How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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Advertising Disclosure
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Amazon Visa Review

LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
4.3
Amazon Visa
Rewards
3% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases, 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and 1% back on all other purchases.
Sign-up bonus
$100 Amazon Gift Card instantly upon approval.
Regular APR
19.49%–27.49% (variable)
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It was not reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Who is the Amazon Visa best for?

If you regularly shop at Amazon, the Amazon Visa provides a great opportunity to earn cash back that can be used to help offset the cost of future purchases. Along with Amazon.com, the card offers an elevated cash back rate at Whole Foods Market, restaurants, gas stations and drugstores. The $0-annual-fee card also offers an Amazon gift card immediately upon card approval.

That said, if you have an Amazon Prime membership, you may be better off with the Prime Visa, since it offer a higher cash back rate at Amazon and Whole Foods.

We highlight the pros and cons of the Amazon Visa, and show how it compares to another cash back card — the Discover it® Cash Back — to help you determine which is the right fit for you.

Amazon Visa overview

    • No Amazon Prime membership required
    • 3% back at Amazon.com and Whole Foods Market
    • 2% back at restaurants, gas stations and drugstores
    • 1% back on all other purchases
    • No foreign transaction fees
  • Recommended Credit
    Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
  • Extended warranty protection
  • Purchase protection
  • Baggage delay insurance
  • Travel accident insurance
  • Lost luggage reimbursement
  • Visa Concierge Service
  • Zero Liability Protection

Intro Purchase APR

N/A

Regular Purchase APR

19.49%–27.49% (variable)

Intro BT APR

N/A

Regular BT APR

19.49%–27.49% (variable)

Annual Fee

$0

Cash Advance Fee

Either $5 or 4% of the amount of each transaction, whichever is greater

Foreign Transaction Fee

$0

Balance Transfer Fee

Either $5 or 4% of the amount of each transfer, whichever is greater

Pros and cons

Pros

  • Cash back in popular spend categories
  • Easy-to-earn sign-up bonus
  • $0 annual fee

Cons

  • Lower earning potential for non-Prime members
  • No intro APR on purchases
  • Eligibility limitations

What we like about the Amazon Visa

  • Cash back in popular spending categories

    The Amazon Visa lets cardholders earn 3% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases, 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and 1% back on all other purchases.

    You can use your rewards to pay for part or all of your purchase during checkout at Amazon.com. Rewards can also be redeemed for cash back, gift cards or travel at Chase.com.

     

  • Easy-to-earn sign-up bonus

    Unlike most rewards cards that require you to spend a specific amount within a given timeframe in order to earn a sign-up bonus, the Amazon Visa allows you to $100 Amazon Gift Card instantly upon approval..

  • Annual fee

    The Amazon Visa comes with a $0 annual fee.

What to watch out for with the Amazon Visa

  • Lower earning potential for non-Prime members

    Although the Amazon Visa offers a decent cash back rate on Amazon and Whole Food Market purchases, know that you can earn a higher rate of 5% back on those purchases if the Amazon.com account through which you apply for the card has an eligible Prime membership.

    With Prime membership, you may be eligible for the Prime Visa, which allows you to earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% on all other purchases

  • No intro APR offer

    If you carry a balance on your Amazon Visa from month to month, you will be subject to interest charges at an APR of 19.49%–27.49% (variable), since the card doesn’t offer an intro APR on purchases.

    If you need to finance a large purchase and pay it off over time, you may be better off with a card that offers a 0% intro APR on purchases for a year or longer.

     

  • Eligibility limitations

    Because the Amazon Visa is issued by Chase, beware that it’s subject to the issuer’s “5/24 rule.” This means, if you opened five personal credit cards from any issuer in the last 24 months, you won’t be eligible for a new Chase credit card.

Alternate card to the Amazon Visa

Compare it to the Discover it® Cash Back

| Disclosures
Discover it® Cash Back
Discover it® Cash Back
apply-now-icon Apply Now
on Discover's secure site
Rates & Fees
0% Intro APR for 15 months
17.24% - 28.24% Variable APR
$0
Earn 5% cash back on everyday purchases at different places you shop
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Terms and conditions apply.
660 720 850
Good/Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

 

If you’d prefer a card that offers a generous cash back rate in a variety of categories that rotate quarterly, as well as an intro APR on purchases and balance transfers for more than a year, you may want to consider the Discover it® Cash Back.

The $0-annual-fee card lets you earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. Redeem your rewards for cash at any time.

In fact, cardholders can earn the bonus cash back rate on purchases made at gas stations and electric vehicle charging stations, home improvement stores and public transit during the second quarter of 2024. Rewards can be redeemed for statement credit or used to make purchases at Amazon.com and PayPal.

The Discover it® Cash Back also offers the following sign-up bonus: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Additionally, cardholders receive a 0% Intro APR for 15 months on purchases, after which a 17.24% - 28.24% Variable APR applies. There’s also a 0% Intro APR for 15 months on balance transfers, after which a 17.24% - 28.24% Variable APR applies.

Is the Amazon Visa right for you?

If you want to earn a solid cash back rate on Amazon.com and Whole Foods Market purchases, but don’t have an Amazon Prime membership, you may want to consider the Amazon Visa. Along with offering rewards in a variety of everyday spending categories, the card comes with an Amazon gift card upon approval and charges a $0 annual fee.

But if you want the opportunity to earn a higher cash back rate in a wider range of spending categories that rotate quarterly, the Discover it® Cash Back may be a better fit. Additionally, the card offers an intro APR on purchases and balance transfers for more than a year.

The information related to the Amazon Visa has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.