Amazon Prime Visa Review 2025, 5% Cash Back, No Annual Fee and Travel Protections

Top rewards for Amazon shoppers

The Amazon Prime Visa is built for heavy Amazon and Whole Foods customers, delivering 5% cash back on purchases for U.S. Prime members at Amazon.com, Amazon Fresh and Whole Foods Market. That 5% cash back alone makes the Amazon Prime Visa one of the best credit options if you order groceries, subscribe to Prime Video, or buy electronics frequently.

Rewards are flexible: you can redeem cash back at checkout on Amazon, take a statement credit, deposit rewards into a bank account, or book travel through Chase Travel. The Amazon Prime Visa also surprises with rotating offers and special merchant categories, so active shoppers often stack savings across the year.

Fees, APR and membership considerations

The Amazon Prime Visa has no card annual fee, but it requires an Amazon Prime membership to get the full 5% cash back — currently $139 per year for most U.S. members or $69 for Prime Student. Factor that membership cost into your math: frequent Amazon spenders usually offset it quickly, but occasional buyers may not.

Like most rewards cards, the card carries a variable APR that depends on creditworthiness; typical ranges are in the low to high 20s for purchases and cash advances. There’s no foreign transaction fee, which keeps the Amazon Prime Visa useful on trips abroad when you want to keep earning rewards.

Travel protections and real-world perks

The Amazon Prime Visa includes travel protections that matter: primary rental car insurance in many cases, lost luggage reimbursement, and travel accident insurance depending on the trip. These protections turn the Amazon Prime Visa into a practical travel companion for shoppers who also travel for business or leisure.

Beyond travel, the card offers purchase protections like extended warranty coverage and damage or theft protection for a limited time after purchase. These extras add tangible value when you buy phones, laptops, or appliances through Amazon.com or Whole Foods.

Who should get the Amazon Prime Visa?

If you live in the U.S., shop on Amazon multiple times a month, and keep a Prime subscription, the Amazon Prime Visa is a straightforward way to earn consistent 5% cash back while enjoying no annual fee on the card itself. It’s especially strong for families who buy groceries at Whole Foods or use Amazon Fresh deliveries regularly.

For occasional Amazon shoppers, other cards with broader category bonuses or 0% intro APR offers might fit better. But for loyal Prime customers who want simple, high-value rewards, the Amazon Prime Visa remains one of the best choices in 2025 — easy to use, flexible to redeem, and backed by travel and purchase protections.