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Amazon Rewards Visa Signature Card

A solid rewards card eclipsed by the Amazon Prime version.

  • 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.
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$50

Welcome offer

Up to 3%

Cash back

$0

Annual fee

14.24% to 22.24%

Purchase APR (variable)

Details

Annual fee$0
Welcome Offer$50 Amazon.com gift card upon approval
Rewards3% back at Amazon.com, 2% back at gas stations, restaurants and drugstores and 1% back on all other purchases
Purchase APR14.24% to 22.24% variable
Balance transfer APR14.24% to 22.24% variable
Recommended minimum credit score670
IssuerVisa
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Review by


Kliment Dukovski is a credit cards and investments writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

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 3x points with these sellers, 2x points at restaurants, gas stations and drugstores, and 1x points on everything else. Points can be redeemed for a variety of rewards, including to pay for future Amazon purchases. The card comes with a 16.49% to 24.49% variable APR and requires no annual fee.

If you’ve shopped with Amazon, you know they carry an enormous variety of products on their site. This variety means you can likely earn rewards on items you couldn’t manage with any other card, and is the main draw of the card. The other earning categories are the cherry on the top and can help you funnel those purchases into your next big Amazon purchase.

The biggest question when it comes to this card is whether you have a Prime Membership, or if you’re willing to pay for one. If so, you may qualify for the Amazon Prime Rewards card, which earns 5% back on Amazon and Whole Foods purchases rather than 3%. This is not only a bigger value on Amazon purchases, but is a significant earning rate for groceries. Most rewards cards that earn 5% back on a category usually place an earning cap on the rate, or rotate the categories that can earn 5% back.

The question then ultimately comes down to how often you shop on Amazon or at Whole Foods. If you make a significant number of purchases at either store, you’ll likely want to skip the Amazon Rewards Card, pay for a Prime Membership, and go right for the Amazon Prime Rewards Card. If you don’t spend much at either store, you’ll likely find better value with less restrictive rewards cards.

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.

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.

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.

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

  • 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.

  • No foreign transaction fees.

    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 $39 fee, but won’t incur any penalty APR.

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 $500.

  • 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.

  • Some point restrictions.

    You can only spend your earned points through the Amazon site, not through owned sites such as Kindle or Audible.

Compare rewards credit cards

If you’re interested in earning rewards on more than just Amazon purchases, you can select up to 4 rewards cards to compare side by side to see which card best fits your financial needs.

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Preferred® Card from American Express
Up to $350: 20% back on Amazon.com purchases in the first 6 months for up to $200 back, plus $150 statement credit after you spend $3,000 in the first 6 months
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases (redeem as statement credit)
$0 intro annual fee for the first year ($95 thereafter)
Earn up to $350. In your first 6 months, you can earn a $150 statement credit when you spend $3,000, and earn 20% back on Amazon purchases made with your card, up to $200 total. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
Blue Cash Everyday® Card from American Express
Up to $250: 20% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 statement credit after spending $2,000 within the first 6 months
3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on all other purchases (redeem as statement credit)
$0
Earn up to $250. You'll get 20% back on Amazon.com purchases in the first six months for up to $150 back, and $100 after you spend $2,000 in the first six months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
TD Double Up℠ Credit Card
$75 cash back in the form of a statement credit when you spend $500 within the first 90 days after account opening
Up to 2% cash back. 1% cash back on purchases plus 1% when you redeem into an eligible TD Bank Deposit Account
$0
Earn up to 2% cash back. 1% cash back on purchases plus 1% when you redeem into an eligible TD Bank Deposit Account. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
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Compare up to 4 providers

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.

Amazon Rewards Visa Signature Card reviews and complaints.

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 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.

Images: amazon.com

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