Amazon Prime Rewards Visa Credit Card Review

You’re already shopping at Amazon — now you could be earning 5% back on every order.

If you’re shopping on Amazon regularly — whether it’s for weekly groceries or that next big tech upgrade — the Amazon Prime Rewards Visa Card might be one of the smartest ways to earn rewards in 2025.

You’ll get 5% back on every Amazon and Whole Foods purchase, plus travel and purchase protections that are usually reserved for premium cards. And the best part? There’s no annual fee (as long as you’re a Prime member), and you can see if you’re pre-approved with zero impact to your credit score.

🎯 Key Benefits at a Glance

• 5% cash back at Amazon and Whole Foods
• 2% back at restaurants, gas stations, and drugstores
• 1% back on everything else
• No annual fee (Prime membership required)
• No foreign transaction fees
• Includes travel protections and purchase coverage

You will remain on the current site

👤 Is This Card Right for You?

Consider this card if you:

• Spend $300+ per month on Amazon or Whole Foods
• Already have an active Amazon Prime membership
• Want to maximize cash back with no extra fees
• Have good to excellent credit (FICO score of 680 or higher)

🛠️ How It Works — Step by Step

1. Log in to your Amazon account
2. Click “See if you’re pre-approved” — no hard credit check
3. Fill out a short application (income + last 4 digits of SSN)
4. Get an instant or email decision (usually within 7 business days)
5. If approved, your card is automatically added to your Amazon Wallet

🆚 Quick Comparison: How It Stacks Up

Feature	Amazon Prime Visa	Citi Double Cash	Chase Freedom Unlimited
Amazon Purchases	5%	1%	1.5%
Dining / Gas / Drugstores	2%	2%	3%
Other Purchases	1%	2%	1.5%
Annual Fee	$0 (with Prime)	$0	$0
Foreign Fees	None	3%	3%

💡 Tip: If you already pay for Prime, you’re getting a premium rewards card at no extra cost.

✅ Pros & Cons

👍 Pros

• 5% back on Amazon + Whole Foods is hard to beat
• No annual fee if you’re a Prime member
• Solid built-in perks like travel insurance and purchase protection
• Instant access to your card after approval

👎 Cons

• Requires an active Prime membership ($139/year)
• Less rewarding on non-Amazon spending
• Usually needs a 680+ credit score to qualify

👉 See If You’re Pre-Approved — No Credit Impact

You’re already shopping at Amazon — now you could be earning 5% back on every order.

Check if you qualify now — there’s no credit impact and it only takes a minute. ✅

You will remain on the current site