Card guide · Amazon Cash Back
Chase Amazon Prime Visa
Card guide overview
The Amazon Prime member card earning 5% back at Amazon, Whole Foods, and Chase Travel with no annual fee (requires Prime membership).
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 Prime Visa is Chase premium Amazon co-branded card for Prime members. It earns 5% back at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations, and on local transit and commuting, and 1% everywhere else. There is no annual fee, but an active Amazon Prime membership is required (currently $139/year or $14.99/month).
For heavy Amazon shoppers and Whole Foods customers, 5% back is best-in-class. The 2% categories (restaurants, gas, transit) are solid everyday earners. The welcome offer is an Amazon Gift Card upon approval—no spend requirement. Cash back can be redeemed at Amazon.com checkout, as a statement credit, or for gift cards through Chase. The card does charge a foreign transaction fee.
Best fit
Amazon Prime members who spend heavily at Amazon and Whole Foods
If you already pay for Prime and spend $200+/month at Amazon and Whole Foods, 5% back delivers $120+/year in cash back with no annual fee beyond Prime.
Current timing
Amazon Gift Card upon approval—instant value with no spend required
The welcome offer is awarded immediately upon approval—no minimum spend, no waiting. While not a large cash bonus, it is frictionless.
Main watchout
Requires an active Prime membership—$139/year is the real cost
The card itself has no fee, but Prime membership is required. If you would not pay for Prime otherwise, the effective cost is $139/year.
Current and historical offer
Amazon Gift Card upon approval is the standard offer.
We compare public offers with public offers. The Amazon Prime Visa offer has been consistently an Amazon Gift Card upon approval.
Timing assessment
The Amazon Gift Card is standard—timing is not a major factor for this card.
The welcome offer is modest and consistent. The card value comes from ongoing 5% earning at Amazon and Whole Foods, not the sign-up bonus. Apply when you are ready to start earning 5%.
Why someone may wait
Higher gift cards may appear during Prime Day or holiday promotions.
If a larger welcome offer matters, Amazon occasionally offers elevated gift cards during Prime Day (July) and holiday shopping season (November–December).
Card benefits
5% back at Amazon and Whole Foods is the only benefit that matters.
The tiers are a Points Brief editorial assessment of decision importance and rarity among cash-back cards—not labels supplied by Chase or Amazon.
Tier 1 · Best-in-class earning rate
The benefit that defines this card.
Amazon.com and Whole Foods Market at 5% back
Earn 5% cash back on all purchases at Amazon.com (including digital downloads, Amazon Fresh, and Prime Now) and Whole Foods Market. This is the highest uncapped Amazon cash-back rate available.
- No spending cap—unlimited 5% back at Amazon and Whole Foods.
- Also applies to Amazon Fresh and Prime Now purchases.
- Cash back posts automatically each statement cycle.
Know the limits: You must have an active Prime membership. If your Prime membership lapses, the earning rate changes. 5% is exclusive to Prime members—the non-Prime Amazon Visa earns 3%.
Tier 2 · Solid everyday earning
Additional categories that add value for regular spending.
2% Restaurants, gas stations, and transit at 2%
Earn 2% cash back at restaurants, gas stations, and on local transit and commuting including rideshare.
Solid everyday earning categories that complement the 5% Amazon/Whole Foods rate. Combined, this card can cover a significant portion of household spending.
5% Chase Travel purchases at 5%
5% cash back on travel booked through the Chase Travel portal.
Same rate as the Chase Freedom Unlimited for portal travel. Requires booking through Chase Travel.
Tier 3 · Expected card basics
Standard protections and services.
Foreign transaction fee applies Fee warning
Amazon purchases abroad may incur foreign transaction fees. Not a travel card.
Cash back at Amazon checkout Rewards
Redeem cash back directly at Amazon.com checkout for purchases.
Cash back does not expire Rewards
Rewards have no expiration as long as the account remains open.
Purchase protection Protection
Coverage for eligible purchases against damage or theft.
Comparison method: Cash-back cards with retail-specific bonus categories; official public pages reviewed in July 2026.
Earning rates
5% at Amazon and Whole Foods is the headliner.
Rates shown are cash-back percentages. Cash back can be redeemed at Amazon.com checkout, as statement credit, or for gift cards.
Amazon.com and Whole Foods Market
All purchases at Amazon.com (including Fresh, Prime Now, digital) and Whole Foods Market. No caps.
Chase Travel purchases
Travel booked through the Chase Travel portal.
Restaurants
Dining including takeout and eligible delivery services.
Gas stations and EV charging
Fuel purchases at gas stations and electric vehicle charging.
Local transit and commuting
Rideshare, taxis, trains, buses, tolls, and parking.
All other purchases
One percent cash back on purchases not eligible for a higher rate.
Credit interaction: Requires active Amazon Prime membership for 5% rate. Without Prime, earning drops—the non-Prime Amazon Visa earns 3% at Amazon/Whole Foods instead.
Amazon Prime Visa value proposition
Best-in-class cash back for Amazon Prime members.
The Amazon Prime Visa is not a hotel or airline card—its value is in retail cash back. For Amazon Prime members who shop at Amazon and Whole Foods regularly, 5% back is the highest available rate. Combined with 2% on restaurants, gas, and transit, it can be a strong everyday card for households who spend meaningfully at Amazon.
The math
5%uncapped
At $500/month Amazon spend, 5% back earns $300/year—with no annual fee beyond Prime.
For households spending $500+ per month at Amazon and Whole Foods, the Amazon Prime Visa earns $300+/year in cash back on those purchases alone. Add the 2% categories and the card can deliver $400–$500+/year in total cash back for a typical family. The only cost is the Prime membership you already pay for. Cash back is redeemable at Amazon.com checkout—immediate, usable value on every Amazon purchase.
Ideal spending profile
Where the Amazon Prime Visa earns best.
- Amazon.com purchases (5% back)
- Whole Foods Market (5% back)
- Amazon Fresh and Prime Now (5% back)
- Restaurants and takeout (2% back)
- Gas stations and EV charging (2% back)
- Rideshare, transit, tolls (2% back)
Amazon Prime Visa at a glance
What this card gets you.
- 5% back at Amazon and Whole Foods
- 2% back at restaurants, gas, transit
- No annual fee (requires Prime)
- Amazon Gift Card welcome offer
- Redeem at Amazon checkout
- Foreign transaction fee applies
Who should consider alternatives
When the Amazon Prime Visa may not be the best choice.
- If you do not have Prime—the Amazon Visa earns 3% instead
- If you rarely shop at Amazon—flat-rate cards offer 1.5–2% everywhere
- If you travel internationally—the foreign transaction fee is a drawback
Sources and methodology
Sources for this page
- Last checked: July 28, 2026
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