Amazon Prime Rewards Visa Signature Card review
Earn an excellent 5% back at Amazon and Whole Foods with a Prime membership.
- Get this card if you want high cash back on your Amazon and Whole Foods Market purchases.
- Pick something else if you want higher cash back on other categories, or if you want an intro APR period.
- Apply with good to excellent credit score of 670 or higher.
Up to 5%
14.24% to 22.24%
Purchase APR (variable)
|Welcome offer||$100 Amazon Gift Card instantly upon approval|
|Rewards||5% back at Amazon.com, Whole Foods Market and Zappos, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases|
|Purchase APR||14.24% to 22.24% variable|
|Balance transfer APR||14.24% to 22.24% variable|
|Minimum Credit Score||670|
Megan Horner is the credit cards publisher at Finder. She's passionate about helping you find the best credit cards to meet your financial needs — whether that's earning great rewards or improving your credit score. Megan's expertise has been spotlighted on Lifehacker, CreditCards.com, American Banker and featured on news broadcasts across the country.
As a loyal customer for seven years and a Prime junkie, what took me so long to get the Amazon Prime Rewards Visa Signature Card? Up until a few weeks ago I never really considered it. I saw the enticing checkout offers — Save $70 with the Amazon Prime Rewards Visa Signature Card! — and breezed by them. I’m wary when a financial product, no matter how shiny, is hawked in my direction.
Then I applied. It was an uncharacteristic impulse spend: I didn’t calculate my monthly Amazon expenses or the savings I’d accrue. I didn’t even do much research beyond seeing the 5% cash back and thinking: That must be a better deal than what my current credit card offers, right?
Only afterward did I crunch the numbers. If you’re pressed for time, the TL;DR version is simple:
The Amazon Prime Rewards Visa Signature Card is saving me money, and it can save you money too. If you’re a Prime member, it’s a no-brainer. If you’re not a Prime member but spend at least $2,400 a year on Amazon.com, you’ll cover the $119 Prime price tag and get the perks of a Prime membership — free two-day shipping, Prime Video and Unlimited music streaming — to boot.
Alexa, play “Ride of the Valkyries.”
Apply for the Amazon Prime Rewards Visa Signature Card on the Amazon site
You can apply for the Amazon Prime Rewards Visa Signature Card by doing the following.
- Go to the Amazon Prime Rewards Visa Signature Card page.
- If you’re a Prime Member, simply click Apply now; if you’re not, first sign up for Prime.
- Once you’re able to apply, complete your relevant financial information.
- You may be approved in minutes, or Amazon may need further time to process your application.
- If approved, double-check that the default card on your Amazon.com profile becomes your Amazon Prime Rewards Visa Signature Card.
Amazon Prime Rewards Visa Signature Card benefits
What had me at hello was the uncapped 5% cash back on Amazon orders. We’ll lead with that, but there are plenty of other perks to consider.
- Earn rewards. You can earn an uncapped 5% back on all Amazon.com and Whole Foods Market purchases for Prime members. Also earn 2% cash back at restaurants, gas stations and drugstores and 1% on all other purchases.
- Welcome offer. Receive a $70 Amazon gift card on approval.
- No foreign transaction fees. You won’t pay an additional fee on purchases made abroad with this card.
- No traditional annual fee. Amazon Prime members don’t pay an annual fee to use this card.
- No intro APR. If you’re looking for a 0% intro APR on purchases or balance transfers, you’ll need to look elsewhere.
- Additional card benefits. These include travel and purchase protections, as well as 24/7 concierge service through Visa Signature and zero fraud liability.
- Metal construction. While most store-branded cards are plastic, the Amazon Prime Rewards Visa Signature Card is metal.
Amazon Prime Rewards Visa Signature Card drawbacks
- Prime membership required. The “no annual credit card fee” assumes you’re already an Amazon Prime member, which sports a $119 yearly price tag. If you order a lot from Amazon, the Prime membership pays for itself. If you don’t order a lot from Amazon, this card probably isn’t your best pick.
- Not all Amazon-owned companies supported for rewards.. Unfortunately, the 5% cash back applies only to Amazon.com purchases. While markets like Audible, Zappos, Prime Now, Prime Music and others are technically Amazon-owned, they don’t run on Amazon.com. I was especially disappointed to find that my Prime Now purchases weren’t eligible, something Amazon should strongly consider.
The Amazon Prime Rewards Visa Signature Card‘s eligible 5% cash back categories
5% cash back applies to:
- Annual and monthly Amazon Prime subscriptions and members of their Amazon Household — excluding Amazon Prime Video and invited guests of an Amazon Prime account.
- Amazon Prime Fresh.
- Amazon Family.
- Amazon Prime Student.
- Trial memberships of Amazon Prime.
5% cash back doesn’t apply to:
- Merchants outside Amazon.com using Amazon Pay.
- Purchases made at international Amazon retail sites — including Amazon.ca, Amazon.co.uk, Amazon.de, Amazon.fr and Amazon.co.jp.
- Any other website operated by Amazon, at Amazon’s sole discretion.
Keep these in mind when you calculate your expenses to see if the Amazon Prime Rewards Visa Signature Card is worth it for you.
Why the Amazon Prime Rewards Visa Signature Card is worth it for me
There are three big reasons why I keep the Amazon Prime Rewards Visa Signature Card in my pocket year after year.
- I have a joint account with my partner, which means more spending and more saving.
- I have good credit and could afford to open up a new credit card.
- I exported my orders dating back to 2013 and saw a healthy positive trend:
|Year||Amazon.com spending||Year over year growth||Savings|
All signs point to Amazon continuing to reward shoppers with broader merchandise, new media — music, movies and TV — and fun technology like the Echo. I will likely keep benefiting from my Amazon card by spending more and saving more in the process.
The Amazon Prime Rewards Visa Signature Card is different from the Amazon Prime Store Card
The Amazon Prime Rewards Visa Signature Card is an all-purpose credit card you can use anywhere Visa is accepted. The Amazon Prime Store Card is limited to use on Amazon.com, has a higher APR, and offers features like 5% cash back and up to 24 months of interest-free financing if paid in full.
Save more on Amazon
Be on the lookout for the biggest discounts from this online giant as the holiday season nears in November, and again in July for Amazon Prime Day.
Besides these big shopping holidays, expect to find smaller savings on everything from A to Z when you shop the Today’s Deal tab. And don’t miss these other deals and coupons for extra savings before checking out.
Compare similar cashback cards
You won’t find a better card on the market aimed at Amazon and Whole Foods purchases. If you aren’t a Prime member and you spend at least $2,400 a year at Amazon.com or Whole Foods, you’ll easily recoup the $119 Prime membership price tag. And you get a nifty $70 welcome gift card to Amazon.com, plus all the perks that come with Prime membership. But if you don’t shop at Whole Foods and you only shop at Amazon occasionally, there are better cashback credit card options available.