Amazon Prime Visa

Quick Snapshot

• Annual Fee: $0 (Prime membership required)
• APR: 20.49%-28.49% variable
• Rewards: 5% at Amazon and Whole Foods, 2% dining/gas/transit, 1% everything else
• Bonus: $200 Amazon gift card instantly upon approval
• Best For: Amazon Prime members who want to maximize savings on Amazon and Whole Foods purchases
• Credit Needed: Good to Excellent (670+)

Overview

The Amazon Prime Visa is the ultimate credit card for Amazon shoppers, delivering an unmatched 5% back on every purchase at Amazon.com, Amazon Fresh, and Whole Foods Market. For the millions of households with an Amazon Prime membership, this card turns the retailer they already use most into a 5% cash back powerhouse.

Beyond Amazon, the card earns 2% back on dining, gas stations, and transit, covering the everyday spending categories that matter most. The 1% base rate on everything else keeps the card relevant for all purchases. With no annual fee on the card itself (the Prime membership is the gatekeeper), it is one of the most generous no-fee rewards cards available.

The $200 Amazon gift card delivered instantly upon approval is an immediate win with no spending requirement. Rewards can be applied directly at Amazon checkout, redeemed as a statement credit, or deposited into an Amazon balance. For a household that spends $5,000+ per year at Amazon and Whole Foods, the 5% back on those purchases alone generates $250+ in annual rewards, making this card an essential tool in any Prime member's wallet.

APR Breakdown

• Purchase APR: 20.49%-28.49% variable
• Balance Transfer APR: 20.49%-28.49% variable
• Cash Advance APR: 29.99% variable
• Penalty APR: None

Note: Your APR will vary with the market based on the Prime Rate. The 5% earning rate requires an eligible Amazon Prime membership ($14.99/month or $139/year).

Benefits Overview

Amazon and Whole Foods Rewards

• 5% back on Amazon.com, Amazon Fresh, and Whole Foods Market purchases
• Rewards can be applied at Amazon checkout for instant savings
• No caps or spending limits on the 5% earning rate
• 5% rate applies to Amazon Subscribe & Save orders
• Includes purchases made through Alexa voice ordering

Everyday Earning

• 2% back on dining at restaurants including takeout and delivery
• 2% back at gas stations
• 2% back on transit and commuting purchases
• 1% back on all other purchases

Cardholder Perks

• No annual fee on the card itself
• $200 Amazon gift card upon approval with no spending requirement
• No foreign transaction fees
• Purchase protection and extended warranty on eligible items
• Zero liability on unauthorized purchases

Rewards & Points

• 5% back at Amazon.com, Amazon Fresh, and Whole Foods Market
• 2% back on dining, gas stations, and transit
• 1% back on all other purchases

Rewards are earned as a percentage back and can be redeemed at Amazon.com checkout (even for partial purchases), as a statement credit, or deposited into an Amazon balance. There is no minimum redemption threshold and no expiration on rewards. If your Prime membership lapses, the Amazon earning rate drops to 3%.

Welcome Bonus

Receive a $200 Amazon gift card instantly upon approval. There is no minimum spending requirement to earn this bonus. The gift card is automatically applied to your Amazon account and can be used on any Amazon purchase.

Fees Summary

• Annual Fee: $0 (Prime membership required at $139/year or $14.99/month)
• Balance Transfer Fee: 5% (min $5)
• Cash Advance Fee: 5% (min $10)
• Foreign Transaction Fee: $0
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40

Who This Card Is Best For

Ideal For

• Amazon Prime members who spend heavily on Amazon.com and want 5% back on every order
• Whole Foods shoppers who buy groceries at Whole Foods and want 5% back on the full bill
• Dining and gas spenders who want 2% back on everyday purchases outside of Amazon
• Simple rewards seekers who want easy redemption at Amazon checkout with no minimums
• Online shopping enthusiasts who make frequent Amazon purchases and want to maximize savings

Not Good For

• Non-Prime members who would need to pay $139/year for Prime to access the 5% rate
• Non-Amazon shoppers who rarely shop at Amazon and would not benefit from the 5% category
• Travel rewards seekers who prefer points transferable to airlines and hotels

Key Pros & Cons

Pros

• 5% back at Amazon and Whole Foods is the highest available for these retailers
• $200 Amazon gift card upon approval with no spending requirement
• No annual fee on the card itself
• 2% on dining, gas, and transit provides solid everyday earning
• Rewards can be applied directly at Amazon checkout for instant savings
• No caps or spending limits on any earning category
• No foreign transaction fees
• Purchase protection and extended warranty included
• Rewards never expire and have no minimum redemption threshold
• Includes Amazon Fresh and Alexa voice ordering in the 5% category

Cons

• Requires Amazon Prime membership ($139/year) to earn 5%; drops to 3% without Prime
• 1% on non-bonus purchases is a low base earning rate
• Rewards are most valuable within the Amazon ecosystem
• No travel benefits like lounge access or trip insurance
• No 0% intro APR offer for purchases or balance transfers
• No sign-up bonus beyond the $200 gift card (no spending-based bonus)
• Limited redemption flexibility compared to transferable points cards
• 2% categories do not include groceries outside of Whole Foods

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

Total estimated first-year value: $752 including the $200 instant gift card. Ongoing annual value is approximately $552. Note: Prime membership cost of $139/year is not deducted as most members already subscribe for shipping and streaming benefits.

Should You Get This Card?

You Should Get It If...

• You are already an Amazon Prime member and shop at Amazon regularly
• You buy groceries at Whole Foods and want 5% back on your weekly haul
• You want instant rewards with no spending requirement for the sign-up bonus
• You dine out frequently and spend on gas, transit, and commuting
• You prefer simple cash back that can be applied at Amazon checkout
• You want a no-annual-fee card with one of the highest retailer-specific earning rates

You Should Skip It If...

• You are not an Amazon Prime member and do not plan to subscribe
• You rarely shop at Amazon or Whole Foods
• You want flexible travel rewards transferable to airlines and hotels
• You prefer a higher base earning rate on all non-Amazon spending
• You want 0% intro APR for financing a large purchase

Apply Now

Apply for Amazon Prime Visa

Information accurate as of May 2026. Terms and conditions apply. Please visit the issuer's website for the most current information.