Amazon Prime Visa Signature Card
Basic Information
Program ID: prime-visa
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Signature
Data Complete: Yes
Created: 01/15/2026 16:37
Last Scraped: 01/15/2026 16:39
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: 2,049.00% - 2,849.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,049.00%
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: $0.00
Time Period: 0 days
Bonus Timing: Amazon.com Gift Card is typically loaded to your Amazon.com account instantly upon approval.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Amazon.com, 5x Whole Foods Market, 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 account is active.
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: 700 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For 2026, the Prime Visa from Chase is expected to maintain its core application and bonus rules. Eligibility requirements include: 1) **Chase 5/24 Rule**: Applicants must not have opened 5 or more personal credit cards from any issuer in the past 24 months. 2) **Chase 2/30 Rule**: Applicants should not have applied for more than 2 Chase credit cards within a 30-day period. 3) **Amazon Prime Membership**: An active Amazon Prime membership is required to qualify for the full Prime Visa benefits and typically a higher sign-up bonus (e.g., an estimated $150 Amazon Gift Card instantly upon approval, plus an additional $50 statement credit after spending $1,000 in the first 3 months). Non-Prime members may qualify for the Amazon Rewards Visa Signature with different benefits and a lower bonus. 4) **Previous Bonus Eligibility**: Applicants are generally ineligible for the sign-up bonus if they currently hold the Prime Visa card or have received a new cardmember bonus for this specific card in the past 24 months. 5) **Creditworthiness**: A strong credit score (typically 700+) and sufficient income are required for approval.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS), excessive credit cycling, high cumulative credit limit across Chase cards, frequent balance transfers without organic spend, rapid application for multiple Chase cards, suspected fraud, or violation of terms of service.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.2 / 5.0
Top Positive Feedback:
Excellent rewards for Amazon and Whole Foods purchases (5% back for Prime members). No annual fee (beyond Prime membership). Solid 2% back on dining, gas, and local transit. Easy redemption through Amazon. No foreign transaction fees.
Top Negative Feedback:
Requires Prime membership for full benefits. Rewards are heavily tied to the Amazon ecosystem, less valuable for non-frequent Amazon shoppers. Lower 1% back on non-bonus categories. High APR if carrying a balance.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Amazon Store Card (Synchrony)
- Chase Freedom Unlimited
- Citi Double Cash Card
Card Value Score: 90.0 / 100
Est. Annual Rewards: $350.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 72 months
Store vs Co-brand: 60% General / 40% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0
Last Updated: 10/26/2023 00:00