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Amazon Visa Credit Card Review: Prime Rewards for Amazon Shoppers
What Is the Amazon Visa Credit Card?
The Amazon Visa Credit Card is a rewards credit card designed for frequent Amazon shoppers, particularly those with an Amazon Prime membership. Offered in partnership with Chase, this card provides elevated rewards on Amazon.com purchases, as well as at Whole Foods Market and other everyday spending categories.
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Amazon Visa Credit Card Pros & Cons
Pros:
- Generous rewards on Amazon.com and Whole Foods Market purchases
- No annual credit card fee
- No foreign transaction fees
- Earn rewards on travel purchases and at gas stations
- Various travel benefits and purchase protections
Cons:
- Highest rewards rate requires an Amazon Prime membership
- Limited redemption options outside of Amazon
- Variable APR can be high for some cardholders
Who Is the Amazon Visa Credit Card For?
The Amazon Visa Credit Card is ideal for:
- Frequent Amazon shoppers, especially Prime members
- Those who regularly shop at Whole Foods Market
- Consumers looking for rewards on everyday purchases without an annual fee
- Travelers who want a card with no foreign transaction fees
This card is particularly beneficial for Amazon Prime members who can earn 5% back on Amazon.com and Whole Foods Market purchases. Even without a Prime membership, cardholders can still earn 3% back, making it a solid choice for regular Amazon customers.
Comparing the Amazon Visa Credit Card With Other Credit Cards
When considering the Amazon Visa Credit Card, it's helpful to compare it with other popular options in the credit builder card category:
Chime Credit Builder Secured Visa® Credit Card:
- Annual fee: $0
- Security deposit: Flexible, based on the amount transferred to Credit Builder account
- Key features: No credit check to apply, reports to all three major credit bureaus
- Standout feature: No minimum security deposit required
Capital One Quicksilver Secured Cash Rewards Credit Card (rate & fees):
- Annual fee: $0
- Security deposit: Minimum $200, which becomes your credit limit
- Key features: 1.5% cash back on all purchases, automatic credit line reviews
- Standout feature: Earn rewards while building credit
Current Build Visa® Credit Card:
- Annual fee: $0
- Security deposit: Flexible, based on the amount transferred to Build account
- Key features: No credit check required, reports to all three major credit bureaus
- Standout feature: Linked to Current banking app for easy fund transfers
Each card offers unique benefits tailored to different spending habits and preferences. Consider your personal financial goals when choosing the best card for you.
Key Takeaways:
- Amazon Visa excels in providing elevated rewards on Amazon.com purchases
- Chime Credit Builder offers flexibility with no minimum deposit
- Capital One Quicksilver Secured provides cash back rewards
- Current Build integrates with banking app for convenient use
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Consider Using Kudos
While the Amazon Visa Credit Card offers excellent rewards for Amazon shoppers, it's essential to maximize your credit card rewards across all your purchases. This is where Kudos comes in. Kudos is a free AI-powered browser extension that helps you get the most out of your credit cards whenever you shop online.
With Kudos, you can:
- Receive personalized credit card recommendations for each purchase
- Earn rewards at over 15,000 stores
- Multiply your rewards up to 5X during exclusive "Flash Boost" events
- Discover new cards that align with your spending habits
If you're looking to get more out of your credit cards, Kudos is the best free shopping app to use when you shop online. They're currently offering $20 back after your first eligible purchase — just sign-up for free with code "GET20" and make a purchase at a Boost merchant.
Our Expert Takeaway
The Amazon Visa Credit Card is an excellent choice for frequent Amazon shoppers, especially those with a Prime membership. With its high reward rate on Amazon.com and Whole Foods Market purchases, no annual fee, and additional perks like travel benefits and purchase protection, it offers significant value for the right user.
However, to truly maximize your credit card rewards across all your online shopping, consider using Kudos alongside your Amazon Visa. This combination can help ensure you're always using the best card for each purchase and earning the most rewards possible.
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Amazon Visa Credit Card FAQ
Is there an annual fee for the Amazon Visa Credit Card?
No, there is no annual credit card fee for the Amazon Visa Credit Card.
Do I need to be an Amazon Prime member to get this card?
No, you don't need to be a Prime member to get the card, but Prime members earn higher rewards on Amazon and Whole Foods purchases.
What's the reward rate for Amazon purchases?
Prime members earn 5% back on Amazon.com and Whole Foods Market purchases, while non-Prime members earn 3% back.
Can I use my rewards outside of Amazon?
Yes, while Amazon purchases offer the best redemption value, you can also redeem your rewards for cash back, travel, gift cards, or to pay your credit card bill.
Are there any foreign transaction fees?
No, the Amazon Visa Credit Card does not charge foreign transaction fees, making it a good option for international travel.
What other categories earn rewards?
Cardholders earn 2% back at restaurants, gas stations, and on local transit and commuting, including rideshare. All other purchases earn 1% back.
Is there a sign-up bonus?
Yes, new cardholders receive an Amazon gift card instantly upon approval. The amount may vary based on current promotions.
What kind of travel benefits does the card offer?
The card offers travel accident insurance, lost luggage reimbursement, and no foreign transaction fees on purchases made abroad.
Can I use this card with Amazon Fresh?
Yes, purchases made through Amazon Fresh earn the same reward rate as other Amazon.com purchases.
How does the Amazon Visa Credit Card handle balance transfers?
The card does allow balance transfers, but they do not earn rewards and may be subject to a balance transfer fee and a separate APR.
Supercharge Your Credit Cards
Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.
Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
