The Amazon Prime Rewards Visa Signature Card is designed for Prime members who frequently shop at Amazon and Whole Foods Market.
It offers generous cashback rates, no annual fee, and extra perks that make everyday spending more rewarding.
This guide explains how to apply, what benefits to expect, and key details about rates, fees, and eligibility.
What is the Prime Rewards Visa Signature Card?
The Prime Rewards Visa Signature Card is a credit card created for Amazon Prime members who want to earn rewards on everyday spending.
Issued by JPMorgan Chase Bank, N.A., it combines Amazon’s shopping perks with Chase’s trusted card services. Here’s a quick overview of what defines this card:
- Issuer: JPMorgan Chase Bank in partnership with Amazon.
- Target users: Active Amazon Prime members in the U.S. with good to excellent credit scores.
- Main reward: Up to 5% cash back on purchases at Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel.
- Other rewards: 2% back at gas stations, restaurants, and on local transit or commuting; 1% back on everything else.
- Annual fee: $0, but you must maintain an active Prime membership to keep the 5% rate.
- Additional perks: No foreign transaction fees, extended warranty, and purchase protection through Visa Signature benefits.
- Availability: You can apply online via Amazon or Chase’s website and link the card directly to your Amazon account.
Key Benefits & Rewards
The Amazon Prime Rewards Visa Signature Card gives strong cashback and travel perks for frequent Amazon and Whole Foods users.
With no annual fee and tiered rewards, it helps you save on daily purchases. Here are its main benefits:
- High rewards rate: Earn 5% back at Amazon, Whole Foods, Amazon Fresh, and Chase Travel with a Prime membership.
- Extra categories: Get 2% back at gas stations, restaurants, and on transit or rideshares.
- All other spending: Earn 1% back on every other purchase.
- No annual fee: Enjoy benefits with $0 yearly cost (Prime required for 5%).
- No foreign fees: Use your card abroad without added charges.
- Visa Signature perks: Includes warranty, purchase, and travel protections.
- Flexible redemption: Use rewards at Amazon checkout or for travel, gift cards, or credits via Chase.
How to Apply – Step by Step
Applying for the Amazon Prime Rewards Visa Signature Card is quick and entirely online.
Before you begin, ensure you meet the requirements and have your details ready. Follow these simple steps to finish your application:
- Check your eligibility – Confirm that you’re a U.S. resident with an active Amazon Prime membership and a good to excellent credit score.
- Gather your information – Prepare your Social Security number (or ITIN), annual income, employment status, and housing details for verification.
- Submit your application online – Visit Amazon’s official card page or Chase’s website, log in to your Amazon account, and click “Apply Now.”
- Wait for approval and activate your card – Most applications get instant approval. After that, activate your card through Chase or Amazon.
- Link and start using your card – Add it to your Amazon account to set it as your default and earn up to 5% back on purchases.
Rates & Fees
Knowing the rates and fees of this card helps you spend wisely and avoid extra costs.
While it offers great cashback perks, you should also understand the possible charges for late payments or balances. Here’s a quick overview of the key rates and fees:
- Purchase APR: Variable rate ranging from 19.24% to 27.99%, depending on your creditworthiness.
- Cash Advance APR: Around 29.24% variable, applied when withdrawing cash from your credit line.
- Annual Fee: $0, though an active Amazon Prime membership is required to access the 5% rewards rate.
- Foreign Transaction Fee: $0, allowing you to use the card abroad without extra charges.
- Late Payment Fee: Up to $28 for the first late payment and up to $39 for subsequent ones within six billing cycles.
- Cash Advance Fee: Either $10 or 5% of the amount advanced, whichever is greater.
- Returned Payment Fee: Up to $39 if your bank returns a payment.
Pros & Cons
Understanding the strengths and weaknesses of the Amazon Prime Rewards Visa Signature Card helps you decide if it suits your lifestyle.
Below are the main points with short descriptions:
Pros:
- High Cashback: Earn 5% back at Amazon.com, Whole Foods Market, and Amazon Fresh with an active Prime membership.
- No Annual Fee: Enjoy all benefits without paying a yearly card fee.
- No Foreign Transaction Fees: Use your card abroad without extra costs.
- Simple Redemption: Redeem rewards at Amazon checkout, for statement credit, or through Chase Travel.
- Added Protections: Includes Visa Signature perks such as purchase protection and extended warranty.
Cons:
- Prime Requirement: Must maintain a paid Prime membership to keep the 5% cashback rate.
- High APR: A Variable interest rate (around 19.24%–27.99%) can make carrying a balance costly.
- Limited Value Outside Amazon: Lower reward rates (1%) on non-Amazon purchases.
- Prime Cost Factor: Annual Prime membership fee offsets part of the savings for light users.
- Credit Dependence: Requires good to excellent credit for approval and the best terms.
Compare With Other Amazon Cards
Amazon offers several credit cards, each suited to different shopping habits. Here’s a quick comparison to help you choose the right one:
- Amazon Prime Rewards Visa Signature Card:
Earn 5% back at Amazon, Fresh, Whole Foods, and Chase Travel with Prime, 2% on gas, dining, and transit, and 1% elsewhere—usable anywhere Visa is accepted.
- Amazon Rewards Visa (Non-Prime):
For non-Prime users, it earns about 3% at Amazon and 2% on gas, dining, and transit. Offers 1% on all other purchases.
- Amazon Prime Store Card:
Issued by Synchrony Bank, works only on Amazon. Earn 5% back with Prime on Amazon and Whole Foods purchases.
- Amazon Store Card (Non-Prime):
Also from Synchrony Bank, no 5% benefit. Best for special financing on Amazon purchases, not everyday spending.
Contact & Customer Service Information
Managing your Amazon Prime Rewards Visa Signature Card is easy through multiple verified support channels.
Below are the key contact options and what each one is for:
- Phone Support (1-888-247-4080): Call 24 hours a day, 7 days a week, for help with billing, rewards, or account inquiries.
- Secure Message (via Chase.com): Log in to your Chase account and send a message through the “Contact Us” section for non-urgent questions or document requests.
- Mailing Address (P.O. Box 6294, Carol Stream, IL 60197-6294): Send written correspondence, payments, or disputes directly to Chase’s Cardmember Services.
- Online Account Management: Visit chase.com/amazon to check balances, track rewards, or update personal information securely.
Final Takeaway
The Amazon Prime Rewards Visa Signature Card is ideal for Amazon and Whole Foods shoppers who want high cashback with no annual fee.
With generous rewards, no foreign transaction fees, and easy redemption options, it offers practical value for everyday spending.
Apply online today through Amazon or Chase to start earning up to 5% back on your purchases and make every transaction more rewarding.
Disclaimer
This article is for informational purposes only and does not constitute financial advice.
Always review the latest terms directly on Amazon’s and Chase’s websites before applying for the Amazon Prime Rewards Visa Signature Card.
