Thematic video✅ Amazon Chase Rewards Visa Credit Card Review 🔴
A $200 Amazon gift card and 10% back on purchases: The Amazon Prime Rewards Visa Signature Card is great for holiday shoppers
Editor’s note: This post has been updated with the latest credit cards information and benefits.
Amazon Prime Rewards Visa Signature Card overview
The Amazon Prime Rewards Visa Signature is a solid earner, featuring a 5% return on all Amazon and Whole Foods purchases; 2% on restaurant, gas station and drugstore purchases; and 1% back on everything else, making it a strong contender for those who spend big with Amazon companies. Card rating*: ⭐⭐⭐½
*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
The holidays are right around the corner — which means that Black Friday and Cyber Monday are also rapidly approaching. To kick off this holiday shopping season, Amazon and Chase are offering exclusive promotions on their cobranded credit cards, the Amazon Prime Rewards Visa Signature Card and the Amazon Rewards Visa Card, and both are offering some of their richest sign-up bonuses yet.
What’s the difference between the two? While neither card charges an annual fee, you can only apply for the former if you are a current Amazon Prime member while the latter is open to the general public. So, you can think of your Prime membership fee of $119 per year as your credit card annual fee if you have the Amazon Prime Rewards Visa.
Starting today, Nov. 17, until the end of the month, eligible Amazon Prime members who apply for the Amazon Prime Visa Signature card will receive a $200 Amazon gift card immediately upon approval. If you’re not a Prime member and decide to opt for the Amazon Rewards Visa Card instead, you’ll instantly receive a $100 Amazon gift card if you’re approved.
Additionally, Prime cardholders will earn a whopping 10% back in rewards on select products from eligible Amazon gift guides.
In this post, we’ll review the Amazon Prime Rewards Visa Signature Card and see if it’s worth applying for, especially if you’re looking to save amazon chase visa credit card on your online shopping this holiday season.
The information for the Amazon Prime Rewards and the Amazon Rewards cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
In This Post
Who is this card for?
The Amazon Prime Rewards Visa Signature is meant for those who participate significantly in Amazon’s ecosphere. Available exclusively for Amazon Prime members, it rewards those loyalists with best-in-class earnings of 5% back on purchases on the Amazon website and at the Whole Foods grocery store chain. As a no-annual-fee card, it’s an obvious contender for a spot in your wallet if you’re a Prime member anyway, and deserves respect from even the most hard-core points-and-miles enthusiasts. After all, who doesn’t shop at Amazon at this point?
However, the card lacks the ability to transfer rewards to travel partners (and thus gain extra potential value for your points), which means that outside those 5% bonus categories, you’re probably better off with another card. It also is subject to Chase’s 5/24 rule, which means if you’ve opened a bank of the west routing number iowa of other cards in the past two years, you might not be approved for it until you fall back below that limit.
The card offers a solid return on purchases made within Amazon’s wheelhouse, but it is best suited for those who prefer simplicity in their credit card rewards and aren’t interested in maximizing every dollar they spend.
Sign-up bonus: $200 Amazon gift card
At the moment, the Amazon Prime Rewards Visa Signature is offering one of its best-ever bonuses — a $200 Amazon gift card valid for purchases at Amazon that is available as soon as you are approved. That’s up from the previous $70-$150 in Amazon gift cards we’ve seen historically.
For its part, the Amazon Rewards Visa Card is offering a $100 Amazon gift card valid for purchases at Amazon that is available as soon as you are approved. That’s not nearly as attractive and you will probably be better off joining Prime and getting the higher-end card.
Main benefits and perks
The Amazon Prime card features several solid consumer-focused benefits.
Among them, its purchase protection ranges up to $500 per claim and $50,000 per account, while its extended warranty protection provides an additional year of coverage on eligible purchases with a manufacturer’s warranty of three years or less.
The card also has a host of benefits for travelers, including no foreign transaction fees, travel and emergency service, lost luggage reimbursement (up to $3,000 per passenger for you and your immediate family), baggage delay insurance (up to $100 per day for three days if delayed by six or more hours), travel accident insurance and roadside dispatch (for a fee).
It also includes auto rental collision damage coverage — although unlike credit cards such as the Chase Sapphire Preferred Card, which offer primary rental car coverage, this card only offers secondary car insurance, which kicks in after filing with your personal insurance company.
These benefits come as a result of its Visa Signature status, which also provides access to the Visa Luxury Hotel Collection. This allows members to book more than 900 hotels around the world with perks that imitate elite status, such as room upgrades and late checkout. You’ll also be able to use the Visa Signature Concierge Service, which can help you with a variety of requests.
How to earn points
The main perk of this card is its spending structure. It offers a 5% return on Amazon and Whole Foods purchases. However, it only earns 2% back at restaurants, gas stations and drugstores, which is similar to other no-annual-fee credit cards.
Purchases made anywhere else earn a flat 1% back. This adds up to a fairly generous return on spending, but those who don’t already have Amazon Prime will need to consider whether the $119 annual cost for the subscription is worth it, especially if they don’t shop with Amazon often.
The reason it might make sense right now is that Prime cardholders can earn a phenomenal 10% back on select products from eligible gift guides, which can be found here, now through Dec. 20, 2021.
Among the gift guide categories offering this return are toys; computers, tablets and gaming accessories; home goods; kitchen wares; office products; and more.
Depending on what you plan to purchase this holiday season and how much you expect to spend, you could walk away with real savings by taking advantage of these offers.
How to redeem points
When you’re ready to redeem the points you’ve earned with the Amazon Prime Visa, there are a number of different tracks you can take. No matter what you do, you’ll receive a flat value of 1 cent per point for your redemptions. The easiest method is simply redeeming your rewards for Amazon purchases. There is no minimum amount of points required, and you can use them for all or part of your purchase.
If you’d prefer cash back, you can deposit your rewards straight to your Chase account. You can also redeem for gift cards with a minimum of 2,500 points.
Perhaps the most intriguing and least-talked-about option is the ability to redeem your points for travel through Chase, although you’ll have to call in to use your points. Here you get a value of 1 cent per point, so it’s not as much as if you had the Chase Sapphire Reserve, which lets you redeem points at 1.5 cents each through the Chase Ultimate Rewards portal.
But you’re not missing out on value with this card in particular by redeeming points for travel versus Amazon purchases. And airfare purchased through a third-party site will still accrue bonus miles and elite credit, in addition to granting elite status perks you’ve earned on the airline. The same can’t be said for hotels, which will often disqualify bookings made via online travel agencies from any kind of earning.
The Chase travel portal also offers tours and activities, which means that you can finance an entire vacation with points earned from your Amazon Prime Visa. At a 5% earning rate, these points will stack up quickly.
You won’t find a better return on your spending at Amazon and Whole Foods with other credit cards, though there are some products that come close.
The Blue Cash Preferred® Card from American Express
The Blue Cash Preferred Card from American Express offers 6% back on U.S. supermarket purchases (on up to $6,000 in purchases per calendar year, then 1%). It’s a fairly lucrative card overall, also offering 6% on select streaming services in the U.S. and 3% on transit and gas stations. Cash back is received in the form of Reward Dollars that can be redeemed for statement credits. The card comes with a $0 introductory annual fee for the first year, then $95 (see rates and fees).
The Amex EveryDay® Preferred Credit Card from American Express
The Amex EveryDay Preferred Credit Card earns 3 Membership Rewards points on U.S. supermarket purchases (on up to $6,000 a year). It also accrues 2 Membership Rewards points per dollar at U.S. gas stations and 1 point per dollar on other purchases. Plus, when you jose peppers catering menu the card to make 30 transactions or more per billing period, you get a 50% points bonus, which can really improve your earning potential.
What’s more, this card earns Membership Rewards points that you can transfer to the program’s various airline and hotel partners, making it a strong choice for folks who want to rack up rewards for travel, specifically, rather than just cash back.
The annual fee is $95.
The information for the Amex EveryDay Preferred card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Chase Freedom Unlimited
If you’re not a Prime subscriber and still want a solid return on your spending, your best bet would be to go with the Chase Freedom Unlimited. The Freedom Unlimited provides 1.5% cash back on non-bonus purchases (but 5% on travel booked through Ultimate Rewards, and 3% on dining and drugstores).
You could potentially double the value of your rewards by pairing the Freedom Unlimited with a Chase Sapphire Reserve, Chase Sapphire Preferred Card or Ink Business Preferred Credit Card. By doing so, you’ll be able to redeem your cash back as full-fledged, transferable Ultimate Rewards points, worth 2 cents apiece, based on TPG’s monthly points valuations.
The card has no annual fee.
If you’re a big Amazon shopper who already subscribes to Prime, the Amazon Prime Rewards Visa Signature could be a good option for you — especially with a $200 gift card on the line. With an unbeatable 5% return on Amazon and Whole Foods purchases and a simple redemption system, this card is geared to those who prefer to stay away from the intricacies of points and miles, opting instead for the ease of using a no-annual-fee credit card that earns cash back.
Additional reporting by Stella Shon.
Featured photo by The Points Guy.
For rates and fees of the Blue Cash Preferred card, click here.
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3 Ways To Pay Your Amazon Credit Card Bill
Credit Cards / Retail
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An Amazon credit card gives you even bigger buying power at one of the world’s top shopping sites. With new and used products from both third-party sellers and its own massive inventory, the global retailer has something for everyone and provides a bevy of financial benefits with its branded card.
The Amazon Store Card can be used for most purchases on Amazon.com and Amazon-branded physical stores. Plus, if you opened your account before Jan. 1, 2021, you can use the card at merchants that accept Amazon Pay. Cardholders are also eligible for interest-free purchases for six, 12 or 24 months by making equal monthly payments. Plus, Amazon Prime Store Card users can earn 5% back in statement credits or Amazon rewards points on Amazon.com purchases.
After using your Amazon Store Card, you’ll need to pay your bill. Find out your options so you can avoid making a late payment.
How To Make Your Amazon Credit Card Payment Online
Whether you want to make a minimum payment or pay off your Amazon credit card balance, this popular Amazon credit card bill-pay option requires you to log in to your account at the Synchrony Bank Amazon online credit center. Follow these steps to make a one-time payment:
- Log in to your account.
- Place your cursor over “Payments” and then select “View and Make Payments.”
- Select whether you want to make a minimum payment or pay your current balance, statement balance or another amount.
- Select a payment date.
- Enter your bank’s routing number and your checking account number in the appropriate fields and confirm.
Synchrony also offers cardholders the option to “Pay as Guest,” which means you can pay without logging in to your account. To use this feature, you’ll need to enter your card number, Social Security number and ZIP code.
How To Pay Your Amazon Credit Card Bill by Phone
You can make a payment of any size by calling Synchrony Bank’s automated payment system. You can also press zero to have a customer service representative assist you.
Here are the steps to pay your Amazon credit card bill by phone:
- Call Synchrony Bank at 866-634-8379.
- Wait for the prompts, and press two on your keypad.
- Listen to the prompts, and press one on your keypad.
- Enter your Amazon Store Card account number to allow the system to identify your account.
- Follow the prompts to make your payment.
How To Make an Amazon Credit Card Payment by Mail
Synchrony also accepts mailed payments. However, the crediting of your payment may be delayed fort smith arkansas campgrounds to five days after Synchrony acknowledges receipt. Follow these steps:
- Make out your check or money order to Synchrony Bank/Amazon.
- Place the remittance form from your statement with your payment, filling in the amount you wish to pay.
- Send your payment to:
Synchrony Bank / Amazon
P.O. Box 960013
Orlando, FL 32896-0013
When Is My Amazon Credit Card Bill Due?
As an Amazon cardholder, the due date for your Amazon credit card comes at a minimum of 23 days past the billing cycle’s close. You won’t be charged interest on purchases if your balance is paid by the due date every month. Payments are due by 5 p.m. ET. You will be charged a late fee of up to $40 if you fail to make your Amazon credit card payment on time.
Note that these payment instructions do not apply to Amazon Rewards Visa Signature cardholders. The Amazon Rewards Visa is financed by Chase Bank.
Cynthia Measom contributed to the reporting for this article.
About the Author
StacyCalvert creates online content from her home in Peoria, IL. She ghostwrites product descriptions, blog posts and static webpage content for small, medium and large businesses. Stacy has written articles for the Houston Chronicle, NestMagazine and other publications online.
If you're planning on shopping Amazon's Black Friday sale this year, there are compelling reasons to do it with the company's flagship cash-back credit card. During this year's holiday season, the Amazon Prime Rewards Visa Signature Card* features a considerable sign-on bonus -- a $200 Amazon gift card, rewarded to you instantly upon account approval -- and up to 25% back on select items in rotating categories.
The card provides 5% cash back on purchases at Amazon and Whole Foods. You also get 2% back at restaurants, gas stations and drug stores, and 1% back on other purchases. So whether you're buying groceries at Whole Foods or from Amazon Fresh, this card will help maximize your savings this holiday season.
As an alternative to earning cash-back rewards on a purchase, cardholders can choose 0% intro APR financing on equal payments for purchases of at least $50 for six to 18 months (14.24% to 22.24% variable APR thereafter). This feature could help you stretch out the payment period on a larger purchase, though you may be subject to paying interest.
Intro Bonus$200 Amazon Gift Card instantly upon approval
APR14.24% to 22.24% Variable
Recommended Credit N/A
- 5% back at Amazon.com and Whole Foods Market with eligible Prime membership*
- 2% back at restaurants, gas stations, and drugstores*
- 1% back on all other purchases*
Intro Purchase APRN/A
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
Balance Transfer APR14.24% to 22.24% Variable
Late Payment Fee Up to $39
Foreign Transaction Fees None
- 5% back at Amazon.com and Whole Foods Market with eligible Prime membership*
- 2% back at restaurants, gas stations, and drugstores*
- 1% back on all other purchases*
The Amazon Prime rewards card has no annual fee and the eligibility requirements aren't particularly stringent. Applicants with a "fair" credit score (approximately 580 or higher) stand a good chance of being approved.
Amazon also offers a slimmed-down version of its Rewards Visa for people who are not Prime members -- the Amazon Rewards Visa Card*. The Amazon and Whole Foods cash-back rate with this card is only 3% and signup incentive is lower: a $100 Amazon gift card. But if you're looking to maximize your Amazon cash-back potential, you're probably better off becoming an Amazon Prime member first -- which costs $119 per year -- and then applying for the full-featured Prime version of the card. Since you'll earn a $200 Amazon gift card as a sign-up bonus with the Amazon Prime Rewards Visa Signature Card, it can fully cover your first year of Prime membership, which features many worthwhile Amazon benefits.
Some alternatives to Amazon credit cards for holiday shopping
Another alternative for the Amazon-heavy shopper is the Blue Cash Preferred® Card from American Express, which offers 6% cash back on groceries at US supermarkets -- including Whole Foods -- on up to $6,000 per year (after which the cash-back rate decreases to 1%). You can also earn 6% cash back on select US streaming service purchases, including Amazon Prime Video. Lastly, you can get a $300 statement credit by spending $3,000 within the first six months of membership. Cash back is received in the form of Reward Dollars that can be redeemed dedicated server outlaws of the old west a statement credit.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
The Bank of America® Customized Cash Rewards credit card* is another great option for those who do much of their holiday shopping online but not primarily on Amazon. This card offers a customizable 3% cash-back category that doesn't rotate, and online shopping is one of the available categories, as well as 2% cash back at grocery stores and wholesale clubs (for up to a combined $2,500 in choice category/grocery store/wholesale club purchases per quarter, then 1%). You receive 1% cash back on all other purchases. Note that you have to manually select this category through your account to receive these benefits, as the default category is gas. You'll also receive a $200 online cash rewards sign-on bonus after spending $1,000 in purchases in the first 90 days of account opening.
A direct deposit of news and advice to help you make the smartest decisions with your money.
More credit card advice
For rates and fees of the Blue Cash Preferred Card from American Express, click here.
*All information about the Amazon Prime Rewards Visa Signature Card, Amazon Rewards Visa Card and the Bank of America Customized Cash Rewardscredit card has been collected independently by CNET and has not been reviewed by the issuer.
The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.
How To Increase Credit On My Amazon Chase Credit Card Limit Online
So, you have an Amazon Chase credit card. You want to increase your credit limit on your card. Ready to learn how to make it happen?
First things first, JPMorgan Chase & Co., more popularly known as Chase, is one of the most popular major credit card issuers in the world. While this specific credit card is an Amazon credit card, it’s Chase that backs it, therefore you’ll need to go through Chase if you want to increase your credit limit.
While we’ll be focusing on the “online” method for this particular article, you can also call Chase at 1-888-245-0625.
To request for an increase online, just click here.
You’ll Want To Go Ahead And Create An Online Account
Just sign in with your user ID and password, or create an online account if you haven’t done that yet. To create a new account, you’ll need your social security number, credit card number, and a phone number or email address.
Before You Call Or Apply Online, Be Sure To Read This
It’s super important you know what to expect before you try to increase your Amazon Chase credit card (really any credit www mtb com managemyaccount. Here’s some important tips before you get going.
(1) Let Them Know Why You Need A Credit Limit Increase
A lot of people make the mistake of saying “it’s an emergency” or “we had a death.” While that may be true, this is not the way to get a credit limit increase.
In most circumstances like this, they’re likely going to turn your request down.
We don’t want you cash america tell them why you need it, rather, you tell them why you deserve it. Before you say anything, if you’re thinking about an increase and you haven’t been taking care of business on your end, you’re wasting your time.
If you’ve where is a sperm bank near me all your payments on-time, using your Amazon Chase credit card properly, you have a fair shot at getting your credit limit increase.
Here’s some things you can bring up;
- I’ve been with Chase for (X) years. (Less than 6 months? Don’t do it!)
- I always pay my balance in full every month.
- I’m always using 30 percent of less of my credit limit.
- I always pay on time. I always pay early, multiple times a month.
- I’m making a lot more money now.
All of these are strong leverage points for you. While that’s true, don’t be an a**hole. Be nice, respectful and be authentic.
Remember, they’re just doing their job. We promise, they will not decide if you get your credit limit increase or not, it will be Chase and much higher up the food chain.
(2) Request A Fair Credit Limit Increase
If you currently have a $2,000 limit, try asking for $2,000 more, even $5,000.
You don’t want to try and go for $10,000 if you only have a $2,000 credit limit. In simple terms, don’t be greedy.
A lot of people will tell you to stick to 10-30 percent. We don’t agree. While there’s way too many scenarios to list, every case is different, so use sound thinking here.
If you have a $1,000 credit limit, try to get a $1,000 increase.
Now, if you go higher than 50 percent, you may be pushing the limits. To get specific, I always amazon chase visa credit card for 30-50 percent and I’ve always been approved for my credit limit increases.
With that said, I’ve always paid my account in full every tarrant county district clerk criminal. I’ve always paid on time.
I waited 12 months before I asked for an increase. These are super important and work in your favor.
(3) Let’s Talk Balance Transfer
Oh yeah, the banks love it! It’s a win-win for everyone.
Of course, we’re a little outside of our Amazon Chase credit card’s capabilities, but it’s an option for those of you that are wondering how to get more credit. It’s simple, you get a brand new card.
Since many balance transfer credit cards are no interest for so many months, it may make since for you. Again, you do have that option.
(4) Wait For A Natural Credit Limit Increase
Lastly, you can always wait for Chase to give you a credit limit increase.
We’ve heard good things about Chase giving credit limit increases. I’ve had a few credit cards from Chase that automatically approved credit limits without having to ask.
The big key, it’s using your Chase credit card responsibly. That is what it boils down.
If you’re making payments late, you may find them reducing your credit limit versus you get more credit.
You want to try and pay your balances in full each month, if you can of course. I know that’s easier said than done for some of you, but it puts you in a power position when you go to request more credit.
While we’re focusing on improving your odds to raise your Amazon Chase credit card limit, this advice is global, for all credit card holders. You can take these same steps you’re learning today and you can use these methods across the board.
It makes no difference if you’re using a Mastercard, Visa, rewards credit card or a store card, if you want higher credit limits, stick to this script. When you show others you’re “credit worthy,” getting new amazon chase visa credit card becomes a lot easier.
Higher credit limits are great but they can be dangerous too for those that don’t use their credit cards responsibly.
If you’re using your credit cards right, following the tips in this article, your chances to be approved for a higher credit limit on your Amazon Chase card dramatically increases.
If you’re not using your cards right, today is a great time to start over. Join our list here at Credit Shout while you’re at it so we can send you more tips on improving your credit.
Amazon Prime Rewards Visa Signature Card Review
The Amazon Prime Rewards Visa Signature Card is a cash-back credit card exclusively for Amazon Prime members.
Built for regular Amazon.com and Whole Foods Market shoppers, it offers up to 5% cash back on purchases made within the Amazon ecosystem and 2% cash back on a broad range of other purchases. Backed by Chase, Amazon Prime Rewards Visa Signature requires a paid-up Prime membership but otherwise has reasonable fees.
The easiest way to redeem your Amazon Prime Rewards cash back is for instant discounts on purchases from Amazon. Thanks to Chase’s expansive lineup of additional cash-back redemption options, you can also redeem for cash equivalents like statement credits, travel expense reimbursement, merchandise, and gift cards.
If you’re not sure Prime membership is right for you, look into the similar Amazon Rewards Visa Signature Card, which provides 3% cash back on Amazon and Whole Foods purchases. If your Prime membership is canceled or expires due to nonpayment, your Prime Rewards Visa Signature account will automatically downgrade and you’ll earn 3% cash back on Amazon and Whole Foods purchases.
These are the most notable features of the Amazon Prime Rewards Visa Signature Card.
Get a $100 Amazon gift card instantly upon approval. If you’re not an Amazon Prime member, you’ll still qualify for a $50 Amazon gift card at approval.
This is a limited time offer. See terms for offer details.
Earning Cash-Back Rewards
This card earns unlimited 5% cash back on all Amazon and Whole Foods Market purchases with eligible Prime membership. It earns 2% cash back on eligible purchases in three bonus categories: restaurants, gas stations, and drugstores.
All other eligible purchases earn an unlimited 1% cash back. Cash back accrues as points, with one point equal to $0.01 cash back.
To guarantee you maintain 5% cash-back eligibility, Amazon advises keeping your card in your secure Amazon Wallet in your Amazon account. If you remove the card from your wallet or add it to another account, you may temporarily lose 5% eligibility.
If this occurs, you’ll still earn 3% back on Amazon.com purchases, but you may need to contact Chase or Amazon to get the 5% restored.
Redeeming Cash-Back Rewards
The best amazon chase visa credit card to redeem your accumulated points is for instant discounts on Amazon purchases, known as Amazon’s Shop With Points feature. You can also redeem for Amazon gift cards, a popular gift item. There’s no minimum to redeem in either case.
At Chase’s Ultimate Rewards portal, you also can redeem for general-purpose cash back (via statement credit), travel (airfare, hotels, car rentals, and more), and general merchandise.
Visa Signature Travel Benefits
This card has some useful travel benefits backed by Visa:
- Travel Accident Insurance. This bare-bones form of travel insurance covers catastrophic events up to $500,000 per cardholder.
- Lost Crossfit workouts at home Reimbursement. Costs associated with cardholders’ and family members’ lost luggage are covered up to $3,000.
- Baggage Delay Insurance. If your baggage is delayed more than six hours, any essential purchases made as a result are reimbursed up to $100 per day.
- 24/7 Travel and Emergency Assistance. Get referrals for medical, legal, and other emergency services if you run into trouble. Additional fees may apply.
- Complimentary Car Rental Insurance. Thanks to Visa’s auto rental collision damage waiver, costs associated with rental car collision and damage (subject to policy limits) are covered when you pay for the rental in full with your card.
- 24/7 Roadside Dispatch. Additional fees may apply.
- Perks Within the Visa Signature Luxury Hotel Collection. These include the best rate, automatic room upgrades, and free in-room WiFi (all subject to availability).
- 24/7 Concierge Service. Get help making hard-to-get reservations and planning itineraries in unfamiliar cities.
Visa Signature Consumer Benefits
This card has some potentially valuable benefits for everyday shoppers too. You’ll get extended warranties of amazon chase visa credit card to one year beyond the manufacturers’ warranty window.
You’ll also enjoy purchase protection (theft and damage coverage) on new purchases for up to 120 days, capped at $500 per claim and $50,000 per account.
This card has no annual fee, but it does require a paid Amazon Prime membership. Prime costs $12.99 per month or $119 per year, per individual or household account. This card has no foreign transaction fee.
This card requires a good to excellent credit score. If you have any notable blemishes in your credit history or a credit score below where you’d like it to be, your application may be denied.
These advantages argue strongly in favor of applying for the Amazon Prime Rewards Visa Signature Card.
1. Up to 5% Cash Back on Amazon and Whole Foods Purchases
The Amazon Prime Rewards Visa Signature Card’s distinguishing benefit is 5% cash back on purchases at Amazon and Whole Foods. There’s no limit to cardholders’ 5% earnings and virtually no restrictions on what they can buy.
Needless to say, this is a fantastic rate. Most other cash-back cards, even those charging annual fees, cap cash back below 5% or impose strict spending caps on categories that earn 5% or higher cash back.
2. Broad 2% Cash Back Categories
This card’s 2% cash-back categories span drugstores, restaurants, and gas stations. Most consumers spend regularly in at least one of these categories. When they do, they’ll earn cash back at a very competitive rate.
3. Seamless Redemption Process
Thanks to Amazon’s Shop With Points feature, it’s incredibly easy to redeem your accrued Amazon Rewards points. Simply apply them against your Amazon transaction balances and get sbi net banking registration online using debit card with your life.
You can also redeem at Chase’s Ultimate Rewards dashboard, which is pretty easy to use too.
4. No Foreign Transaction Fee
The Amazon Prime Rewards Visa Signature Card has no annual fee. That’s welcome news for cardholders who frequently venture outside the U.S., whether on road trips to Canada or international vacations to Europe and beyond.
5. No Direct Annual Fee
This card doesn’t charge an annual fee. If you’re already taking full advantage of your Amazon Prime membership, and you’d keep your Prime membership whether you had this card or not, there’s really no additional out-of-pocket cost here.
6. Solid Visa Signature Benefits
Though it’s not a proper travel rewards credit card, the Amazon Prime Rewards Visa Signature Card has a nice lineup amazon chase visa credit card Visa Signature benefits for shoppers and travelers. The Visa Signature Luxury Hotel Collection perks are particularly nice, as are the various travel insurance inclusions.
7. No Penalty APR
This card has no penalty APR. If you occasionally miss statement due dates due to unforeseen expenses or cash crunches, this could save you hundreds of dollars in penalty interest each year.
Consider these drawbacks before applying for the Amazon Prime Rewards Visa Signature Card.
1. Requires Paid-Up Amazon Prime Membership
The Amazon Prime Rewards Visa Signature Card requires a paid Amazon Prime membership to earn 5% cash back on Amazon and Whole Foods purchases.
Prime membership costs $12.99 per month or $119 per year, roughly equivalent to the cost of a premium cash-back credit card like Blue Cash Preferred from American Express.
Prime has attractive benefits, such as free two-day shipping, but it’s not for everyone. If you’re not a Prime member already, or you feel you’re not getting your money’s worth from the program, think twice about applying for this card.
2. No 0% APR Introductory Promotion
This card does not have a 0% APR introductory promotion for purchases and balance transfers.
If you’re looking for a new home for your high-interest credit card balances or need to finance a major purchase, look to no-annual-fee cash back cards like Chase Freedom and Chase Freedom Unlimited, both of which offer 15-month 0% APR on purchases and balance transfers.
3. Automatic Downgrade If Prime Membership Lapses
If you cancel your Amazon chase visa credit card membership or allow amazon chase visa credit card to lapse due to nonpayment, you’ll lose this card’s 5% cash-back benefit. You can avoid this in the short term by choosing an annual Prime membership, but it’s something for tentative Prime members to keep in mind.
4. Low Baseline Rewards Rate
This card’s baseline rewards rate is low – just 1% back on purchases not covered by the 5% and 2% categories.
That’s a far cry from some competing cash-back cards’ baseline rates. The Citi Double Cash Card earns unlimited 2% cash back on all eligible spending, for instance.
The Amazon Prime Rewards Visa Signature Card has one job: to reward loyal Amazon Prime members for their continued patronage.
Its three-tiered rewards program earns up to 5% cash back on Amazon and Whole Foods Market purchases, rewarding cardholders who prefer to shop at home except when it’s time to restock the cupboard.
The promise of 2% back on purchases at restaurants, drugstores, and gas stations is nothing to sneeze at, either. For a card that technically doesn’t charge an annual fee, this is a pretty strong cash-back regime.
The bottom line? For heavy Amazon shoppers, this card may be well worth the Prime membership fee, even if you don’t use it outside the Amazon/Whole Foods ecosystem.
However, if you don’t spend enough at Amazon or Whole Foods to justify a Prime membership, you may want to give this card a pass – or at least stick to the truly no-annual-fee Amazon Rewards Visa Signature Card. Attractive as this card is, it provides the best deals specifically to Amazon Prime members.
What Is Needed to Confirm the Receipt of Your Amazon Visa?
By Amy McNulty
The Amazon Visa Rewards credit card is a line of credit usable wherever Visa cards are accepted. The purchaser earns one point for every dollar spent. However, she earns bonus points for special purchases: three points for every dollar spent on Amazon and two points for every dollar spent at restaurants, gas stations, drug stores and office supply stores. To start using your Amazon Visa, you must first confirm walgreens north mankato hours receipt.
Even if you already have a card with the same number and are simply awaiting a card with a new expiration date, don't confirm the card until you have the new card in your hand. This reduces the chances that someone can steal and use your card should it get lost in the mail. You'll receive your card in the mail approximately two weeks after approval.
When you receive the Amazon Visa Rewards card in the mail, you'll see a sticker affixed to the front reminding you to sign the back of the card and directing you to a confirmation phone number to confirm the receipt of your card and to activate it. Dial this toll-free number from the same phone line that you provided on your application; the computer program must recognize that you're calling from that number to activate your card.
Last Four Digits
When you call the number on the front of your Amazon Rewards Visa, you won't need to speak with an operator unless you choose to enroll in optional programs such as Chase QuickPay. Instead, a computer operator will ask you to punch in the last four digits of your credit card number on a touch-tone phone. The phone line you're calling from must be the one that you provided on your application.
Complete the Call
Listen to the rest of the computer operator's menu options before you exit the call. Press "1," "2" or "3" as instructed to enquire about optional credit card programs or to decline the opportunity to enroll. Hang up only after the computer operator says that your card has been activated and instructs you to end the call. Remove the sticker from your credit card and sign the back of the card. You can use it immediately.
Amy McNulty has worked as a freelance writer since 2005. She has written for "Chocolate Zoom" and "The Japanese Tutor" among others. McNulty received a Bachelor of Arts in English with honors from Carthage College, where she also pursued minors in Asian studies and French.