Amazon Prime Rewards Visa Signature Card Review: The Perks and Pitfalls of Store card

The Amazon Prime Rewards Visa Signature Card is a credit card offered by Amazon and JPMorgan Chase.

This card has a ton of benefits for Amazon Prime members, including 5% back on all Amazon purchases, 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases.

In this article, we will discuss the pros and cons of the Amazon Prime Rewards Visa Signature Card so that you can decide if it is the right credit card for you!

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Quick Overview of Prime rewards visa card

Are you a frequent shopper at Amazon & Whole Foods? If so, the Amazon Prime Rewards Visa Signature card might be a good option for you.

This card comes with no annual fee and offers 5% cash back on purchases at those two retailers, along with 2% cash back at restaurants, gas stations, and drugstores. All other purchases earn 1% cash back.

Keep in mind, this card is best for those who do a lot of their shopping at amazon and whole foods market – if that’s not where you usually shop, you may want to consider a card that rewards spending at other places.

But if those two retailers are your go-to’s, the Amazon Prime Rewards card could be a solid choice for you.

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Quick Facts

• No Annual Fee
• You could get a 100 amazon gift card upon approval.
• As a Prime member, you can earn 5% back on purchases at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations, and drugstores, and 1% on all other purchases.
• Rewards points can go towards your purchase on Amazon.
• Redeeming your rewards is easy while shopping.
• No Foreign Transaction Fee
• A Paid Amazon Prime Membership is required for full benefits.
• No 0% APR Introductory Offer
• To be approved, you must have good to excellent credit (690-850).

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Why should you apply for Amazon prime rewards visa signature Card?

Here are the top reasons you might want to consider this card:

You’re a frequent shopper at Amazon or Whole Foods.

Are you an avid Amazon shopper or a frequent Whole Foods patron? If so, the Amazon Prime rewards visa signature card may be the perfect option for you.

With a high rewards rate of 5% for purchases at both Amazon and Whole Food, 2% rewards at restaurants, gas stations, and drugstores, and 1% reward on all other purchases, this card rewards loyalty to these popular brands.

Plus, there are occasional opportunities to earn even more rewards through limited-time offers.

So if you’re a loyal Amazon and Whole Foods shopper, make sure to consider the Amazon rewards visa signature card as your go-to credit card.

You want a simple rewards structure.

The Amazon rewards visa signature card offers a simple and easy-to-understand rewards structure.

There are no categories to keep track of and no rotating bonus periods – you simply earn a high base rate of cash back on all your purchases at Amazon , plus a decent base rate on all other purchases.

This makes it easy to earn and redeem rewards, without having to worry about keeping track of bonus categories or meeting minimum spending requirements.

Plus, rewards can be easily redeemed for Amazon purchases – making it a great option for those who like to shop on the site.

You don’t mind paying an annual charges.

While the Amazon rewards visa signature card doesn’t have an annual fee, keep in mind that you will need to have an active Amazon membership to be eligible for the card.

If you’re not already a Prime member, you’ll need to factor in the cost of membership fee when considering this card.

But if you’re already incurring a prime membership cost or you’re planning to sign up anyway, the amazon credit card may be a great option for you.

You want added benefits and protections.

Aside from the obvious perk of earning rewards on your Amazon purchases, the Amazon Prime Rewards Card offers added benefits and protections that make it a smart choice for savvy shoppers.

Purchase protection and extended warranty coverage on eligible items provide peace of mind when making big purchases, while no foreign transaction fees make it a convenient option for travelers.

And with auto rental collision damage waiver coverage included, you can save on expenses during road trips or vacations.

The card also offers access to Visa Signature Concierge Services and the Visa Signature Luxury Hotel Collection, providing even more value for users.

If you’re an avid Amazon shopper or always on the go, this card is worth considering.

>>Read More: Instant approval credit card with cash advance

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Why shouldn’t you apply for Amazon Prime Rewards Visa Signature Card?

However, there are a few reasons you might want to hold off on applying for the Amazon rewards visa signature card.

You don’t shop at Amazon often.

If you don’t do a lot of shopping at Amazon or Whole Foods, the Amazon Prime Visa Signature Card probably isn’t for you.

Sure, you get 5% back on Amazon & Whole Foods purchases, but that’s only if you’re already a Prime member – which means an additional cost to factor in.

Plus, with other cards offering rewarding benefits – like the Capital One Walmart Rewards Mastercard – there are better options out there for those who don’t rely heavily on Amazon for their shopping needs.

Why limit yourself to just one retailer when you can earn great rewards at a variety of places?

Look around and find a card that aligns with your shopping habits and offers the best benefits for you.

Don’t just go with the flashy brand name – think strategically about what will truly pay off in the long run.

You don’t travel often.

If you don’t travel a lot, the foreign transaction fee waiver on the Amazon rewards visa signature card may not be that important to you.

And while the other benefits and protections offered are valuable, there are other cards out there that offer similar perks without charging an annual fee.

You want a 0% introductory APR.

The Amazon rewards visa signature card doesn’t offer a 0% introductory APR, so if that’s something you’re looking for, this isn’t the right card for you.

There are other cards on the market that can give you a break on interest charges – giving you more time to pay off your balance without accruing additional fees.  

U.S. Bank Visa® Platinum Card, Citi Simplicity® Card – No Late Fees Ever, and Wells Fargo Platinum Visa® card are all great options that offer 0% intro APR on purchases and balance transfers.

You want simple cash-back rewards.

The Amazon rewards visa signature card is a great option for those who want more than just simple cash-back rewards.

But if you’re not interested in the added benefits and protections offered by this card, you might be better off with a different option.

The Citi® Double Cash Card – 18 month BT offer, for example, offers a straightforward rewards structure: you earn cash back on every purchase, and there’s no annual charge.

So if you’re not interested in the bells and whistles of the Amazon Card, this could be a better option for you.

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Alternative Credit Cards of amazon prime visa Credit Card

The Amazon Prime Rewards Visa Card is a great option for those who want more than just simple cash-back rewards.

But if you’re not interested in the added benefits and protections offered by this card, you might be better off with a different option.

Below are some alternative credit cards of Amazon Prime Rewards Visa Signature Card which offer great cash-back rewards:

The Capital One Walmart Rewards Card

Are you a frequent shopper at Walmart? If so, the Capital One Walmart Rewards Card might be the perfect credit card for you.

With this card, you’ll earn 5% back on purchases made through Walmart.com and in the Walmart app, including grocery pickup and delivery.

You’ll also earn 2% back on restaurants and travel expenses, as well as shopping at physical Walmart stores and fuel stations.

And if you use the card with Walmart Pay during your first year, you’ll earn a whopping 5% back on in-store purchases. Beyond that first year, you’ll still earn a solid 2% back on store purchases.

So why not consider getting the Capital One Walmart Rewards Card to make the most out of your trips to Walmart?

Bank of America Customized Cash Rewards credit card

Are you tired of being stuck with generic rewards options on your credit card? The Bank of America® Customized Cash Rewards credit card offers the ability to customize your rewards by allowing you to choose a category in which you earn 3% cash back rewards.

In addition to the personalized rewards, this card also offers 2% cash back at grocery stores and wholesale clubs and 1% on all other purchases. Some selectable categories include gas, online shopping, dining, travel, and home improvement.

And if that wasn’t enough incentive to switch over, this card also has a nice bonus offer for new cardholders.

So say goodbye to those boring rewards options and hello to personalized cash back with the Bank of America® Customized Cash Rewards credit card.

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How to redeem amazon rewards

Are you an avid amazon shopper and want to make the most out of your amazon rewards? Lucky for you, redeeming those points is easy!

First things first, it’s important to note that amazon rewards are earned in points, not cash back.

However, those points can be redeemed for cash back,statement credit, travel, gift cards, or even Amazon purchases.

Plus, there’s no minimum rewards balance required to redeem for cash back or Amazon purchases.

The catch? You can’t use your amazon rewards points on small purchases like Kindle eBooks and video downloads.

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What credit score do I need to qualify for the Amazon Prime Rewards card?

Are you wondering what credit you need to qualify for the Amazon Prime Visa Signature Card? The credit card issuer, Chase, generally looks for credit scores in the range of 690-850.

However, keep in mind that credit scores are only one factor in determining credit card eligibility. Your credit history and income may also play a role in whether or not you qualify for this specific credit card.

So while a “good to excellent” credit range is preferred, it’s important to consider all aspects of your financial profile before applying.

With all that said, if you have a solid credit and are an Amazon Prime member, then the rewards and benefits that come with this credit might be worth looking into.

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Who should get the Amazon Prime Rewards Visa Signature Card?

The Amazon Prime Rewards Visa Card is best suited for those who frequently shop at Amazon.com and Whole Foods Market.

The card offers great cash-back rewards on purchases made at both of these retailers – with no maximums! – which makes it a pretty enticing option for avid shoppers.

In addition, if you have an Amazon Prime membership, you’ll get even more rewards and benefits.

However, if you don’t think you’ll do much shopping at either amazon and whole foods purchases – or if you don’t want to pay an annual fee – then this might not be the best credit card for you.

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What is the distinction between the Amazon Prime Rewards Signature Visa Card and the Amazon Rewards Visa Signature card?

Not sure about the difference between the Amazon Prime Rewards Signature Visa Card and the Amazon Rewards Visa Signature card?

Don’t worry, you’re not alone. Both cards are co-branded by Chase and offer the same terms, but there is one key distinction in their rewards.

If you have an Amazon Prime membership, the Prime card offers a 5% back on all purchases made on Amazon.com or at Whole Foods. Non-prime cardholders receive a lower 3% rebate on those same purchases.

So, if you frequently shop on Amazon and want to maximize your rewards, it may be worth considering signing up for a Prime membership in addition to getting the Prime card.

And don’t forget – both cards come without an annual fee, but that Prime membership does cost $139 a year.

Ultimately, it’s up to you to weigh the cost of a prime membership versus the potential benefits and decide which card is right for your spending habits.

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Conclusion: Is amazon prime rewards visa signature card good?

Do you have the Amazon Prime Rewards card? What do you think of it? Let us know in the comments below!

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