Key insights at a glance:
- Designed with Amazon Prime devotees in mind, this card shines for frequent buyers on Amazon.com, Whole Foods, and Amazon Fresh.
- It boasts travel-related advantages that many standard cashback cards don’t typically offer.
- Not an avid Amazon shopper or Prime subscriber? You might find more value in alternative cashback cards better tailored to your habits.
For those who habitually shop with Amazon Prime, carrying the Prime Visa is an obvious win.
On Amazon, Amazon Fresh, and Whole Foods purchases, it rewards you handsomely with a robust 5% cashback rate. Additionally, dining out, fueling your vehicle, and daily commuting — including rideshare trips — earn a nice 2% back.
When booking through Chase TravelSM, you also benefit from 5% cashback. Plus, certain Amazon purchases over $50 give you the flexible option to either rack up rewards immediately or spread payments out over time. For all other spending anywhere Visa is accepted, you get a consistent 1% cashback reward. New cardholders also snag an Amazon gift card upon approval, alongside exclusive, limited-time offers featuring 10% or more back on select Amazon merchandise.
But don’t box this card as just an online shopper’s tool. If your life involves frequent road trips or flights, you’ll appreciate the built-in travel protections and extras — from travel accident coverage to baggage delay insurance, and more. Let’s dive deeper into how the Amazon Prime Visa can elevate your spending experience.
Supercharged Cashback Opportunities
The Prime Visa dishes out 5% cashback on purchases via Amazon.com, Amazon Fresh, Whole Foods, and Audible. This same 5% rate applies when booking through Chase Travel. Unlike the Amazon Prime Store Card, this Visa extends 2% back on dining, gas stations, local transit, and ridesharing expenses. For everything else, you’ll earn a solid 1% back.
Generous Welcome Bonus
Sign up by July 14, 2025, and snap up a $250 Amazon gift card with your new Prime Visa approval (post-deadline, the bonus usually becomes $150). The kicker? There’s no minimum spend hurdle to climb — just enroll and claim your instant reward.
Flexible “Buy Now, Pay Later” Perks
For those bigger Amazon or eligible retailer buys, you can opt between racking up rewards or financing your purchase over time using Amazon Pay. Purchases of $50+ enjoy six months of 0% APR, while those $250 and above get an extended 12-month interest-free window. Keep in mind, once this promotional period ends, the variable APR ranges from 19.49% to 28.24%.
Zero Annual Fee (Sort Of)
While the Prime Visa itself carries no annual fee, a $139 Amazon Prime membership is mandatory for approval. If you’re already shelling out for Prime, this card effectively comes at no extra cost — making it a frictionless addition to your wallet.
Purchase Safeguards That Save You Money
The card doesn’t just reward your spending; it protects it. From theft or accidental damage to coverage on products that falter shortly after purchase, the Prime Visa has your back.
Damage and Theft Coverage
Shop with confidence: your purchases are protected up to 120 days against theft or damage, with claims capped at $500 each and a $50,000 account limit.
Extended Warranty Bonus
When you pay with your Prime Visa for eligible items bearing U.S. manufacturer warranties of up to three years, you get an extra year tacked on — cushioning your investment even further.
Surprising Travel Perks Beyond Cashback
Though primarily a cashback card, the Amazon Prime Visa sneaks in a suite of travel protections that rival many dedicated travel credit cards.
Secondary Auto Rental Insurance
Renting a car? This card provides secondary coverage on rentals—both stateside and overseas—protecting you in cases of collision damage or theft, supplementing your existing insurance.
Travel Accident Protection
Pay for your journeys via air, bus, train, or cruise with this card and gain accident insurance up to $500,000 — covering unfortunate incidents such as accidental death or dismemberment.
Lost Luggage Compensation
Should your checked or carry-on bags vanish or get damaged by the carrier, this perk reimburses you up to $3,000 per passenger.
Baggage Delay Coverage
If your bags arrive six hours or more late, you can claim up to $100 daily for three days to replace essentials like clothes and toiletries.
Travel & Emergency Aid
Facing a legal or medical emergency while far from home? The card’s Benefits Administrator is just a call away to guide you through assistance services.
Roadside Assistance
Breakdowns or dead batteries on the road? Whether with your own vehicle or a rental, the card’s hotline can dispatch towing, tire changes, jump starts, fuel delivery, and more. Although services come with a fee, the peace of mind they bring is priceless.
Foreign Transaction Fee-Free Spending
Jet-setting overseas? Enjoy purchases made in foreign currencies without any extra fees, making it a savvy companion for globe-trotters.
How to Squeeze the Most Out of Your Prime Visa
Maximize your earnings by booking vacations—hotels, car rentals, cruises, or flights—through Chase Travel to lock in 5% cashback. Redeem your rewards in versatile ways: cash, statement credits, gift cards, or Amazon merchandise.
Additionally, the Prime Visa doubles down with 2% back on dining, fuel, and commuting costs, plus consistent 1% on all other spendings.
Bear in mind, carrying a balance isn’t your friend here. The variable APR can turn into a wallet pinch, so paying in full monthly is the smart move.
Quick Stats to Keep Handy
| Amazon & Related Purchases | 5% Cashback |
| Chase Travel Bookings | 5% Cashback |
| Dining, Gas, Transit | 2% Cashback |
| Other Purchases | 1% Cashback |
| Welcome Gift | $250 Amazon Gift Card (until July 14, 2025) |
| APR Post-Promo | 19.49% – 28.24% Variable |
| Amazon Prime Membership Fee | $139/year |
Final Thoughts on the Amazon Prime Visa
For active Amazon Prime users, this Visa card sweetens already great deals by layering generous rewards on top of Prime’s benefits. The welcome bonus alone can offset your membership fee if you’re a frequent buyer. Audible enthusiasts enjoy extra perks, too.
Beyond Amazon, the card proves competitive with cashback on everyday needs—fuel, dining, commuting—and slips in robust travel protections that make it a versatile choice for road warriors and jetsetters alike.
Ultimately, the combination of rewards, protections, and flexible payment options make this card a compelling pick for the long haul. Still, it pays to explore other offerings to ensure it aligns perfectly with your spending style.
