Key facts
This card is for you if you have an Amazon Prime membership and spend a lot on Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with 5% cash back on all of these categories.
(Your Best Credit Cards earns a commission from Amazon if you sign up for Amazon Prime via our link)
Annual Fee:
$0Min. Credit Score for Approval:
670-739 * GoodOngoing APR:
19.49%-27.49% VariableBalance transfer fees
Either $5 or 4% of the amount of each transfer, whichever is greater.Foreign Transaction Fee:
0%Reward multipliers
Amazon Prime members receive:
- Earn an unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership.
- Earn an unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare).
- Earn an unlimited 1% back on all other purchases.
Earns bonus points for spend in the following bonus categories:
Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership
Estimated Rewards Value: 5%
Earn 5% cash back on travel booked through Chase Travel only; otherwise earn 1% cash back
Estimated Rewards Value: 5%
Earn 5% cash back on travel booked through Chase Travel only; otherwise earn 1% cash back
Estimated Rewards Value: 5%
Earn 5% cash back on travel booked through Chase Travel only; otherwise earn 1% cash back
Estimated Rewards Value: 5%
Estimated Rewards Value: 2%
Estimated Rewards Value: 2%
Estimated Rewards Value: 1%
Key features
Unique Card Benefits
Prime Card Bonus
Earn 10% back or more on a rotating selection of products and categories at Amazon.com
Redeem your cash back directly at Amazon
Redeem your points as soon as the next day with daily rewards. You can redeem directly at checkout.
You can also redeem for cash back, gift cards, and travel at Chase.com.
Extended Warranty
This benefit extends the time period of the manufacturer’s U.S. warranty by an additional year on eligible warranties of three years or less.
It’s an essential card benefit to look for when you are choosing a card to use for shopping!
Purchase Protection
A less common but very powerful card benefit, Purchase Protection covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Trip Protections
Baggage Delay Insurance
Airlines lose (or almost lose!) luggage. It happens!
Baggage delay insurance reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days
Lost Luggage Reimbursement
With this additional luggage benefit, if you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you’re covered up to $3,000 per passenger
Travel Accident Insurance
Secondary Car Rental CDW Waiver
Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.
(If you need primary coverage, we have 17 credit cards with primary car rental CDW/LDW.)
No Foreign Transaction Fees
You won’t pay any foreign transaction fees when shopping abroad.
Earn more rewards by combining credit cards
Pros & cons
- Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership
- Offers extended warranty and purchase protection - great benefits for a shopping card
- No Foreign Transaction Fees
- This card is pure cash back - you don't earn transferable points.
- This wouldn't be an ideal card for someone without a Prime membership
Our review
As much as we love rewards credit cards with transferable bank points, for heavy Amazon or Whole Foods shoppers, it’s hard to deny that 5% cash back on all of these purchases with the Prime Visa (as long as you have an eligible Amazon Prime membership!) is pretty awesome.
I know some people that do absolutely all of their grocery shopping at Whole Foods and as much shopping as possible at Amazon. If this is you, the Prime Visa credit card is probably a no brainer, especially with no annual fee, no foreign transaction fees, and a wide range of consumer protections like extended warranty, purchase protection (which covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account) and trip protections, although note that the trip protections aren’t nearly as rich as on many travel specific credit cards.
As a reminder, you’ll earn an unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership and an unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare).
You’ll earn ah unlimited 1% back on all other purchases, so you may want to combo this card with a card that earns 2% back on categories not bonused on this card.
Frequently asked questions
What is the best card for shopping on Amazon?
Thee Prime Visa is impossible to beat on Amazon purchases if you are looking fora cash back rewards credit card
What is the best card for shopping at Whole Foods?
If you want cash back on a no annual fee credit card, the Prime Visa is hard to beat.
However, if you value transferable bank points, you may want to look into the best credit cards for groceries / supermarkets or jump right to our favorite – the American Express® Gold Card
Do you need an Amazon Prime account to take advantage of the Prime Visa credit card?
You do. You won’t get the bonus multipliers on this card if you do not have a current Amazon Prime account.
Does the Prime Visa have extended warranty?
It sure does! This benefit extends the time period of the manufacturer’s U.S. warranty by an additional year on eligible warranties of three years or less.
Does the Prime Visa have Purchase Protection?
Yes, this somewhat rare benefit is a feature of the Prime Visa.
Purchase Protection covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
What credit score do you need for the Prime Visa
We estimate that you’ll need at least a Good credit score for the best approval odds on t his card – meaning about a 670 FICO or better.