If you’re an Amazon Prime member looking to maximize your shopping rewards, the Amazon Prime Rewards Visa Signature Card offers a compelling suite of benefits.
Issued by Chase Bank, this card provides generous cashback on Amazon purchases, travel protections, and no annual or foreign transaction fees.
Here’s a comprehensive guide on how to apply, what to expect, and how to manage your account.
What Is the Amazon Prime Rewards Visa Signature Card?
The Prime Visa is a co-branded credit card from Amazon and Chase, designed exclusively for Amazon Prime members.
It offers high cashback rates on Amazon and Whole Foods purchases, along with additional perks for everyday spending.
Key Features:
- Welcome Bonus: Receive a $100 Amazon Gift Card instantly upon approval, loaded directly into your Amazon account.
- Cashback Rewards: 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases. 2% back at restaurants, gas stations, and on local transit and commuting (including rideshare). 1% back on all other purchases.
- Prime Card Bonus: Eligible Prime cardmembers can earn 10% back or more on a rotating selection of items and categories on Amazon.com.
- No Annual Fee: Enjoy all the benefits without an annual credit card fee.
- No Foreign Transaction Fees: Use your card internationally without additional charges.
- Travel and Purchase Protections: Includes extended warranty protection, purchase protection, baggage delay insurance, travel accident insurance, and lost luggage reimbursement.
How to Apply for the Prime Visa
If you want the card, look for these moves:
Step 1: Ensure Prime Membership
Only Amazon Prime members are eligible for the Prime Visa. If you’re not a member, you can sign up for a Prime subscription before applying.
Step 2: Apply Online
Visit the Prime Visa application page on Amazon’s website.
need to provide personal information, including your name, address, Social Security number, income, and employment details.
Step 3: Instant Decision
In many cases, applicants receive an instant decision. If approved, the $100 Amazon gift card will be added immediately to your Amazon account.
Step 4: Receive and Activate Your Card
Your physical card will arrive by mail within 7–10 business days. Once received, activate it by following the instructions provided.
Interest Rates and Fees
Understanding the card’s interest rates and fees is crucial for responsible credit management.
- APR (Annual Percentage Rate): Variable APR ranging from 19.49% to 28.24%, depending on your creditworthiness.
- Penalty APR: Up to 29.99% if you make a late payment or your payment is returned.
- Balance Transfer Fee: Either $5 or 4% of the amount of each transfer, whichever is greater.
- Cash Advance APR: 29.24% variable.
- Foreign Transaction Fee: None.
Note: There’s no introductory 0% APR period, so interest accrues immediately on unpaid balances.
Managing Your Prime Visa Account
You can manage your account through Chase’s online portal or by linking your Amazon and Chase accounts to manage your Amazon Visa directly on Amazon.
This allows you to view your balance, pay bills, and access transactions.
Payment Address
To make payments by mail, send a check or money order to: Cardmember Services
P.O. Box 6294 Carol Stream, IL 60197-6294.
For overnight payments: Chase Card Services 201 N. Walnut Street De1-0153 Wilmington, DE 1980.
Strategies To Use This Card
Using the Amazon Prime Rewards Visa Signature Card strategically starts with focusing your purchases where the card offers the highest cashback
Those are Amazon.com, Whole Foods Market, and Chase Travel.
If you’re already a Prime member and shop frequently on Amazon, channeling those purchases through this card allows you to earn 5% back consistently.
This is especially useful for recurring expenses like household supplies, electronics, and even groceries from Whole Foods, turning everyday spending into cashback.
Optimize Rewards Beyond Amazon
Consider using the card at gas stations, restaurants, and for commuting expenses like rideshare or transit passes, where it earns 2%.
These categories often align with regular spending patterns, making them a smart way to accumulate additional cashback without changing your routine.
When traveling abroad, the lack of foreign transaction fees makes this card ideal for booking hotels, flights, or purchases while overseas without extra charges.
Bonus Categories
Another smart move is to monitor Amazon’s rotating bonus categories. Prime cardholders sometimes get 10% or more on select items.
These limited-time offers can maximize your cashback, especially around major sales events like Prime Day or Black Friday.
Managing Payments
Paying the full balance each month is essential to avoid the high variable APR.
Since the card doesn’t offer a 0% introductory period, carrying a balance can quickly negate any cashback earned.
Linking your card to your Amazon account simplifies the checkout process and allows you to use your rewards as statement credits or to pay directly for purchases.
Comparison With Other Amazon Cards
Here’s a comparison of the Amazon Prime Rewards Visa Signature Card with other major Amazon-branded credit cards.
This helps you decide which one best fits your spending habits and Prime membership status:
| Card Type | Prime Needed? | Amazon Cashback | Whole Foods Cashback | Use Outside Amazon | Best For |
| Prime Visa | ✅ | 5% | 5% | ✅ | Prime users who shop often |
| Rewards Visa | ❌ | 3% | 3% | ✅ | Occasional Amazon shoppers |
| Prime Store Card | ✅ | 5% | ❌ | ❌ | Amazon-only users with Prime |
| Store Card | ❌ | ❌ | ❌ | ❌ | Budget buyers using Amazon financing |
| Secured Card | Optional | Up to 2% | ❌ | ❌ | Credit-building with Amazon access |
Contact Information
For any questions or assistance regarding your Prime Visa:
- Customer Service Phone: 1-888-247-4080 (24/7)
- International Phone: 302-594-8200
- Mailing Address for Inquiries: Card Services P.O. Box 15298 Wilmington, DE 19850
Conclusion
The Amazon Prime Rewards Visa Signature Card is an excellent choice for frequent Amazon shoppers and Prime members.
With robust cashback rewards, travel and purchase protections, and no annual or foreign transaction fees, it offers significant value.
However, it’s essential to manage your account responsibly to avoid high-interest charges.
Disclaimer: This article is for informational purposes only and does not constitute financial advice. Interest rates, fees, and terms are subject to change. Always refer to the official Chase Prime Visa site for information.
