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Prime Visa card review: The ideal card for shoppers

One of the best retail store card options for online shoppers, especially for people with Amazon Prime subscriptions.

 /  13 min
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Snapshot

4.1

Bankrate rating
Info
Rating: 4.1 stars out of 5

Bottom line

The Prime Visa card is a must-have for frequent Prime shoppers, as it offers impressive reward categories and benefits for the retail giant. However, you might want to look elsewhere if you prefer shopping at retail stores other than Amazon and don’t shop at Whole Foods.

BEST FOR ONLINE SHOPPING
Apply now Lock
on Amazon's secure site
  • Rewards value
    Rating: 4 stars out of 5
    4 / 5
    APR
    Rating: 4 stars out of 5
    4 / 5
    Rewards flexibility
    Rating: 2.3 stars out of 5
    2.3 / 5
    Features
    Rating: 3 stars out of 5
    3 / 5
Good to Excellent (670 – 850)
Info
Recommended Credit

Get a $100 Amazon Gift Card

Intro offer

Info

1% - 5%

Rewards rate

Info

$0

Annual fee

20.49% - 29.24% Variable

Regular APR

Prime Visa Card Overview

The Prime Visa Card is a top credit card for online shopping due to its high rewards rates on Amazon purchases with no spending caps and Visa Signature benefits. It allows you to easily offset the cost of your Amazon Prime membership through Amazon purchases while enjoying key perks, such as travel and purchase protections. 

The most significant drawbacks are the Amazon Prime membership cost and the best rewards rates are limited to Amazon-related purchases. But these are minor considering the various products you can purchase through Amazon.

  • Credit Card Cash Back

    Rewards

    • 5 percent back at Amazon.com and Whole Foods Market
    • 5 percent back on Chase Travel℠ purchases
    • 2 percent back at restaurants and gas stations 
    • 2 percent back on local transit and commuting
    • 1 percent back on all other purchases

    Expert Appraisal: Exceptional
    See our expert analysis

  • Rewards

    Welcome offer

    • Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members

    Expert Appraisal: Fair
    See our expert analysis

  • Credit Card Search

    Rates and fees

    • No annual fee ($139 Amazon Prime subscription required)
    • No foreign transaction fee
    • 20.49 percent to 29.24 percent variable ongoing APR

    Expert Appraisal: Typical
    See our expert analysis

  • Congrats

    Other cardholder perks

    • Travel and purchase protections
    • 10 percent Prime Card bonus on select purchases
    • Access to Chase Offers

    Expert Appraisal: Good
    See our expert analysis

Prime Visa card pros and cons

Pros

  • Checkmark

    The card’s high earning rate at Amazon.com and Whole Foods makes everyday and grocery store purchases exceptionally rewarding.

  • Checkmark

    A combination of high rewards rates for Chase travel purchases and no foreign transaction fees offers rare (but welcome) extra value for a store card.

  • Checkmark

    Cardholders can redeem rewards at an equal rate for cash back, travel and Amazon purchases, which provides plenty of flexibility.

  • Checkmark

    It comes with substantial travel and purchase protections, plus Visa Signature benefits, such as Luxury Hotel Collection perks and concierge services.

Cons

  • The $139 required for Amazon Prime membership is effectively an annual fee.

  • There is no option to transfer reward points to other programs, so cardholders are limited in their redemption options.

  • Although it’s a Chase credit card, cardholders do not earn Ultimate Rewards points and cannot use the Chase Ultimate Rewards portal.

Why you might want the Prime Visa Card

If you're a frequent Amazon shopper, the Prime Visa card is one of the best  — if not the best — ways to earn cash back with the online retailer. You can also earn rewards for shopping at Whole Foods, restaurants, gas stations and more. This flexibility is astounding for any cash back card, let alone a retail card, and the card also carries a decent welcome offer and a great range of protections.

Rewards: Unmatched rewards rate at Amazon.com and Whole Foods

Amazon.com, Whole Foods Market and Chase travel purchases earn an unlimited 5 percent back in rewards. Plus, you’ll earn 2 percent at restaurants, gas stations and transit and 1 percent back on all other purchases.

Regular Amazon shoppers should have no problem earning plenty of rewards with the Prime Visa card. With one of the highest earning rates available for Amazon purchases, you’ll only need to spend $2,780 each year — or about $232 per month — on Amazon or Whole Foods purchases to offset the cost of your Prime membership. Since you can purchase nearly anything from the retailer, even occasional Amazon shoppers could benefit from adding this card to their wallet.

The 5 percent category also applies to Whole Foods Market. This is a remarkably competitive rate for grocery purchases considering the Prime Visa is a store card. Its uncapped rate makes the Prime Visa one of the best cards for grocery rewards rates if you do your grocery shopping at Whole Foods Market.

Welcome offer: Solid value for a retail card

Amazon offers a gift card worth $100 just for getting approved for the Prime Visa card. While that falls short of the bonus value on some of the best no-annual-fee cash back and rewards cards, it's still impressive for a retail card bonus. Many store cards offer no sign-up bonus at all. 

The new bonus stands out among the best credit card sign-up bonuses since you receive the bonus instantly upon approval. Most bonuses of this value require at least $500 in spending within your first three months. If nothing else, the bonus can offset a large chunk of the cost of an Amazon Prime membership for the first year. 

Cardholder perks: Strong travel protection for a store card

The Prime Visa card carries a surprising number of benefits for a retail card, including top-tier travel protections. The card’s auto rental collision damage waiver, roadside dispatch, travel accident insurance (coverage up to $500,000), lost luggage reimbursement (up to $3,000 per passenger) and baggage delay insurance (reimburses up to $100 per day for three days) can help you recoup some expenses if your trip doesn’t go as planned.

The Prime Visa also offers purchase protection that covers damage or theft for new purchases for 120 days up to $500 per claim ($50,000 per account). Considering how light co-branded store cards are on perks, the Prime Visa card’s depth of travel and purchase protection coverage is remarkable. 

Why you might want a different rewards card

While the Prime Visa card offers great tiered rewards, it may not be the best option if you don’t shop with Amazon Prime or Whole Foods. Additionally, point redemption options are limited as you cannot redeem points towards any Chase Rewards programs or portals, nor can you pool points with any Chase Ultimate Rewards cards you may have.

Rates and fees: Must have an Amazon Prime membership 

The rates and fees for the Prime Visa card are standard, but the “no annual fee” comes with an important footnote. You must have an Amazon Prime membership to get the card, which is currently priced at $14.99 per month or $139 per year if paid annually.

It takes spending at least $232 each month on Amazon.com and Whole Foods combined with your card to break even on a Prime membership. Otherwise, you must spend almost $580 per month across your 2 percent categories with the card to break even with the Prime membership cost. The no-annual-fee Amazon Rewards Visa Signature Card might be a more reasonable alternative if you spend little on Amazon.

Redemption options: Limited for a Chase card

While the reward terms may suggest you’re earning cash back on purchases, in reality, you are earning points. These points have a 1:1 value and can be redeemed for cash back, travel, gift cards, or Amazon purchases upon checkout. Essentially, each point earned with the Prime Visa card is worth 1 cent, regardless of how you choose to redeem it. For instance, 5,000 Amazon points equate to $50. 

While there is no minimum rewards balance required to redeem for cash back or Amazon purchases, there’s a disappointingly long list of items you can’t buy with points. Many of these items are small purchases that you would probably use points on more often, such as digital music, Kindle eBooks and video downloads. In this case, other cash back cards that let you shop with points are more valuable for redeeming points on Amazon purchases.

Another drawback is you cannot transfer points to Chase’s travel partners or other Chase rewards cards. This is a huge bummer considering the Chase Ultimate Rewards portal is one of the most rewarding travel portals, and several Chase cards can access it. 

We tried it: Here’s what our experts say

Several members of the Bankrate staff love the Prime Visa card and dedicate a regular slot in their wallets to it. Bankrate editor Nouri Zarrugh enjoys the versatility Amazon.com online shopping rewards add to his credit card rotation:

The Prime Visa card has given a nice boost to my cash back strategy. Considering the variety of items available on Amazon, this card gets you 5 percent back on almost anything you can think of — from streaming subscriptions via Amazon Channels to grocery deliveries via Amazon Fresh or Whole Foods to tools and home goods — making this easily one of the most versatile cards in my wallet.

— Nouri Zarrugh, Senior Editor, Bankrate

How the Prime Visa compares to other rewards cards

While maybe not as lucrative for Amazon.com purchases, certain credit cards still provide rewards for both online and in-store shopping. Depending on your preferences, one of these cards could be a good option. 

Image of Prime Visa
Bankrate Score
Apply now Lock
on Amazon's secure site

Annual fee

$0

Intro offer

Get a $100 Amazon Gift Card
Info

Rewards rate

1% - 5%
Info

Recommended Credit Score

Good to Excellent (670 – 850)
Info
Image of Capital One Walmart Rewards® Mastercard®

Capital One Walmart Rewards® Mastercard®

Annual fee

$0

Intro offer

5%
Info

Rewards rate

1% - 5%
Info

Recommended Credit Score

Fair to Good (580 – 740)
Info
Image of Bank of America® Customized Cash Rewards credit card
Bankrate Score
Apply now Lock
on Bank of America's secure site

Annual fee

$0

Intro offer

$200
Info

Rewards rate

1% - 3%
Info

Recommended Credit Score

Good to Excellent (670 – 850)
Info

Best cards to pair with the Prime Visa card

The Amazon Prime Visa card is great for earning rewards on Amazon purchases, but for more general rewards, a general-purpose cash back credit card is a great complement. Consider using a flat-rate card to earn cash back on all other purchases you make. 

Who is the Amazon Prime Visa card right for?

The Amazon Prime Visa isn’t the best rewards card for everyone, but if you fall into one of these categories, it could be the best one for you.

Bankrate’s Take — Is the Amazon Prime Visa worth it?

The Prime Visa card is undoubtedly worth it if you frequently order from Amazon — especially if you spend big during the holidays or on Amazon Prime Day. The unlimited 5 percent rewards easily outperform other credit cards’ online shopping categories, and you should be able to offset your Prime membership cost without overspending, better protect your purchases and enjoy a few travel perks while you’re at it. 

On the flip side, a general-purpose rewards card may earn more rewards for your spending if you want higher rates on bonus categories or at other retailers. Still, the Prime Visa offers better rates and more versatile rewards than many store cards, making it an excellent choice.

**All information about the Capital One Walmart Rewards® Mastercard® has been collected independently by Bankrate.com and has not been reviewed or approved by the issuer.

How we rated this card

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We rate credit cards using a proprietary card scoring system that ranks each card’s estimated average rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more against those of other cards in its primary category.

Each card feature is assigned a weighting based on how important it is to people looking for a card in a given category. These features are then scored based on how they rank relative to the features on other cards in the category. Based on these calculations, each card receives an overall rating of 1-5 stars (with 5 being the highest possible score and 1 being the lowest). 

We analyzed over 150 of the most popular rewards and cash back cards to determine where each stacked up based on their value, cost, benefits and more. Here are some of the key factors that influenced this card’s overall score and how the score influenced our review:

Frequently asked questions

Written by
Re'Dreyona Walker
Associate Editor, Credit Cards
Re'Dreyona Walker is an editor for Bankrate and CreditCards.com, focusing on product guides and reviews. As a personal finance expert, she is dedicated to providing honest product reviews as well as in-depth, comprehensive guides to assist readers in building credit and finding the best credit cards for their needs.
Edited by Senior Editor, Credit Cards

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Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.