Amazon Rewards Visa Signature Card
Basic Information
Program ID: amazon-rewards-visa-signature-card
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Premium
Data Complete: Yes
Created: 01/07/2026 17:57
Last Scraped: 01/15/2026 07:33
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
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: 6 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $100.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: The $100 Amazon.com Gift Card is typically loaded into your Amazon.com account instantly upon approval of your application.
Rewards Program
Reward Type: Points (redeemable for Cash Back/Amazon Credit)
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Amazon.com, 3x Whole Foods Market, 2x Gas Stations, 2x Restaurants, 2x Drugstores
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as your account is open and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Excellent
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Application Eligibility: Applicants must generally have good to excellent credit (typically 700+ FICO score), be 18 years or older, a US resident with a valid SSN or ITIN, and have sufficient income. The primary Chase application rule, the '5/24 Rule,' is expected to remain in effect for 2026: applicants cannot have opened 5 or more personal credit cards from any issuer in the past 24 months. Bonus Eligibility: The sign-up bonus (e.g., Amazon gift card or statement credit) is typically offered to new cardmembers who have not received a bonus for this specific card in the past. A minimum spending requirement within the first few months of account opening is usually necessary to earn the bonus.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS) inconsistent with normal consumer behavior, bust-out risk, rapid application for multiple Chase cards or high cumulative credit limits, unusual spending patterns, providing inaccurate information on application, defaulting on other Chase products, excessive product changes or downgrades.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Excellent rewards for Amazon purchases (5% for Prime, 3% for non-Prime), no annual fee, easy redemption, and a good sign-up bonus.
Top Negative Feedback:
Rewards are primarily tied to Amazon, less valuable for general spending, foreign transaction fees, and some users report lower initial credit limits.
Approval Experience Score: 78.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Citi Double Cash Card
- Capital One SavorOne Cash Rewards Credit Card
Card Value Score: 85.0 / 100
Est. Annual Rewards: $385.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 60% General / 40% Store-centric
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0