Amazon Prime Visa Review 2024

If you’ve ever shopped on Amazon.com, you’ve probably seen the card_name advertised at checkout. This card, issued through Chase, is a no annual fee rewards card that helps Amazon shoppers maximize their cash-back earnings while enjoying select other benefits.

Here’s a look at what the card_name offers and how to decide if it’s right for you.

TIME’s Take

The card_name is a no annual fee credit card that offers competitive rewards for consumers who regularly spend on Amazon.com, through Amazon Pay, at Whole Foods, or on things like gas and restaurants. It also offers up to 5% back on Chase Travel bookings in addition to certain travel protections, making it a worthwhile consideration for many consumers.

If you’re not an Amazon shopper or don’t want another travel credit card, this might not be the right product for you. It doesn’t offer any luxe travel benefits nor does it earn points or miles that could be transferred to a partner airline or hotel. It also doesn’t have a significant welcome bonus or 0% APR balance transfer offer, if you planned to capitalize on either of those.

Pros and cons

Who is the card for?

The card_name is a co-branded rewards credit card designed for existing Amazon Prime shoppers who want to maximize their rewards on spending without paying an annual fee. This card offers an introductory intro_apr_rate,intro_apr_duration as well, potentially saving cardholders money in interest charges.

The highest rewards rates are reserved for Amazon Prime members. Rewards can be redeemed on Amazon.com, at select merchants who accept Amazon Pay, or through Chase.com for things like gift cards, travel expenses, or cash back.

Features

Here’s a look at some of the key features of this credit card, how they work, and why each one matters.

No annual fee

There is no annual fee for the card_name. Compared to other rewards credit cards, this could potentially save you up to hundreds of dollars per year.

Rewards

The card_name earns at least 1% back on everything you buy, every day. However, it also has multiple bonus rewards categories that can earn you up to 5% back on the things you buy most.

Rewards categories include unlimited:

• 5% back at Amazon.com.
• 5% back at Whole Foods Market.
• 5% back on Chase Travel purchases.
• 2% back at gas stations.
• 2% back at restaurants (including take out).
• 2% back on local transit and community (including rideshare).
• 1% back on everything else.

There are also exclusive card_name bonus offers that allow cardholders to earn 10% back on select items and spending categories. These limited-time offers change frequently, so it’s important to keep an eye out to maximize your earnings.

Rewards can be redeemed on Amazon.com as soon as the next day. You can also choose to redeem your earned cash back at Chase.com for gift cards, travel, or cash back.

Introductory APR

This card offers an introductory intro_apr_rate,intro_apr_duration, which gives you six months of interest-free payments on purchases of $50 or more and 12 months of interest-free payments on purchases of $250 or more when you make equal monthly payments. In order to qualify for the Equal Pay offer, your purchase needs to be made through Amazon or at eligible retailers using Amazon Pay.

There is no promotional APR offer on balance transfers, and you’ll only be able to redeem this offer when paying on, or through, Amazon for your new purchase(s). You also won’t earn rewards on Equal Pay promotion purchases.

The fine print

It’s always important to read the details of any credit card product before applying or using the card. This ensures that you fully understand any applicable fees, limitations, or costs that you might encounter along the way. Here’s a look at some of the fine print for the card_name.

Fees

There are a number of potential fees you could find yourself paying with the card_name, depending on how you use the card. While there is no annual fee or foreign-transaction fees, others include:

• Late fees up to late_payment_fee.
• Returned payment fees up to $39.
• Balance transfer fees of balance_transfer_fees.
• Cash advance fees of cash_advance_fee.
• Monthly fee of 1.72% when enrolling purchases in My Chase Plan.

Interest charges

If you carry a balance from one month to the next, you’ll be subject to finance charges in the form of interest. The APR on this card ranges from reg_apr,reg_apr_type , depending on factors such as your creditworthiness. This rate applies to new purchases, balance transfers, and My Chase Loan funds.

Cash advances are subject to a higher APR of cash_advance_apr, which is also the penalty APR. Penalty APRs may apply if you make a late payment or have a payment returned.

Additional hidden perks

In addition to the benefits mentioned above, there are a few other card_name perks to note.

Consumer protections

This card offers some consumer protections on the things you buy, including extended warranty protection and purchase protection. With extended warranty protection, you’ll get up to an additional year of warranty coverage on any item you buy with a manufacturer’s warranty, as long as the duration is three years or less. With purchase protection, your new item is covered for up to 120 days against damage or theft, for a limit of up to $500 per claim and $50,000 over the lifetime of your account.

Travel protections

Whether you jetset around the world or occasionally take a trip home, the card_name has certain travel protections built in that can make life easier. These include:

• Rental car collision damage coverage.
• Baggage delay insurance.
• Travel accident insurance.
• Travel and emergency assistance services.
• Lost luggage reimbursement.

Roadside assistance

If your car breaks down and you need help, this card offers on-call emergency roadside dispatch. This service can provide you with gas delivery, a jumpstart, a tow, tire change, lockout service, and more. Any applicable fees will be charged to your card.

What could be improved

No card is perfect or right for every consumer. The card_name is no exception. For example, this probably isn’t the best card for someone who isn’t an Amazon Prime member or doesn’t frequently shop on the site or at Whole Foods, as they’ll miss out on the maximum rewards earnings and the simplest redemption options.

If you’re looking to consolidate balances with a 0% APR balance transfer offer, this also isn’t the right card for you. It does have a 0% APR offer, but this is limited to new purchases only. And while the welcome bonus is immediate and doesn’t have a minimum spend requirement, it’s also very small.

Card alternatives

Bottom line

If you’re an Amazon Prime member, and shop on Amazon.com or Whole Foods regularly, the co-branded card_name might be worth a look. This no annual fee credit card provides cardholders with cash-back rewards on all purchases in addition to bonus earnings through Amazon, Whole Foods, or at gas stations and restaurants. It also has certain consumer protections built-in and a 0% APR offer for new cardholders, though this is limited to new purchases only.

Frequently asked questions (FAQs)

What does the card_name card do?

The card_name is a no annual fee credit card offering between 1% and 5% cash back on all purchases. Those made on Amazon.com or at Whole Foods earn the most.. Rewards can be redeemed for cash or through Amazon (including Amazon Pay). In addition, the card provides cardholders with both an introductory 0% APR and a number of consumer and travel protections.

What is the minimum credit score for card_name?

Chase does not publish a minimum credit score requirement for the card_name. However, Chase cash back credit cards typically require good to excellent credit in order to qualify.

Can the card_name be used anywhere?

Yes. The card_name can be used anywhere that Visa is accepted.

How do I pay my card_name?

Your card_name bill will be received by electronic or paper statement, depending on your preferences. You can then make a payment on your card through the website, mobile app, over the phone, or by mailing a check or money order.