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 rewards you with impressive cash back on Amazon and Whole Foods purchases as well as at grocery stores, restaurants and drugstores. You’ll even receive access to exclusive limited-time cardholder offers of up to 25 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 credit card rotation.
Amazon Prime Rewards Visa Signature Card rewards structure
The most attractive benefit of this card is its high rewards earning rate on purchases through Amazon. Cardholders who have an eligible Amazon Prime membership receive 5 percent cash back at Amazon.com as well as Whole Foods Market, which is owned by Amazon. Cardholders also earn an unlimited 2 percent back at restaurants, gas stations and drugstores and 1 percent back on all other purchases.
Amazon also offers up to 25 percent cash back on select Prime purchases. The digital retail giant has a special page where cardholders can browse hundreds of items that are eligible for an extra 10 percent to 25 percent back for a limited time.
Rewards redemption options
With the Amazon Prime Rewards Visa card, you’re actually earning points, not cash back. Each point is worth one cent. To earn $1 in rewards you’d need to spend $20 on Amazon.com or Whole Foods purchases, $50 on gas station, restaurant or drugstore purchases or $100 on anything else.
You can redeem points by:
- Applying them towards eligible Amazon.com purchases
- Trading them in for cash as an account statement on the card or as a deposit into an eligible checking or savings account
- Exchanging them for gift cards
- Booking trave, including hotels, flights, car rentals and cruises, through Chase
- Amazon Prime Rewards card welcome bonus
New cardholders earn a $100 Amazon gift card upon approval, with no minimum spend required. While other credit cards may offer more generous welcome bonuses, they typically come with a significant spending requirement.
Visa Signature perks
While the Amazon Prime Rewards card is marketed as a retail card, it also has many perks typically associated with travel credit cards.
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), a $25 food or beverage credit, complimentary breakfast for two guests, late check-out upon request (when available) and VIP guest status.
Cardmembers can also call the Visa Signature Concierge Service any time of day (for free) to get help making restaurant reservations, booking tickets to concerts, live entertainment and sporting events and more.
No annual fee
While the Amazon Prime Rewards card has no annual fee, you need a $119 Amazon Prime membership to benefit from its 5 percent back rewards category. That said, the $100 welcome bonus nearly covers this for the first year.
Amazon Prime Rewards cardholder protections
This retail card comes with travel, roadside and consumer protections that come in handy when you’re away from home or notice an unauthorized purchase on your credit card statement.
The Amazon Prime Rewards card has many useful travel perks. For starters, this card doesn’t charge foreign transaction fees, so it’s a solid choice for international travel.
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. And, if luggage goes missing for good or is damaged, this card will reimburse up to $3,000 per passenger.
Plus, if you need legal or medical help while away from home, you can call the card’s Benefits Administrator for travel and emergency assistance.
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.
When renting a car in the U.S. or abroad, you can decline the rental company’s collision insurance and, as long as you pay for the rental with your Amazon Prime Rewards card, you’ll be covered for collision damage and theft costs (secondary to your personal auto insurance).
If you notice purchases that you didn’t make on your billing statement, this credit card’s zero fraud liability ensures you won’t be responsible for these transactions.
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. And, with Purchase Protection, if an item you pay for with the card is damaged or stolen within 120 days of purchase, you can receive up to $500 to replace it (limit of $50,000 per account).
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 your membership.
This card also offers competitive rewards rates for non-Amazon purchases at gas stations, restaurants and drugstores, and comes with a bevy of benefits — roadside protections, a concierge service, hotel perks and travel protections — that make it a great option for travelers.