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The Amazon Prime Rewards Visa Signature Card is metal and features strong rewards and useful shopping protections for the Amazon and Whole Foods shopper, in exchange for an Amazon Prime membership. If the cost is too high, there’s the Amazon Rewards Visa Signature Card, which requires no subscription but has lower rewards.
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We give the Amazon Prime Rewards Visa Signature Card 5 out of 5 Stars. If you’re already a Prime member, there’s no reason not to have this card and earn great rewards for your purchases.
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The Amazon Prime Rewards Visa Signature doesn’t have an annual fee, but it does require you to have a Prime subscription. So, if you’re already a Prime member, you’ve already completed the most important step. Why not earn some cash back for purchases you’re already making?
If you don’t have a Prime membership, there’s the Amazon Rewards Visa Signature Card. No subscription (or annual fee) is asked of you, but the rewards are less impressive.
There aren’t many perks attached aside from the shopping and travel protections, but those could end up being plenty helpful for Amazon customers, particularly the shopping protections. If one of your new purchases breaks, you could be reimbursed for the cost. Or, if an old purchase suddenly stops working, it could still be covered thanks to the extended warranty perk. Your new Bluetooth speaker and Baby Yoda will be all the safer, just in time for the holidays.
Are you on the fence about an Amazon card? We can help with your decision. Amazon Credit Cards: Are They Worth It?Spending Rewards |
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This card provides a strong rewards rate for Amazon and Whole Foods purchases. So strong, in fact, that it’s one of the highest cash back rates available. And the 2% it earns in other categories is pretty good too.
The welcome bonus is, uniquely, an Amazon gift card, and doesn’t require any spending to reach. Upon approval, it’ll immediately be added to your account, and you’ll be free to put it towards any and all Amazon purchases, including those you might have waiting on your Shopping List.
The cash back you earn will actually show up on your monthly statement and when you log in to your Chase account as points, which are typically worth 1¢ each. So, for a $100 gas purchase you’d get 200 points, which are worth $2.00.
Redeeming your rewards is simple enough, and you’ll have a number of different options to choose from. Once you’ve amassed at least 2,000 points, you’ll be able to:
However, we don’t recommend using your rewards at checkout, because that would prevent you from earning rewards on the amount you’re redeeming for.
If your total comes to $100, and you redeem 2,000 points (the equivalent of $20), the amount charged to your card would be $80. From that, you’d earn $4 in cash back ($80 x 5%) instead of earning $5 from the original $100 balance ($100 x 5%). A dollar difference might not seem like much now, but over time, it could add up.
Your best bet is to redeem your rewards for statement credits, or deposit them into a bank account. That way you’ll earn the full rewards on your purchases, and could still use your redeemed rewards to help pay for them.
Cardmembers get a nice selection of Visa Signature shopping and travel protections. These protections will cover new purchases and help out while traveling.
The Amazon Prime Rewards is a metal credit card! This adds a satisfying heft, and distinguishes it from the Amazon Rewards Visa Signature Card a bit more. It’s actually one of the only metal credit cards with no annual fee.
Purchase APR | Balance Transfer APR | Cash Advance APR |
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14.24% to 22.24% Variable | 14.24% to 22.24% Variable | 24.99% Variable |
Annual Fee | Foreign Transaction Fee |
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$0 | None |
Balance Transfer Fee | Cash Advance Fee |
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5%, $5 minimum | 5%, $10 minimum |
Penalty APR | Late Fee | Returned Payment Fee |
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None | Up to $39 | Up to $39 |
The Amazon Prime Rewards Visa Signature Card is a pretty good deal, and if you’re a frequent Amazon shopper, you won’t want to miss out on the potential rewards it offers.
If you’re already paying for Prime, adding this card to your arsenal should be a no-brainer. You’d earn rewards for purchases you’re likely already making. But if you aren’t a Prime member and don’t feel like signing up, you could always consider the Amazon Rewards Visa Signature Card.
While the perks that come with the Prime Rewards card aren’t super impressive, they could help you get more out of your Amazon.com purchases by protecting them against the winds of change.
To apply now for the Amazon Prime Rewards Visa Signature, just follow the link below. You’ll be directed to Amazon’s website where you can securely apply. You’ll likely hear back instantly about whether you’ve been approved or denied.
Amazon’s site indicates you could be approved with fair credit, but obviously, the higher the credit rating the better.
To qualify for fair credit, your credit scores would need to fall within the ranges of 580–669 for FICO and 650–699 for VantageScore.
However, credit card issuers will take other information into account while making the decision. Issuers will consider things like your income and any monthly mortgage or rent payments, meaning even if your scores are below those ranges, you might still be approved.
But that also means even if your scores are as high or higher than what’s recommended, you could still be denied.
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The benefits include Visa Signature Concierge, which can help you find event tickets, make dinner reservations, or locate a specific item, and Visa Signature Luxury Hotel Collection. The luxury hotel collection will give you the best rates, supply room upgrades when they’re available, and provide other amenities like complimentary WiFi.
There’s also a handful of shopping and travel protections. These include purchase protection, extended warranty, rental car insurance, and travel accident insurance. In addition, you’ll be able to earn cash back on all of your purchases.
The minimum credit limit for this card is $500, but your credit limit will be determined by several factors. Those factors include your credit scores and your income, meaning it will vary from person to person. If you’re not happy with your initial credit limit, you can request an increase in time.
If you lose your Amazon Prime membership, you’ll still be able to use your card, but your rewards rate will drop from 5% cash back at Amazon and Whole Foods to 3%. The next time your card is renewed, you’ll be issued the Amazon Rewards Visa Signature Card instead.
Amazon’s not your favorite way to shop? Here are some alternatives that might suit you better.
The Amazon Rewards Visa Signature Card is the non-Prime version of the Amazon Prime Rewards Visa Signature card.
As such, it features slightly less impressive rewards, offering 3% cash back for Amazon and Whole Foods purchases rather than 5%. The other rewards are the same, as are the benefits. Meaning your Amazon purchases will still be protected, and so will you while you travel.
The main difference, aside from the rewards, is that you don’t need to be an Amazon Prime member to get it.
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The Blue Cash Preferred® Card from American Express (Review) has one of the highest cash back reward rates around, and earns on purchases you’re already making.
It has an annual fee, though it’s less than the cost of an Amazon Prime membership. And, with its impressive 6% cash back at U.S. supermarkets (up to $6,000 spent annually, then 1%) and on select U.S. streaming services, you should earn enough rewards to cover that fee. Those streaming services even include Amazon Prime Video.
You can also use the Blue Cash Preferred to purchase gift cards, including Amazon’s, which most grocery stores carry. This handy tactic allows you to earn that 6% rate on more than just groceries, expanding your earnings to other stores and even restaurants.
You’ll still get a nice selection of shopping and travel protections, including one the Amazon card doesn’t offer: If the retailer won’t take back a purchase you’ve made, return protection could help you be reimbursed for it regardless.
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American Express is a Credit Card Insider advertiser.
The Citi® Double Cash Card – 18 month BT offer (Review) is one of the best choices available for flat-rate, no annual fee cash back cards.
While it doesn’t earn nearly as much as the Amazon card, it doesn’t require any subscriptions or annual fee, and offers a pretty good rate for every purchase. There are no bonus categories to keep track of, and you won’t be restricted in where you’ll earn the most rewards. So if you have a wide variety of expenses, the Double Cash could be the right move.
Or you could always use the cards together. Use the Amazon card when shopping with Amazon and Whole Foods, and the Double Cash for everything else.
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Citi is a Credit Card Insider advertiser.
The Costco Anywhere Visa® Card by Citi (Review) is a pretty good offer from Costco, which, similar to Amazon, houses one of the largest collections of products around. If you prefer to go out shopping yourself, maybe Costco is a better fit than Amazon.
While there isn’t an annual fee, the card does require you to be a Costco member. As of publication, the price of a Costco membership is $60 a year, which is nearly half of what Amazon Prime will run you annually.
But with that reduced membership fee comes less impressive rewards (only 2% back at Costco). However, if you don’t feel like shelling out for an Amazon Prime membership and still want a nice selection of goods to choose from, a Costco membership paired with a Costco card is definitely a viable option.
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Citi is a Credit Card Insider advertiser.
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Do you use the Amazon Prime Rewards Visa Signature Card? Let us know how you like it below!
Interested in other retailers? See our favorite store credit cards. Best Retail Store Credit Cards of January 2021For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.
Evan graduated from SUNY Oswego with a degree in journalism and creative writing. In his professional writing career, he strives for precision and comprehension in his work. He’s written news articles, blog posts, and copy, working across a slew of different mediums. With in-depth research and great care for accuracy and detail, he now works to bring you the most up-to-date credit information.
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