Amazon Prime Visa
Chase's Amazon Cashback Card
Practical Recommendation
If you buy much of anything on Amazon and already have Prime, this is the no-fee default: a flat 5% back at Amazon, Whole Foods, and even bookings through Chase Travel. The rest of the categories are fine (2% on dining, gas, and local transit including rideshare), but the real value is stacking everyday Amazon orders at 5% without thinking.
If you don't have Prime or rarely use Amazon, skip it—without Prime you're looking at the 3% Amazon Visa instead, and there are better general-spend options. Do the honest math on Prime itself, too: at $139/year, 5% only beats a plain 2% card once you're spending north of about $4,600 a year on Amazon. Bottom line: Prime members who shop Amazon monthly will squeeze easy, reliable value here.
Perks
- Simple, high earn at Amazon – 5% back at Amazon, Amazon Fresh, Whole Foods, and Chase Travel with an eligible Prime membership. Great for households that funnel groceries and regular shopping through Amazon.
- No foreign transaction fees – Helpful for international trips or overseas websites; you won't get dinged extra for the currency conversion.
- Instant welcome gift card – The $200 Amazon gift card loads to your account upon approval with no spending requirement, so you can use it immediately at checkout. Note that Amazon moves this number around ($150 to $250 depending on the promo), so check the offer before you apply.
Protections
(via Visa Signature/Chase; use your card for the purchase)
- Purchase Protection – Covers new purchases for damage or theft for up to 120 days, $500 per claim, $50,000 per account. Good for gadgets and small appliances.
- Extended Warranty – Adds 1 extra year on eligible U.S. manufacturer warranties of 3 years or less (up to 4 years total). Useful on electronics and small appliances.
- Auto Rental Collision Damage Waiver – Decline the rental company's collision damage; coverage reimburses theft/collision damage. In the U.S., this is secondary to your own auto insurance.
- Roadside/Travel assistance (dispatch/referrals) – Pay-per-use help for tows, jump-starts, or referrals when traveling; nice safety net even if you don't have a membership elsewhere.