Amazon Visa: 3% Cashback on Amazon and Whole Foods
Earn 3% cashback on Amazon and Whole Foods purchases, plus rewards on dining, gas stations, and local transit – with no annual fee and no foreign transaction fees.
The Bottom Line
4.2
BIG4CREDIT RANKING
Our 5-star rating is based on Big4credit’s independent, data-driven scoring system.
Each card is evaluated across multiple weighted categories – including rewards,
fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections.
Ratings are determined solely by our research and analysis and are never influenced
by card issuers or advertisers. Read about our ranking system in the
Credit Card Ranking & Methodology section.
Amazon Visa is a good option if you shop on Amazon regularly but don’t want to pay for a Prime membership. You still earn solid rewards on Amazon and Whole Foods purchases, and there are no rotating categories to track. It works well as a simple default card for Amazon spending – you just use it and earn. The card also offers an instant sign-up bonus and easy redemption directly at Amazon. If you want straightforward Amazon rewards with no membership required, this card makes sense.
Amazon Visa
Apply now
On Chase's Secure Website
Annual fee:
$0
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
18.74% - 27.49% Variable APR
Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.
Chase Pay Over Time®
Credit Score
670-850 (Good/Excellent)
Rewards Earn 3% cashback on Amazon, Whole Foods, and Chase Travel purchases. Earn 2% cashback at restaurants, gas stations, on local transit and commuting, plus 1% on all other purchases.
1% - 3% Cashback
Welcome Offer Earn a $50 Amazon gift card instantly upon approval.
$50 Amazon Gift Card
Welcome Offer
- Earn a $50 Amazon gift card instantly upon approval.
Rewards
- 3% Cashback Categories:
- Amazon.com and Audible.com
- Whole Foods Market and Amazon Fresh
- Shopbop.com
- Chase Travel purchases
- 2% Cashback Categories:
- Restaurants
- Gas stations
- Local Transit and Commuting
- 1% Cashback on all other purchases.
Redemption Options
- Flexible Redemption: Redeem points for cash, travel, gift cards, or use it for purchases at Amazon.com with no minimums. Points post and can be redeemed as soon as the next day.
💡 Smart Tip: Don’t Use Amazon Points at Checkout
- If you redeem rewards from the Amazon Visa directly at Amazon checkout, you do not earn rewards on that purchase.
A better strategy is:
- Redeem rewards as cashback or statement credit
- Pay for the purchase with your credit card
- Earn new rewards on that purchase
For example:
- Method: Pay $100 with points > Rewards Earned: $0
- Method: Pay $100 with card > Rewards Earned: $5
Over time, this small optimization can add up.
Fees and APR
- Annual Fee: $0.
- Regular APR: 18.74% - 27.49% Variable APR.
- Balance Transfer Fees: $5 or 4% of each transfer amount, whichever is greater.
- Foreign Transaction Fee: None.
Travel Protections
- Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is secondary and provides reimbursement up to $60,000.
- Baggage Delay Insurance: Get reimbursed up to $100 per day for up to 3 days for essential purchases if your baggage is delayed more than 6 hours.
- Travel Accident Insurance: Receive up to $500,000 in coverage for accidental death or dismemberment when you pay for air, bus, train, or cruise travel with your card.
- Lost Luggage Reimbursement: Get up to $3,000 per covered traveler to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip.
Travel & Emergency Assistance
- Roadside Assistance: Dispatch service available; service fees apply.
- Travel & Emergency Assistance: Access to emergency referral and coordination services while traveling (service referrals only; costs not covered).
Purchase Protections
- Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
- Extended Warranty: Extends warranty coverage by one additional year on original eligible warranties of three years or less.
Convenience Features
- Authorized Users: Add authorized users at no cost and earn rewards on their purchases.
- Digital wallet compatible: Apple Pay®, Google Pay™, Samsung Pay.
- Account alerts available.
Shopping & Savings
- Chase Offers: Activate personalized deals from popular merchants and earn automatic cashback when you use your card.
Buy Now, Pay Later Options
- Get it Now, Pay over Time: Enjoy 0% promo APR for 6-12 months on eligible Amazon purchases of $50 or more or at eligible retailers with Amazon Pay. Note: you won’t earn rewards if you choose equal monthly payments at checkout.
Additional Features
- Free credit score access.
Terms and Conditions
- Click Apply Now to see the terms and conditions.
Related Card Options
- Prime Visa: Earn higher cashback rates on Amazon.com and Whole Foods Market purchases with an active Amazon Prime membership. A natural upgrade from Amazon Visa for Prime members who want to maximize Amazon rewards. 👉 Learn more about Prime Visa.
EarnSmart Rewards Strategy
- Custom Cash®: Earn 5% cashback on your top eligible spending category each billing cycle (up to the cap), making it a strong complement for groceries, dining, or another high-spend category outside Amazon and Whole Foods. 👉 Learn more about Custom Cash®.
- Active Cash®: Provides unlimited 2% cashback on all purchases, helping increase returns on everyday spending that does not fall into Amazon or bonus categories. 👉 Learn more about Active Cash®.