Prime Visa card overview
Amazon’s Prime Visa (see rates and fees) is a strong earner, with bonus rewards on Amazon purchases, Chase Journey℠, fuel, eating and commuting. That makes it a powerful contender for individuals who spend massive with Amazon and its manufacturers. Card score*: ⭐⭐⭐½
*Card rating relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
More often than not, we advocate saying “no thanks” when a cashier (or on-line pop-up) asks if you wish to apply for a retailer bank card at checkout. The low cost you will get in your buy is never as helpful because the welcome bonuses different playing cards supply, and most retailer playing cards have disappointing incomes constructions.
However there are a couple of exceptions to that rule, and the Prime Visa is certainly one of them.
The Prime Visa is value contemplating in case you spend a number of your finances at Amazon or Entire Meals and need the most effective incomes charge for these purchases. It earns 5% again on Amazon and Entire Meals purchases, a considerable return for a card with no annual payment.
We advocate candidates have a credit score of 670 or above to extend their possibilities of approval. Remember the fact that you will want an eligible Prime membership to get this card.
Simply because it provides respectable reward charges does not imply that is the most effective card for everybody. This is what you should know to resolve if the Prime Visa deserves a spot in your pockets.
Prime Visa professionals and cons
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Prime Visa welcome supply
Presently, the Prime Visa provides a $150 Amazon present card immediately upon approval, solely for Prime members. That is the usual supply for this card, so we advocate ready for a better supply earlier than making use of.
When you think about that this can be a no-annual-fee card, that is a very good welcome bonus — particularly since you will obtain the e-gift card immediately upon approval as a substitute of getting to fulfill a spending requirement to earn it.
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You do want a Prime membership to get the Prime Visa. Since this can be a Chase card, you will wish to be underneath 5/24 to extend your possibilities of approval.
Associated: The best credit cards for Amazon purchases
Prime Visa advantages
We normally do not count on many advantages from a card with out an annual payment, however the Prime Visa has some stunning perks.
As a cardholder, you will take pleasure in the next protections:
Moreover, the Prime Visa would not cost overseas transaction charges.
It looks like we hear a brand new horror story of somebody’s misplaced baggage day-after-day, so having baggage safety on high of incomes bonus rewards in your Apple AirTags buy by means of Amazon is a superb profit.
With this card, you will additionally take pleasure in 10% again on a rotating number of gadgets and classes. Lastly, cardholders normally get entry to early offers throughout Prime Day and might earn boosted rewards throughout these gross sales occasions.
Associated: What to do when an airline loses your luggage
Incomes money again on the Prime Visa
The Prime Visa earns 5% again on the next classes:
It additionally earns 2% again in these classes:
- Fuel stations
- Eating places
- Native transit and commuting (together with ride-hailing providers)
You will earn 1% again on all different purchases.
No different card constantly provides this excessive of a return on Amazon purchases, so this incomes construction is superb for anybody who spends a big portion of their finances at Amazon and Entire Meals. If you wish to stick with only one card, the extra 2% again classes are respectable for on a regular basis spending.
Nonetheless, you may get larger incomes charges on gas stations, restaurants, commuting and general purchases with different playing cards, so the Prime Visa works finest as only one half of a bigger card technique.
Associated: The best rewards credit cards for each bonus category
Redeeming money again on the Prime Visa
One of many Prime Visa’s finest qualities is the benefit of redeeming rewards. You will see your rewards in your Amazon checkout display screen and might use them to pay for half or your whole purchases at Amazon.com.
Alternatively, you may redeem your rewards for cash back, present playing cards or journey by means of Chase Journey. Regardless of which redemption possibility you select, you will get a value of 1 cent per level.
Different playing cards help you use your rewards to pay to your Amazon purchases, however we solely advocate this route when you’ve got the Prime Visa.
As an illustration, Chase Final Rewards factors are value 2.05 cents apiece in response to TPG’s Could 2025 valuations, however you will get lower than 1 cent per level in case you use these factors to pay for a purchase order on Amazon.com.
Then again, your Prime Visa rewards are value the identical one cent every, whether or not you utilize them to cowl an Amazon buy, get money again or e-book journey by means of Chase Journey.
Associated: How to get maximum value from your Chase Ultimate Rewards
Which playing cards compete with the Prime Visa?
If you do not have a Prime membership or do not spend a lot of your finances at Amazon or Entire Meals, certainly one of these playing cards could also be a more sensible choice for you:
For extra choices, see our record of best cash-back credit cards and best store credit cards.
Associated: Store vs. cash-back credit cards: Which one should I get?
Is the Prime Visa value it?
If you have already got a Prime membership and wish to earn cash-back rewards, the Prime Visa is an effective card to begin with or add to your present portfolio. Nonetheless, if you do not have a Prime membership or are targeted on incomes travel rewards, you will most likely get extra worth from a special card.
Backside line
With an unbeatable 5% return on Amazon and Entire Meals purchases and a easy redemption system, the Prime Visa is nice for individuals who choose the benefit of utilizing a no-annual-fee bank card that earns money again over incomes extra complicated journey rewards.
However in case you plan to make use of factors and miles to your subsequent massive journey, you will wish to use a card that earns journey rewards in your Amazon purchases as a substitute. Regardless of which route you select, you may’t go fallacious with a card that earns rewards each time you click on “Purchase now” on Amazon.
Apply right here: Prime Visa
For charges and costs of the Blue Money On a regular basis Card from American Categorical, click on here.
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