Amazon Visa Credit Card Review [2024]: Earn Lucrative Rewards For Amazon Purchases

CREDIT CARDS - CASH BACK CREDIT CARDS
You can earn valuable rewards with the Amazon Visa card, which can be used on Amazon and Whole Foods Market purchases.
Updated June 5, 2024
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As the largest online retailer in the world, Amazon is a top shopping destination for many people. With the Amazon Visa credit card, you can now earn rewards for all of your Amazon purchases. It offers excellent earning potential for Amazon and Whole Foods Market purchases as well as the ability to earn rewards in other categories.

If you’re looking for a no annual fee rewards card to add to your wallet, this Amazon Visa review will let you know if this card is worth considering.

Easy Cash Back for Amazon and Whole Foods

Amazon Visa
4.7

Amazon Visa

Current Offer

Earn a $50 Amazon gift card upon approval of credit card application

Annual Fee

$0

Rewards Rate

3% cash back at Amazon.com, Whole Foods Market, and on Chase Travel purchases; 2% cash back at restaurants and gas stations, and on local transit and commuting; and 1% cash back on all other purchases

Benefits and Drawbacks
Card Details

In this Amazon Visa Review

Key takeaways

  • The Amazon Visa can be a great fit for people who often shop at Amazon. This card helps you earn 3% cash back at Amazon.com, Whole Foods Market, and Chase Travel since it’s one of the Chase credit cards.
  • The Amazon Visa can also help you earn a $50 Amazon gift card upon approval of credit card application.
  • The annual credit card fee of the Amazon Visa is $0. Additionally, you don't need to be an Amazon Prime member to have this card.

Who should get the Amazon Visa?

If you’re a loyal Amazon shopper, the Amazon Visa may be a good option for you. It offers 3% cash back on Amazon.com, Whole Foods Market, and Chase Travel purchases. Plus, you don’t need to be a Prime member to apply for this card. It’s one of the best cards to use when shopping on Amazon.

It’s also a decent cash back card beyond its earning potential on Amazon purchases. With this card, you’ll also earn 2% cash back at restaurants, gas stations, local transit and commuting and 1% cash back on all other purchases.

If you don’t shop much at Amazon, other cash back credit cards may offer a higher earning rate in spending categories that matter the most to you.

Card basics

Card type Cash back
Issuer Chase
Annual fee $0
Welcome offer Earn a $50 Amazon gift card upon approval of credit card application
Reward rate 3% cash back at Amazon.com, Whole Foods Market, and on Chase Travel purchases; 2% cash back at restaurants and gas stations, and on local transit and commuting; and 1% cash back on all other purchases
Recommended credit score Good
Foreign transaction fee None

Why we like the Amazon Visa: benefits and perks

  • Simple welcome offer: Earn a $50 Amazon gift card upon approval of credit card application.
  • Easy rewards in popular categories: The Amazon Visa earns 3% cash back at Amazon.com, Whole Foods Market, and on Chase Travel purchases; 2% cash back at restaurants and gas stations, and on local transit and commuting; and 1% cash back on all other purchases.
  • Pain-free redemptions: Redeeming points is easy with the Amazon Visa card. As you make purchases on Amazon, choose your Amazon Visa card as the payment method. You’ll then see an option to pay with points, which can save money on Amazon purchases. Points can also be redeemed for statement credits, gift cards, and travel.
  • No annual or foreign transaction fees: There is no annual fee to worry about with the Amazon Visa. It’s also a great card to use when traveling internationally because there are no foreign transaction fees.
  • Visa Signature benefits: Enjoy all the perks that come along with being a Visa Signature cardmember. This includes access to concierge services, exclusive events, auto rental collision damage waiver, extended warranty protection, travel and emergency assistance, zero liability on fraudulent charges, and much more.

What we don't like about the Amazon Visa: drawbacks

  • Welcome offer: Although this card does offer an instant welcome offer once you’re approved, other credit cards offer more lucrative welcome bonuses. Some offer bonuses up to $300.
  • Earning categories: If you aren’t a loyal Amazon or you don't have Whole Foods purchases, you may be better off with a cash back card that offers a flat rate on every purchase. This will give you the opportunity to earn rewards on everything you buy, not just purchases in specific categories.

Earning and redeeming with the Amazon Visa card

Potential earnings in years one and two

Here's a look at how your rewards can add up with the Amazon Visa card.

Remember, this is an estimation. The actual value will be determined by how much you spend and in which categories you spend.

Year one earnings: $765 in Amazon rewards

Year two earnings: $715 in Amazon rewards

These values are based on the FinanceBuzz Credit Card Rewards Valuation Model, which takes a look at rewards earned via spending, the sign-up bonus, and the annual fee. Note that you can get more value from this card if you do your grocery shopping at Whole Foods.

Best ways to earn

Earning cash back with the Amazon Visa is easy. Cardholders earn 3% cash back at Amazon.com, Whole Foods Market, and on Chase Travel purchases; 2% cash back at restaurants and gas stations, and on local transit and commuting; and 1% cash back on all other purchases.

Categories Rewards rate
Amazon.com, Whole Foods Market, and Chase Travel 3%
Restaurants, gas stations, local transit and commuting 2%
All other purchases 1%

Maximizing your redemptions

Like many other Amazon-branded products, the Amazon Visa was created to encourage you to spend more at Amazon. Amazon is the world’s largest online retailer, and offering credit cards is a way for it to continue to expand its market.

You’ll get the most value from this card’s rewards by using your credit card points on Amazon purchases. When you choose your Amazon rewards card as the payment option, you’ll see your available points and can choose to use them for select purchases.

You can also earn cash back for your rewards points in the form of statement credits or electronic deposits into a bank account. Rewards can also be used to purchase gift cards and travel through the Chase travel portal. Redemption values can vary on these options.

Amazon Visa card FAQ

Can you use the Amazon Visa card anywhere?

Visa is accepted at most merchants worldwide, so your Amazon Visa can be used almost anywhere.

How can I get cash from the Amazon Visa credit card?

To get cash from your Amazon Visa credit card, you’ll need to take out a cash advance through any ATM that accepts Visa credit cards. Simply insert your card into the ATM, enter your PIN if you previously set it, and choose the withdrawal or the cash advance option.

Keep in mind that a cash advance from Amazon Visa will charge you a fee of either $5 or 4%, whichever is greater, of the amount of each transaction. Cash advances also typically have high APR rates and begin accruing interest immediately. This makes them a costly option to access cash. Learn more about how cash advances work.

What credit score do you need for the Amazon card?

No credit score requirements are published for the Amazon Visa. Typically, you’ll need a good credit score to qualify for most cards, which is a score above 700.

Which Amazon card is best?

Determining the best Amazon credit card depends on your needs and whether you are an Amazon Prime member. Prime members should consider the Prime Visa to take advantage of higher earning rates at Amazon and Whole Foods Markets.

It requires an Amazon Prime membership, though, which adds another cost each year. If you want to earn Amazon rewards but aren’t interested in Prime, stick with the Amazon Visa.

Other cards to consider

Amazon has another credit card available with higher earning rates than the Amazon Visa card. The Prime Visa earns 5% cash back at Amazon.com, Whole Foods Market, and on Chase Travel purchases; 2% cash back at restaurants and gas stations, and on local transit and commuting; 1% cash back on all other purchases. This Visa card has a $0 annual fee and requires an eligible Prime membership to qualify. You can earn a $100 amazon gift card upon approval.

For more details, read our Prime Visa review.

There are other excellent cash back cards besides ones offered by Amazon, such as the Bank of America® Customized Cash Rewards credit card. New cardmembers can earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. The Bank of America Customized Cash Rewards credit card has a $0 annual fee and comes with a 0% introductory APR on purchases for 15 billing cycles (then 19.24% - 29.24% Variable). It also has great rewards-earning potential, earning 3% cash back in the category of your choice and 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and 1% on all other purchases.

For more details, read our Bank of America Customized Cash Rewards credit card review.

Amazon Visa Credit Card: bottom line

The Amazon Visa can be a good choice for Amazon and Whole Foods Market shoppers seeking a rewards card with $0 annual fee. Plus, new cardholders can earn a $50 Amazon gift card upon approval of credit card application.

However, this card’s perks and benefits aren’t as useful outside Amazon and Whole Foods. If you mostly shop at other online retailers or grocery stores, you may find a better fit in our list of the best credit cards for earning cash back.

Easy Cash Back for Amazon and Whole Foods

Amazon Visa
4.7

Amazon Visa

Why We Like It

Earn a $50 Amazon gift card upon approval of credit card application

See how these cards compare:

Prime Visa
Prime Visa
  • $100 Amazon gift card upon approval
  • 5% cash back at Amazon.com, Whole Foods Market, and Chase Travel
  • No foreign transaction fees
  • No annual fee
Bank of America® Customized Cash Rewards credit card
Bank of America® Customized Cash Rewards credit card
  • Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Up to 3% cash back in one category of your choice
  • Long intro APR on purchases and qualifying balance transfers
  • No annual fee

Author Details

Kevin Payne Kevin Payne is a freelance writer specializing in student loans, credit cards, personal finance, and travel. He is a regular contributor to Club Thrifty, Millennial Money, and Student Loan Planner. As the budget and family travel expert behind FamilyMoneyAdventure.com, Kevin recently turned his writing side hustle into his full-time career. He lives in Cleveland, Ohio, with his wife and four kids.