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Amazon Rewards Visa Signature Card
The Amazon Rewards Visa Signature Card is a rewards credit card designed for frequent Amazon.com and Whole Foods Market shoppers. The card earns 3% back in points for spending at Amazon.com, Amazon Fresh, Whole Foods and Chase Travel; 2% back at U.S. gas stations and U.S. restaurants and on local commuting; and 1% back on all other purchases.
The Amazon Rewards Visa Signature Card offers a $60 Amazon.com gift card upon approval. The gift card value will increase to $100 if you have an eligible Amazon Prime membership upon approval for the card.
- Issuer NameChase
- Credit NeededGood/Excellent
- Annual Fee$0
- APR18.99% – 26.99%
- Balance Transfer Fee$5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance FeeEither $5 or 4% of the amount of each transaction, whichever is greater
- Make frequent purchases at Amazon.com or Whole Foods Market.
- Don’t want to pay an annual fee or foreign transaction fee.
- Aren’t looking for a big sign-up bonus.
Frequent Amazon shoppers can get value from the Amazon Rewards Visa Signature Card. Rewards earning is the main draw and the rewards are easy to redeem. You might save up your Amazon rewards to cash out for holiday spending on Amazon.com.
Amazon Rewards Visa Signature Card rewards can be redeemed on your Amazon checkout screen when you pay for purchases. Or you can opt to get cash back, gift cards or travel on Chase.com. If you pay for your Amazon.com purchases with your Amazon Rewards Visa Signature Card and then redeem cash back to your card, you can still earn rewards while making a redemption – a bit of a double dip.
Just don’t let rewards earning encourage you to overspend, as this is not a card you should carry a balance on. With no 0% introductory APR and a 18.99% to 26.99% APR, you’ll pay interest on any balance you carry month to month.
Editor’s Take
The Amazon Rewards Visa Signature Card is one of a handful of cards you can use to earn rewards on Amazon purchases. It’s not as powerful as the Prime Visa, which earns a larger gift card on approval and earns more rewards on Amazon, Amazon Fresh, Whole Foods and Chase Travel purchases. However, the Amazon Rewards Visa Signature Card doesn’t require a paid Prime membership to use the card, which the Prime Visa does.
If you use Amazon.com for business purchases, you might benefit from the Amazon Business American Express Card, which earns 3% back on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market on the first $120,000 in purchases each calendar year. Alternatively, you can choose 60-day terms to spread out payments instead of earning rewards. Amazon Business cardholders with a Prime membership will earn even more rewards.
Stephanie SteinbergStaff Writer
The Amazon Rewards Visa Signature Card offers a $60 Amazon.com gift card upon approval. The gift card value will increase to $100 if you have an eligible Amazon Prime membership upon approval for the card. The sign-up bonus is automatic and requires no minimum spending.
The Amazon Rewards Visa Signature Card earns rewards at its highest rate – 3% back – at Amazon.com, Amazon Fresh, Whole Foods and Chase Travel. It’s also a good idea to use the card when making purchases with U.S. restaurants, U.S. gas stations or local transit, where you’ll earn 2% back. The card offers 1% back on all other purchases.
If you frequently shop with Amazon and Whole Foods, you might consider investing in an Amazon Prime membership, which costs $14.99 per month or $139 a year. A Prime membership comes with free shipping benefits on Amazon.com, which means the membership cost may pay for itself for frequent Amazon shoppers. Eligible Prime members can also get the Prime Visa, which earns 5% back on Amazon.com, Amazon Fresh, Whole Foods and Chase Travel.
You can redeem your points for cash or to make purchases at Amazon.com. It’s also possible to redeem for travel, gift cards and more.
U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.
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