The Amazon Visa Card has emerged as one of the most appealing credit card options in the United States, particularly for frequent online shoppers who value convenience and rewards. It offers generous cashback rates, no annual fee, and seamless integration with Amazon and Whole Foods purchases, making it a versatile tool for everyday spending.
For Prime members, the benefits are even greater, with enhanced rewards on Amazon.com and Whole Foods Market transactions. Beyond its financial perks, the card provides robust security features, easy account management through the Chase app, and instant usability upon approval, helping cardholders maximize rewards while keeping costs low and shopping experiences effortless.
How the Amazon Visa Card works
Issued by Chase Bank, the Amazon Visa Card works as a traditional credit card with a rewards program that ties directly to Amazon and Whole Foods purchases. Once approved, you receive a digital version of the card immediately, allowing you to shop on Amazon without waiting for the physical card to arrive.
Prime members get the Amazon Prime Visa, which offers higher cashback rates, while non-Prime users receive the Amazon Visa Card with slightly lower rewards. The card is accepted anywhere Visa is, making it suitable for both online and in-person purchases.
Amazon Visa Card starting limit
The starting limit for most new cardholders varies between $500 and $3,000, depending on credit score, income, and payment history. Chase may start some applicants with lower limits to assess usage before granting automatic increases.
Typically, users with good to excellent credit (scores above 700) receive higher limits. To increase your limit, you can request a review through the Chase app after several months of on-time payments and responsible utilization.
Rewards and real-world perks
The main appeal of the Amazon Visa Card lies in its cashback rewards:
- 5% back on Amazon.com and Whole Foods Market (for Prime members).
- 3% back for non-Prime users.
- 2% back at gas stations, restaurants, and drugstores.
- 1% back on all other purchases.
One of the biggest advantages of the Amazon Visa Card is the flexibility it offers when it comes to redeeming rewards. There’s no expiration date on accumulated points, and cardholders can use them in several convenient ways. Rewards can be applied instantly at Amazon checkout, used as statement credits to reduce your balance, or redeemed for travel, gift cards, and other options through Chase Ultimate Rewards.
This versatility allows users to tailor their benefits according to their spending habits and goals. Additionally, new applicants are frequently greeted with a welcome bonus, typically ranging from a $50 to $100 Amazon Gift Card upon approval. This instant perk provides immediate value and makes signing up even more appealing for those who shop regularly on Amazon.
Fees and APR details
One of the standout benefits of the Amazon Visa Card is its no annual fee policy, which makes it accessible to a wide range of consumers seeking value without recurring costs. The variable APR typically ranges from 19.49% to 27.49%, depending on the cardholder’s creditworthiness and financial profile.
However, it’s essential to use the card responsibly. Paying the full balance each month helps avoid interest charges, as the standard APR falls within the average range for mid- to high-tier rewards cards. By maintaining good payment habits, users can maximize the cashback and other perks of the card while keeping their overall borrowing costs low.
Amazon Visa Card vs. other reward cards
When compared to other popular cashback options like the Apple Card or Capital One Quicksilver, the Amazon Visa Card distinguishes itself through its highly targeted rewards structure. While it doesn’t feature rotating bonus categories or the highest flat-rate cashback, its real strength lies in the value it offers to frequent Amazon and Whole Foods shoppers.
For instance, a Prime member who spends around $500 per month on Amazon could earn approximately $25 in cashback monthly, totaling $300 per year. That amount effectively offsets the annual cost of a Prime membership, turning routine spending into meaningful savings, a clear advantage that reinforces why this card remains a top choice among digital consumers.
Pros and cons
Pros:
- High cashback for Amazon and Whole Foods purchases.
- No annual fee and no foreign transaction fees.
- Instant access to rewards.
- Easy approval for existing Chase customers.
Cons:
- Best value limited to Amazon ecosystem.
- High APR for revolving balances.
- Requires Prime for maximum rewards.
Final thoughts: is the Amazon Visa Card worth it?
The Amazon Visa Card is an excellent choice for anyone who shops frequently on Amazon or at Whole Foods Market, offering a practical and rewarding way to earn consistent cashback without the burden of annual fees. Its structure is designed to benefit everyday consumers who value simplicity, flexibility, and direct savings on routine purchases.
However, the card’s full potential truly shines when paired with an active Amazon Prime membership, unlocking the coveted 5% cashback on eligible Amazon and Whole Foods transactions. When used responsibly, by paying off balances in full each month and redeeming rewards strategically, the Amazon Visa can easily rank among the most cost-effective and rewarding credit cards available in 2025.