The Amazon Prime Rewards Visa Signature Card has a few notable benefits that you’ve probably heard about. The card has no annual fee, yet offers generous category bonuses on purchases both at Amazon and beyond. This rewards credit card even offers a $100 Amazon gift card upon approval (limited-time offer through Nov. 30, 2021—$200 for approved Prime members and $100 for approved non-Prime members). But there is a little-known benefit that could be more valuable than all of these features combined: up to 25 percent cash back on select Amazon purchases.
Whether you’re a frequent Amazon shopper or use the site primarily during the holiday season, this card benefit can add up to substantial savings.
Here’s everything you need to know about the Amazon Prime Rewards Visa Signature Card’s discount of up to 25 percent on select purchases, from what types of products qualify for this discount to how exactly it’s applied.
Which items are eligible for up to 25% cash back?
Select items listed on the promotion page qualify for up to 25 percent cash back. They include office supply products, toys, kitchen appliances and electronics. The electronics category can be particularly valuable, with discounts frequently offered on Pixel phones, select laptops, tablets and more. In the kitchen product category, you can enjoy discounts on Breville espresso machines, Vitamix blenders and other essential household appliances.
Considering the cost of some of these products, the discount of up to 25 percent can translate to substantial savings. Plus, many of these products are already on sale, making the Amazon Prime Rewards Visa Signature bonus even more attractive.
Note that in order to qualify for this discount, the item you purchase must be sold and shipped by Amazon and paid for with an eligible card. The bonus cash back reward will post to your account within a week and be available to use within one to two billing cycles.
Is the discount always up to 25% cash back on select purchases?
The normal Prime card bonus is 10 percent. However, at different times, the discount can increase to upwards of 25 percent for a limited time. The timing often coincides with the holiday shopping season. With Amazon being a hotspot for deals, this offer creates an added incentive for Prime members to get an Amazon Prime Rewards Visa and for existing cardholders to do their holiday shopping on Amazon.
Is this in addition to the 5% cash back on Amazon?
The cash back doesn’t stack. The higher cash back rate includes the 5 percent cash back you’d normally earn on Amazon purchases with the Prime card. As such, you won’t earn additional cash back beyond the maximum 25 percent.
Who qualifies for the Amazon Prime Rewards Visa Signature Card?
To qualify for the Amazon Prime Rewards Visa Signature Card, you must first and foremost have an Amazon Prime membership, which costs $119 per year. Additionally, you’ll need a good credit score, falling in the 670 to 850 range. It’s important to note that banks take various factors into consideration when evaluating credit card applications. Even if your credit score falls into the above range, it’s not a guarantee that you’ll be approved.
If your credit score falls short of this range, be sure to read our tips on how to improve your credit score before applying for this card.
Which other Amazon cards are eligible for up to 25% cash back on select items?
Three Amazon credit cards are eligible for up to 25 percent cash back on select items: the Amazon Prime Rewards Visa Signature Card, Amazon Prime Store Card and Amazon Prime Secured Card. All three cards are open to Amazon Prime members and carry no annual fee.
Outside of this promotion, you’ll earn 5 percent cash back on Amazon purchases with the Amazon Prime Rewards Visa and Amazon Prime Store Card. The Amazon Prime Secured Card earns 2 percent cash back on Amazon purchases.
Meanwhile, the Amazon Prime Rewards Visa also offers 5 percent cash back at both Amazon and Whole Foods, along with 2 percent back at restaurants, gas stations and drugstores. All other purchases earn 1 percent cash back, making this the best of the three card options if you want to earn rewards outside of Amazon.
The bottom line
The Amazon Prime Rewards Visa Signature Card bonus of up to 25 percent on select items is a great offer, especially in the throes of the holiday shopping season. The card has no annual fee and offers generous category bonuses beyond this limited-time offer. If you’re already a Prime member and do a lot of shopping on Amazon, this card is a good pick due to its 5 percent cash back on Amazon purchases. The additional cash back potential on an array of items is simply icing on the cake for those who know they’ll be clicking “Buy Now” more than a few times during the holidays and beyond.