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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Reviews
Prime Visa card review: A must-have for Prime members
Emily Thompson specializes in beginner content as a credit cards editor. She taps into her prior experience as a high school English teacher to help others demystify credit scores and unlock experiences that credit card rewards can make possible.
Chris Nelson is a credit cards writer for TPG. He specializes in budget travel, hotels, earning elite status through minimal spending and redeeming points for maximum value.
also contributed to this story
November 11, 2025 • 8 min read
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The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.
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Quick summary
A store-branded card offers strong rewards at Amazon, Whole Foods and select travel, gas and dining merchants, making it appealing for frequent Amazon shoppers.
There is no annual fee, but a paid Prime membership is required to qualify for the card.
Cardholders benefit from protections like baggage delay insurance, extended warranty and lost luggage reimbursement, plus no foreign transaction fees.
Redemption is straightforward, with rewards usable at Amazon checkout, for cash back, gift cards or travel, and values remain consistent across these options.
What to consider
A Prime membership is mandatory to be eligible for the card, even though the card itself has no annual fee.
The card provides high returns at Amazon and Whole Foods, but other cards may offer better rewards at restaurants, gas stations or for general spending.
Applicants should be aware of approval criteria, such as the 5/24 rule and recommended credit score thresholds.
What you'll miss from the article
A detailed comparison of competing cards and guidance on maximizing value based on your shopping and rewards preferences.
Generated by AI with support from our editorial team.
Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
Amazon's Prime Visa is a solid earner, with bonus rewards on Amazon purchases, Chase Travel℠, gas, dining and commuting. That makes it a strong contender for those who spend big with Amazon and its affiliated brands. Card rating*: ⭐⭐⭐½
*Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
Most of the time, we recommend saying "no thanks" when a cashier (or online pop-up) asks if you want to apply for a store credit card at checkout. The discount you'll get on your purchase is rarely as valuable as the welcome bonuses other cards offer, and most store cards have disappointing earning structures.
But there are a few exceptions to that rule, and the Prime Visa is one of them.
The Prime Visa is worth considering if you spend a lot of your budget at Amazon or Whole Foods and want the best earning rate for those purchases for no annual fee.
We recommend that applicants have a credit score of 670 or above to increase their chances of approval. While the card itself has no annual fee, you’ll still need a paid Prime membership to qualify.
Although it offers solid rewards, it’s not the best fit for everyone. Here's what you need to know to decide if the Prime Visa deserves a spot in your wallet.
The information for the Prime Visa has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Prime Visa pros and cons
Pros
Cons
No annual fee
Bonus rewards on Amazon and Whole Foods
Exclusive bonuses on items and categories on Amazon
Doesn't hold much value for those who don't use Amazon often
An eligible Prime membership is required
Prime Visa welcome offer
Currently, the Prime Visa offers a $150 Amazon gift card instantly upon approval, exclusively for Prime members.
THE POINTS GUY
When you consider that this is a no-annual-fee card, that's a solid welcome bonus — especially since it's delivered instantly upon approval, with no spending requirement.
Although this card has no annual fee, you need a Prime membership to get the Prime Visa. Since this is a Chase card, you'll want to be under Chase's 5/24 rule to increase your chances of approval.
Additionally, the Prime Visa doesn't charge foreign transaction fees, a huge plus for a card without an annual fee.
AMERICAN EXPRESS
It seems like we hear a new horror story of someone's lost luggage every day, so having baggage protection on top of earning bonus rewards on your Apple AirTags purchase through Amazon is a great benefit.
Finally, cardholders usually get access to early deals during Prime Day and can earn boosted rewards during these sales events.
Earning cash back on the Prime Visa
The Prime Visa earns 5% back on the following categories:
Finally, cardholders can earn 10% back or more on a rotating selection of products and categories on Amazon.
You'll earn 1% back on all other purchases.
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No other card consistently offers this high of a return on Amazon purchases, so this earning structure is excellent for anyone who spends a large portion of their budget at Amazon and Whole Foods.
If you want to stick to just one card, the additional 2% back categories are decent for day-to-day spending.
However, you can get higher earning rates on gas, restaurants and other everyday spending categories with other cards, so the Prime Visa works best as just one part of a larger card strategy.
One of the Prime Visa's best qualities is the ease of redeeming rewards. You'll see your rewards on your Amazon checkout screen and can use them to pay for part or all of your purchases at Amazon.com.
Alternatively, you can redeem your rewards for cash back, gift cards or travel through Chase Travel.
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Other cards allow you to use your rewards to pay for your Amazon purchases, but the redemption value you'll get for your rewards is generally less than what the Prime Visa can provide.
For instance, Chase Ultimate Rewards points are worth 2.05 cents apiece, according to TPG's November 2025 valuations — but you get less than 1 cent per point if you use those points to pay for a purchase on Amazon.com.
On the other hand, your Prime Visa rewards are worth the same whether you use them to cover an Amazon purchase, receive cash back or book travel through Chase Travel.
If you don't have a Prime membership or don't spend much of your budget at Amazon or Whole Foods, one of these cards may be a better choice for you:
If you want to earn more on other online purchases: The has no annual fee (see rates and fees) and earns 3% cash back on U.S. online retail purchases (up to $6,000 per year in purchases, then 1% back). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout. To learn more, check out our full review of the Amex Blue Cash Everyday.
If you want to earn more on dining and drugstore purchases: The (see rates and fees) has no annual fee and earns bonus rewards on dining and drugstores, with no spending cap. To learn more, check out our full review of the Freedom Unlimited.
If you want to earn a flat rate on all your purchases: The (see rates and fees) has no annual fee and earns 2% back on all purchases (1% when you buy and 1% when you pay). To learn more, check out our full review of the Citi Double Cash.
If you already have a Prime membership and want to earn cash-back rewards, the Prime Visa is a good card to start with or add to your existing portfolio. However, if you don't have a Prime membership or are focused on earning travel rewards, you'll probably get more value from a different card.
Bottom line
The Prime Visa is a great choice if you prefer cash back over complex travel rewards. It earns an unbeatable 5% back at Amazon and Whole Foods, with straightforward redemption options, for no annual fee.
But if you plan to use points and miles for your next big trip, you'll want to use a card that earns travel rewards on your Amazon purchases instead.
No matter which route you choose, you can't go wrong with a card that earns rewards every time you click "Buy now" on Amazon.
For rates and fees of the Blue Cash Everyday Card from American Express, click here.
