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Last updated on Apr 03, 2020

Amazon Prime Rewards Visa Signature Card Review

Best no-annual-fee credit card for earning rewards on your Amazon Prime purchases ​
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Amazon Prime Rewards Visa Signature Card

  • Travel benefits like travel accident insurance and luggage reimbursement
  • Extended warranty protection extends the U.S. manufacturer’s warranty by one year where applicable
  • Purchase protection covers your purchases against damage and theft up to $500 for 120 days
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How We Reviewed the Amazon Prime Rewards Visa Signature Card

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4 cards compared

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7 features evaluated

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20 hours researched

If you’re an Amazon Prime member and frequent online shopper, then the Amazon Prime Rewards Visa Signature Card may be the card that’s been missing from your wallet. It offers a competitive 5% cash back on Whole Foods and Amazon purchases, along with 2% cash back at gas stations, restaurants, and drugstores, along with 1% cash back on everything else. Although the rewards rate at restaurants and gas stations could be higher, this is a reliable credit card for earning rewards on both your online Amazon purchases and everyday purchases.

Amazon Prime Rewards Visa Signature Card Overview 

  • Rewards rate: 5% cash back at Amazon and Whole Foods with Prime membership; 3% without, 2% back at gas stations, restaurants, and drugstores, 1% on everything else 
  • Sign-up bonus: $100 Amazon gift card once approved for the card 
  • Annual fee: $0
  • APR: 15.74% to 23.74% variable
  • Balance transfer fee: 5% or $5 (whichever is greater)
  • Cash advances: 5% or $10 (whichever is greater)
  • Foreign transaction fee: None
ProsCons
  • Minimal fees

  • High rewards rate

  • Redeem rewards at any time
  • Exclusively for Prime members

  • Must maintain Prime membership for best rewards rates

  • No intro APR
  • Who Should Get Amazon Prime Rewards Visa Signature Card? 

    Best for: Prime members who shop at Amazon and Whole Foods frequently. They will get the most out of this card because it offers a high rewards rate of 5% on purchases at both retailers, which allows cardmembers to rack up rewards quickly. 

    Not for: People who aren’t Prime members, as the Amazon Prime Rewards Visa Signature Card is only available for Amazon Prime members. If you don’t have a membership or don’t plan to get one, you shouldn’t apply for this credit card. You should also avoid this card if you want to make balance transfers and pay off debt because it doesn’t have an interest-free period.

    Main Benefits

    High rewards rate at Amazon 

    The main benefit of the Prime Rewards Visa is its high 5% cash back rate at Amazon and Whole Foods. If you shop at Amazon on a regular basis, you could earn a lot of rewards by signing up for it. If you spend $1,400 on Amazon each year, for example, you will receive $70 in cash back by making the switch to this credit card. 

    No annual fee

    The Amazon Prime Rewards Visa Signature Card has no annual fee, which is a big plus. Annual fees range from $25 all the way up to $500 or more depending on the type of credit card, so you could be saving a nice chunk of change by going with this fee-free credit card. 

    Possible Drawbacks

    Only available to Prime Members

    If you don’t have an eligible Amazon Prime membership, you can’t apply for this credit card, which is a bit of a downside. However, you can still sign up for the Amazon Rewards Visa Signature Card if you aren’t a Prime member, which gives you 3% cash back at Amazon and Whole Foods. 

    No intro APR offer 

    Many credit cards offer an interest-free introductory period, but unfortunately, the Amazon Prime Rewards Visa Signature Card doesn’t. So if you want to make balance transfers and pay off high-interest debt, you should find another card with a 0% intro APR. 

    The Competition 

    Amazon Prime Rewards Visa Signature CardAmazon Rewards Visa Signature CardChase Freedom®Citi® Double Cash Card
    Rewards rate5% cash back at Amazon and Whole Foods with Prime membership; 3% without, 2% back at gas stations, restaurants, and drugstores, 1% back on everything else3% cash back at Amazon and Whole Foods, 2% back at gas stations, restaurants, and drugstores, 1% on everything else5% cash back on bonus category purchases, up to $1,500 each quarter1% cash back on all purchases, an additional 1% cash back when you pay back your purchases
    Sign-up bonus$100 Amazon gift card once approved for the card$60 Amazon gift card once approved for the card$200 when you spend $500 within 3 months of opening the accountN/A
    Annual fee$0$0$0$0
    APR15.74% to 23.74% variable15.74% to 23.74% variable16.49% to 25.24% variable (0% intro APR for the first 15 months on purchases and balance transfers)15.49% to 25.49% variable (0% intro APR on balance transfers for the first 18 months)

    Amazon Prime Rewards Visa Signature Card compared to Amazon Rewards Visa Signature Card

    The main difference between the Amazon Prime Rewards Visa Signature Card and the Amazon Rewards Visa Signature Card is the rewards rate. The Prime Rewards Visa offers 5% cash back on purchases at Amazon and Whole Foods, whereas the Rewards Visa only offers 3%. However, because you have to be a Prime member to qualify for the Prime Rewards Visa, the Rewards Visa is still an attractive option for non-Prime members. If you’re not ready to invest in Prime but want to earn rewards on your Whole Foods and Amazon purchases, the Amazon Rewards Visa Signature Card could be the right card for you.

    Besides the rewards rate, these two cards are pretty evenly matched. They both have no annual fees, no foreign transaction fees, and the same APR. Each offers the same purchase protection and travel benefits, so you won’t miss out on any perks by going with the Amazon Rewards Visa Signature Card instead of the members-only Amazon Prime Rewards Visa Signature Card.

    Earning Rewards

    Earning kickbacks on your Amazon Prime purchases is achievable if you know where to spend your card, but that’s not where the rewards end. With the Amazon Prime Rewards Visa Signature Card, you can earn cash back by:

    • Shopping at Whole Foods or on Amazon, where you’ll get 5% cash back
    • Shopping at gas stations, restaurants, and drugstores, where you’ll earn 2% cash back 
    • Purchasing everyday items as normal—you’ll earn 1% cash back on everything else
    • Signing up for the Amazon Prime Rewards Visa Signature Card and getting approved, which earns you a $100 Amazon gift card

    The Bottom Line

    The Amazon Prime Rewards Visa Signature Card has no annual fee and offers great rewards when shopping at Amazon and Whole Foods, which can help you quickly earn cash back to put toward your next online purchase. However, its cash back rate at gas stations, restaurants, and drugstores isn’t high for the industry. So if you’re not a frequent Amazon shopper or a Prime member, you’ll want to look into other cards that offer higher rewards rates on other types of purchases.

    About the Authors

    Brian Robson

    Brian Robson Staff Writer

    Brian Robson has worked on Reviews.com for three years and has studied the insurance market as well as elements of personal finance including credit cards and credit monitoring. His work spans all categories, but he specializes in finance and insurance pieces.