![]() If you have an Amazon Prime membership already, get the Amazon Prime Card* instead. How the Amazon Visa Card compares to other rewards cards Amazon Visa Card vs. Further, you’ll pay a high variable interest rate of 19.24% to 27.24% if you carry a balance on this card. This card does not offer an introductory interest rate for purchases or balance transfers, which puts it at a disadvantage since many cash back cards do. ![]() that might be in the market for this card has an annual income of $84,352 and $25,087 in expenses they can charge to a credit card. Based on our internal figures, a household in the U.S. We used government data and other publicly available information to estimate average credit card spending per household. That said, the rewards on this card are fairly flexible: You can redeem your rewards for Amazon purchases with no minimum, for cash back, gift cards and even travel through Chase. That’s a respectable rewards rate for eligible online shopping and a decent rate for dining out and gas, but the 1% cash back rate on non-bonus spending is subpar when you consider the fact that there’s a slew of cash-back credit cards offering 2% cash back on everything you buy. There’s no option to finance purchases over time, unlike the Prime version of this card which lets you opt for six or 12-month interest-free installment plans in lieu of rewards.Īmazon Visa Card details Amazon Visa Card rewardsĬonsumers who choose this card get the chance to earn 3% cash back on Amazon and Whole Foods purchases, plus 2% cash back at restaurants and gas stations and 1% cash back on all other purchases. Earning cash back on Amazon and Whole Foods purchases is solid but the other earning rates this card offers are similar to what you’ll find than with several other cards. This card comes with a lot of benefits you might not expect, including consumer protections and also travel insurance perks. Having the option to use your rewards in more than one way is a plus, and this card offers more redemption options than some other cash-back cards. Keep this card for the long haul and use it when you want without having to pay an ownership fee each year. ![]() But if you don’t want a Prime membership, this card is ideal for spending on Amazon-centric spending. Just know that the rewards rate on Amazon-related spending can easily be bested by the Prime card version. These are fairly generous perks on a card without an annual fee. The Amazon Visa Card also comes with purchase protection against damage or theft, extended warranties on eligible items that come with a manufacturer’s warranty, baggage delay insurance, travel accident insurance and lost luggage reimbursement. You won’t earn any rewards on purchases made with your rewards. This way you’ll earn rewards on the purchase. One thing to consider before using your Amazon points to shop: You’d be better off buying what you want on the card and then redeeming your earnings for a statement credit. You can also redeem your rewards for cash back if you want, or for gift cards or travel purchases through Chase. The Amazon Visa Card makes it easy to redeem your cash back for millions of different products offered through the huge online retailer, whether you want to buy clothes or order groceries or household supplies. Most importantly, cardholders get the chance to earn 3% cash back on Amazon and Whole Foods purchases, plus 2% cash back at restaurants and gas stations and 1% cash back on all other purchases. The Amazon Visa card comes with no annual fee, and it doesn’t charge foreign transaction fees. If you’re looking for a review of the Amazon Prime card, you’ll find it here. While Amazon and Chase have partnered to offer a similar rewards card for Amazon Prime members, the Amazon Visa Card is an alternative for people who don’t want to pay for Prime membership.
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