Amazon / Chase Prime Visa
Amazon / Chase, Visa, no annual fee. Earns cash back.
Rates checked against the issuer 2026-08. Foreign transaction fee: none.
The short version
- Best at: nothing in particular — no category puts it in the top three of the catalogue.
- A year's rewards: about $322, with no fee to pay.
- Weighing it up against: Freedom Unlimited.
Is the annual fee worth it?
No annual fee, so everything it earns is kept: about $322 a year on the illustrative household's spending, which puts it number 53 of 59 the no-fee cards in the catalogue. All of them, ranked.
Price its credits, perks and sign-up bonus your way — tick what you would use and say what it is worth to you.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Online Shopping, Groceries | 5% | Amazon, Whole Foods only. Amazon and Whole Foods, with an active Prime membership |
| Restaurants & Bars, Gas Stations, Public Transit, Food Delivery, Rideshare & Taxis | 2% | |
| Everything else | 1% |
Where a year's rewards come from
| Spending on | Earns a yearWhat this card earns on each kind of spending over a year, for the illustrative household on the method page. Before the annual fee. |
|---|---|
| Restaurants & Bars | $72 |
| Groceries | $60 |
| Everything Else | $60 |
| Gas Stations | $36 |
| Online Shopping | $18 |
| Utilities | $18 |
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
Protections and travel benefits
From the issuer's own benefit summary as of 2026-09. These are read from summaries rather than the full guide to benefits, which has the exclusions — check it before relying on one.
- Purchase protection — 120 days
- Extended warranty
What the issuer lists besides rewards
- Requires a paid Prime membership to earn the headline 5%
- Purchase protection for 120 days after you buy
- Extended warranty adds a year to manufacturer warranties of three years or less
Similar cards
- Wells Fargo Active Cash — annual fee none
- U.S. Bank Altitude Connect — annual fee none
- U.S. Bank Altitude Go — annual fee none
- Amazon Visa — annual fee none
- Every cash back card, ranked
- The best two- and three-card combinations
Point values: published industry valuations. How every number here is worked out.