Prime Visa

The Prime Visa is Chase's no annual fee rewards card for Amazon Prime members. With an eligible Prime membership it earns unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on travel booked through Chase Travel. On top of that, Prime Card Bonus offers give 10% or more back on a rotating selection of items and categories at Amazon. Outside the Amazon ecosystem the card earns 2% at gas stations, restaurants, and on local transit and commuting, including rideshare, and 1% on everything else. The welcome offer is a $150 Amazon Gift Card loaded instantly on approval for applicants with an eligible Prime membership; the non-Prime Amazon Visa offers $50. There is no foreign transaction fee, and the card includes purchase protection and extended warranty coverage on eligible purchases. The fine print that matters: the headline rates depend on a paid Prime membership, which costs $14.99 per month or $139 per year, so the card's math only works if you were keeping Prime anyway. Without an eligible Prime membership, earning at Amazon.com drops from 5% to 3%. The purchase APR runs 18.99% to 27.74% variable (Chase's terms are based on the 7.00% Prime Rate as of 9/22/2026), and there is no 0% intro APR window for new accounts. Amazon and Chase do advertise optional 0% Equal Pay financing on Amazon.com purchases (Chase's terms list 6, 12, 18, 24 and 30 months, and Amazon's page shows 6 months on purchases of $50 or more and 12 months on $250 or more), but you choose either the 0% plan or earning rewards on that purchase. Approval generally requires good to excellent credit. For a household that already pays for Prime and routes most shopping through Amazon and Whole Foods, the 5% is unlimited, the gift card arrives on approval, and there is no card fee to justify. The 2% categories on gas, dining, and commuting make it serviceable as a light everyday card too. Skip it if you do not plan to keep paying for Prime, since the rewards structure leans on the membership, or if most of your spending happens outside Amazon, where the base rate is 1%. It is also the wrong tool for carrying a balance: at up to 27.74% APR, one revolving month can erase a year of rewards on a modest Amazon budget.