Amazon Prime Rewards Visa Signature Card
Basic Information
Program ID: amazon-prime-rewards-visa-signature-card
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Signature
Data Complete: Yes
Created: 01/07/2026 17:56
Last Scraped: 01/15/2026 07:31
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $150.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: The Amazon Gift Card is typically loaded to your Amazon.com account within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: Cash Back (as Points)
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Amazon.com (for Prime members), 5x Whole Foods Market (for Prime members), 2x Restaurants, 2x Gas Stations, 2x Local Transit and Commuting
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the account is open and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: To be eligible for the Amazon Prime Rewards Visa Signature Card, applicants must have an active Amazon Prime membership to qualify for the higher rewards rates (5% back at Amazon.com and Whole Foods Market). Standard creditworthiness, age (18+), and residency requirements apply. The primary application rule is Chase's 5/24 rule: applicants will generally be denied if they have opened 5 or more personal credit cards from any issuer in the past 24 months. Eligibility for the sign-up bonus (e.g., Amazon gift card or cash back) typically requires that the applicant has not received a bonus for this specific card in the past 24 months and does not currently hold the card.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Chase cards, frequent balance transfers without organic spending, repeated late payments, defaulting on other Chase products, suspicious or fraudulent activity, abuse of return policies for cash back, or rapid application for multiple credit products.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.2 / 5.0
Top Positive Feedback:
Excellent 5% cash back on Amazon.com and Whole Foods Market purchases for Prime members, no annual fee (beyond Prime), easy reward redemption, and valuable Visa Signature benefits.
Top Negative Feedback:
Lower reward rates (1-2%) on non-bonus categories compared to some general cash back cards, requires Amazon Prime membership for full benefits, and approval can be challenging for those without excellent credit.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Capital One SavorOne Cash Rewards Credit Card
- Blue Cash Preferred Card from American Express
Card Value Score: 90.0 / 100
Est. Annual Rewards: $460.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 60% General / 40% Co-brand Specific
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0