Prime Visa
Chase · Cashback · Amazon Credit
This comprehensive guide covers the Prime Visa's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The Prime Visa from Chase offers cashback rewards credited as Amazon credit at 5%. Top earning categories include 5% at amazon.com and whole foods market and more. This card has no annual fee.
Best for: Amazon · Grocery, Travel, Dining, Fuel
Top Merchants
Reward Examples
Spend $1,000 on Amazon → earn $50 (5%) · 5% at Amazon.com and Whole Foods Market
Spend $1,000 on Travel → earn $50 (5%) · 5% on Chase Travel bookings
Spend $1,000 on Dining → earn $20 (2%) · 2% at restaurants and gas stations
Official product page → Official rules →
Waiver: No annual fee; requires active Amazon Prime membership
Reward Rules
- 5% 5% at Amazon.com and Whole Foods Market
- 5% 5% on Chase Travel bookings
- 2% 2% at restaurants and gas stations
- 2% 2% on local transit and commuting
- 1% 1% everywhere else
Important Notes
- 5% Amazon rate requires active Prime membership; drops to 3% without Prime.
- Amazon purchases made through third-party sellers on Amazon.com may not qualify for 5%.
- Whole Foods 5% requires in-store or Whole Foods pickup/delivery via Amazon.com.
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
Prime Visa vs Similar Cards
- Alliant Cashback Visa® Signature Card — 3% top rate · $0
- Alliant Platinum Visa® Card — 2% top rate · $0
- Blue Cash Everyday Card from American Express — 3% top rate · $0
Maximize Your Rewards
To earn the highest rewards, use the Prime Visa for its bonus categories: Grocery, Travel, Dining, Fuel, Transit.