Maximize Your Savings with the Amazon Prime Rewards Visa Signature Card

This card offers 5% back at Amazon and Whole Foods Market, with no annual credit card fee. Explore its benefits today. Continue reading to learn more.

By: Bruna Silveira in February 12, 2025 Last Update: February 18, 2025

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The Amazon Prime Rewards Visa Signature Card is an attractive option for frequent Amazon and Whole Foods Market shoppers.

Offering 5% cashback on purchases for Prime members and additional benefits, the card helps maximize savings on everyday expenses.

However, before applying, it’s essential to understand its benefits, drawbacks, and costs. This guide covers everything you need to know about the card, including how to apply and activate it.

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Benefits

The Amazon Prime Rewards Visa Signature Card offers several advantages for those who shop regularly at Amazon and Whole Foods Market. Some of its main benefits include:

5% cashback at Amazon and Whole Foods Market for eligible Prime members.
2% cashback on dining, gas stations, and drugstores.
1% cashback on all other purchases.
No annual credit card fee, making it a cost-effective rewards card.
No foreign transaction fees, perfect for international travelers.
Travel and purchase protections, including extended warranties and fraud protection.

Prerequisites

To apply for the Amazon Prime Rewards Visa Signature Card, applicants must meet certain requirements:

Be a U.S. resident with a valid Social Security Number (SSN) or ITIN.
Have an eligible Amazon Prime membership.
Possess a good to excellent credit score (typically 670+).
Be at least 18 years old (or 19 in some states).
Provide income information, as required by Chase.

About the Chase Bank

The Amazon Prime Rewards Visa Signature Card is issued by Chase Bank, a subsidiary of JPMorgan Chase & Co.

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With over 200 years in the market, Chase is one of the largest financial institutions in the U.S., serving millions of customers.

The bank is known for its strong security measures, excellent customer service, and a variety of credit card offerings, including partnerships with major brands.

Chase also provides fraud protection, travel benefits, and extended purchase warranties.

Who Is This Card For?

This card is ideal for:

Amazon Prime members who frequently shop on Amazon and Whole Foods Market.
People who spend on dining, gas, and drugstores, as the card offers 2% cashback.
Travelers who want to avoid foreign transaction fees.
Individuals with good to excellent credit scores looking for a rewards card.

However, this card may not be ideal for those who don’t shop on Amazon frequently or don’t have an Amazon Prime membership.

What Rewards and Programs Does the Card Offer?

The Amazon Prime Rewards Visa Signature Card offers a competitive cashback rewards program:

5% cashback at Amazon and Whole Foods Market.
2% cashback at restaurants, gas stations, and drugstores.
1% cashback on all other purchases.
No expiration on earned rewards.
Flexible redemption options, including Amazon purchases, statement credits, gift cards, and travel.
No foreign transaction fees.

Initial Credit Limit

The Amazon Prime Rewards Visa Signature Card offers a credit limit that varies based on the applicant’s creditworthiness, income, and financial profile.

Chase determines the specific credit limit upon approval.

Credit limit details:

Minimum credit limit: $500
Maximum credit limit: Can exceed $10,000 for well-qualified applicants

Higher limits are generally given to those with strong credit scores, higher income, and a solid credit history.

Chase may also offer credit limit increases over time for responsible card usage.

Step-by-Step Guide to Apply for the Card

Applying for the Amazon Prime Rewards Visa Signature Card is simple:

Check Eligibility: Ensure you meet the prerequisites.
Gather Required Information: Personal details, SSN/ITIN, income details.
Apply Online: Visit the official application page and fill out the form.
Submit Your Application: Most applicants receive an instant decision, but some may require additional review (up to 2-4 weeks).
Receive Your Card: If approved, expect delivery within two weeks.
Activate Your Card: Visit Chase Online or call the activation number.
Manage Your Account: Use the Chase Mobile® app to track spending and payments.

TAP HERE TO FIND OUT HOW TO APPLY

Card’s Pros and Cons

The Amazon Prime Rewards Visa Signature Card comes with several attractive benefits, especially for frequent Amazon and Whole Foods Market shoppers.

However, like any credit card, it also has some drawbacks that potential applicants should consider before applying. Below, we explore the main pros and cons of the card.

Pros:

5% cashback for Amazon and Whole Foods Market purchases.
No annual credit card fee.
2% cashback at restaurants, gas stations, and drugstores.
No foreign transaction fees.
Flexible redemption options.

Cons:

Amazon Prime membership required for 5% cashback.
High APR if carrying a balance.
No introductory 0% APR offer.
Limited high cashback categories beyond Amazon and Whole Foods.

How to Unlock (Activate) the Card

After receiving your Amazon Prime Rewards Visa Signature Card, follow these steps to activate it:

1- Locate the Activation Sticker: Your new card will have a sticker with activation instructions.

2- Choose an Activation Method:

By Phone:

Call the toll-free number provided on the sticker.

Follow the automated prompts to enter your card details and personal information.

Online:

Visit the Chase card activation page. Log in with your Chase account credentials, or create a new account if you don’t have one.

Enter the required information to verify and activate your card.

3- Confirmation:

Once activated, your card is ready for use.

For detailed instructions, refer to Chase’s guide on how to activate your new credit card.

Fees and Tariffs

While the card has no annual credit card fee, there are other costs to consider:

APR (Annual Percentage Rate): Variable APR, depending on creditworthiness.
Late Payment Fee: Up to $40.
Cash Advance Fee: 5% of the amount ($10 minimum).
Balance Transfer Fee: 5% of the amount ($5 minimum).

For the latest fee details, visit Chase’s website.

Customer Service

If you need assistance with your Amazon Prime Rewards Visa Signature Card, you can reach out through the following channels:

Phone:

U.S. Customers: Call 1-888-247-4080 (available 24/7).
International Customers: Call 1-302-594-8200.

Online:

Chase Account Management: Log in to your account at Chase Online.
Secure Messaging: After logging in, you can send a secure message to customer service.
Chase Customer Support Page
Amazon Prime Visa Page

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The Amazon Prime Rewards Visa Signature Card is a strong option for frequent Amazon and Whole Foods Market shoppers, offering high cashback rates with no annual fee.

However, its benefits are best for Prime members and may not be ideal for those who don’t shop on Amazon regularly.

Be sure to consider the fees, APR, and eligibility requirements before applying.

By understanding all aspects of this card, you can make an informed decision and determine whether it aligns with your financial needs.