Prime Visa

Amazon Prime Members, Get a $250 Amazon Gift Card—No Strings Attached

• Get a $250 Amazon Gift Card instantly upon approval.
• No extra work or spending requirement — get an instant decision within 15 seconds!¹ <p class="">If you respond via the Internet, the majority of applications are responded to in less than 15 seconds. Your actual response time may vary depending on the Internet connection and volume of submitted requests. We may not be able to give you an immediate answer in every instance.</p>
• Eligible Prime members earn up to 5% back at Amazon.com, Whole Foods Market, and more, with no annual fee.

Updated January 8, 2026

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FinanceBuzz's credit card experts reviewed dozens of cash back cards and the Prime Visa is one our favorites for its $250 Amazon Gift Card welcome offer, exceptional cash back at Amazon and Whole Foods, no annual fee, and instant decision on approval within 15 seconds.

What You Need To Know

The Prime Visa makes a great everyday credit card as it's packed with excellent benefits — all with a $0 annual fee. Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% on all other purchases. If you spend a good amount on Amazon this card could be worth $100s in cash back every year.

Benefits and perks:

• Powerful welcome bonus: $250 Amazon Gift Card instantly upon approval exclusively for Prime members (limited-time offer)
• Lucrative cash back: Earn up to 5% back on Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel purchases with an eligible Prime membership.
• Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
• No annual credit card fee: Keep even more money in your wallet with a $0 annual fee. 

Recommended Credit Score FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good

670-739

Excellent

740-850

>> Click here to apply for the Prime Visa card

Bottom Line: Who Is This Card Best For?

The Prime Visa is a great choice for anyone who:

• Has good to excellent credit: The Prime Visa is a good choice for applicants with a credit score of 670+.
  
• Shops at Amazon or Whole Foods: If you spend a good amount on Amazon this card could be worth $100s in cash back every year. Don't delay — apply today! 
• Wants to take advantage of the lucrative welcome offer: $250 Amazon Gift Card instantly upon approval exclusively for Prime members (limited-time offer)

>> Click here to apply now and get an instant decision within 15 seconds

Other Cards You Might Like:

The Prime Visa is hard to beat with its generous welcome offer and stellar cash back rates, all with a $0 annual fee. But, if you want to consider other options, here are some contenders:

Discover it^® Cash Back

4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Discover's secure website

Rates and fees

More Details +

If you want to maximize cash back and pay no interest into 2027 on purchases and balance transfers:

With the Discover it^® Cash Back(Rates and fees) card in your pocket, you can enjoy paying no interest on purchases or balance transfers into 2027 while earning some of the highest cashback rewards we've seen from cards with intro APR perks!

Enjoy a 0% intro APR for 15 months on purchases and balance transfers, then APR is 17.49% - 26.49% Variable. This is a great time to pay down credit card debt or help finance a large purchase without adding interest charges. Plus: Discover will match all the cash back you’ve earned at the end of your first year.

Click here to apply now for the Discover it^® Cash Back

4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Rates and fees

Discover it^® Cash Back

Apply Now

on Discover's secure website

Card Details

• INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
• Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
• Redeem cash back for any amount. No annual fee.
• Get a 0% intro APR for 15 months on purchases. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness.
• Terms and conditions apply.

Why We Like It

The Discover it^® Cash Back is ideal for anyone who loves flexible rewards options.

Cardholders can redeem their cash back for any amount.

Earn 5% cash back on rotating bonus categories up to the quarterly maximum when you activate, along with 1% cash back on all purchases. Categories may include places like gas stations, grocery stores, restaurants, and more.

Bank of America^® Customized Cash Rewards credit card

4.5

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Bank of America's secure website

More Details +

If you want to maximize cash back with bonus categories:

A flat cash back structure can be great for simplicity, but bonus categories can really amp up your cash back earning potential. The Bank of America^® Customized Cash Rewards credit card enables you to earn cash back your way by selecting the highest-earning category. You can select a 3% cashback category in the after the first year from account opening in your choice category. This flexibility enables you to earn rewards based on your specific spending habits. All with no annual fee.

Click here to apply now for the Bank of America^® Customized Cash Rewards credit card

4.5

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Bank of America^® Customized Cash Rewards credit card

Apply Now

on Bank of America's secure website

Card Details

• Earn 6% cash back for the first year in the category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
• Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
• $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
• With the Bank of America Preferred Rewards® program, members can earn 25%-75% more cash back on every purchase. That means the 3% choice category could go up to 3.75%-5.25%. The Preferred Rewards bonus is not applied to the 3% first-year bonus.
• No annual fee and cash rewards don’t expire as long as your account remains open.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Why We Like It

The Bank of America^® Customized Cash Rewards credit card is a fantastic card for anyone who loves earning cash back on everyday purchases.

Earn 6% cash back for the first year in the category of your choice (then 3% cash back after the first year from account opening in your choice category) — categories include gas and EV charging stations, online shopping, dining, travel, drug store/pharmacy or home improvement/furnishing; 2% cash back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter); and 1% cash back on all other purchases.

Cardholders also benefit from a long introductory APR on purchases and qualifying balance transfers.