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Review

Review of the Amazon Rewards Visa Signature and Amazon Prime Rewards Visa Signature

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Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 15.74%–23.74% Variable
Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 15.74% to 23.74% Variable

If you’re one of the millions of frequent Amazon shoppers, you should probably be using one of their no-annual-fee Visa Signature rewards cards for all your purchases, especially if you have Amazon Prime.

This review covers the Amazon Rewards Visa Signature Card and the Amazon Prime Rewards Visa Signature issued by Chase. There’s also the Amazon.com Store Card (Review) issued by Synchrony Bank, but the two in this review are probably the ones you should consider, unless you want to pay for a large Amazon purchase over time.

You can use these cards anywhere Visa cards are accepted, and you’ll earn rewards when you do, but you’ll get the most rewards value from these cards when you’re shopping on Amazon. Another nice touch is that these cards have no foreign transaction fees, so they won’t cost you more to use abroad.

Here’s a quick breakdown of the differences:

  • Amazon Rewards Visa Signature: For people who don’t have Amazon Prime. Earns 3% back at Amazon and Whole Foods, 2% at restaurants, gas stations, and drug stores, and 1% on all other purchases.
  • Amazon Prime Rewards Visa Signature: For people who subscribe to Amazon Prime. Earns 5% back at Amazon and Whole Foods, 2% at restaurants, gas stations, and drug stores, and 1% on all other purchases. This one’s also made out of metal.
Amazon Rewards Visa Signature Card

Amazon Rewards Visa Signature Card

Our rating
Min. credit levelGood
Details
Annual Fee$0
Regular APR15.74%–23.74% Variable
Apply Now

securely on the issuer's website

  • Earn 3% cash back at Amazon.com and Whole Foods Market
  • Earn 2% cash back at gas stations, restaurants, and drugstores
  • Earn 1% cash back on all other purchases
  • See your rewards earnings at Amazon checkout
  • Visa Signature benefits, including a Concierge and the Luxury Hotel Collection
  • No annual fee or foreign transaction fees
Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card

Our rating
Min. credit levelGood
Details
Annual Fee$0
Regular APR15.74% to 23.74% Variable
Apply Now

securely on the issuer's website

  • Requires active Prime membership
  • Cash back can be redeemed for statement credits or at Amazon.com checkout
  • Earn 5% back at Amazon.com and Whole Foods Market
  • Earn 2% back at gas stations, restaurants, and drugstores
  • Earn 1% back on all other purchases
  • Get a $70 Amazon.com Gift Card instantly upon credit card approval

Our Rating: 5 Out of 5 Stars

If you shop on Amazon, there’s no reason not to get one of these cards, as long as you have excellent credit and use the card responsibly by paying on time, in full, every month to avoid interest.

Since there’s no annual fee, you may as well get one of these Amazon rewards cards just for your Amazon purchases. It might also be a top pick for other types of spending, depending on what other cards you have.

There’s a rare chance you could earn more rewards value with other cash back cards, but it’s unlikely you’ll find other cards that can consistently earn you more for Amazon spending.

Insider Advice: Using These Cards as Part of Your Credit Card Strategy

  • Get one of these cash back credit cards to use for all your Amazon shopping, especially if you’re a Prime member.
  • Only redeem your rewards as a statement credit instead of at Amazon checkout so you earn rewards on the full amount of your purchases.
  • Use these cards for non-Amazon purchases when you won’t earn more rewards value with another card.

The Rewards

Earning

Amazon Rewards Visa Signature

This card will earn you:

  • 3% back on Whole Foods and Amazon.com purchases
  • 2% back at restaurants, gas stations, and drugstores
  • 1% back on every other purchase
  • A $50 Amazon Gift Card when you’re approved for the card

Amazon Prime Rewards Visa Signature

This card will earn you:

  • 5% back on Whole Foods and Amazon.com purchases (including your Prime membership fee)
  • 2% back at restaurants, gas stations, and drugstores
  • 1% back on every other purchase
  • A $70 Amazon Gift Card when you’re approved for the card

The Amazon Prime Rewards Visa Signature is almost the same as the non-Prime version, but it’s only for Prime subscribers. It earns 5% back instead of 3% back on Amazon and Whole Foods purchases, and comes with a bigger bonus when you’re approved.

The rewards show up on your statement and when you log into your Chase account as points that are worth 1¢ each. So, for a $100 gas purchase you’d get 200 points, which are worth $2.00.

The $50 or $70 Amazon.com Gift Card you get when you’re approved is a great sign-up bonus. It gets added to your account immediately and automatically when you’re approved for your new card, so you can start spending it right away. The card itself will also be automatically added to your Amazon account upon approval, so you can start using it right away, before it arrives in the mail.

There aren’t many other cards that can consistently earn you 3% cash back equivalent value when shopping at Amazon and Whole Foods, let alone 5%. The Discover it® Cash Back (Review) has rotating 5% categories, and sometimes they include Amazon purchases. (You’ll need to activate the categories before you can earn 5% back, and that rate is limited to the first $1,500 spent per quarter; then you’ll earn 1%).

That card may be able to earn you the same rewards value, or more, on Amazon, but only for one or maybe two quarters of the year. Discover also doubles the cash back rewards for the fist year, so it could effectively earn 10% cash back on Amazon for 1–2 quarters in the first year, but not consistently.

When it comes to non-Amazon purchases, 2% cash back equivalent on restaurants, gas stations, and drugstores is pretty good, but you may be able to do better with another card. For example, if you have a Chase Sapphire Preferred® Card (Review) or Chase Sapphire Reserve® (Review) you could earn a lot more rewards value on spending at restaurants.

For purchases where you would earn 1%, you can probably earn more rewards value with another card. For example, there are plenty of cards that earn at least 1.5–2% on all purchases, like the Chase Freedom Unlimited® (Review) or Citi® Double Cash Card - 18 month BT offer (Review).

Redeeming

There are several ways you can redeem your rewards on this card, and we recommend redeeming for statement credits or depositing rewards to a checking account.

At Checkout on Amazon.com

Once you start using the card and paying your bill, you’ll start to see rewards points when you check out on Amazon that you can apply to your purchase. We don’t recommend redeeming your rewards this way, because then you won’t be earning rewards on the amount you’re redeeming.

For example, let’s assume you are making a purchase on Amazon for $100, and you already have 2,000 points ($20 worth) that you’ve earned in previous statement periods. You could apply those points at checkout, and that would reduce the amount you need to pay for the purchase to $80, which you could charge to your Amazon card. Assuming you have the Prime Rewards Visa Signature, you’d earn $4 in rewards value on that purchase ($80 x 5%).

If you had put the full $100 purchase on your card, you would have earned $5 in rewards value ($100 * 5%). So, by cashing in your rewards points at checkout you’re missing out on that extra $1 of rewards value. That may not sound like much, but over time the difference could add up.

By always charging the full amount of the purchase on your Amazon card instead of redeeming points at checkout, you’ll be able to earn rewards on your entire purchase, then reduce your bill later by redeeming the points for statement credits.

Statement Credit or Deposit into Bank Account

When you sign into your account on the Chase website, you’ll see your rewards points balance.

By following a few simple steps, you can cash in those points at a value of 1¢ each for statement credit, or you can deposit the rewards value into a bank account.

This redemption method is possible any time you have at least 2000 points. You don’t have to redeem in any specific increments, though, so you could do this every time you hit the minimum while still getting the full rewards value on every Amazon purchase you make as long as you pay for the whole order with your card.

On the Chase website, click Redeem then Redeem Rewards to start the process.

Redeem points for gift cards

Once you’re in the Chase rewards portal for this card, you can choose to redeem points for gift cards. Last we checked, most gift cards were valued at 1¢ per point, so it’s not a bad redemption option, but redeeming for a statement credit or depositing rewards to a bank account gives you more flexibility.

The Costs & Fees

Card Annual Fee Regular APR Regular Balance Transfer APR Cash Advance APR Foreign Transaction Fee
Amazon Rewards Visa Signature Card $0 15.74%–23.74% Variable 15.74%–23.74% Variable 26.49% Variable None
Amazon Prime Rewards Visa Signature Card $0 15.74% to 23.74% Variable 15.74% to 23.74% Variable 26.49% Variable None
Card Penalty APR Late Fee Returned Payment Fee
Amazon Rewards Visa Signature Card None Up to $39 Up to $39
Amazon Prime Rewards Visa Signature Card  None  Up to $39 Up to $39

Neither card has an annual fee, which is great for options with such high rewards potential.

You’ll want to pay your balance in full and on time every month to avoid interest fees, which will quickly eat up any rewards value you earn.

The cards allow balance transfers and cash advances, although they don’t provide competitive balance transfer offers. If you’re looking to transfer a balance, it’s likely you can find a card with no balance transfer fee.

The Bottom Line

Frequent Amazon shoppers are likely missing on lots of rewards value by not using one of the Visa Signature cards, especially Amazon Prime customers. These card offers are hard to beat, since they offer great rewards for no annual fee for the card.

If you’re already an Amazon Prime member, it seems like an easy decision to apply for the Amazon Prime Rewards Visa Signature, use it for all Amazon purchases, and pay off the balance in full every month to avoid interest.

Depending on what other cards you have, either one of these Amazon Rewards Visa Signature cards be you most rewarding card for spending on restaurants, gas stations, and drugstores.

If you don’t want to pay the yearly fee for Amazon Prime, but still want to earn rewards on Amazon, the Amazon Rewards Visa Signature is a surprisingly rewarding card with no annual fee. You’ll get that 3% back when you shop at Amazon, and you can use the card elsewhere when you don’t have another card that will earn you more in rewards.

How to Apply for the Amazon Rewards Visa Signature Cards

You can apply for these cards by clicking on the Apply Now button, either at the top of the page or below, and you’ll be taken to Amazon.com. You’ll have to sign in to your account, or if you don’t have one, take a few minutes to create one. Then simply follow the prompts to apply.

If you’re approved, if you have a Prime membership you’ll get the more rewarding Amazon Prime Rewards Visa Signature. Otherwise, you’ll get the Amazon Rewards Visa Signature card.

What Credit Scores Do You Need to Get the Amazon Rewards Visa Signature Cards?

According to Amazon’s website, you may qualify with fair credit scores, but obviously the higher your scores the better your chances are of being approved.

Keep in mind that credit scores aren’t everything when it comes to card approval. Other factors, like income, play a role as well. So it’s possible to be approved with low credit scores, or denied with high credit scores.

Qualifications and Requirements

  • Must have or create an Amazon account
  • Must be a Prime member (Amazon Prime Rewards Visa only)
  • Must be 18 to apply
  • Personal information: Name, date of birth, Social Security number, U.S. citizenship status
  • Address and contact information: Home address, phone number, email address
  • Financial information: Total annual income, monthly mortgage or rent payment
Amazon Rewards Visa Signature Card

Amazon Rewards Visa Signature Card

Our rating
Min. credit levelGood
Details
Annual Fee$0
Regular APR15.74%–23.74% Variable
Apply Now

securely on the issuer's website

  • Earn 3% cash back at Amazon.com and Whole Foods Market
  • Earn 2% cash back at gas stations, restaurants, and drugstores
  • Earn 1% cash back on all other purchases
  • See your rewards earnings at Amazon checkout
  • Visa Signature benefits, including a Concierge and the Luxury Hotel Collection
  • No annual fee or foreign transaction fees
Amazon Prime Rewards Visa Signature Card

Amazon Prime Rewards Visa Signature Card

Our rating
Min. credit levelGood
Details
Annual Fee$0
Regular APR15.74% to 23.74% Variable
Apply Now

securely on the issuer's website

  • Requires active Prime membership
  • Cash back can be redeemed for statement credits or at Amazon.com checkout
  • Earn 5% back at Amazon.com and Whole Foods Market
  • Earn 2% back at gas stations, restaurants, and drugstores
  • Earn 1% back on all other purchases
  • Get a $70 Amazon.com Gift Card instantly upon credit card approval

Was this review helpful to you? Go ahead and share it with a friend! And if you use one of these cards, leave your own review of the Amazon Rewards Visa Signature or the Amazon Prime Rewards Visa Signature below, we’d love to hear from you!

For some other great cards for different types of purchases, check out our picks for the Best Rewards Credit Cards.

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Alternatives to the Amazon Rewards Visa Signature and Amazon Prime Rewards Visa Signature

Amazon’s not your favorite way to shop? Here are some alternatives that might suit you better.

Citi® Double Cash Card - 18 month BT offer

Citi® Double Cash Card - 18 month BT offer

Our rating
Min. credit level Good
Details
Annual Fee $0
Regular APR 13.99% – 23.99% (Variable)
Apply Now

securely on the issuer's website

The is one of the best choices available for flat-rate, no annual fee cash back credit cards.

You’ll get 2% back on every purchase, no matter what or where you’re buying. You won’t earn as much at Amazon, but it’s pretty close to the regular Amazon Rewards Visa, and you’ll be able to use it everywhere while still earning decent rewards. If you don’t shop at Amazon much, the Double Cash could be the right move.

Or you could always use the cards in tandem. Use an Amazon card with Amazon and at Whole Foods, and with the other 2% categories if you’d like, and the Double Cash for everything else.

Spending Rewards
  • 2% cash back for every purchase you make
    • 1% back when you make a purchase
    • 1% back when you pay for that purchase
  • Personal Concierge Service: Call 1-800-508-8930 to speak with your own personal assistant, for help with all kinds of non-emergency tasks.
  • Citi Private Pass: Get preferred access and presale tickets to select events and experiences, including music, sports, dining, and theater.
  • Free FICO Credit Score: Keep tabs on your FICO Score 8, based on your Equifax credit report.
  • Quick Customer Service: Call customer support and say “representative” to be connected with a human rep more quickly than usual.
  • Balance Transfer APR: 0% for 18 months on Balance Transfers, then 13.99% – 23.99% (Variable).
  • Annual fee: $0
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

Citi is a Credit Card Insider advertiser.

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

Our rating
Min. credit level Good
Details
(Rates & Fees)
Annual Fee $95
Regular APR 12.99–23.99% Variable
Apply Now

securely on the issuer's website

The Blue Cash Preferred® Card from American Express (Review) is a highly rewarding option, but it does have an annual fee. (Rates & Fees) You could instead get the Blue Cash Everyday® Card from American Express (Review), which is less rewarding but doesn’t carry a yearly fee. (Rates & Fees)

The Blue Cash Preferred can be worth it, however, with its impressive 6% cash back at U.S. supermarkets and select streaming services. Those streaming services even include Amazon Video, so you could still earn rewards with Amazon.

You can also use it 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. The Blue Cash Everyday is about on par with the non-Prime version of the Amazon card, but gives you more flexibility on where you can earn by using that same gift card method.

Or you could get both cards. Use the Amazon card for all of your Amazon-related purchases, and the Blue Cash Preferred for your groceries, streaming services, and gift cards to really maximize the cash back you’ll earn.

Spending Rewards
  • 6% cash back for:
    • U.S. supermarkets (up to $6,000 spent annually)
    • Select U.S. streaming services
  • 3% cash back for:
    • U.S. gas stations
    • Transit
  • 1% cash back everywhere else
Introductory Bonus Offer
  • $250 statement credit for spending $1,000 in the first 3 months
    • Return on spend: 25%
  • Amex Offers: Access a selection of discounts and extra cash back opportunities from a wide variety of retailers.
  • Lowest Hotel Rates Guarantee: If you book an eligible prepaid hotel room through Amex Travel and then find the same room being advertised online for a lower price, you can be refunded for the difference.
  • Entertainment Access: Purchase pre-sale tickets made exclusively available to American Express cardholders.
  • Shopping and travel protections: Return Protection, Car Rental Loss and Damage Insurance
  • Purchase and Balance Transfer APR: 0% for 12 months, then 12.99–23.99% Variable
  • Annual fee: $95
  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.
  • Don’t wait for your Card in the mail. Start earning cash back before your card even arrives, if eligible for Instant Card Number.
  • Low intro APR: 0% for 12 months on purchases and balance transfers from the date of account opening, then a variable rate, currently 12.99% to 23.99%
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees

American Express is a Credit Card Insider advertiser.

The information related to Blue Cash Preferred® Card from American Express has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Discover it® Cash Back

Discover it® Cash Back

Our rating
Min. credit level Good
Details
Annual Fee $0
Regular APR See Terms

The Discover it® Cash Back (Review) is an excellent option if you want a no annual fee card for a variety of purchases.

It features 5% cash back in quarterly rotating categories, which provides a bit more flexibility than either of the Amazon cards (up to $1,500 spent per quarter; activation required). It’s worth mentioning that one of those categories may actually be Amazon, as it often makes an appearance during the holiday months.

Other retailers include Target and Walmart, both of which boast a wide variety of products to choose from. Discover also has the pretty great benefit of doubling the rewards you earn for the first year, making it far more rewarding than the Amazon cards (at least for those 12 months).

It won’t cost you a yearly fee like a Prime membership would, and is always more rewarding for category purchases than the non-Prime version of the Amazon card.

But why choose? You could maximize your return on spend and get both cards. Use the Discover it card for its 5% categories, and an Amazon card for everything else.

Spending Rewards
  • 5% cash back on the first $1,500 spent per quarter, in categories that rotate throughout the year (activation required)
  • 1% cash back on all other purchases
Introductory Bonus Offer
  • Cashback Match: Earn double the cash back in your first year of card use, awarded at the end of the year

The 5% cash back calendar for the Discover it for 2020 is:

Quarter 5% Cash Back Categories
January – March
  • Grocery Stores
  • CVS
  • Walgreens
April – June
  • Gas Stations
  • Uber
  • Lyft
  • Wholesale Clubs
July – September
  • Restaurants
  • PayPal
October – December
  • Amazon.com
  • Target.com
  • Walmart.com
  • Free FICO credit score: See your TransUnion-based FICO Score 8 on statements, online, and by mobile app.
  • Cash at Checkout: When shopping at participating locations, you can get immediate cash back by charging an additional amount over your purchase for no extra fee.
  • Refer a Friend: Receive a statement credit bonus if you refer someone to apply for a Discover card and he or she is approved.
  • Free Social Security number alerts: Discover will let you know if your Social Security number appears on an extensive list of dark web sites.
  • Purchase and Balance Transfer APR: See Terms for See Terms, then See Terms
  • No foreign transaction fee
  • Annual fee: $0

The information related to Discover it® Cash Back has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Walmart Rewards Mastercard®

Walmart Rewards Mastercard®

Our rating
Min. credit level Fair
Details
Annual Fee $0
Regular APR 17.99%–26.99% Variable
Learn More

securely on the issuer's website

The Walmart Rewards Mastercard® (Review) is a store card issued by Capital One, able to used anywhere unlike the similar Walmart Rewards Card. It features rewards aimed mostly at Walmart shoppers while offering a few outside of the retailer.

It’s practically the same card as the Amazon Prime Rewards, in terms of the main reward value, but rather than offering 5% cash back at Amazon it has 5% back at Walmart.com. That makes it pretty rewarding for a store card, more than the non-Prime version of the Amazon card. You’ll still get 2% back on restaurants, plus travel, and access to an extensive product catalog.

So if you want to stick it to Jeff Bezos or simply prefer a different retailer, the Walmart card isn’t a bad option.

Spending Rewards
  • 5% cash back at Walmart.com, including the Walmart App and Walmart Grocery Pickup and Delivery
  • 2% cash back for:
    • Walmart purchases in stores
    • Walmart and Murphy USA Fuel Stations
    • Restaurants
    • Travel
  • 1% cash back everywhere else
  • Concierge service: Take advantage of non-emergency assistance with tasks like making reservations, getting tickets to sports and cultural events, and finding hard-to-find gifts.
  • Travel protections: MasterRental Insurance, Travel Accident Insurance, Baggage Delay Insurance, Trip Cancellation/Protection Insurance, Master RoadAssist Service, and Travel Assistance Services
  • Shopping protections: Extended Warranty and Price Protection Coverage
  • Purchase and Balance Transfer APR: 17.99%–26.99% Variable
  • No foreign transaction fee
  • Annual fee: $0
  • 5% cash back for using Walmart Pay in stores for the first 12 months
  • 5% cash back on all purchases at Walmart.com
  • 2% cash back on Walmart purchases in stores (after the first 12 months), on restaurants, and on travel
  • Redeem rewards at any time
  • No foreign transaction fee
  • No annual fee

The information related to Walmart Rewards Mastercard® has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Was this review helpful to you? Go ahead and share it with a friend! And if you use one of these cards, leave your own review of the Amazon Rewards Visa Signature or the Amazon Prime Rewards Visa Signature below, we’d love to hear from you!

For some other great cards for different types of purchases, check out our picks for the Best Rewards Credit Cards.

For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.

At a glance

If you often find yourself browsing Amazon, getting either of these cards should be an easy call to make. They just require an Amazon membership, and you can start earning 3% or 5% cash back. You’re already shopping there, why not earn some rewards?

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The information related to Blue Cash Preferred® Card from American Express, Discover it® Cash Back, and Walmart Rewards Mastercard® have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

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