Amazon Prime Rewards Visa Signature: Interest rates, credit limits, cashback, and bonuses. Learn about the conditions for obtaining the card, registration and options for receiving it online or at a branch. Discover its features.
from 500 $
Credit Limit
20.49 - 29.24 %
APR
$ 100 Amazon Gift Card
Welcome Bonus
Details
General Info
Required documents
SSN
APR
20.49 - 29.24 %
Credit Limit
from 500 $
Welcome Bonus
$ 100 Amazon Gift Card
Interest rates
Shopping
20.49 - 29.24
APR for Cash Advances
29.99 %
APR for Balance Transfers
20.49 - 29.24 %
Do I fit in?
Credit Score
670 - 739
Age
from 18 years
Fees
Annual Fee
0 $
Foreign Transactions
0 %
Late Payment
Up to 39 $
Returned Payment
Up to 39 $
Cash back
Purchases
5 %
Gas
2 %
Restaurants
2 %
The Amazon Prime Rewards Visa Credit Card, also known as Prime Visa, offers a range of rewards for Prime members, including 5% back on purchases at Amazon, Amazon Fresh, Whole Foods Market, and Chase Travel, 2% back at gas stations, restaurants, and on local transit, and 1% back on all other purchases. New cardmembers receive a $100 Amazon Gift Card upon approval. The card has no annual fee and a variable APR ranging from 20.49% to 29.24%, depending on creditworthiness.
Features
5% Back at Amazon and Chase Travel. Cardholders earn unlimited 5% back on purchases made at Amazon, Amazon Fresh, Whole Foods Market, and Chase Travel.
2% Back on Everyday Purchases. The card offers 2% back on purchases at gas stations, restaurants, and on local transit and commuting, including rideshare services.
1% Back on All Other Purchases. For all other purchases, cardholders earn 1% back.
$100 Amazon Gift Card for New Cardmembers. Upon approval, new cardmembers receive a $100 Amazon Gift Card instantly loaded into their Amazon account.
Pros and Cons
Pros
No Annual Fee. There is no annual fee associated with this card, making it cost-effective to maintain.
Variable APR. The card's APR ranges from 20.49% to 29.24%, depending on the cardholder’s creditworthiness.
No Foreign Transaction Fees. Cardholders are not charged extra for purchases made outside the United States.
Cons
Prime Membership Requirement. To earn the 5% back, cardholders must have an eligible Prime membership, which adds cost for those not already subscribed.
Limited Reward Categories. While the card offers high rewards for Amazon and travel purchases, the 1% back on all other purchases is relatively low compared to some other reward cards.
Penalty APR. The penalty APR can be as high as 29.99%, which can apply indefinitely if minimum payments are not made on time, leading to potentially high interest on overdue balances.
How to Apply for an Amazon Prime Rewards Visa Credit Card
Explore Credit Card Options. Browse through the available credit card options to find the Amazon Prime Rewards Visa Credit Card. Click on the card to access more details.
Review Card Details. Take your time to review the features, benefits, and terms of the Amazon Prime Rewards Visa Credit Card to ensure it meets your needs.
Initiate Application. Look for the "Apply Now" button to start the application process. Click on it to proceed.
Fill Out Application Form. Complete the online application form with accurate personal, financial, and contact information as required. Ensure all fields are filled correctly.
Submit Application. After filling out the form, review the information provided to avoid any errors. Once satisfied, submit your application.
Wait for Approval. After submission, the bank will review your application. You may receive an instant decision or have to wait a few days for a response.
Receive Card. If approved, your Amazon Prime Rewards Visa Credit Card will be mailed to the address provided during the application process.
Log In or Register. Open the Chase mobile app and log in to your existing online banking account. If you're a new user, you may need to register for mobile banking by providing your account details and creating login credentials.
Navigate to Credit Cards. Once logged in, navigate to the section of the app dedicated to credit cards or banking products. This may be accessible from the main menu or homepage.
Find Amazon Prime Rewards Visa Card. Look for the Amazon Prime Rewards Visa Credit Card among the available options. Tap on the card to view more details.
Start Application. Locate the option to apply for the Amazon Prime Rewards Visa Credit Card within the app. It may be labeled as "Apply Now" or something similar. Tap on it to initiate the application process.
Complete Application Form. Fill out the application form provided in the app with accurate information, including personal, financial, and contact details. Double-check for accuracy before proceeding.
Submit Application. After completing the form, review the information provided to ensure accuracy. Once verified, submit your application through the mobile app.
Wait for Response. The bank will review your application. Depending on their process, you may receive an instant decision or have to wait for a few days to receive a response.
Receive Confirmation. If approved, you'll receive confirmation within the app or via email. Your Amazon Prime Rewards Visa Credit Card will be mailed to the address provided during the application process.
In Bank's Office
Research and Preparation. Begin by researching the various credit cards offered by Chase to determine which best suits your needs and preferences. Consider factors such as rewards, interest rates, annual fees, and benefits.
Gather Necessary Documents. Collect all required documents, such as a valid photo ID (e.g., driver's license or passport), Social Security number, proof of income (e.g., pay stubs or tax returns), and any other relevant financial information.
Visit a Chase Branch. Locate the nearest Chase branch by using the Chase website or mobile app. Plan your visit during the branch’s operating hours.
Meet with a Chase Representative. Once at the branch, request to speak with a representative about applying for a credit card. The representative will guide you through the process, answer any questions, and provide you with the necessary forms.
Complete the Application Form. Fill out the application form provided by the representative. Ensure all information is accurate, including personal details, employment information, and financial data.
Submit Your Application. After completing the form, submit it to the representative along with your supporting documents. The representative will review your application for completeness and accuracy.
Wait for Approval. The representative will submit your application for processing. Approval times can vary; in some cases, you may receive an instant decision, while others may require further review. You will be notified of the decision by mail or email.
Receive Your Card. If approved, your new credit card will be mailed to you. Upon receiving your card, follow the instructions to activate it and begin using it to earn rewards and manage your finances effectively.
Infographic
Eligibility Requirements
Age Requirement. Applicants must be at least 18 years old (19 in Alabama and Nebraska, and 21 in Puerto Rico).
Creditworthiness. Approval is subject to credit review, and applicants must meet Chase’s creditworthiness standards.
Prime Membership. To earn the maximum rewards (5% back), applicants must have an eligible Amazon Prime membership.
U.S. Residency. Applicants must be legal residents of the United States.
Social Security Number. A valid Social Security number is required for the application.
Employment and Income Verification. Chase may require information about the applicant's employment and income to assess creditworthiness.
Existing Accounts. The applicant's accounts with Chase (if any) will be reviewed as part of the application process.
Marital Status (for Wisconsin Residents). Married Wisconsin residents must provide the name and address of their spouse.
Contact Information. Applicants must provide valid contact information, including a mobile phone number for account servicing communication.
Reasons You May Be Denied a Card
Insufficient Credit History. If you have a limited credit history or no credit history at all, the issuer may be unable to assess your creditworthiness, which could result in a denial of your credit card application.
Low Credit Score. A low credit score, often indicative of past financial difficulties or missed payments, may lead to a denial of your credit card application. Credit scores below a certain threshold may be considered risky by the issuer.
High Debt-to-Income Ratio. If you have a high debt-to-income ratio, meaning you have significant outstanding debt relative to your income, the issuer may view you as a higher credit risk and deny your application.
Recent Bankruptcy. If you have filed for bankruptcy recently, you may be denied a credit card as it indicates financial instability and an increased risk for the issuer.
Delinquent Accounts. If you have a history of late payments, defaults, or delinquent accounts on your credit report, it may signal to the issuer that you are not financially responsible and may lead to a denial of your application.
Multiple Recent Credit Applications. Applying for multiple credit cards or loans within a short period, especially if accompanied by rejections, may raise concerns for the issuer about your financial stability and lead to a denial.
How to Pay Off Credit Card Debt
Access Your Account. Sign in to your Chase online banking account or mobile app to access your credit card information.
Review Your Balance. Take a moment to examine your outstanding balance, including any accumulated interest or fees.
Choose a Payment Method. Determine how you wish to proceed with your payment. Chase provides several convenient options, such as online banking, mobile banking, in-person at a financial center or ATM, by phone, or through the mail.
Online Payment. If you opt for online payment, log in to your account, proceed to the bill pay section, and follow the prompts to initiate a payment. You can select to pay the minimum amount due, the full balance, or a customized amount.
Mobile Payment. Alternatively, you can utilize the Chase mobile banking app to complete a payment. Choose your Amazon Prime Rewards Visa credit card account and follow the prompts to finalize the payment process.
In-Person Payment. For those preferring in-person transactions, visit a Chase financial center or ATM. You can make a payment using cash, a check, or your debit card at the ATM, or seek assistance from a representative at the financial center.
Phone Payment. To make a payment over the phone, dial the Chase customer service number and follow the automated instructions to navigate to the payment section. From there, you can complete the payment using your checking account or debit card.
Mail Payment. Lastly, if mailing your payment suits your preference, utilize the payment address provided on your billing statement. Ensure to include your Amazon Prime Rewards Visa credit card account number on the check or money order and allow adequate time for delivery.
Confirm Payment. Following your payment submission, verify that it has been successfully processed. You can check your account balance online or via the mobile app to confirm the payment's application to your Amazon Prime Rewards Visa credit card debt.
Editorial Opinion
The Amazon Prime Rewards Visa Credit Card's value hinges on individual spending habits and financial needs. It offers substantial rewards for Amazon purchases and everyday expenses such as gas and dining, making it appealing for frequent Amazon shoppers and those who travel often using Chase Travel services. The lack of an annual fee further enhances its attractiveness by providing value without additional costs. However, the card’s high variable APR and the necessity of an Amazon Prime membership are essential considerations for potential cardholders. Therefore, this card is particularly advantageous for existing Prime members who can maximize the rewards based on their spending patterns in eligible categories.
Is the Amazon Prime Rewards Visa Credit Card worth it?
Determining whether the Amazon Prime Rewards Visa Credit Card is worth it depends largely on individual spending habits and financial needs. The card offers significant rewards for Amazon purchases and certain everyday expenses like gas and dining, making it particularly attractive for frequent Amazon shoppers and those who travel often using Chase Travel services. The absence of an annual fee further enhances its appeal, providing value without the extra cost of maintaining the card. However, the card’s high variable APR and the requirement of an Amazon Prime membership are factors that potential cardholders should consider before applying.
Who would benefit from acquiring the Amazon Prime Rewards Visa Credit Card?
The Amazon Prime Rewards Visa Credit Card is especially beneficial for individuals who frequently shop at Amazon, Amazon Fresh, and Whole Foods Market, as these purchases yield 5% back in rewards. Additionally, those who regularly spend on gas, dining, and local transit can take advantage of the 2% back in these categories. International travelers may also find this card advantageous due to the lack of foreign transaction fees. Therefore, Prime members who align their spending with these categories can maximize the rewards offered by this card, making it a valuable addition to their wallets.
Is it hard to get an Amazon Prime Rewards Visa Credit Card?
Obtaining the Amazon Prime Rewards Visa Credit Card can be relatively straightforward for those with a good credit score and an established credit history. However, like all credit cards, approval is contingent on meeting the issuer's creditworthiness criteria. Applicants with higher credit scores and a solid credit history are more likely to be approved. Additionally, since the card requires an eligible Prime membership to access its full benefits, existing Prime members might find the application process more worthwhile. Potential applicants should ensure they meet the basic eligibility requirements and maintain good financial standing to improve their chances of approval.