Prime Visa
What it earns at Amazon and Whole Foods, what it needs from Prime, the welcome gift card and the travel and purchase protection.
← No annual fee and cash back cards
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No annual fee and cash back · Chase
Welcome offer
$150 Amazon gift card
Annual fee
$0
A $150 Amazon gift card loaded to the Amazon account on approval, for Prime members. Without Prime, the card is the Amazon Visa, with a $50 gift card and 3% back at Amazon.
Requires: An eligible Amazon Prime membership for the 5% rateForeign transaction fees: NoneNetwork: Visa
The Atelier Take
If Amazon is a weekly habit, this is the card for that habit and nothing else.
Who it suits
Prime households that buy a meaningful amount on Amazon or at Whole Foods.
Who should skip it
Anyone without Prime (the rate falls to 3%), or anyone looking for travel points: rewards here are cash only.
What it earns
Rewards: Amazon rewards points, worth 1¢ each at Amazon or as cash back.
5%
Amazon.com, Audible, Whole Foods Market and Chase Travel
With an eligible Prime membership
10%+
Rotating Amazon items and categories
Limited-time Prime Card Bonus offers
2%
Gas stations, restaurants, local transit and commuting
Rideshare included
1%
Everything else
Rewards are cash-equivalent: 1 point is worth 1¢ at Amazon checkout, as cash back or toward travel. They do not transfer to airlines or hotels.
Other benefits
Redeem at Amazon
Rewards can be used at checkout as soon as the day after they are earned.
No foreign transaction fees
Unusual among store cards.
What it is worth
No annual card fee, though the 5% rate needs Prime. On $3,000 a year at Amazon and Whole Foods, 5% returns $150, against $60 on a flat 2% card.
Outside Amazon it is ordinary: 2% at restaurants and gas stations, 1% elsewhere.
Insurance and protections
Chase lists these on the card’s page; the Guide to Benefits has the full terms. Pay for the trip or purchase with the card to be covered.
Purchase protection
Damage or theft within 120 days of purchase, up to $500 per item.
Extended warranty
Adds one year to U.S. manufacturer warranties of three years or less.
Lost luggage
Up to $3,000 per traveler for lost, damaged or stolen bags.
Baggage delay
Up to $100 a day for 3 days for essentials when bags are delayed more than 6 hours.
Travel accident insurance
Up to $500,000 when the fare is paid with the card.
Auto rental coverage
Theft and collision damage on most rentals; secondary to personal insurance in the U.S.
Roadside assistance
A dispatch service; the call-out fee is billed to the card.
Pros and cons
Pros
- 5% back at Amazon and Whole Foods with no card fee
- 2% at restaurants, gas stations and on transit
- Instant $150 gift card on approval
- No foreign transaction fees and solid travel protection for a no-fee card
Cons
- Rewards are cash, not transferable points
- Only worth it with a Prime membership
- Weak outside Amazon
Card terms change often and some offers are personalized; the issuer’s page is the final word.