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Amazon Prime Visa: No Annual Fee, Big Rewards
Instant $150 gift card for Prime members and up to 5% back on Amazon purchases. But is it the right card for you?
The Quick Version
The Amazon Prime Visa card offers a $150 Amazon gift card upon approval for Prime members and up to 5% back on Amazon purchases. No annual or foreign transaction fees make it an attractive option for frequent Amazon shoppers. But watch out for the high variable APR ranging from 20.49% to 28.49%.
Rates shown are representative. Your actual rate depends on your credit profile. This is not financial advice.
Amazon Prime Visa Card
Ideal for frequent Amazon shoppers who want maximum rewards.
Amazon Prime Visa Card
The Fine Print
The Amazon Prime Visa card comes with an APR between 20.49% and 28.49%, depending on your credit score, according to Amazon's official page. The card has no annual fee and doesn't charge foreign transaction fees. Prime members earn 5% back at Amazon.com and Amazon Fresh, while non-Prime members earn 3% back.
What's Actually Good
✅ No annual fee and no foreign transaction fees make it friendly for international purchases. ✅ The 5% back on Amazon and Amazon Fresh is a strong draw for Prime members, effectively turning your spending into savings. ✅ The $150 gift card at sign-up is an instant perk, especially if you're already paying for Prime.
The Catch
❌ The variable APR is significantly high, starting at 20.49%, which could become costly if you carry a balance. ❌ Without a Prime membership, the rewards drop to 3%, which could be less enticing compared to other cashback cards.
Who Should Apply
If you're a frequent Amazon shopper with a Prime membership, this card maximizes your rewards. It's best suited for those with a good to excellent credit score (670+). If you travel internationally, the lack of foreign transaction fees is a bonus. However, if you tend to carry a balance, the high APR might outweigh the benefits.
The Bottom Line
The Amazon Prime Visa card is a no-brainer for Prime members who make regular Amazon purchases. Its rewards are hard to beat in that niche, but the high APR means it’s less ideal for those who don't pay their card off in full each month.
Looking for a business card option? Check out Is the Chase Ink Business Cash® Worth Your Wallet?