Amazon Rewards Visa Signature Review

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The Amazon Rewards Visa Signature credit card from Chase is great for Amazon customers who want great cash back on their Amazon spending but don’t want to drop the money on an Amazon Prime membership.

Amazon Rewards Visa Signature Card

overall rating
3.9
Amazon Rewards Visa Signature Card
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 16.24% - 24.24% variable
Annual Fee No Annual Fee
Rewards Earning Rate Earn 3% back on Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations and drug stores, and 1% back on all other purchases.
Ratings Breakdown
for Interest
1.9
for Fees
4.2
for Rewards
3.9
for Credit
4.0

Get an $50 Amazon.com Gift Card instantly upon credit card approval

Who is This Credit Card Best For?

  • Avatar for Savvy Saver Persona
    Prioritizes sticking to their budget while buying what they want and need
    Savvy Saver
  • Avatar for Deal Seeker Persona
    Diligently searches for the best products and delights in a good bargain
    Deal Seeker

This card is perfect for regular Amazon and Whole Foods shoppers who don’t have an Amazon Prime membership, or don’t want to buy one for $119 a year. You’ll earn extra cash back on purchases from Amazon.com, Whole Foods Market, restaurants, drug stores, and gas stations—for no annual fee.

While travel buffs would be better off with a travel rewards card, this isn't a bad card to take on a trip. It provides a variety of travel insurance and assistance products and charges no foreign transaction fees.

If you do have a Prime membership, you’ll want the Amazon Prime Rewards Visa Signature card. The sign-up bonus is better and you earn more cash back at Amazon and Whole Foods Market.

Pros

  • No annual fee

  • Widespread acceptance

  • Travel perks

Cons

  • No low-interest balance transfer or purchase offer

  • Earns less on Amazon purchases than the Amazon Prime card

Pros Explained 

  • No annual fee: You don’t have to worry about earning enough cash back to make up for an annual fee. 
  • Widespread acceptance: Some retail cards can only be used at a single store or group of stores. This card can be used anywhere that Visa is accepted.
  • Travel perks: The card has some strong travel-related insurance benefits and doesn’t charge a foreign transaction fee. 

Cons Explained

  • No low-interest balance transfer or purchase offer: Some cash-back and retail credit cards offer these types of deals, but this isn’t one. 
  • Earns less than the Amazon Prime card: This card offers a sign-up bonus much smaller than what the Amazon Prime Rewards Visa Signature card offers. And on an ongoing basis, you’ll earn less on Amazon and Whole Foods purchases. However, that card requires the purchase of an Amazon Prime membership. 

Amazon Rewards Visa Signature Sign-up Bonus 

You’ll receive a $50 Amazon electronic gift card in your Amazon account upon approval. That’s not bad for a retail card sign-up bonus, especially considering you don’t have to spend anything to get it.

Earning Points & Rewards

The Amazon Rewards Visa Signature Card from Chase offers three levels of cash-back earnings. You’ll earn 3% at Amazon.com and Whole Foods Markets; 2% at restaurants, gas stations, and drugstores; and 1% on everything else.

Points don’t expire as long as your account stays open.

Redeeming Rewards 

  • Cash or statement credits: Cash and statement credits are redeemable at a 1-cent-per-point rate. In other words, 10,000 points translates to $100, and you can transfer cash electronically to checking or savings accounts. Statement credits apply directly to balances. 
  • Amazon purchases: Use points directly through your Amazon account with a value of a penny per point. Points are essentially used like cash, so you can pay partially with points as well. 
  • Gift cards: Gift cards for restaurants and retailers can be purchased at chase.com/amazonrewards at a penny per point.
  • Travel: Travel is redeemed at a penny per point rate via the Chase Travel Center phone number. Any difference in costs can be paid with your card. Some bookings will have a minimum booking amount. 

How to Get the Most Out of This Card

Consider buying everything you can from Amazon.com and Whole Foods to earn 3% back. Then make sure you use the card for all your restaurant, gas, and drugstore purchases to max out the 2% category. Consider, however, buying your over-the-counter drugstore purchases from Amazon instead of a drugstore, so you’ll get 3% instead of 2% back.

Tip

Redeeming points for Amazon purchases is not the best way to use rewards. By covering part of the purchase with points, you’re not earning cash back on that amount—in the highest rewards category.

Excellent Perks

The Amazon Rewards Visa Signature card provides a couple of perks that our editors have deemed “excellent” because they provide even more value than the standard credit card perks.

  • Travel accident insurance: If you’re dismembered or killed in an accident while on a trip you paid for with this card, you or your survivors are eligible for up to $500,000 in coverage.
  • Coverage for lost, damaged, or delayed luggage: Lost or delayed luggage is reimbursed at up to $3,000 per passenger. If your flight is delayed for six hours or more, each passenger may be reimbursed for clothing and toiletries at a rate of $100 per day for up to three days.

Other Features 

  • Rental car collision insurance (secondary to your own policy)
  • Insurance for stolen or damaged purchases
  • Extended warranties
  • Travel and emergency hotline

Customer Experience

Chase, the company that issues this card, is ranked fourth out of 11 credit card issuers in the 2019 J.D. Power Credit Card Satisfaction Study. It scored 807 out of 1,000 points, just above the average score of 806.

You can call Chase customer service representatives 24/7 but there is no online chat capability. One interesting feature that Chase offers is its Credit Journey tool, which gives you access to a free credit score updated weekly and a score simulator, which shows you how your score might be impacted by different behaviors, such as paying off debt.

Note

You don’t have to be a Chase customer to use Credit Journey. 

Security Features  

Chase uses standard security measures you’ll find with most credit card companies. However, it does go one step further by allowing you to lock your card easily using the app if you misplace your card. It will replace lost or stolen cards for free. 

Also, the Credit Journey tool alerts you when there are changes to your credit report. That can help you spot fraud quickly. 

Fees

The Amazon Rewards Visa Signature card has mostly standard fees for a card of this type. Travelers will be pleased that there are no foreign transaction fees. 

For Amazon Rewards Visa Signature Card

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CURRENT CARD
Amazon Rewards Visa Signature Card
overall rating
3.9
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 16.24% - 24.24% variable
Annual Fee No Annual Fee
Rewards Earning Rate Earn 3% back on Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations and drug stores, and 1% back on all other purchases.
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Our Methodology

  • At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.