While there are plenty of credit card options out there, when it comes to finding the right one for you, there are many factors to consider. Taking a look at your spending habits and thinking about the type of rewards you’d benefit from most is a great place to start.
If you're a frequent Amazon shopper, you may want to consider applying for an Amazon credit card. Below, we’re giving you a rundown on Amazon’s latest and greatest credit cards: the Prime Visa and Amazon Visa.
What you get with Prime Visa and Amazon Visa
Prime Visa and Amazon Visa (previously known as the Amazon (Prime) Rewards Visa Signature Card) are Amazon's general use credit cards, and can be used anywhere Visa is accepted. The card designs and benefits were refreshed in 2023 to offer new ways to earn rewards everywhere you shop with no annual credit card fee. As with any credit card, terms and conditions apply.
Both Prime Visa and Amazon Visa earn unlimited 2% back at restaurants, gas stations, and on local transit and commuting (including rideshare), and unlimited 1% back on all other purchases. Plus, with daily rewards, earnings can be redeemed as soon as the next day for millions of items at Amazon.com or for cash back, gift cards, or travel at Chase.com (the cards' issuer).
On top of the Amazon perks, both cards offer equal monthly payments on eligible purchases of $50 or more at Amazon.com or with Amazon Pay, and a slew of purchase and travel protection benefits.
Prime Visa
If you shop frequently at Amazon.com, Prime Visa may be right for you. With an eligible Prime membership, you can earn an unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases. As an added bonus, Prime cardmembers have exclusive access to limited-time Prime Card Bonus offers, which can earn you 10% back or more on a rotating selection of products and categories at Amazon.com.
Once your Prime Visa credit card application is approved, you’ll instantly receive a $100 Amazon Gift Card, and Prime members can choose from three different card designs.
Amazon Visa
If you are a frequent Amazon shopper, but do not have a Prime membership, Amazon Visa may right for you. Amazon Visa cardmembers earn unlimited 3% back when they shop at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases.
Once your Amazon Visa credit card application is approved, you’ll instantly receive a $50 Amazon Gift Card.
Choosing a card
Now that we’ve compared what each credit card has to offer, it’s time to consider if Prime Visa or Amazon Visa is right for you. Both cards earn great daily rewards everywhere you shop with no annual credit card fee. Prime Visa offers cardmembers a higher top rewards rate and exclusive deals at Amazon with an eligible Prime membership, plus card design options and a bigger welcome gift card, while Amazon Visa offers great rewards everywhere without a Prime membership.
If you’re only interested in a card for purchases at Amazon.com, you may want to explore the Prime Store Card and Amazon Store Card, which offer rewards or financing options for purchases at Amazon.com, or the Amazon Prime Secured Card and Amazon Secured Card, which are built for people who are new to credit.
