Amazon Rewards Visa Signature Card review | finder.com

Amazon Rewards Visa Signature Card — December 2018

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Amazon Rewards Visa Signature Card

A simple, no-annual-fee credit card that offers cash back on Amazon and Whole Foods Market purchases.

30-second take.

  • Get this card if you regularly shop with Amazon or at Whole Foods Market.
  • Pick something else if you want higher cash back on other categories.
  • Apply with a good to excellent credit score of 670 or higher.
Product NameAmazon Rewards Visa Signature Card
Card TypeVisa
Annual Fee$0
APR (Annual Percentage Rate) for Purchases16.24% to 24.24% variable
Balance Transfer APR16.24% to 24.24% variable
Balance Transfer Fee$5 or 5% of the transaction, whichever is greater
Cash Advance Rate26.99% variable
Foreign Transaction FeeNone
Cash Advance Fee$10 or 5% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 21 days
Late Payment FeeUp to $38
Returned Payment FeeUp to $38
Rates & FeesRates & Fees
Minimum Age18 years of age
Reward Value per Dollar100x points

The basics

The no-annual-fee Amazon Rewards Visa Signature Card can be an excellent choice if you frequently shop with Amazon or at Whole Foods. You’ll get to earn more points with these sellers and in three other categories. Points can be redeemed for a variety of rewards, including to pay for future Amazon purchases.

The perks

  • Cash back.

    Earn 3% back on all of your Amazon and Whole Food Markets purchases. Earn 2% back at restaurants, gas stations and drugstores. On all other purchases, earn 1% back.

  • Amazon gift card.

    Get a $50 gift card as soon as you become a card member. This may not be a generous signup bonus, but you get it without having to meet any spending requirements.

  • No annual fee.

    There’s no annual fee to own the card.

How much cashback rewards can I earn with the Amazon Rewards Visa Signature Card?

Where you spend: The amount you spend: Cash back earned:
Amazon $2,000 $60
Whole Food Market $3,000 $90
Restaurants $2,000 $40
Gas stations $1,500 $30
Drugstores $1,000 $20
Everything else $5,000 $50
Total $14,500 $290

Suppose this is what your annual spending looks like for these categories. You would earn $290 in cash back in a year. Add the $50 gift card and your rewards would be $340 for the first year.

You’ll also like…

  • No foreign transaction fee.

    Use this card whenever you travel abroad without paying any foreign transaction fees. And since this is a Visa card, it’s accepted worldwide.

  • Travel accident insurance.

    When you use your card to pay for transportation — be it by air, bus, train or cruise — you’re eligible for coverage of up to $500,000 for accidental death or dismemberment.

  • Lost luggage reimbursement.

    Get up to $3,000 coverage per passenger for your checked and carry-on bags in case of damage or loss by the carrier. Also, if your bags are delayed over six hours, you’ll be reimbursed for purchases like toiletries and clothing up to $100 per day for three days.

  • Purchase protection.

    Get coverage against damage or theft for 120 days and up to $500 per claim when you make purchases with your card.

  • Visa Signature concierge service.

    Enjoy complimentary Visa Signature concierge service 24/7 when you want tickets for sports and entertainment events, to make dinner reservations or to get help finding the perfect gift. Call 800-953-7392 for assistance with your requests.

  • No penalty APR

    If you make a late payment or have one returned, you’ll pay up to $38 fee, but won’t incur any penalty APR.

Sometimes, Amazon and Chase may invite you to activate and boost your cash back at gas stations from 2% to 4% for a limited time.

What to watch out for

  • No intro APR period on purchases or balance transfers.

    There’s no interest-free period with this card.

  • Low minimum credit line.

    The minimum credit line you can get is .

  • Potential prohibition of earning and using points.

    If you don’t make the minimum payment within 30 days of when it’s due, you may be temporarily prohibited from earning or redeeming your points.

  • Loss of points.

    If you don’t make the minimum payment within 60 days of when it’s due, you may lose all of your points.

Consider other cards if…

  • You want to earn higher cash back on Amazon purchases.

    Consider the Amazon Prime Rewards Visa Signature Card if you want to earn 5% back on all of your Amazon and Whole Foods purchases. You’ll need an eligible Amazon Prime membership to get the card. You can also upgrade your current card by simply becoming an Amazon Prime member.

    Another card with 5% cash back on Amazon purchases is the Discover it® Cash Back. But you’ll only get this rate for three months at a time and for up to $1,500, as it offers increased cash back on rotating categories. Additionally, you’ll get a long intro APR period on balance transfers and purchases.

  • You want to pay your Amazon purchases over time without interest.

    Consider the Amazon.com Store Card by Synchrony bank. Unlike the other two Amazon cards where you can use them everywhere to make purchases, this card can only be used on Amazon.com. You’ll get three financing options, including a 12-month interest free period for purchases of $599 or more, and you’ll get to earn cash back on your purchases.

  • You want to earn cash back on other categories.

    If you buy up to $6,000 of groceries at US supermarkets per year, the Blue Cash Preferred® Card from American Express can be an excellent choice, as you’ll earn 6% back until you reach the cap — this includes purchases at Whole Foods Market. You’ll also get 3% back on gas and at select US department stores, and 1% back on all other purchases.

    Another card to consider is the Uber Visa Card from Barclays, where you’ll earn 4% back on dining, 3% back on travel purchases, 2% back on Uber and online purchases and 2% back on everything else.

  • You want flat cash back on all purchases.

    You’ll get the highest 2% cash back on all purchases with the no-annual-fee Citi® Double Cash Card, along with one of the longest intro APR periods on balance transfers.

    Another card with 2% cash back on everything you buy is the PenFed Power Cash Rewards Visa Signature® Card . To get this rate, you’ll need to be a PenFed Honors Advantage member. Otherwise, you’ll earn 1.5% cash back.

Compare top rewards credit cards

Updated December 14th, 2018
Name Product Welcome Offer Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
1x points
17.99% to 24.99% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
Earn 50,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening - that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
1x points
17.99% to 24.99% variable
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
Earn $150 cash back after spending $500 on purchases in the first 3 months from account opening
1% cash back
16.99% to 25.74% variable
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
Earn $150 cash back after spending $500 on purchases in the first 3 months from account opening
1.5% cash back
16.99% to 25.74% variable
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
Earn $150 statement credit after you spend $1,000 in purchases on your new card within the first 3 months
1% cash back
14.99% to 25.99% variable
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$200 statement credit after you spend $1,000 in purchases on your new card within the first 3 months
1% cash back
14.99% to 25.99% variable
$95
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
Earn up to $250. Earn $150 after you spend $1,000 on purchases in the first 3 months of card membership. Earn an additional $100 after you spend an additional $6,500 within the first 12 months
1.5% cash back
14.99% to 25.99% variable
$0
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. Rates & Fees
50,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months
1x points
See Rates & Fees
$250
50,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
2x miles
17.99%, 21.99% or 24.99% variable
$0 annual fee for the first year ($89 thereafter)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
2x points
17.74% to 26.74% variable
$0 annual fee for the first year ($95 thereafter)
Enjoy a $0 annual fee on the first year and earn up to 2 Starpoints® for every dollar of eligible purchases. Rates & Fees
125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend Card after you use your new card to make $2,000 in eligible purchases within the first 3 months of card membership.
3x points
17.74% to 26.74% variable
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new card to make $1,000 in eligible purchases within the first 3 months of card membership.
3x points
17.74% to 26.74% variable
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & Fees
Earn a $150 cash rewards intro bonus after spending $2,500 in the first 3 months. 10% Anniversary Bonus on all Cash Rewards earned once a year.
1.5% cash back
14.99%, 18.99% or 24.99% variable
$0
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months.
1x miles
17.74% to 26.74% variable
$0
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & Fees
30,000 bonus miles after spending $1,000 in purchases on your new card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new card within your first 3 months.
1x miles
17.74% to 26.74% variable
$0 annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
1x points
16.99% variable
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
1x points
16.99% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
2x points
16.99% variable
$995
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.

Compare up to 4 providers

What should I know before I apply?

To get the card, you must be a US citizen and at least 18 years old or at least 19 years old in Alabama and Nebraska.

In your application, you’ll need to provide information such as:

  • Full name and contact information.
  • Date of birth and Social Security number.
  • Residential information and annual income.

At the end of your application, you can choose your card design out of three available options.

What credit score do I need?

You can apply with a credit score in the low 600s. To increase your chances of approval and get a higher credit line you, should apply with a good to excellent credit score of 670 or higher.

What do customers say about the Amazon Rewards Visa Signature Card?

Customers are largely satisfied with the cashback rate, and some even claim Amazon offered them an interest-free period on purchases for up to 18 months. Also, many customers say they were pleased to have received a high credit line.

Those who had negative experiences with the card said they had issues with declined charges. Other complaints focus on the high interest rate. Carrying a lower balance can help you avoid pain over the high APR.

How to apply for the Amazon Rewards Visa Signature Card

  1. Go to the Chase website and find the Amazon Rewards Visa Signature Card. Click Apply now.
  2. Fill out the application form.
  3. Review your information and submit.

How long will it take to get my Amazon Rewards Visa Signature Card?

You should receive a decision immediately. If further review is required, it may take up to 30 days to get a decision.

Once approved, you’ll get your card within seven to 10 business days.

I got the card. Now what?

  • Download the Chase mobile app. Use it to pay your bills and balance, monitor your account and more.
  • Avoid interest and fees. The card doesn’t have an intro APR period on purchases, so make sure to pay your balance before it’s due to avoid paying up to $38 in late payment fees and to avoid paying interest.
  • Optional cash back upgrade. If you want to earn 5% back at Amazon and Whole Foods Market, enroll in the Amazon Prime program for $12.99 per month or $199 annually and you can automatically upgrade your card.
  • Customer service. Call Chase customer service at 800-432-3117 if you have any questions.

How do I redeem rewards from Amazon Rewards Visa Signature Card?

With this card, you earn points that can be redeemed for:

  • Cash back. Get a statement credit or a deposit to your checking or savings account, starting at 2,000 points.
  • Amazon purchases. Use your points at checkout to pay for your entire purchase or to get a discount.
  • Other. Redeem your points as gift cards, starting from 2,500 points worth $25, or toward travel purchases through the Chase website. Alternatively, call 855-234-2538 to book your travel.

You can’t use your points toward:

  • Amazon Kindle downloads
  • Digital music
  • Amazon video titles
  • Amazon Appstore apps
  • AmazonFresh items
  • Subscribe and Save items
  • Magazine subscriptions
  • Prime memberships, with the exception of Prime Gift memberships
  • Preorder items
  • Textbook rentals
  • AmazonAllowance
  • Reloading gift cards

Currently, you may not be able to use One-Click to purchase products with your points.

Bottom line

If you often shop on Amazon or at Whole Foods Market, the Amazon Rewards Visa Signature Card could be a solid option. You’ll get to earn bonus points at those shops, plus earn bonus points at gas stations, restaurants and drugstores. Points can be redeemed for cash back, gift cards, travel or be put toward your Amazon purchases. Every point you earn with the card comes as a pure reward since you won’t pay an annual fee.

However, if you’re not sure that this is the right card for you, check out other credit cards to compare your options and find the best fit for your financial needs and goals.

Frequently asked questions.

Images: amazon.com

Kliment Dukovski

Kliment Dukovski is a writer who specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information to help you make the right financial decision. When he's not writing about finance-related subjects, he writes sci-fi stories.

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