Card guide
Chase Amazon Visa
Card guide overview
A no-annual-fee Amazon card earning 3% back at Amazon and Whole Foods.
Key card attributes
| Issuing bank | Reward currency | Currency type | Network | Annual fee |
|---|---|---|---|---|
| Chase | Amazon cash back | Cash back | Visa | $0 |
Closest alternatives
At a glance
The card in three decisions.
The Amazon Visa earns 3% back at Amazon.com and Whole Foods Market with no Prime membership required.
It earns 2% back at restaurants, gas stations, and on local transit and commuting, and 1% everywhere else.
Best fit
Amazon shoppers without Prime
3% back at Amazon with no annual fee and no Prime membership required.
Current timing
Amazon Gift Card upon approval
No spend requirement.
Main watchout
Frequent Amazon or Whole Foods shoppers may do better with Prime + the Amazon Prime Visa
If you shop Amazon or Whole Foods regularly, a Prime membership ($139/year) plus the Amazon Prime Visa (5% back, no card fee) can beat this card at its 3% rate: the 2-point rate gap pays back the membership fee at about $580/month in combined Amazon and Whole Foods spend.
Current and historical offer
The Amazon Gift Card welcome offer is standard.
We compare public offers with public offers.
Timing assessment
The Amazon Gift Card is standard.
Timing is not a major factor.
Why someone may wait
Higher gift cards occasionally appear.
Amazon may offer elevated gift cards during promotional periods.
Card benefits
3% back at Amazon and Whole Foods without Prime.
Editorial assessment of the card benefits.
Tier 1 - Amazon earning
The defining benefit.
Amazon.com and Whole Foods at 3%
Earn 3% cash back at Amazon and Whole Foods with no Prime required.
- No spending cap.
- No Prime membership required.
Know the limits: Prime members earn 5% on the Amazon Prime Visa.
Tier 2 - Everyday earning
Additional categories.
2% Restaurants, gas, transit at 2%
Earn 2% at restaurants, gas stations, and transit.
Same categories as the Amazon Prime Visa.
Tier 3 - Card basics
Standard protections.
Foreign transaction fee applies Fee warning
International purchases may incur fees.
Cash back at Amazon checkout Rewards
Redeem directly at checkout.
Comparison method: Cash-back cards reviewed in July 2026.
Earning rates
3% at Amazon and Whole Foods.
Cash-back percentages on eligible purchases.
Amazon.com and Whole Foods Market
All purchases at Amazon and Whole Foods.
Restaurants
Dining including takeout.
Gas stations and EV charging
Fuel and EV charging purchases.
Local transit and commuting
Rideshare, transit, tolls, parking.
All other purchases
One percent on other purchases.
Credit interaction: No Prime membership required for 3%. The Amazon Prime Visa earns 5% for Prime members.
Amazon Visa value proposition
Best no-Prime Amazon cash-back rate.
The Amazon Visa earns 3% at Amazon with no Prime required.
The math
3%uncapped
3% back at Amazon with no fee and no Prime.
For occasional Amazon shoppers, 3% back with no strings is a strong offer.
Ideal spending profile
Where the card earns best.
- Amazon.com (3% back)
- Whole Foods Market (3% back)
- Restaurants (2% back)
- Gas stations (2% back)
- Transit and rideshare (2% back)
Amazon Visa at a glance
Key features.
- 3% back at Amazon and Whole Foods
- 2% back at restaurants, gas, transit
- No annual fee
- Amazon Gift Card welcome offer
- Redeem at Amazon checkout
When to upgrade to Amazon Prime Visa
When Prime + Amazon Prime Visa at 5% is better.
- You already pay for Prime in any case—the Amazon Prime Visa strictly dominates at $0 fee
- Combined Amazon + Whole Foods spend exceeds ~$580/month without Prime
- You want max Amazon cash-back rate
Sources and methodology
Sources for this page
- Last checked: July 28, 2026
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