Amazon Prime Rewards Visa Signature Card

Chase Visa Premium Pending

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25

Benefits

6

Reward Categories

5x

Max Reward

21.2%

APR From

Basic Information

PENDING

Program ID: amazon-visa

Issuer: Chase

Card Name: Amazon Prime Rewards Visa Signature Card

Card Type: Credit

Network: Visa

Card Tier: Premium

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 16:39

Last Scraped: Jan 15, 2026 16:41

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 6 Categories

PENDING

Category	Rate	Type	Description	Annual Cap
Amazon.com & Whole Foods Market	5x	Cash Back	Purchases at Amazon.com and Whole Foods Market for eligible Prime members.	No Cap
Amazon.com & Whole Foods Market	3x	Cash Back	Purchases at Amazon.com and Whole Foods Market for non-Prime members.	No Cap
Dining	2x	Cash Back	Purchases at restaurants, including takeout and eligible delivery services.	No Cap
Gas	2x	Cash Back	Purchases at gas stations.	No Cap
Local Transit & Commuting	2x	Cash Back	Purchases for local transit and commuting, including rideshares.	No Cap
All Other Purchases	1x	Cash Back	All other eligible purchases not falling into higher earning categories.	No Cap

Rewards Summary

PENDING

Reward Type: Cash Back / Amazon Points

Base Rate: 1x

Bonus Rate: 5x

Categories: 5x Amazon.com, 5x Whole Foods Market (with eligible Prime membership); 2x Restaurants, 2x Gas Stations, 2x Local Transit & Commuting

Quarterly Rotating: No

Cap Amount: $0.00

Expiration Policy: Points do not expire as long as your account is open and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: N/A

Redemption Penalties: None

Benefits & Protections (Detailed) 25 Total

PENDING

Dining 1

Restaurant Rewards

2% back

Earn 2% back on purchases at restaurants.

Financial 1

No Annual Fee

There is no annual fee for this credit card.

Lifestyle 1

Visa Signature Concierge

24/7 service

Complimentary 24/7 personalized assistance for booking travel, making dinner reservations, finding event tickets, and more.

Purchase Protection 3

Purchase Protection

Up to $500 per claim, up to $50,000 per account

Covers new purchases against damage or theft for 120 days from the date of purchase.

Extended Warranty Protection

Up to $10,000 per claim, up to $50,000 per account

Extends the time period of the original manufacturer's warranty by an additional year on eligible warranties of three years or less.

Return Protection

Up to $250 per item, up to $1,000 per year

If a store won't take back an eligible item within 90 days of purchase, you can be reimbursed for the item.

Security 4

Zero Liability Protection

$0 liability

You won't be held responsible for unauthorized charges made with your card or account information.

Emergency Card Replacement

Expedited replacement

If your card is lost or stolen, you can get an emergency card replacement.

Emergency Cash Disbursement

Expedited cash

If your card is lost or stolen, you can get emergency cash delivered.

Lost/Stolen Card Reporting

24/7 reporting

Assistance with reporting a lost or stolen card and preventing unauthorized use.

Shopping 4

Amazon & Whole Foods Market Rewards (Prime)

5% back

Earn 5% back on purchases made at Amazon.com and Whole Foods Market when you have an eligible Prime membership.

Amazon & Whole Foods Market Rewards (Non-Prime)

3% back

Earn 3% back on purchases made at Amazon.com and Whole Foods Market without an eligible Prime membership.

General Purchase Rewards

1% back

Earn 1% back on all other eligible purchases.

Amazon Rewards Redemption

Flexible redemption

Easily redeem your earned rewards directly at Amazon.com checkout.

Travel 5

Gas Station Rewards

2% back

Earn 2% back on purchases at gas stations.

Local Transit & Commuting Rewards

2% back

Earn 2% back on purchases for local transit and commuting, including rideshares.

No Foreign Transaction Fees

0% fee

You will not be charged foreign transaction fees on purchases made outside of the United States.

Roadside Dispatch

Pay-per-use service

A pay-per-use referral service that can help you with services like towing, tire changing, jump starting, lockout service, and fuel delivery.

Visa Signature Luxury Hotel Collection

Various benefits

Access to a collection of over 900 hotels worldwide with premium benefits like best available rate guarantee, automatic room upgrade upon arrival (when available), complimentary in-room Wi-Fi, complimentary continental breakfast, $25 food or beverage credit, and late checkout (when available).

Travel Insurance 6

Auto Rental Collision Damage Waiver

Up to actual cash value of the vehicle

Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is secondary within your country of residence and primary when renting outside your country of residence. Covers theft and collision damage for most rental cars.

Baggage Delay Insurance

Up to $100 per day for up to 3 days

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by a passenger carrier.

Lost Luggage Reimbursement

Up to $3,000 per passenger

If you or your immediate family members' checked or carry-on luggage is lost or damaged by the carrier, you're covered.

Trip Delay Reimbursement

Up to $500 per ticket

If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging.

Trip Cancellation/Interruption Insurance

Up to $1,500 per person and $6,000 per trip

If your trip is canceled or interrupted for covered reasons like sickness or severe weather, you can be reimbursed for your pre-paid, non-refundable travel expenses.

Travel and Emergency Assistance Services

Referral and coordination service

Provides a range of services when you're away from home, including medical and legal referrals, emergency transportation assistance, and more. Cardholders are responsible for the cost of any services received.

Benefits Summary (Flags)

PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus

PENDING

$150

Cash Back

Requirement: Spend $1,500 in 90 days

Timing: Typically within 6-8 weeks after meeting the spending requirement.

Fee Structure

PENDING

Annual Fee:	$0.00
Year 1 Waived:	No
Effective Annual Fee:	$0.00
Authorized User Fee:	$0.00
Penalty APR:	29.99%
Min Interest Charge:	$2.00

Additional Fees

PENDING

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 & APR

PENDING

Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 21.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 0 months

Intro BT APR: 0% for 0 months

Promo Financing: 0% APR Special Financing

Promo Duration: 12 months

⚠️ Interest will be charged from the purchase date if the promotional balance is not paid in full by the end of the promotional period.

Approval Criteria & Requirements

PENDING

Credit Score Requirements

Recommended FICO Score

670 - 850

Approval Odds

Good

Soft Pull Support

Supported

Application Process

Prequalification

Available

Preapproval

Available

Credit Bureau

Experian, TransUnion, Equifax

Issuer Rules & Policies

PENDING

Rules: To be eligible for the Amazon Visa (Prime Rewards Visa Signature version assumed for optimal benefits), applicants must generally possess excellent credit, be 18 years or older, and a U.S. resident. The primary application rule is Chase's 5/24 rule, meaning applicants will likely be denied if they have opened 5 or more personal credit cards from any issuer in the past 24 months. For the sign-up bonus (typically an Amazon gift card or statement credit), new cardmembers must meet a specified minimum spending requirement within the initial months of account opening. Eligibility for the Prime version specifically requires an active Amazon Prime membership.

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive credit cycling, high cumulative credit limit across Chase accounts, rapid application for multiple cards (even if under 5/24), sudden drastic changes in spending patterns, repeated late payments, or suspected fraud.

Cliff Effect Rules: Not applicable in the same manner as Chase's proprietary card families (e.g., Sapphire, Freedom). The Amazon Visa is a co-branded card and does not typically share bonus eligibility restrictions with other Chase card families.

Special Events: Prime Day, Black Friday, Cyber Monday, Amazon's seasonal sales events, and other Amazon-specific promotions where enhanced rewards or special financing offers may be available.

Holiday Promos: Black Friday, Cyber Monday, Christmas/Holiday shopping season, and other major retail holidays where Amazon and Chase may offer joint promotions.

International Friendly: Yes

User Analytics & Insights

PENDING

User Ratings

Average Rating: 4.5 / 5.0

Top Positive:
Users highly value the 5% back on Amazon purchases for Prime members and the availability of special financing offers. Many found it easy to get approved and beneficial for credit building.

Top Negative:
Common complaints include its limited use outside of Amazon.com, high APR if balances are carried, and some users reported issues with Synchrony Bank's customer service.

Approval Experience: 85.0 / 100

Recommended Alternatives

Amazon Prime Rewards Visa Signature Card (Chase)
Discover it Cash Back
Citi Double Cash Card

Card Value Score: 90.0 / 100

Est. Annual Rewards: $240.00

Approval Probability: 75.0%

Version Control

PENDING

Version ID: v1.0