Prime Visa review
Earning unlimited 5% back on all your Amazon.com, Amazon Fresh, Whole Foods Market and Chase Travel℠ purchases, and 10% back or more on a rotating selection of items and categories on Amazon.com (with an eligible Prime membership) can quickly add up if you regularly shop these websites and stores.
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Key Features
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- This card offers unlimited 5% back on all your Amazon.com, Amazon Fresh, Whole Foods Market and Chase Travel purchases, and 10% back or more on a rotating selection of items and categories on Amazon.com (with an eligible Prime membership). This could add up to some serious cash back if regularly shop these websites and stores.
- Even though this is a branded card, you can still earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare). Additionally, you can earn unlimited 1% back on all other purchases. That makes this a solid cash-back rewards card for just about any everyday purchase.
- With no foreign transaction fees (a relatively unusual feature for a no-annual-fee cash-back rewards card) you can travel abroad without worrying about spending extra on fees.
- The welcome offer is a signup_reward Amazon gift card instantly upon approval exclusively for Prime members. It isn't a bad welcome offer, but it is fairly restrictive. There are other cards out there with more flexible rewards and welcome offers if that's important to you.
CardName essentials
Imagine getting cash back for shopping on Amazon.com and at Whole Foods? That’s not a dream. It’s what you get with the CardName.
The card offers Prime members unlimited 5% back on their Amazon.com, Amazon Fresh, Whole Foods Market and Chase Travel℠ purchases and those points can be redeemed for future Amazon.com purchases or for cash back, gift cards or travel via Chase. Additionally, earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership. Rewards credit cards commonly provide 1.5% or 2% back on purchases – or perhaps more in certain categories – but this card goes well beyond that for Amazon and Whole Foods purchases.
There are other things eligible for rewards, too. You earn unlimited 2% back at restaurants, gas stations and on local transit and commuting (including rideshares), and unlimited 1% back on all your other purchases.
Another benefit that sets this card apart from others is that it doesn’t have an annual fee. You do need an Amazon Prime membership to earn the unlimited 5% back (otherwise, you’d earn 3% back on those purchases). That membership costs $139 annually and has other perks, including free two-day shipping for eligible items, free streaming from the Amazon Prime movie and TV library and a host of other perks and features.
➤ SEE MORE:How to maximize cash back on Amazon purchases
CardName best perks
The unlimited 5% back on Amazon, Amazon Fresh, Whole Foods Market and Chase Travel purchases is one of the more generous benefits available, especially when you see that the amount you can earn isn’t capped. Additionally, you can earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership. The CardName also offers flexibility when you redeem points. Let’s say you make a $100 purchase on Amazon. When you go to pay for the purchase, Amazon allows you to reduce the amount by using your points. So, if you have $50 worth of points in this scenario (that would be 5,000 points), you could use your points and then pay only $50 for the purchase.
Every 100 points are worth $1 toward a purchase. That means if you use your card for $1,000 in Amazon and Whole Foods purchases, that’s 5,000 points or $50 to redeem on Amazon.
Sometimes, you might want to use your points for other reasons. The card lets you redeem points for cash back, gift cards and travel via Chase. For instance, 2,500 points can get a $25 gift card and you can choose from flights, hotels, cruises and car rentals, too.
And we really haven’t discussed that you’ll receive a signup_reward Amazon gift card as a welcome gift immediately upon approval for the card (exclusively for Prime Members).
Beyond being a solid rewards credit card, cardholders also benefit from not having to pay foreign transaction fees, so feel free to take this card with you on your next venture abroad. Plus, there are many card perks. including auto rental collision damage waiver, purchase protection and more.
Additionally, CardName cardholders receive travel benefits like travel and emergency assistance, lost luggage reimbursement, baggage delay insurance and travel accident insurance. There’s also roadside assistance.
Potential downsides of the CardName
There are other rewards cards with more flexible introductory bonuses. Other cards might give you hundreds of dollars’ worth of points when you spend a minimum amount in the first three months. You won’t get that with the CardName. Instead, you receive a signup_reward Amazon gift card instantly upon approval exclusively for Prime members, which might be exactly what someone like you wants given that you’re applying for an Amazon-branded credit card.
There’s also no introductory low or 0% APR period, which could be important if you were wanting to do some serious shopping and have a few extra months to pay it off interest-free.
The card also limits how you can redeem points. For instance, you can’t use your points for Amazon Kindle downloads, digital music, Amazon video titles, Amazon App store apps and Prime memberships. Of course, you can redeem your points for cash back as statement credit or as a deposit into an account, which would, technically, give you the funds to pay for those things. It’s just an extra step to take rather than simply paying with points.
Lastly, this card is only for Prime members. If your Prime membership isn’t kept current once you have the card, you’ll drop to only earning 3% at Amazon.com and Whole Foods Market. Without a Prime membership, the CardName is the card you’ll want to apply for. The CardName offers cardholders 3% back on Amazon and Whole Foods purchases. Otherwise, there’s no difference between the two cards’ rewards programs. All information about CardName has been collected independently by Cardratings. CardName is no longer available through Cardratings.
How the CardName compares to other cards
CardName vs. CardName
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Neither card charges an annual fee and both offer 5% back on specific categories of purchases. While the CardName lets you maximize points on Amazon, Amazon Fresh, Whole Foods and Chase Travel purchases, CardName offers 5% cash back on up to $1,500 spent in categories that rotate each quarter (you must activate the bonus categories quarterly in order to earn at that rate).
You might get 5% back on charges at gas stations one quarter and then enjoy 5% at grocery stores the next. All other purchases get 1% cash back as do your purchases in the bonus categories after hitting the spending cap.
Another huge perk with CardName is that Discover matches all the cash back new cardmembers earn in the first year, which means that earning $150 in cash back during your first year will effectively mean you earn $300 in cash back that first year. Discover also doesn’t charge a foreign transaction fee, but the card isn’t accepted in as many global locations as Visa and Mastercard, so keep that in mind.
CardName vs. CardName
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The CardName doesn’t charge an annual fee and lets you maximize your cash back in a category of your choice. Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy, or home improvement/furnishings purchases. Additionally, earn 2% back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and an unlimited 1% back on all other purchases.
Cardholders also earn a $200 online cash rewards bonus when they make at least $1,000 in purchases in the first 90 days of account opening.
This card is an option if you spend a lot of time at the pump and in grocery store aisles or, thanks to the option to choose your category, if you’re a regular online shopper.
Interested in additional options for online shopping? See our roundup of the best credit cards for online shopping for more.
Who should get the CardName?
The CardName is meant for Prime members who are regular Amazon and Whole Foods Market shoppers. You get unlimited 5% back on those purchases, which is one of the more generous rewards programs, and an additional 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership. Plus, you don’t pay an annual fee. That combination is rare.
Plus, it’s not just an Amazon-branded card; the CardName offers multiple benefits and no foreign transaction fees and the chance to earn bonus rewards beyond your Amazon purchases.
All of these perks, and more, make the CardName a well-rounded credit card.
Frequently asked questions
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Disclaimer:The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.
This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.
