Amazon / ChasePrime Visa Amazon

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Store Cards · United States

Prime Visa (Amazon)

4.7 / 5 editorial rating

Best for: Prime members who spend heavily at Amazon and Whole Foods

Reviewed by the CreditCardCompare editorial team · Fees and rates checked September 2026 — confirm on the issuer's site before you apply

Annual feeNo annual fee

IssuerAmazon / Chase

NetworkVisa

Purchase APR20.49%–29.24% variable

Foreign transaction feeNone

Credit neededGood (690+)

Pros

No annual fee, though Prime is required
Earns a lot at Amazon
No foreign purchase fee

Cons

The 5% rate depends on having Prime
Counts against Chase 5/24

Compare USA cards

Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.

Our take on the Prime Visa (Amazon)

The Prime Visa is the best choice for a Prime member who spends heavily at Amazon and Whole Foods Market, because 5% back there with no annual fee is hard to beat for that specific spending. As of September 2026 Chase lists 5% at Amazon.com, Audible, Whole Foods Market and Chase Travel with an eligible Prime membership, 2% at gas stations, restaurants and on local transit and commuting, and 1% elsewhere.

The catch is that the card is only as good as your Prime habit. Without Prime, the Amazon and Whole Foods rate drops to 3%, and Prime has its own membership cost, so we treat that cost as the card's real annual fee if you would not otherwise pay it. A quick check: divide your Prime price by 0.03, the gap between 5% and a 2% flat-rate card, to see how much Amazon and Whole Foods spending it takes to justify Prime through the card alone.

Outside Amazon it is ordinary. The 2% categories match what a flat-rate card pays on everything, and 1% on other purchases is weak. We see it as a second card for a household that already runs much of its shopping through Amazon, not as a main card. The lack of a foreign transaction fee is a useful extra.

Good fit if

You already pay for Prime and spend $200 or more a month at Amazon and Whole Foods Market
You buy Audible titles or book trips through Chase Travel and want 5% on them
You want a card that earns at Amazon and still avoids fees on purchases abroad

Skip it if

You don't have Prime and don't plan to pay for it
You want one card for all spending, since 1% on most purchases trails flat-rate cards

Worked example

If you spend $300 a month at Amazon, $200 at Whole Foods Market, $150 at restaurants and gas stations combined, and $800 on everything else, the yearly totals are $6,000 at 5% ($300), $1,800 at 2% ($36) and $9,600 at 1% ($96). That is $432 in rewards with no annual fee, assuming you keep an eligible Prime membership. The 5% portion is what separates it from a 2% flat-rate card, which would earn $120 on the same $6,000 instead of $300. We value the rewards conservatively as plain cash, with no premium for redeeming at Amazon checkout.

How it stacks up

Against the Costco Anywhere Visa, the choice follows where your household shops: Costco's card pays 2% on Costco purchases and 4% to 5% on gas, while the Prime Visa pays 5% at Amazon and Whole Foods. For spending outside Amazon, the Citi Double Cash earns 2% on everything, so many Prime members keep both and use the Prime Visa only for Amazon and Whole Foods.

Only worth it if you already pay for Prime, since the 5% at Amazon and Whole Foods is gated behind that membership; lapse it and the rate drops. For a household spending $4,000 a year on Amazon that's $200 back, plus bonus rates at restaurants and gas and no annual fee on the card itself. If you don't keep Prime, a flat 2% card earns more on the same Amazon spend. Reward rates have shifted before, so confirm the current structure on amazon.com.