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  1. Credit Cards
  2. Prime Visa
Chase

Prime Visa

The Prime Visa is built for Prime members who spend heavily in the Amazon ecosystem and want simple cash back without paying a card annual fee. It works best as a specialist card for Amazon.com, Whole Foods Market, Amazon Fresh, and a few everyday categories, not as your one-card solution for all spending.

Welcome Offer
Get a $150 Amazon Gift Card
Annual Fee
$0
Rec. Credit Score
Good
Good For
Prime households
Learn MoreEstimate your value
Prime Visa

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Prime Visa worth it?

This card is great for...

Amazon and Whole Foods spending

Gas, dining, and rideshare purchases

No foreign transaction fee travel

If you already pay for Prime and regularly shop at Amazon or Whole Foods, this card is an easy yes. The 5% back rate in those categories is strong for a $0 annual fee card, and the rewards are simple to understand and use if much of your shopping already runs through Amazon. The added 2% back on gas, restaurants, and local transit gives it some everyday usefulness beyond online shopping.

For anyone without Prime, or anyone trying to maximize rewards across all spending, this card is much less compelling. Its value depends heavily on how often you buy from Amazon and Whole Foods, and the rewards are best suited to people comfortable redeeming through Amazon rather than those who want more flexible cash back or transferable travel points.

MaxRewards

MaxRewards Verdict

The Prime Visa is a strong fit for Prime members who naturally do a lot of their shopping with Amazon and Whole Foods. Outside that lane, it is better as a supporting card than a primary wallet card.

Welcome Offer

Get a $150 Amazon Gift Card

instantly upon approval exclusively for Prime members

Est. Value

$150

Required Spend

$1

Time Frame

1 Month

Est. Value

$150

Required Spend

$1

Time Frame

1 Month

Earning

Rewards

This card keeps the rewards story straightforward: high earnings inside the Amazon ecosystem, decent returns on a few everyday categories, and a standard 1% back elsewhere. The key question is how much of your monthly spending actually flows through Amazon, Whole Foods, and Amazon Fresh.

CategoryRate

Amazon.com, Amazon Fresh, Whole Foods Market, Chase Travel (Eligible Prime Members)

5%

Gas Stations, Restaurants, Local Transit And Commuting (Including Rideshare)

2%

All Other Purchases

1%

Rewards percent based on a valuation of 1¢ per Amazon point

Benefits

Insurance

Baggage Delay Insurance

Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.


Purchase Protection

Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.


Auto Rental Collision Damage Waiver

Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance.


Extended Warranty Protection

Extends the time period of the manufacturer’s U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.


Lost Luggage Reimbursement

Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.

Benefits

Status & Access

Visa Signature® Luxury Hotel Collection

Choose from over 900 luxury hotels around the world. Cardmembers receive the best available rate, automatic room upgrades (when available), complimentary in-room Wi-Fi (when available) and more.

Benefits

Other

5% back on Chase Travel purchases

Earn unlimited 5% back on Chase Travel purchases with an eligible Prime membership. You can book flights, hotels, rental cars and more online.

Eligibility

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing

Rates & Fees

Annual Fee

$0

Purchase APR

18.74% - 27.49%

Variable

Transfer APR

18.74% - 27.49%

Variable

Cash Advance APR

28.49%

Variable

Foreign Transaction Fee

None

Balance Transfer

$5

Cash Advance

$5

Late Payment

None

For rates and fees of Prime Visa, please visit the Chase website.

Table of Contents

Prime Visa

Prime Visa

Learn More

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

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Sapphire Reserve for Business℠Sapphire Reserve for Business℠
Limited Time Offer

Earn 200,000 bonus points

Worth $3,000

After you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.

  • 7.5%12%Airline Tickets (Chase Travel), Hotels (Including The Edit) (Chase Travel), Car Rentals (Chase Travel), Cruises (Chase Travel), Activities and Tours (Chase Travel)
  • 7.5%7.5%Lyft Rides
  • 7.5%6%Flights (Booked Direct), Hotels (Booked Direct)

Annual Fee

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Rec. Credit

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Chase Sapphire Reserve®Chase Sapphire Reserve®

Earn 100,000 bonus points

Worth $1,500

After you spend $6,000 on purchases in the first 3 months from account opening.

  • 7.5%12%Purchases (Chase Travel), The Edit (Chase Travel)
  • 7.5%6%Flights (Booked Direct), Hotels (Booked Direct)
  • 7.5%4.5%Dining (Worldwide)

Annual Fee

$795

Rec. Credit

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Ink Business Preferred® Credit CardInk Business Preferred® Credit Card

Earn 100,000 bonus points

Worth $1,500

After you spend $8,000 on purchases in the first 3 months from account opening.

  • 7.5%4.5%Travel, Shipping Purchases, Internet, Cable and Phone Services, Advertising (Social Media Sites and Search Engines)
  • 7.5%1.5%All Other Purchases

Annual Fee

$95

Rec. Credit

Good

View card details