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Editor’s note: This is a recurring post that’s updated regularly.
Overview
If you shop at Amazon often and have an active Prime membership, the Amazon Prime Visa (issued by Chase) is worth considering. The card has no annual fee, but it requires Prime ($14.99/month or $139/year) and is best for people who buy at Amazon or Whole Foods frequently.
Welcome offer
New applicants who are Prime members get an instant $250 Amazon gift card upon approval. The gift card is delivered immediately and requires no minimum spend, which makes it useful for early holiday purchases or offsetting rising costs. This matches the card’s best-ever bonus, previously offered during Prime Day 2025.
Earning and redemptions
The Prime Visa’s ongoing rewards structure includes:
- Up to 10% back on rotating selections at Amazon.com
- 5% back on purchases at Amazon.com, Amazon Fresh and Whole Foods
- 5% back on travel booked through Chase Travel℠
- 2% back on gas, local transit and commuting (including ride-hailing) and restaurants (takeout and delivery included)
- 1% back on all other purchases
Rewards post as points that can be redeemed for statement credit, Amazon purchases, gift cards or travel through the Chase Travel portal. Redemptions can appear as soon as the next day. For example, $1,000 spent at Amazon at 5% yields $50 in cash back.
Benefits and protections
The card includes several purchase and travel protections, such as:
- Auto rental coverage
- Baggage delay insurance
- Extended warranty protection
- Lost luggage reimbursement
- Purchase protection
- Roadside assistance
- Travel accident insurance
- Travel and emergency assistance
Eligibility note
Chase’s 5/24 rule applies: you’ll generally need to be under five new-account openings in the past 24 months to be eligible. If you’re near the 5/24 threshold and considering other Chase cards (some of which offer transferable points), plan application timing carefully. If you rarely shop at Amazon or don’t have Prime, this card may not be the best fit.
Bottom line
For Prime members who regularly purchase from Amazon or Whole Foods, the Prime Visa is a strong, no-annual-fee option that delivers an industry-leading 5% back on those purchases. The current instant $250 Amazon gift card welcome offer — delivered upon approval with no spend required — matches the card’s best promotion and makes now a good time to apply if you meet eligibility and use Amazon frequently.
Apply here: Prime Visa
Featured image credit: DRAZEN_/GETTY IMAGES
Editorial disclaimer: The opinions expressed are the author’s alone and have not been reviewed, approved or endorsed by any bank, credit card issuer, airline or hotel chain.
Tag: Card Reviews