Amazon Prime Visa

Earning Rates

Key Benefits

All Benefits

• New cardmember welcome offer: $150-$200 Amazon Gift Card loaded automatically into your Amazon.com account upon approval (no minimum spend) — the gift card appears in your Amazon balance within minutes of approval and can be applied to a purchase in the same checkout session, including the purchase that prompted the application
• $0 annual fee on the primary card and on authorized users — note Amazon Prime membership ($14.99/month or $139/year as of 2026) is a separate cost required to unlock the 5% earn tier at Amazon; without Prime, the card auto-converts to the Amazon Visa variant earning 3% at Amazon instead of 5%
• 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and Amazon Pharmacy purchases when you have an active eligible paid Prime membership — no annual cap on the 5% category (unlike the Amazon Business Prime Amex which caps 5% at $120K/year, the consumer Amazon Prime Visa has no published earning cap)
• 5% back on travel purchased through the Chase Travel portal — flights, hotels, car rentals, activities, and cruises booked at chase.com/travel earn 5% with no activation required and no annual cap (this matches the Chase Freedom Flex and Freedom Unlimited Chase Travel rate)
• 2% back at restaurants (including takeout and eligible delivery services), gas stations, and drugstores — no annual cap on the 2% categories; merchant category code-based, so most Visa-classified restaurants, gas stations, and stand-alone drugstores qualify
• 1% back on all other purchases that do not fall into a 5% or 2% category, with no spending caps or activation requirements
• Rewards are earned as Amazon Reward Points at 1 point = $0.01 (1% base value) and can be redeemed at checkout on Amazon.com for any eligible Amazon purchase (apply any whole-dollar amount of points toward an order, including taxes and shipping), as statement credit applied to the card balance, as a deposit toward eligible gift cards in the Amazon points portal, or as travel booked through the Chase Travel portal — all redemption pathways are 1 cent per point with no premium or penalty rates
• Earn-and-redeem at the same Amazon checkout: rewards earned on the card post to your Amazon Reward Points balance within 1-2 business days of statement close and can be applied to any subsequent Amazon order via the 'Use Reward Points' toggle on the Amazon checkout page (no need to log into Chase to manually redeem)
• Amazon Pharmacy 5% earn tier: prescription drug purchases through Amazon Pharmacy (RxPass subscriptions, individual fills, and Prime Rx telehealth visits) earn 5% back — meaningful for households with recurring maintenance medications, since Amazon Pharmacy frequently undercuts retail pharmacy cash prices and the 5% back stacks on top
• Whole Foods Market 5% earn tier: applies to in-store Whole Foods purchases when paid with the card AND to Whole Foods grocery delivery via Amazon.com — covers most household grocery spend for Prime members who consolidate grocery to Whole Foods (typically $4,000-$15,000/year for a family of four, returning $200-$750/year in 5% back)
• No foreign transaction fees on purchases made outside the United States (verified per Chase pricing and terms and TPG/UpgradedPoints reviews) — relatively unusual for a $0 annual fee co-brand card and makes this card a reasonable secondary travel card for Prime members who already carry a separate primary travel card
• Visa Signature trip cancellation and interruption insurance: reimbursement for pre-paid, non-refundable travel expenses (passenger fares, tours, hotels) when a trip is canceled or cut short by sickness, severe weather, or other covered situations — up to $1,500 per covered traveler and $6,000 per trip (terms align with the standard Visa Signature benefit guide, lower than the Sapphire Preferred limits of $10,000/$20,000)
• Visa Signature baggage delay insurance: reimbursement for essential personal items (toiletries, clothing) when checked baggage is delayed more than 6 hours by a common carrier, typically up to $100 per day for 3-5 days (verify current Visa Signature benefit guide as Visa periodically refreshes co-brand benefit packages)
• Visa Signature lost luggage reimbursement: coverage for checked or carry-on bags lost or damaged by a common carrier, typically up to $3,000 per trip when the entire trip is paid for with the Amazon Prime Visa (terms apply per Visa Signature benefit guide)
• Purchase Protection: covers eligible new purchases for 120 days from date of purchase against damage or theft, up to $500 per claim and up to $50,000 per account per calendar year (standard Visa Signature consumer protection tier; New York residents have a 90-day coverage window per state-specific disclosures)
• Extended Warranty Protection: extends the time period of the U.S. manufacturer's warranty by an additional year on eligible warranties of three years or less (useful for Amazon electronics purchases such as Echo devices, Fire TV, Kindle, Ring, Blink, and third-party electronics where the card adds a no-cost extra year)
• Auto Rental Collision Damage Waiver: secondary collision damage waiver in the United States and primary CDW abroad when you decline the rental company's collision insurance and charge the entire rental cost to the card (standard Visa Signature consumer tier)
• Travel and Emergency Assistance Services: 24/7 access to legal and medical referrals and other travel and emergency assistance services while traveling away from home (the cardholder is responsible for the cost of any goods or services obtained from third-party providers; the referral/coordination service is complimentary)
• Roadside Dispatch: pay-per-use roadside assistance service available 24/7 — services such as towing, tire changes, jump starts, lockout service, and fuel delivery are billed to the cardholder at a flat per-service fee; the dispatch service itself is complimentary
• Variable purchase APR currently in the range of approximately 19.49% to 28.24% (adjusts with the Prime Rate; verify current pricing and terms at application as Chase updates the Schumer box quarterly); cash advance APR is significantly higher and interest accrues from the day of the transaction with no grace period
• Balance transfer fee: $5 or 5% of each transfer (whichever is greater); cash advance fee: $10 or 5% of each cash advance, whichever is greater; late payment fee up to $40; foreign transaction fee $0
• 24/7 Chase fraud monitoring with text, email, and call alerts on suspected fraudulent activity; Zero Liability Protection on unauthorized charges (does not apply to use by an authorized user); mobile wallet support (Apple Pay, Google Pay, Samsung Pay) and contactless tap-to-pay on the physical card
• 5/24 rule applies on the application: Chase will typically decline applicants who have opened five or more credit cards across all issuers in the prior 24 months — including this Amazon-cobranded card — regardless of credit score or income (well-documented Chase underwriting rule; co-brand cards still count toward 5/24)
• Prime-membership-gated 5% earn tier: if your Amazon Prime membership lapses or you cancel, the card auto-converts to the Amazon Visa variant earning 3% at Amazon instead of 5% — the conversion happens automatically with no new application, and Chase notifies you of the change via mail and Amazon account messages
• Best-fit use case: Prime households spending $4,000+/year at Amazon, Whole Foods, Amazon Fresh, or Amazon Pharmacy return $200+/year in 5% back (covers the $139 Prime membership cost), with effectively no annual fee — among the highest-return $0 AF cards in the Amazon ecosystem
• Not Offered: no transferable points — Amazon Reward Points redeem ONLY as Amazon checkout credit, statement credit, gift cards, or Chase Travel portal bookings at 1 cent per point; no airline or hotel transfer partners, no Ultimate Rewards points (unlike Sapphire Preferred / Sapphire Reserve / Ink Preferred), no World of Hyatt / United / Southwest / Marriott / IHG transfers despite being a Chase-issued card
• Not Offered: no Priority Pass, no Sapphire Lounge access, no Chase Sapphire Lounge by The Club access, no airline lounge access of any kind (all reserved for premium Sapphire and Ink products)
• Not Offered: no Global Entry / TSA PreCheck / NEXUS application fee statement credit (the $100 credit is standard on Sapphire Reserve, Ink Business Preferred has a different statement credit structure, but this $0 AF Amazon co-brand does not include the trusted-traveler credit)
• Not Offered: no annual travel credit, no DoorDash / Lyft / Instacart promotional benefits, no annual statement credits, no elite hotel status, no cell phone protection insurance (cell phone protection is offered on Chase Freedom Flex, Chase Ink Business Preferred, U.S. Bank Cash+, and Wells Fargo Active Cash — but NOT on this Amazon-cobranded Visa)
• Not Offered: no trip delay reimbursement and no travel accident insurance (Chase does not list these on the Amazon Prime Visa Signature benefit guide; they are reserved for Sapphire Preferred at $500/traveler trip delay coverage and Sapphire Reserve at $500/traveler with broader coverage parameters)