Amazon Prime Rewards Visa Signature Card
Basic Information
Program ID: amazon-visa
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Premium
Data Complete: Yes
Created: 01/15/2026 16:39
Last Scraped: 01/15/2026 16:41
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
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: 2,124.00%
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: $1,500.00
Time Period: 90 days
Bonus Timing: Typically within 6-8 weeks after meeting the spending requirement.
Rewards Program
Reward Type: Cash Back / Amazon Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Amazon.com, 5x Whole Foods Market (with eligible Prime membership); 2x Restaurants, 2x Gas Stations, 2x Local Transit & Commuting
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: N/A
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
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 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.
Maximum Cards Per Issuer: 7
Minimum 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.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.5 / 5.0
Top Positive Feedback:
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 Feedback:
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 Score: 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
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 24 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0