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Amazon Rewards Visa Card Review

Amazon Rewards Visa Card Review

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been 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 Rewards Visa Card best for?

If you regularly shop at Amazon, the Amazon Rewards Visa Card 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 Amazon Prime Rewards Visa Signature Card, since it offer a higher cash back rate at Amazon and Whole Foods.

We highlight the pros and cons of the Amazon Rewards Visa Card, 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.

The information related to the Amazon Rewards Visa Card has been independently collected by LendingTree and has not been reviewed or provided by the issuers of these cards prior to publication.

Amazon Rewards Visa Card 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
    N/A
  • 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

17.24% to 25.24% Variable

Intro BT APR

N/A

Regular BT APR

17.24% to 25.24% Variable

Annual Fee

$0

Cash Advance Fee

N/A

Foreign Transaction Fee

3%

Balance Transfer Fee

$5 or 3% 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 Rewards Visa Card

  • Cash back in popular spending categories

    The Amazon Rewards Visa Card lets cardholders earn 5% back at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% back at restaurants, gas stations and drugstores 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 Rewards Visa Card offers a Get a $60 Amazon gift card upon approval.

  • Annual fee

    The Amazon Rewards Visa Card comes with a $0 annual fee.

What to watch out for with the Amazon Rewards Visa Card

  • Lower earning potential for non-Prime members

    Although the Amazon Rewards Visa Card 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 Amazon Prime Rewards Visa Signature Card, which offers 5% back at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% back at restaurants and gas stations and 1% back on all other purchases.

  • No intro APR offer

    If you carry a balance on your Amazon Rewards Visa Card from month to month, you will be subject to interest charges at an APR of 17.24% to 25.24% 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 Rewards Visa Card 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 Rewards Visa Card

Compare it to the Discover it® Cash Back

| Disclosures
Discover it® Cash Back
Discover it® Cash Back
on Discover's secure site
0% Intro APR for 15 months
15.74% - 26.74% Variable APR
$0
5% cash back on everyday purchases at different places each quarter like
  • INTRO OFFER: Unlimited Cashback Match – 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 each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • Get a 0% intro APR for 15 months on purchases. Then 15.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click "Apply Now" to see terms and conditions.
660 720 850
Excellent/Good

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 offers 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

In fact, cardholders can earn the bonus cash back rate on Amazon.com purchases —including merchandise, digital downloads, Amazon.com gift cards, Amazon Fresh orders, Amazon Prime subscriptions and more — during the fourth quarter of 2022. 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 – 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 15.74% - 26.74% Variable APR applies. There’s also a 0% Intro APR for 15 months on balance transfers, after which a 15.74% - 26.74% Variable APR applies.

Compare the Amazon Rewards Visa Card to similar cards

Comparison of four different credit cards
Amazon Rewards Visa Card Discover it<sup>®</sup> Cash Back Amazon Prime Rewards Visa Signature Card Chase Freedom Flex℠
Amazon Rewards Visa Card Discover it® Cash Back Amazon Prime Rewards Visa Signature Card Chase Freedom Flex℠
Apply Now
on Chase's secure site
Apply Now
on Discover's secure site
Read Review
Apply Now
on Chase's secure site
Welcome Offer
Get a $60 Amazon gift card upon approval Unlimited Cashback Match – 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. Get a $150 Amazon Gift Card instantly upon approval. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!
Rewards Rate
5% back at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases. 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically 5% back at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% back at restaurants and gas stations and 1% back on all other purchases. 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
Annual Fee
$0 $0 $0 $0
Intro Purchase APR
N/A 0% Intro APR for 15 months N/A 0% Intro APR on Purchases for 15 months
Regular APR
17.24% to 25.24% Variable 15.74% - 26.74% Variable APR 17.24% to 25.24% variable 18.74% - 27.49% Variable
Intro Balance Transfer APR
N/A 0% Intro APR for 15 months N/A 0% Intro APR on Balance Transfers for 15 months
Regular Balance Transfer APR
17.24% to 25.24% Variable 15.74% - 26.74% Variable APR 17.24% to 25.24% variable 18.74% - 27.49% Variable
Recommended Credit
N/A Excellent/Good N/A Excellent/Good
Card Details
Amazon Rewards Visa Card Discover it® Cash Back Amazon Prime Rewards Visa Signature Card Chase Freedom Flex℠

Is the Amazon Rewards Visa Card 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 Rewards Visa Card. 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.

Just know, because the Discover it® Cash Back categories rotate each quarter, you aren’t guaranteed to earn the 5% cash back rate at Amazon.com every month.

The information related to the Amazon Prime Rewards Visa Signature Card has been independently collected by LendingTree and has not been reviewed or provided by the issuers of these cards prior to publication.

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