In peak retail and travel seasons, the Amazon Prime Rewards Visa Signature Credit Card delivers clear value for active Prime members.
The card earns strong cash-back rates at Amazon, Whole Foods Market, and through Chase Travel, while avoiding an annual fee and foreign transaction fees.
Application runs through Chase, approval may be instant, and account management lives in both Chase Online and Amazon for convenience.
What the Amazon Prime Rewards Visa Signature Credit Card Is
The Prime Visa is a co-branded card issued by Chase for Amazon Prime members and works anywhere Visa is accepted. Rewards include 5 percent back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases, 2 percent back at restaurants, gas stations, and local transit or commuting, and 1 percent back on all other purchases.
A rotating Prime Card Bonus occasionally lifts select Amazon items to 10 percent or more, particularly around sale events. No annual credit card fee and no foreign transaction fees apply to the card.
Prime membership is required to open or keep this specific version active. Current U.S. Prime pricing sits at 14.99 dollars monthly or 139 dollars annually, with discounted tiers for students and qualifying assistance programs.
How to Apply
Most applicants complete the process online in minutes. Preparation helps because Chase may deliver an instant decision and immediately load any approved gift card to your Amazon balance.
Prime Visa application requirements include current Prime status, personal details, and consent to a credit check handled by Chase.
- Confirm Prime membership. Active Prime is required for the Prime Visa; non-Prime shoppers can consider the Amazon Visa instead.
- Apply on Amazon. Use the Prime Visa application page, then provide legal name, address, Social Security number or national equivalent, income, and employment details.
- Receive the decision. Many applicants see an instant outcome; approved accounts receive the Amazon Gift Card immediately in their Amazon balance. The limited-time welcome may be higher around retail holidays.
- Activate the physical card. Expect delivery in roughly 7 to 10 business days; activation instructions are provided by Chase.
Interest Rates, Fees, and Financing Options
Chase lists variable APRs tied to the U.S. Prime Rate.
As of September 30, 2025, purchase and balance transfer APRs equal Prime plus 10.99 percent to 20.74 percent, capped at 29.99 percent; cash advances run at Prime plus 21.74 percent; penalty APR may apply up to 29.99 percent.
Equal monthly payments appear on eligible Amazon purchases when offered, allowing a promotional 0 percent APR for stated terms as an alternative to earning rewards on those transactions. Availability and terms display at checkout on qualifying items.
Managing Your Account
Account management sits inside Chase Online and can also be linked for streamlined control on Amazon. Linking enables balance views, bill payments, and transaction history within your Amazon profile while retaining full tools in Chase Online for autopay, alerts, and statements.
Mailed payments should use Chase’s published addresses. Standard mail: Cardmember Services, P.O. Box 6294, Carol Stream, IL 60197-6294. Overnight mail: Chase Card Services, 201 N. Walnut Street, DE1-0153, Wilmington, DE 19801.
For service, call 1-888-247-4080 in the U.S. or 1-302-594-8200 internationally. These lines route to Chase for Prime Visa and Amazon Visa questions.
What Actually Protects Purchases and Trips: Benefits
Coverage includes purchase protection, extended warranty, and travel protections typical of Visa Signature programs administered by Chase.
Published benefits for the Prime Visa include baggage delay insurance that reimburses essential items up to 100 dollars per day for up to three days on delays over six hours, along with zero liability for unauthorized charges. Full terms live in the Guide to Benefits referenced on Chase’s site.
Visa Signature Luxury Hotel Collection access generally applies to eligible Visa Signature cards and can provide property-level perks when booked through the designated platform; eligibility and benefits depend on the issuing bank and region.
Smart Ways to Use the Card
Keeping focus on elevated categories prevents diluted returns.
- Regular Amazon, Whole Foods Market, and Chase Travel bookings capture the 5 percent rate and should anchor recurring orders or big seasonal purchases.
- Prime Card Bonus promotions push selected items to higher returns during events such as Prime Day or Black Friday; tracking those banners raises effective yield on planned buys.
- Gas stations, restaurants, and commuting earn 2 percent and align cleanly with weekly habits.
- Those expenses can move onto the Prime Visa when no higher category card applies, creating a consistent baseline of rewards.
- International trips benefit from the no foreign transaction fees card structure; eligible travel spending abroad avoids surcharge while continuing to earn.
- Autopay helps protect rewards by preventing interest charges.
- Carrying a balance quickly erodes cash back, because APRs are variable and can approach the cap under some profiles.
- Setting full-statement autopay inside Chase Online or the Amazon-linked view adds predictability.
Welcome Offers and Approval Guidance
Current limited-time promotions for Prime members often feature an elevated Amazon Gift Card upon approval; during November 2025, Chase advertises 250 dollars for the Prime Visa on the public application page. Offer amounts change, so check the live application details at submission.
Chase handles approval, and decisions weigh income, recent applications, and credit history. Many applicants with a good or better profile succeed, although no issuer guarantees are published.
FICO bands define “good” beginning at 670, but issuers rely on broader data like utilization, payment history, and new credit inquiries. Treat “Prime Visa credit score” as directional rather than a hard cutoff and minimize recent hard pulls before applying.
Prime Visa vs. Other Amazon Cards
Frequent Amazon orders are not the only path, since Amazon and Chase also issue a non-Prime version, and Synchrony issues closed-loop store cards for Amazon.
The table clarifies where each option fits and when open-loop Visa acceptance matters for non-Amazon purchases.
| Card type | Prime needed? | Amazon cashback | Whole Foods cashback | Use outside Amazon | Best for |
| Prime Visa | Yes | 5% | 5% | Yes | Prime members who shop often |
| Amazon Visa | No | 3% | 3% | Yes | Non-Prime shoppers wanting flexibility |
| Prime Store Card | Yes | 5% | 5% (in-store code) | No | Amazon-only spending with Prime |
| Store Card | No | None | None | No | Budget buyers using Amazon financing |
| Secured Card | Optional | Up to 2% | None | No | Credit-building for Amazon access |
Contact Details
Questions about applications, payments, or transactions route to Chase at 1-888-247-4080 or the international line 1-302-594-8200.
Payment by mail goes to Cardmember Services, P.O. Box 6294, Carol Stream, IL 60197-6294; overnight couriers should use Chase Card Services, 201 N.
Walnut Street, DE1-0153, Wilmington, DE 19801. Account linking and online payments are available through Chase Online and Amazon’s linked management pages.
Last Thoughts
Active Prime members who want straightforward returns on Amazon orders, groceries at Whole Foods Market, and eligible travel will find the Prime Visa practical.
Strong everyday categories, no annual credit card fee, and no foreign transaction fees keep costs predictable while protections add confidence for larger purchases. Careful repayment habits matter because interest can offset rewards quickly under variable APRs.
Important: Rates, fees, and welcome offers change without notice. Always confirm the live “Pricing & Terms” and offer details on the application page.
