2021 Review: The Amazon Rewards Visa Signature Card – Amazon Shopping Made Better
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The Amazon Rewards Visa Signature card has strong rewards and solid benefits for a no annual fee card. 3% cash back for Amazon and Whole Foods purchases, and 2% for gas, drug store purchases, and dining. If you shop often at Amazon, it could be a lucrative choice.
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Our Rating: 4 Out of 5 Stars
We give the Amazon Rewards Visa Signature Card 4 out of 5 Stars. It offers good rewards for Amazon and Whole Foods, plus provides some useful perks.
Why We Like It
- 3% cash back at Amazon and Whole Foods
- 2% cash back at gas stations, restaurants, and drug stores
- $50 Amazon.com gift card instantly upon account approval
- Visa Signature benefits
- No annual fee
Why It Could Be Better
- Low introductory bonus
The Amazon Rewards Visa Signature is an all-around solid card. It’s hard to beat 3% cash back at Amazon for no annual fee, and the 2% cash back for its other categories is pretty decent too. But if you don’t do the majority of your shopping with Amazon, it might not be too rewarding when compared to other categorical rewards cards.
Because it’s a Visa Signature, you can expect some solid perks as well. If you’re looking for a card to take with you while traveling, you could do worse than this one. It has an impressive arsenal of travel protections that give your luggage, and your body, some added security. Plus, there’s no foreign transaction fee to worry about if you’re headed out of the country.
If you shop with the massive online retailer often, you should consider adding this card to your wallet.
Insider Advice: Getting the Most Out of Your Card
- Unless you have a gas card, fill up with this one: 2% cash back is a decent rate if you don’t already have a credit card that earns a higher rate for gas. If that’s the case, be sure to top off with the Amazon card.
- Dine in or out: Whether you’re having dinner delivered or going out, you’ll earn 2% cash back for the expense.
- Travel with confidence: Cardmembers have access to Travel Accident Insurance, Baggage Delay Insurance, Lost Luggage Reimbursement, and Travel and Emergency Assistance. Basically, if anything goes wrong, the Amazon card has you covered. And you won’t have to worry about foreign transaction fees if you’re leaving the U.S.
- Get help planning trips: The Visa Signature concierge service can help cardholders with all sorts of non-emergency tasks. Need help finding flights or hotel arrangements? Ask your concierge. It can also find entertainment tickets or make dinner reservations for when you land.
- Protect your Amazon purchases: The items you buy from Amazon will have some added security thanks to Purchase Protection and Extended Warranty. If an eligible item is lost or stolen, no need to panic. And be sure to keep the receipt. If an item has a manufacturer’s warranty of three years or less, it’ll be safe for another year.
- Buy gift cards: Buying gift cards, either at a drugstore, Whole Foods, or on Amazon, is a good way to circumvent the bonus category restrictions. If you were to purchase a Best Buy gift card on Amazon, you’d earn 3% cash back for the transaction, meaning you’d essentially be earning 3% cash back for shopping at Best Buy. This applies to any gift card available.
- Maximize your rewards: Combining this card with a flat-rate card, like the Wells Fargo Active Cash Card (Review), would boost the return on your spending. Use the Amazon card for Amazon.com purchases and the Active Cash for everything else. Check out the best credit cards for earning rewards here.
The welcome bonus is instantly added to your account, so if there’s anything sitting on your Wish List, perhaps now’s the time to get it.
The cash back you earn will show up as points on your monthly statement and when you log in to your Chase account. They are typically worth 1¢ each. So, for a $100 gas purchase, you’d get 200 points, which are worth $2.00. You can only redeem once you’ve earned 2,000 points.
Here are the redemption options:
- Deposit into a bank account (best value)
- Statement credits
- Checkout on Amazon.com
- Gift cards
While it may seem like a convenient choice at face value, avoid using your rewards at checkout. It would actually end up leaving you with less cash back than you’d typically get.
For example, if your total comes to $100, and you redeem 2,000 points (the equivalent of $20), the amount charged to your Amazon card would be $80.
From that, you’d earn $2.40 in cash back ($80 x 3%) instead of earning $3 from the original $100 balance ($100 x 3%). You might be saying, that’s only a few cents, no biggie. And you’d be right, at least initially. But if you consistently redeem at checkout, those cents could grow to a much more substantial sum.
Redeeming at checkout here and there won’t break the bank, but you’d be missing out on potential rewards. Your best bet is to deposit rewards into a bank account. That way the money goes directly into your bank, rather than towards a balance you need to pay off down the road.
The Amazon Rewards card comes with an impressive selection of Visa Signature benefits for a credit card without an annual fee. The perks make it an effective choice for buying items from your couch or hopping on a plane for a trip.
- Visa Signature Concierge: Need help locating tickets, making dinner reservations, or finding a certain item? Call 1-800-953-7392 to access your Visa Signature Concierge and get the help you need.
- Visa Signature Luxury Hotel Collection: Gain access to room upgrades when they’re available, receive the best rate, access complimentary WiFi, and get other amenities at 900 luxury hotels across the globe.
- Travel Accident Insurance: You and your family are covered against accidental dismemberment or death on your trips, up to $500,000.
- Lost Luggage Reimbursement: You and immediate family members can be reimbursed for up to $3,000 if your checked or carry-on luggage is lost or damaged by the carrier.
- Baggage Delay Insurance: If your baggage is delayed for six hours or more, you’ll be reimbursed for $100 a day for three days to buy essential items like toiletries and clothing.
- Travel and Emergency Assistance: Call your benefit administrator if you need legal, medical, or emergency travel help away from home.
- Auto Rental Collision Damage Waiver: Decline the rental car provider’s insurance offer and charge the full amount to your card, and your eligible rental will be covered against damage and theft.
- Roadside Dispatch: Call 1-800-847-2869 anytime you’re away from home and run into car trouble.
- Extended Warranty Protection: If an eligible purchase has a manufacturer’s warranty of three years or less, you’ll get an extra year out of it.
- Purchase Protection: Your eligible new purchases are protected against damage and theft for up to 120 days. You’ll get $500 per claim and $50,000 per account.
Terms & Fees
|Purchase APR||Balance Transfer APR||Cash Advance APR|
|15.74%–23.74% Variable||15.74%–23.74% Variable||26.49% Variable|
|Annual Fee||Foreign Transaction Fee|
|Balance Transfer Fee||Cash Advance Fee|
|5%, $5 minimum||5%, $10 minimum|
|Penalty APR||Late Fee||Returned Payment Fee|
|None||See Terms||See Terms|
The Bottom Line
The Amazon Rewards Visa Signature Card is a solid choice if you’re in the market for a well-rounded and rewarding card. It offers a good cash back rate for Amazon’s massive selection of goods, plus everyday purchases like gas and eating out.
The benefits create a great opportunity for the average consumer, protecting your new purchases and making sure you’re covered while you travel. This card should be considered by anyone who shops frequently with Amazon, especially considering there isn’t an annual fee. However, if Amazon is only an occasional expense, another rewards card might suit you better.
What’s the difference between the Amazon Rewards Visa Signature Card and the Amazon Prime Rewards Visa Signature?
The Amazon Prime Rewards Visa Signature Card (Review) requires an Amazon Prime subscription and is issued as a metal card. It also provides 5% cash back rather than 3% cash back for Amazon and Whole Foods purchases, and comes with a larger welcome bonus.
How Do I Apply for the Amazon Rewards Visa Signature Card?
Follow the link below to be taken to Amazon’s site, where you can log in and follow links to reach an application. From there, you can securely apply. You should typically hear back instantly with Chase’s decision.
What Credit Scores Do I Need to Qualify for the Amazon Rewards Visa Signature Card?
It’s recommended that you have fair credit before applying.
To qualify for fair credit, your credit scores would need to be at least 580 for FICO and 650 for VantageScore.
However, credit card issuers will ask for additional information. Things like income and monthly rent or mortgage payments factor into the decision. That means even if your credit scores aren’t at the recommended level, there’s still a chance for approval. But it also means even if your scores are high enough, you could be denied.
Alternatives to the Amazon Rewards Visa Signature Card
American Express is a Credit Card Insider advertiser.
Do you have the Amazon Rewards Visa Signature Card? How has it improved your Amazon experience? Let us know how you like it in the comments below.Not impressed by the Amazon card? Take a look at some of our other top choices. Best Rewards Credit Cards
For 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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