The Amazon Prime Visa Credit Card, issued by Chase, is a compelling option for frequent Amazon shoppers and Prime members.
It offers substantial cashback rewards, no annual fee, and a suite of travel and purchase protections.
This guide will walk you through the application process, highlight the card’s benefits, discuss interest rates, and provide essential contact information.
Amazon Prime Visa Card Review
The Amazon Prime Visa benefits are designed to maximize rewards for Amazon Prime members. Here’s what cardholders can expect:
- 5% Back: Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership.
- 2% Back: Earn 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare).
- 1% Back: Earn 1% back on all other purchases.
- No Annual Fee: Enjoy all these benefits without an annual credit card fee.
- No Foreign Transaction Fees: Use your card internationally without incurring additional fees.
- Welcome Bonus: Receive a $100 Gift Card instantly upon approval, loaded into your account.
- Additional Perks: Benefit from travel and purchase protections, including extended warranty protection, purchase protection, baggage delay insurance, and more
How to Apply for the Amazon Prime Visa
There are specific requirements and steps to follow:
Eligibility Criteria
You must have an active Amazon account to apply. An eligible Amazon Prime membership is required to access the full suite of benefits.
Applicants must be at least 18 years old with a valid U.S. mailing address (P.O. boxes are not accepted).
A good to excellent credit score (typically 700 or higher) improves approval odds.
How to Apply
The application process is straightforward and can be completed online:
- Visit the Application Page: Go to the Amazon Prime Visa application page, click “Sign In to Apply,” and enter your account ID and password.
- Complete the Application Form: The form is divided into four sections:
- Contact Details: Provide your name, address, phone number, and email.
- Personal Confirmation: Enter your Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) and date of birth.
- Residence & Income: Specify your housing status, monthly housing payment, and total annual income.
- Preferences: Set up your card preferences, such as authorized users and paperless statements.
- Review and Submit: Carefully review the terms and conditions before submitting your application.
Most applicants receive an instant decision. If additional review is needed, you can expect a response within 2 to 4 weeks.
Interest Rates and Fees
Understanding the financial aspects is crucial:
- Regular APR: Variable APR ranging from 19.49% to 28.24%, depending on creditworthiness.
- Cash Advance APR: 29.99% variable.
- Penalty APR: Up to 29.99%, which may apply if you make a late payment.
- Grace Period: 21 days to pay your balance in full before interest accrues on purchases.
- Balance Transfer Fee: 5% of the amount transferred, with a minimum of $5.
- Foreign Transaction Fee: None.
Managing Your Account
Once approved, you can manage your Prime Visa account through Chase’s online portal.
Access your account at Chase Amazon Prime Visa Login.View statements, make payments, track rewards, and set up alerts.
You can also manage your account on the go with the Chase Mobile app.
How Does This Card Compare to Other Amazon Credit Cards?
Here’s how the Amazon Prime Visa Credit Card compares to other Amazon credit cards, mainly the Amazon Visa Card (non-Prime) and the Amazon Store Card.
Amazon Prime Visa vs Amazon Visa (Non-Prime)
If you’re already a Prime member, the Prime Visa offers better value (5% vs 3%). But if you’re not, the non-Prime version is still a decent no-fee cashback card.
| Feature | Amazon Prime Visa | Amazon Visa (Non-Prime) |
| Prime Membership Required | Yes | No |
| Amazon.com & Whole Foods Rewards | 5% back | 3% back |
| Other Rewards | 2% at restaurants, gas stations, transit; 1% everywhere else | Same |
| Welcome Bonus | $100 Amazon Gift Card upon approval | $50 Amazon Gift Card upon approval |
| Annual Fee | None (but Prime costs ~$139/year) | None |
| Foreign Transaction Fee | None | None |
Amazon Prime Visa vs Amazon Store Card
The Store Card is good if you want 5% back but don’t qualify for the Visa version. However, the Prime Visa is more flexible and offers rewards outside Amazon.
| Feature | Amazon Prime Visa | Amazon Store Card |
| Accepted Where | Anywhere Visa is accepted | Only on Amazon.com |
| Amazon.com Rewards with Prime | 5% back | 5% back |
| Other Rewards | 1–2% outside Amazon | None |
| Financing Options | No | Yes (special promotional financing) |
| Credit Type | Traditional credit card | Store charge card |
| Foreign Transaction Fee | None | Not applicable (can’t be used internationally) |
Which Card Should You Choose?
Each has different features depending on your Prime membership, shopping habits, and needs.
| You should consider this card if… | Best Option |
| You’re a frequent Amazon & Whole Foods shopper and already have Prime | Amazon Prime Visa |
| You shop on Amazon but don’t have Prime | Amazon Visa (Non-Prime) |
| You only shop on Amazon and want financing options | Amazon Store Card |
| You want a card to use both on Amazon and anywhere else | Amazon Prime or Amazon Visa |
Amazon Prime Visa Customer Service and Contact Information
For assistance or inquiries:
- Phone: Call 1-888-247-4080 (available 24 hours a day).
- Mail: Send correspondence to Card Services, P.O. Box 1529,8 Wilmington, DE 19850
- Online: Log in to your Chase account to send secure messages or access additional support.
Is Amazon Prime Visa Worth It?
For frequent Amazon shoppers and Prime members, the Amazon Prime Visa offers substantial value.
The 5% cashback can lead to significant savings over time.
With no annual fee and no foreign transaction fees, the card is a cost-effective option. Beyond cashback, the card offers travel protections and purchase safeguards.
However, if you rarely shop on Amazon or don’t have a Prime membership, other credit cards might offer more suitable reward structures.
Conclusion
The Amazon Prime Visa Credit Card is a robust option for Prime members seeking to maximize their shopping rewards.
With generous cashback rates, no annual fee, and a host of additional benefits, it stands out in the crowded credit card market.
Ensure you meet the eligibility requirements and understand the terms before applying to make the most of what this card has to offer.
Disclaimer: The information provided in this article is for informational purposes only and does not constitute financial advice.