Prime Visa Card Overview
Amazon’s Premium visa (See Rates & Fees) is a steady stream of income with bonus rewards on Amazon shopping, Chase Travel℠, gas, dining, and commuting. This makes it a strong contender for those who spend big bucks on Amazon and its affiliated brands. Card Rating*: ⭐⭐⭐½
*Card ratings are based on the opinions of TPG editors and are not influenced by card issuers.
Most of the time, when a cashier (or an online pop-up) asks you if you want to apply for a store credit at checkout, we recommend saying “no thank you.” The discounts you get on purchases are rarely as valuable as the welcome bonuses other cards offer, and the earnings structure on most store cards is disappointing.
But there are some exceptions to this rule, and Premium visa It’s one of them.
If you spend a large chunk of your budget on Amazon or Whole Foods and want the best bang for your buck with no annual fee, the Prime Visa is worth considering.
We recommend applicants have a credit score of 670 or above to increase their chances of approval. While the card itself has no annual fee, you’ll still need a paid Prime membership to qualify.
Although it offers great rewards, it’s not for everyone. Here’s what you need to know to decide whether the Prime Visa is worth a spot in your wallet.
Prime Visa Pros and Cons
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Prime Visa Welcome Offer
Currently, for a limited time, Premium visa Get a $250 Amazon gift card instantly upon approval, exclusive to Prime members.
That’s a nice welcome bonus when you consider it’s a no-annual-fee card – especially since it’s delivered immediately upon approval, with no spending requirements. That matches the best bonus we’ve seen on this card, which is only being offered once this July for a week.
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While this card has no annual fee, you need to be a Prime member to get the Prime Visa. Since this is a Chase card, you need to follow Chase’s 5/24 rule to increase your chances of getting approved.
Related: The Best Credit Cards for Amazon Shopping
Priority visa benefits
We don’t usually expect a lot of benefits from a no-annual-fee card, but Premium visa There are some surprising perks.
As a cardholder, you will enjoy the following protections:
Additionally, Prime Visa charges no foreign transaction fees, which is a huge plus for a card with no annual fee.
We seem to hear horror stories about people losing their luggage every day, so in addition to the added bonus of buying Apple AirTags through Amazon, having luggage protection is a huge benefit.
Finally, cardholders often get early access to deals during Prime Day and can earn even more rewards during these sales events.
Earn cash back with Prime Visa
this Premium visa The following categories are eligible for 5% rebate:
- amazon.com
- Amazon Fresh
- whole foods market
- Travel booked through Chase Travel
It also earns 2% in the following categories:
Finally, cardholders can earn 10% or more back by rotating their selection of products and categories on Amazon.
All other purchases receive 1% back.
No other card consistently offers such high rewards on Amazon purchases, so this revenue structure is perfect for those who spend the bulk of their budget on Amazon and Whole Foods.
If you only want to use one card, the extra 2% back category is a great option for everyday purchases.
However, you can get higher earn rates on gas, restaurants, and other everyday spending categories with other cards, so the Prime Visa works best as part of a larger card strategy.
Related: The Best Rewards Credit Cards for Every Bonus Category
Redeem cash back on Prime Visa
One of the best qualities of the Prime Visa is the ease of redeeming rewards. You’ll see your rewards on the Amazon checkout screen and can use them to pay for some or all of your purchases on Amazon.com.
Alternatively, you can redeem your rewards for cash back, gift cards, or travel with Chase Travel.
Other cards allow you to use rewards to pay for Amazon purchases, but the redemption value of the rewards you get is typically lower than what the Prime Visa can offer.
For example, Chase Ultimate Rewards points are worth 2.05 cents each, but if you use them to shop on Amazon.com, you’ll earn less than 1 cent, according to TPG’s November 2025 valuation.
On the other hand, whether you use Prime Visa rewards to make Amazon purchases, get cash back, or book travel through Chase Travel, the value is the same.
Related: How to get the most value from Chase Ultimate Rewards
Which cards compete with Prime Visa?
If you don’t have a Prime membership or don’t have a lot of budget to spend on Amazon or Whole Foods, one of the following cards might be a better choice for you:
For other options, see our best cash back credit cards and best store credit cards lists.
Related: Store Credit Cards vs. Cash Back Credit Cards: Which One Should I Get?
Is the Prime Visa worth it?
If you already have a Prime membership and want to earn cash back rewards, Premium visa is a great card to start using or add to your existing portfolio. However, if you don’t have a Prime membership or are focused on earning travel rewards, you may get more value from other cards.
bottom line
this Premium visa If you prefer cash back to complicated travel rewards, this is a great option. It earns an unmatched 5% cash back on Amazon and Whole Foods Market, with easy redemption options and no annual fee.
The welcome offer of an instant $250 Amazon gift card makes the card even more attractive, especially with the holidays right around the corner.
But if you plan on using points and miles on your next big trip, you’ll want to get a card that earns travel rewards on Amazon purchases.
No matter which route you choose, you can’t go wrong as long as you click “Buy Now” on Amazon to get rewards.
Apply here: Premium visa
For rates and fees on the American Express Blue Cash Everyday Card, click here.
