardholders who enjoy shopping on Amazon and don’t want a ton of cards crowding their wallet. However, you can almost certainly get more value out of everyday purchases with a different card.

Solid rewards for fans of

If you have an Amazon Prime membership and frequently use Amazon to stock up on household supplies – or if you’re a graduate student or parent who’s frequently ordering textbooks or other pricey supplies online – the triple rewards rate on the Amazon Rewards Visa is a great deal. You’ll receive 3 percent cash back on every purchase, which can add up quickly if you use your card regularly or use it to make some pricey purchases, such as furniture or electronics. And because the selection of available merchandise at Amazon is so huge, you won’t have trouble finding things to buy either. Cardholders can earn 3 percent cash back on everything from diapers to cleaning supplies to housewares and more, making it the perfect card for busy cardholders who use Amazon as a one-stop shop.

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

Mediocre rewards on everyday purchases

The Amazon Rewards Visa also gives 2 percent cash back on restaurant, drug store and gas station purchases, which is a significant boost for cardholders who prefer to use the same card for all or most of their purchases. However, if you want to maximize your earnings on every purchase, you can get more cash back on those types of purchases through other cards. The Amazon Rewards Visa also awards just 1 percent cash back on general purchases, which is typical for a rewards card, but less generous than some competitors.

Lousy sign-up bonus

The most disappointing feature of the Amazon Rewards Visa, though, is its stingy sign-up bonus, which is well below average for a cash back card. New cardholders automatically earn a $50 gift certificate after they’re approved – which could go relatively far if you use it on deeply discounted products. However, most cash back cards give new cardholders a head start of at least $100 or more.

A better APR than most

Like most rewards credit cards, the APR on the Amazon Rewards Visa is also relatively high and so it’s not a good choice for carrying a large balance. However, if you only plan to carry a small balance occasionally, this card is more affordable than most. It offers a minimum variable APR of 14.24 percent, which is well below average for a rewards card. Meanwhile, its highest variable APR of 22.24 percent is also lower than many competitors.

Easy to redeem

In addition to being a good value for fans, the Amazon Rewards Visa also wins points for user-friendliness. Rewards never expire and there’s no limit on the amount of cash back you can earn.  Amazon rewards are also easy to redeem if you use them on Amazon purchases. If your card is synched with your account, you can instantly use your earnings to pay for Amazon purchases. This could significantly stretch your rewards dollars further if you use them to buy heavily discounted products. You can also redeem your earnings for cash back, gift cards or travel if you log onto However, Chase restricts how little you can redeem at a time if you redeem your cash back through

Why get the Amazon Rewards Visa card?

  • You frequently use to stock up on books, household supplies or other merchandise.
  • You plan to make a large purchase on and want a bigger rewards bonus.
  • You care more about long-term benefit than a short-term sign-up bonus.

How to use the Amazon Rewards Visa card:

  • Synch your card to your account and use your card for all your purchases.
  • Use to stock up on pricey household staples, such as textbooks, clothing, diapers, baby food, electronics, furniture and more.
  • Pay off your card in full each month to avoid paying interest.

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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.

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