If you’re a regular Amazon Prime shopper, having the Amazon Prime Rewards Visa Signature Card* in your wallet is a no-brainer.

This card lets you earn an impressive cash back rate of 5 percent back on Amazon and Whole Foods purchases as well as 2 percent back at gas stations, restaurants and drugstores. You’ll even get up to a $150 Amazon gift card upon approval and receive access to exclusive limited-time cardholder offers of up to 10 percent back on select items from Amazon.com.

However, this card isn’t just rewarding for online shopping. If you hit the roads and the skies as much as you shop online, you’ll love this card’s travel protections and Visa Signature perks, like free round-the-clock access to concierge services. Read on to learn more about the Amazon Prime Rewards Visa card and whether it could be the next great addition to your rewards credit card rotation.

Amazon Prime Rewards Visa Signature Card travel benefits

While the Amazon Prime Rewards Visa Signature Card is a cash back credit card at heart, it comes with more perks than most people realize. This includes a range of Amazon Prime Rewards Visa Signature Card benefits for travel, many of which are uncommon for this type of card.

Visa Signature perks

Because this is a Visa Signature credit card, a range of travel benefits are automatically included. For example, cardholders have access to a curated list of more than 900 luxury hotels worldwide, known as the Visa Signature Luxury Hotel Collection. You’ll benefit from automatic room upgrades (based on availability), complimentary Wi-Fi (where available), complimentary breakfast for two guests, late check-out upon request (when available) and VIP guest status, among other perks.

Cardmembers can also call the Visa Signature Concierge Service any time of day (for free) to get help making restaurant reservations or booking tickets to concerts, live entertainment, sporting events and more.

Secondary auto rental coverage

This card comes with rental car coverage as well, although it works secondary to any insurance policies you already have. This coverage is good for most car rentals in the U.S. and abroad, and it applies to losses caused by damage or theft.

Travel accident insurance

Cardholders also get travel accident insurance that applies when they travel by air, bus, train or cruise transportation and pay with the Amazon Rewards Visa Signature Card. This protection includes accidental death or dismemberment coverage worth up to $500,000.

Lost luggage reimbursement

Lost luggage reimbursement can pay for losses when a checked bag or carry-on luggage is lost or damaged by a common carrier. This protection is good for the cardholder and their immediate family members, and it’s worth up to $3,000 per passenger.

Baggage delay insurance

Cardholders can rest easy on flights knowing that if their baggage arrives more than six hours late, they’ll receive up to $100 per day for up to three days to cover essentials like clothing and toiletries.

Travel and emergency assistance

If you need legal or medical help while away from home, you can call the card’s Benefits Administrator for travel and emergency assistance.

Roadside dispatch

You can also get help through this card when you’re in a pinch on the road, whether it’s your car or a rental car. With Visa’s Roadside Dispatch, you can call a hotline to be towed, jump start your car, get help changing your tire, access fuel delivery and more. These services aren’t free, but you’ll be glad you can count on them in case of an emergency.

No foreign transaction fees

This rewards credit card doesn’t tack on any foreign transaction fees when you use it for purchases overseas. This makes it a solid card option for international travel.

Amazon Prime Rewards Visa Signature Card consumer protections

The Amazon Prime Rewards Visa Signature Card also comes with some protections for purchases you make. These perks can help you save money or get a replacement if a product you buy with the card is damaged or stolen, or if an expensive item you purchase stops working in the first few years.

Purchase protection

Use your card for purchases and get protection that applies for damage or theft within 120 days. This coverage is good for up to $500 per claim and up to $50,000 per account.

Extended warranties

For U.S.-manufactured items with eligible warranties that you pay for with your Prime Rewards card, the extended warranty protection will extend the warranty by another year. This coverage is good for eligible items with extended warranties of three years or less.

Maximizing the Amazon Prime Rewards Visa Signature Card

To make the Amazon Prime Rewards Visa Signature Card worth it for you, you’ll want to use it for all your Amazon.com and Whole Foods purchases. Doing so will net you 5 percent cash back, which you can redeem for statement credits or more merchandise from the online retailer.

And since it’s a Visa credit card, you can also use it for any other purchases you make. You’ll even earn 2 percent back at restaurants, gas stations and drugstores and 1 percent back on all other purchases when you do.

That said, you should have a plan to pay your balance in full each month if you see yourself using this card for everyday spending and bills. After all, its 14.24 percent to 22.24 percent variable APR will make carrying a balance a costly experience.

The bottom line

If you’re already an Amazon Prime member, adding the Amazon Prime Rewards Visa Signature Card to your wallet can make Amazon’s low prices an even sweeter deal. If you use Prime regularly, the welcome bonus gift card and high-earning rewards categories for Amazon.com and Whole Foods purchases can cover the cost of your membership.

This card also offers competitive rewards rates for non-Amazon purchases at gas stations, restaurants and drugstores, and it comes with a bevy of benefits — roadside protections, a concierge service, hotel perks and travel protections — that make it a great option for travelers.

At the end of the day, all the perks and rewards you’ll get make this card well worth it over the long run, but don’t forget to check out other options on our list of the best credit cards for shopping on Amazon.

*All information about the Amazon Prime Rewards Visa Signature Card has been collected independently by Bankrate.com and has not been reviewed or approved by the issuer.