For anyone who spends regularly on Amazon or shops at Whole Foods, the Amazon Prime Visa Signature Card is an easy way to earn meaningful rewards without changing your habits. It’s tailored to loyal Prime members who want to get more from their everyday spending.
Whether you’re stocking up on essentials or planning your next big purchase, this card delivers value right where you shop most—without rotating categories or hidden rules.
Amazon Prime Visa – Key Benefits Explained
- 5% Back at Amazon and Whole Foods Market: Every time you shop on Amazon.com or visit Whole Foods, you’ll earn 5% cash back. That’s one of the highest rewards rates for a retailer-linked card, with no limits.
- 2% Back on Dining, Gas, and Drugstores: Earn more when you fuel up, dine out, or shop at pharmacies. These everyday spending categories are rewarded at a generous rate to help you maximize value.
- 1% Back on Everything Else: Even purchases outside of bonus categories earn 1% back. That includes travel, utility bills, subscriptions, and in-store shopping.
- Welcome Bonus for New Cardholders: Once approved, you can receive an Amazon gift card instantly loaded to your account—no need to wait or meet a spending threshold to enjoy this perk.
- No Foreign Transaction Fees: Shop internationally or when traveling abroad without worrying about extra charges. Purchases made outside the U.S. are processed at no additional cost.
- Rewards Redeemable at Checkout: Use your points directly at Amazon.com to pay for part or all of your order. It’s a seamless way to apply your earnings with no extra steps.
- Zero Liability Fraud Protection: Unauthorized purchases are covered. You won’t be held responsible for fraudulent activity as long as it’s reported promptly.
- Visa Contactless Payment and Digital Wallet Ready: Pay quickly and securely with a tap or from your mobile device using Apple Pay, Google Pay, or Samsung Pay.
- Access to Chase Account Tools: Manage your spending, track purchases, set alerts, and redeem points all through Chase’s robust online and mobile banking platform.
Qualification Requirements
- U.S. Address and Residency: Applicants must have a valid residential U.S. address and meet eligibility criteria for Prime membership.
- Must Be 18 or Older: You must meet the minimum age requirement based on your state of residence.
- Good to Excellent Credit: A credit score in the mid-600s or higher improves your approval chances.
- Valid Social Security Number: Required for verification and to run a credit check during the application process.
- Stable Source of Income: Demonstrating the ability to repay borrowed amounts is essential.
- Active Amazon Prime Membership: Only current Prime members are eligible for the full suite of card benefits.
How to Apply for the Amazon Prime Visa Card
- Start on Amazon or Chase’s Website: Log in to your Amazon Prime account or visit Chase’s application page to begin.
- Click “Apply Now”: The secure application page will prompt you to fill in your personal and financial details.
- Provide Contact and Employment Info: Input your address, income, employment status, and monthly housing cost.
- Review Terms and Conditions: Before submitting, review key terms such as APR, cashback details, and your gift card offer.
- Submit Application for Decision: Most users receive a result within minutes. Some cases may require further review.
- Activate and Use Immediately: Once approved, your card is available to use instantly on Amazon.com, with your gift card loaded.
Frequently Asked Questions
Is an Amazon Prime membership required?
Yes, this card is designed specifically for Prime members and requires an active subscription to receive the 5% cashback benefit.
Do points expire?
No, as long as your account remains open and in good standing, your points never expire.
Can I use this card outside of Amazon?
Absolutely. The card works anywhere Visa is accepted and offers cashback for many everyday purchases.
What happens if I cancel my Prime membership?
Your card remains active, but you’ll only earn 3% instead of 5% back at Amazon and Whole Foods.
