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Prime Visa Review: One of the Very Best Store Credit Cards

Review Updated
Lyle Daly
Author: Lyle Daly
Lyle Daly
Lyle Daly
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Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. His work with Motley Fool Money and The Motley Fool has appeared syndicated in USA Today and Yahoo! Finance. He was born in California but currently lives as a digital nomad with a home base in Colombia.

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Nathan Alderman
Fact Checked: Nathan Alderman
Nathan Alderman
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Nathan Alderman has been a full-time Motley Fool employee since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As Motley Fool Money's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.

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Chase and Amazon have put together a winner with the Prime Visa. Available exclusively for Prime customers, this Amazon credit card earns an impressive 5% back on Amazon and Whole Foods purchases and offers lucrative bonus opportunities. See everything this card has to offer in our full Prime Visa review.

Ratings Methodology
Prime Visa
Apply Now for Prime Visa

On Chase's Secure Website.

Prime Visa

Great for: Amazon Prime members

Apply Now for Prime Visa

On Chase's Secure Website.

Prime Visa
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
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Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
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Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Prime Visa

On Chase's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.74% - 28.49% Variable

Rewards Circle with letter I in it. Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% on all other purchases

1% - 5% back

Annual Fee

$0

Welcome Offer Circle with letter I in it. Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members

Get a $150 Amazon Gift Card

  • If you have an Amazon Prime account, do we have the card for you! This one is part of Chase's lineup, and earns a whopping 5% cash back on Amazon, Whole Foods, and Amazon Fresh purchases. Best of all, that cash back is available to you as soon as the next day -- so if you make frequent Amazon purchases and have a Prime membership, you'll easily save.

    • Big Amazon and Whole Foods rewards
    • Instant Amazon gift card
    • No annual fee
    • Consumer and travel protections
    • No 0% intro APR offer
    • Requires Prime membership
    • Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members
    • Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
    • Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
    • Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
    • Earn unlimited 1% back on all other purchases
    • No annual credit card fee
    • No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
    • Member FDIC

Credit card comparison

We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.

Offer Our Rating Welcome Offer Rewards Program APR Learn More
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
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Best for cash back on rotating categories 		Discover will match all the cash back you’ve earned at the end of your first year. 1% - 5% Cashback Circle with letter I in it. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

Intro:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular: 18.49% - 27.49% Variable APR *Rates as of December 12, 2024.

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Rates & Fees External Link Icon

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
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Best for cash rewards on everyday spending 		$200 cash rewards Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. 2% cash rewards Circle with letter I in it. Earn unlimited 2% cash rewards on purchases.

Intro: Circle with letter I in it. 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 12 months from account opening

Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers

Regular: 19.24%, 24.24%, or 29.24% Variable APR

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
= Good
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Best for unlimited rewards on purchases 		25,000 points Circle with letter I in it. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases 1.5 points per dollar Circle with letter I in it. Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open.

Intro: Circle with letter I in it. 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.49% - 28.49% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers.

Purchases: 0% Intro APR for 15 billing cycles for purchases

Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular: 18.49% - 28.49% (Variable)

Apply Now for Bank of America® Travel Rewards credit card

On Bank of America's Secure Website.

Full Prime Visa review

This credit card is a good fit for: Amazon Prime members who want to earn as much back as possible on purchases with the retail giant.

Top perks

Here are all the best benefits you get with the Prime Visa.

Up to 5% back

Here are the Prime Visa's cash back rates:

  • 5% cash rewards on Amazon, AmazonFresh, and Whole Foods, and Chase Travel purchases with an eligible Prime membership
  • 2% cash rewards on restaurants, gas stations, local transit, and commuting (including rideshare)
  • 1% cash rewards on other purchases

Unlike lots of cash back cards, you don't need to wait long to use your rewards. You can redeem them at Amazon.com as soon as the next day. Or, you can redeem them with Chase for cash back, gift cards, or travel.

Get a $150 Amazon Gift Card

Get a $150 Amazon Gift Card upon approval for the Prime Visa. This is loaded to your Amazon account, so you can use it right away. It's a reasonable amount, and unlike most credit card sign-up bonuses, it doesn't require you to spend anything to earn it.

Pay over time 0% APR plans

This credit card offers financing plans with a 0% APR. You can pay off purchases of $50 or more in six equal monthly payments and purchases of $250 or more in 12 equal monthly payments. If you don't pay off the purchase within that time period, any remaining amount will start incurring interest charges at your card's standard purchase APR.

Note that purchases paid for this way aren't eligible to earn rewards. When you make the purchase, you need to choose between earning cash back or 0% APR financing.

Consumer and travel protections

This Amazon card has several complimentary protections that can come in handy if anything goes wrong with a trip or purchase. These include:

  • Auto rental damage collision waiver
  • Baggage delay insurance
  • Extended warranty protection
  • Lost luggage reimbursement
  • Travel accident insurance
  • Purchase protection

No foreign transaction fee

The Prime Visa doesn't charge a foreign transaction fee. Many cash back cards do, with the standard amount being 3%, which makes them a poor choice for spending outside the United States. With this Amazon credit card, you can use it no matter where you travel without extra charges.

What could be improved

While the Prime Visa doesn't have any glaring flaws, there are some minor drawbacks to this credit card.

Requires Prime membership

The Prime Visa doesn't charge an annual fee, but it requires cardholders to have a Prime membership. That costs $14.99 per month or $139 per year. If you don't have a Prime membership, you can still apply for an Amazon credit card, but you'll only be eligible for the Amazon Visa. This has lower cash back rates and a smaller welcome offer. In that situation, you may want to look at other credit card reviews first to see if there's a better option out there.

No 0% intro APR offer

Although this card gives you the option to pay over time with a 0% APR, it doesn't have a 0% intro APR that applies to all purchases or balance transfers. Other cards do, which is helpful if you need interest-free financing for more than just Amazon purchases or if you want to refinance credit card debt. If so, check out our top picks for these types of cards:

Find the best credit card for your needs
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Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.

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Suggested credit score

A FICO® Score of 670 or higher is recommended to apply for the Prime Visa. This card is aimed at consumers with good credit, although it's possible to get approved with a lower credit score.

Because Chase issues this credit card, it's subject to the Chase 5/24 rule. If you've already opened five or more credit cards within the previous 24 months, any application for a Chase card like this one will most likely be denied.

The Prime Visa is right for you if:

If you're always shopping on Amazon and you buy your groceries at Whole Foods, the Prime Visa will fit you like a glove.

A 5% cash back rate is something you only see with the best credit cards. Those also normally have spending caps on how much bonus cash back you can earn. This Amazon credit card is an exception, because its 5% rates apply no matter how much you spend.

If this credit card isn't right for you, head over to see our guide on the best credit cards for Amazon, where you can explore more cards that may better fit your needs.

Our credit card methodology

At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how Motley Fool Money rates credit cards.

FAQs

  • The credit limit for the Prime Visa ranges from $500 to over $10,000 depending on the cardholder's income and credit history.

  • The Prime Visa doesn't charge a monthly or annual fee. However, you need to be an Amazon Prime member to qualify for the card, and that program has a membership fee.

  • Yes, students can qualify for the Prime Visa. Eligibility requirements are the same for students as any other applicant. They must have an Amazon Prime or Amazon Prime Student membership, a form of income, and an established credit history.