Amazon Visa

Quick Snapshot

• Annual Fee: $0
• APR: 20.49%-28.49% variable
• Rewards: 3% at Amazon, 2% dining/gas/transit, 1% everything else
• Bonus: $100 Amazon gift card instantly upon approval
• Best For: Non-Prime Amazon shoppers who want solid rewards without a membership requirement
• Credit Needed: Good to Excellent (670+)

Overview

The Amazon Visa is the accessible sibling of the Amazon Prime Visa, offering 3% back at Amazon.com and Whole Foods Market without requiring an Amazon Prime membership. For shoppers who buy from Amazon regularly but do not want or need Prime, this card delivers meaningful savings on every order with no annual fee and no membership strings attached.

The card earns 2% back on dining, gas stations, and transit, and 1% on all other purchases, providing a well-rounded everyday earning structure. The $100 Amazon gift card delivered instantly upon approval requires no spending threshold, giving cardholders immediate value from day one.

While the 3% Amazon rate is lower than the Prime Visa's 5%, the math can work out better for moderate Amazon spenders who do not shop enough to justify Prime's $139 annual cost. If you spend less than $6,950 per year at Amazon, the 3% card without Prime actually nets you more total savings than the 5% card with a Prime subscription (assuming you are subscribing solely for the card benefit). For non-Prime households, this is the best Amazon-focused credit card available.

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. No Prime membership is required for this card.

Benefits Overview

Amazon Rewards

• 3% back at Amazon.com and Whole Foods Market
• No Amazon Prime membership required
• Rewards can be applied at Amazon checkout for instant savings
• No caps or spending limits on the 3% rate
• Includes Amazon Fresh purchases

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 Benefits

• No annual fee
• $100 Amazon gift card upon approval with no spending requirement
• No foreign transaction fees
• Zero liability on unauthorized purchases
• Purchase protection on eligible items

Rewards & Points

• 3% back at Amazon.com 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, as a statement credit, or deposited into an Amazon balance. There is no minimum redemption threshold. If you later subscribe to Amazon Prime, the Amazon earning rate automatically upgrades to 5%.

Welcome Bonus

Receive a $100 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
• 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

• Non-Prime Amazon shoppers who buy from Amazon regularly but do not subscribe to Prime
• Moderate Amazon spenders who spend less than $7,000 per year at Amazon and do not need Prime for the card
• Everyday spenders who want 2% on dining, gas, and transit alongside Amazon rewards
• Fee-averse cardholders who want solid Amazon rewards with zero annual fee and no membership cost

Not Good For

• Prime members who should use the Amazon Prime Visa instead for 5% back
• Heavy Amazon spenders who spend enough at Amazon to justify Prime for the additional 2% earning
• Travel rewards seekers who prefer transferable points over Amazon-centric rewards

Key Pros & Cons

Pros

• 3% at Amazon and Whole Foods with no Prime membership required
• No annual fee makes it completely free to hold
• $100 Amazon gift card upon approval with no spending requirement
• 2% on dining, gas, and transit covers key everyday categories
• No foreign transaction fees for international purchases
• Rewards can be applied at Amazon checkout for instant savings
• Automatically upgrades to 5% if you subscribe to Prime
• No caps or spending limits on any earning category
• Simple redemption with no minimum threshold

Cons

• 3% at Amazon is lower than the Prime Visa's 5% rate
• 1% base rate on non-bonus purchases is low
• Rewards are most valuable within the Amazon ecosystem
• No travel benefits, lounge access, or trip insurance
• No 0% intro APR offer for purchases or balance transfers
• $100 gift card bonus is smaller than the Prime Visa's $200
• No grocery category bonus outside of Whole Foods
• Limited redemption flexibility compared to general cash back cards

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

Total estimated first-year value: $472 including the $100 instant gift card. Ongoing annual value is approximately $372. Compare against the Prime Visa by adding $139 Prime cost to determine which card provides better net value at your spending level.

Should You Get This Card?

You Should Get It If...

• You shop at Amazon regularly but do not have or want an Amazon Prime membership
• You want a no-fee card with solid Amazon earning and no strings attached
• You spend on dining, gas, and transit and want 2% back on those categories
• You want instant approval rewards with no spending requirement
• You might subscribe to Prime later and want the automatic upgrade to 5%
• You prefer simple cash back applied at Amazon checkout

You Should Skip It If...

• You already have Amazon Prime and should use the Prime Visa for 5% instead
• You spend enough at Amazon that Prime membership plus 5% nets more savings
• You want flexible travel rewards rather than Amazon-centric cash back
• You want a higher base rate on all spending beyond Amazon
• You want 0% intro APR for financing purchases

Apply Now

Apply for Amazon Visa

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