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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.
The information about Amazon Prime Rewards Visa Signature Card has been collected independently by Finder and has not been reviewed or provided by the issuer.
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$100

Welcome offer

Up to 5%

Cash back

$0

Annual fee

14.24% to 22.24%

Purchase APR (variable)

Details

Annual fee$0
Welcome offer$100 Amazon Gift Card instantly upon approval
Rewards5% 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 APR14.24% to 22.24% variable
Balance transfer APR14.24% to 22.24% variable
Minimum Credit Score670
IssuerVisa

Review by


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.

Expert review

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.

  1. Go to the Amazon Prime Rewards Visa Signature Card page.
  2. If you’re a Prime Member, simply click Apply now; if you’re not, first sign up for Prime.
  3. Once you’re able to apply, complete your relevant financial information.
  4. You may be approved in minutes, or Amazon may need further time to process your application.
  5. 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.

  1. I have a joint account with my partner, which means more spending and more saving.
  2. I have good credit and could afford to open up a new credit card.
  3. I exported my orders dating back to 2013 and saw a healthy positive trend:
  4. YearAmazon.com spendingYear over year growthSavings
    2014$1,173.35+11%$59
    2015$2,050.44+74.77%$103
    2016$3,037.12+48.15%$150
    2017$4,041.15+24.85%$202

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

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Everyday® Card from American Express
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 other purchases (redeem as statement credit)
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
Earn a $200 statement credit after spending $2,000 in the first 6 months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
BlockFi Bitcoin Rewards Credit Card
3.5% back in Bitcoin in the first 90 days, up to a total of $100 in Bitcoin, then 1.5% on all purchases
14.99% to 24.99% variable
$0
Earn 3.5% back in Bitcoin in the first 90 days, up to a total of $100 in Bitcoin. After that you'll earn a solid 1.5% back on all purchases.
Capital One QuicksilverOne Cash Rewards Credit Card
1.5% cash back on all purchases
26.99% variable
$39
Get unlimited 1.5% cash back on every purchase with no limit on how much you can earn, and no changing categories.
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Bottom line

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.

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4 Comments

    Default Gravatar
    Mike
    July 16, 2018

    Can children under 18 get a card to use as an authorized user?

      Default Gravatar
      joelmarcelo
      July 17, 2018

      Hi Mike,

      Thanks for leaving a question on Finder.

      Legally, no one can get a credit card on their own unless they’re at least 18 years old. Anyone under 18 can only be an authorized user on someone else’s — for example, their parents’ — account. Our list of credit card options for teens under 18 years old will help teach your teen solid financial habits and your best options to start them on solid footing.

      Cheers,
      Joel

    Default Gravatar
    Betty
    December 7, 2017

    Do authorized users receive a separate credit card?

      Avatarfinder Customer Care
      Rench
      December 7, 2017

      Hi Betty,

      Thanks for your inquiry. Please note that we are not affiliated with Amazon Prime or any company we feature on our site and so we can only offer you general advice.

      The Amazon Prime Credit Card is for an individual account or membership. You may follow the steps on how to apply:

      1. Go to the Amazon Prime Credit Card page.
      2. If you’re a Prime Member, simply click Apply Now; if you’re not, first sign up for Prime.
      3. Once you’re able to apply, complete your relevant financial information.
      4. You may be instantly approved, or Amazon may need further time to process your application.
      5. If approved, double-check that the default card on your Amazon.com profile becomes your Amazon Prime Visa Signature Credit Card.

      You may get this info from this page. Please contact Amazon Prime directly or visit their official site to further inquire.

      Best regards,
      Rench

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