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.
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Terms Apply. For rates and fees of Prime Visa, please visit the Chase website.
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.
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.
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
What's your average monthly spend?
You should easily hit the bonus threshold with this spend!
Rewards percent based on a valuation of 1¢ per Amazon point
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.
Amazon.com, Amazon Fresh, Whole Foods Market, Chase Travel (Eligible Prime Members)
Gas Stations, Restaurants, Local Transit And Commuting (Including Rideshare)
All Other Purchases
Est. Annual Rewards
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.
Travel Accident Insurance
When you pay for your air, bus, train, or cruise transportation with your card, you are eligible to receive up to $500,000 in accidental death or dismemberment coverage.
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.
Travel and Emergency Assistance
If you run into a problem while traveling away from home, this benefit provides legal and medical referrals and access to other travel and emergency assistance services. (You will be responsible for the cost of any goods or services obtained).
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.
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.
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.
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
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Earn 200,000 bonus points
Worth $2,500
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.
Annual Fee
$795
Rec. Credit
Good
Terms apply.
See rates & fees.Earn 100,000 bonus points
Worth $1,250
After you spend $5,000 on purchases in the first 3 months from account opening.
Annual Fee
$95
Rec. Credit
Good
Terms apply.
See rates & fees.Earn 100,000 bonus points
Worth $1,250
After you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee
$795
Rec. Credit
Excellent
Terms apply.
See rates & fees.
