Prime Visa card overview
*Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
More often than not, we advocate saying “no thanks” when a cashier (or on-line pop-up) asks if you wish to apply for a retailer bank card at checkout. The low cost you will get in your buy is never as helpful because the welcome bonuses different playing cards provide, and most retailer playing cards have disappointing incomes constructions.
However there are a number of exceptions to that rule, and the Prime Visa is one in all them.
The Prime Visa is price contemplating in case you spend a whole lot of your funds at Amazon or Complete Meals and wish the most effective incomes price for these purchases. It earns 5% again on Amazon and Complete Meals purchases, a considerable return for a card with no annual charge.
We advocate candidates have a credit score rating of 670 or above to extend their probabilities of approval. Take into account that you will want an eligible Prime membership to get this card.
Simply because it affords first rate reward charges does not imply that is the most effective card for everybody. This is what it is advisable know to resolve if the Prime Visa deserves a spot in your pockets.
Prime Visa execs and cons
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Prime Visa welcome provide
When you think about that this can be a no-annual-fee card, that is a superb welcome bonus — particularly since you will obtain the e-gift card immediately upon approval as an alternative of getting to fulfill a spending requirement to earn it.
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You do want a Prime membership to get the Prime Visa. Since this can be a Chase card, you will need to be underneath 5/24 to extend your probabilities of approval.
Associated: The most effective bank cards for Amazon purchases
Prime Visa advantages
We normally do not count on many advantages from a card with out an annual charge, however the Prime Visa has some stunning perks.
As a cardholder, you will get pleasure from the next protections:
Moreover, the Prime Visa does not cost international transaction charges.
It looks like we hear a brand new horror story of somebody’s misplaced baggage day-after-day, so having baggage safety on high of incomes bonus rewards in your Apple AirTags buy by way of Amazon is a good profit.
With this card, you will additionally get pleasure from 10% again on a rotating number of objects and classes. Lastly, cardholders normally get entry to early offers throughout Prime Day and may earn boosted rewards throughout these gross sales occasions.
Associated: What to do when an airline loses your baggage
Incomes money again on the Prime Visa
The Prime Visa earns 5% again on the next classes:
It additionally earns 2% again in these classes:
- Gasoline stations
- Eating places
- Native transit and commuting (together with ride-hailing providers)
You will earn 1% again on all different purchases.
No different card persistently affords this excessive of a return on Amazon purchases, so this incomes construction is superb for anybody who spends a big portion of their funds at Amazon and Complete Meals. If you wish to follow only one card, the extra 2% again classes are first rate for on a regular basis spending.
Nevertheless, you may get larger incomes charges on fuel stations, eating places, commuting and basic purchases with different playing cards, so the Prime Visa works greatest as only one half of a bigger card technique.
Associated: The most effective rewards bank cards for every bonus class
Redeeming money again on the Prime Visa
One of many Prime Visa’s greatest qualities is the convenience of redeeming rewards. You will see your rewards in your Amazon checkout display and may use them to pay for half or your entire purchases at Amazon.com.
Alternatively, you possibly can redeem your rewards for money again, reward playing cards or journey by way of Chase Journey. Regardless of which redemption possibility you select, you will get a price of 1 cent per level.
Different playing cards assist you to use your rewards to pay on your Amazon purchases, however we solely advocate this route if in case you have the Prime Visa.
As an illustration, Chase Final Rewards factors are price 2.05 cents apiece based on TPG’s Could 2025 valuations, however you will get lower than 1 cent per level in case you use these factors to pay for a purchase order on Amazon.com.
Alternatively, your Prime Visa rewards are price the identical one cent every, whether or not you employ them to cowl an Amazon buy, get money again or ebook journey by way of Chase Journey.
Associated: How you can get most worth out of your Chase Final Rewards
Which playing cards compete with the Prime Visa?
If you do not have a Prime membership or do not spend a lot of your funds at Amazon or Complete Meals, one in all these playing cards could also be a more sensible choice for you:
For extra choices, see our checklist of greatest cash-back bank cards and greatest retailer bank cards.
Associated: Retailer vs. cash-back bank cards: Which one ought to I get?
Is the Prime Visa price it?
If you have already got a Prime membership and need to earn cash-back rewards, the Prime Visa is an effective card to start out with or add to your present portfolio. Nevertheless, if you do not have a Prime membership or are centered on incomes journey rewards, you will in all probability get extra worth from a special card.
Backside line
With an unbeatable 5% return on Amazon and Complete Meals purchases and a easy redemption system, the Prime Visa is nice for individuals who want the convenience of utilizing a no-annual-fee bank card that earns money again over incomes extra advanced journey rewards.
However in case you plan to make use of factors and miles on your subsequent huge journey, you will need to use a card that earns journey rewards in your Amazon purchases as an alternative. Regardless of which route you select, you possibly can’t go incorrect with a card that earns rewards each time you click on “Purchase now” on Amazon.
Apply right here: Prime Visa
For charges and costs of the Blue Money On a regular basis Card from American Categorical, click on right here.
