Rates & Fees

Amazon Visa vs.
Prime Visa

John Kiernan, Credit Card Editor

Sep 25, 2025Fact checked

THE WINNER

Prime Visa

EDITOR’S VIEW

The Prime Visa is better than the Amazon Credit Card because it offers a bigger initial bonus, higher reward rates and more discounts, which translate to superior overall value and a higher WalletHub Rating.
Both cards are on the Visa network, which means they can be used anywhere Visa credit cards are accepted, including Amazon.com and Whole Foods Market stores.
The Prime Visa is ideal for existing Prime members and people who make frequent purchases on Amazon.com.
The Bass Pro Shops® Credit Card is the better card for occasional shoppers who want to earn bonus rewards on Amazon.com and Whole Foods purchases without signing up for a Prime membership.

WalletHub's credit card comparisons and ratings are completely independent and not provided, commissioned, or endorsed by any issuer. WalletHub independently collected information for

some of the cards

on this page.

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Amazon Credit Card vs. Prime Visa: Key Characteristics

Amazon Credit Card

3.5WalletHub Rating

WalletHub Rating

3.5

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

4.3

User Reviews

3.6

Market Comparison

3.3

fees: 5.0

rewards: 3.1

cost: 3.2

Other Features: 0.0

Learn More

winner

Prime Visa

Amazon Credit Card vs. Prime Visa: Rewards

The Prime Visa wins this round, as it offers Prime members 1 - 5% cash rewards on purchases and a $150 Amazon Gift Card instantly upon approval. The Amazon Credit Card gives non-Prime members up to 3 points per $1 spent on purchases, plus a $50 gift card upon approval.

Amazon Credit Card

Prime Visa

rewards Type

Points

Cash Rewards

bonus offer

$50 gift card

$150 Amazon gift card

rewards rate

1 - 5 points / $1

1 - 5% Cash Rewards

rewards details

Amazon Credit Card - Rewards Details

A $50 Amazon.com Gift Card ($150 for Prime members) will instantly be loaded into your Amazon.com account upon the approval of your credit card application.
Earn 3 points for every $1 spent (equivalent to 3% back) at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases.
Earn 2 points for every $1 spent (equivalent to 2% back) at gas stations, restaurants and on local transit and commuting, including rideshare. Earn 1 point for every $1 spent (equivalent to 1%back) on all other purchases.
Redeem daily rewards at Amazon.com as soon as the next day. Or redeem at Chase.com for cash back, gift cards, or travel.
If you have an eligible Prime membership, you can link your Amazon.com Credit Card to earn 5 points for every $1 (equivalent to 5% back) on purchases made at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases. Plus, get up to 10% back on rotating Amazon categories and products with a Prime card.

Prime Visa - Rewards Details

Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members
Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
Earn unlimited 1% back on all other purchases
No more waiting. Redeem daily rewards at Amazon.com as soon as the next day

Amazon Credit Card vs. Prime Visa: Major Fees

These cards do not charge annual fees, but the Amazon Credit Card gets the win here because there’s no Prime membership requirement for you to use the card. The Prime Visa requires an eligible Prime membership to take advantage of the card’s higher rewards and exclusive perks.

Neither card charges a foreign transaction fee on purchases processed abroad.

winner

Amazon Credit Card

Prime Visa

Annual fee

Monthly Fee

One-time Fees

Amazon Credit Card vs. Prime Visa: Purchase APRs

Neither card offers a 0% intro APR on purchases. Both cards will allow you to carry a balance from month to month, but at a high regular interest rate. The range of possibilities is the same for both cards: 19.49% - 28.24% (V). The exact rate you’ll receive upon approval for either card depends on your overall creditworthiness.

The Prime Visa wins this matchup as the better overall card.

Amazon Credit Card

winner

Prime Visa

purchase intro rate

Not Offered

regular apr

19.49% - 28.24% (V)

Amazon Credit Card vs. Prime Visa: Balance Transfers

There are no 0% APR balance transfer offers available for either the Prime Visa or the Amazon Credit Card, though the Prime Visa emerges victorious as the better overall card.

If you choose to transfer a balance using either card, you’ll do so at the regular APR of 19.49% - 28.24% (V), with a balance transfer fee of either $5 or 4% of the amount of each transfer, whichever is greater. for the Prime Visa and 4% (min $5) for the Amazon Credit Card.

You’d do better shopping around for a 0% APR balance transfer card.

winner

Amazon Credit Card

Prime Visa

Balance Transfer Intro APR

Not Offered

regular apr

19.49% - 28.24% (V)

balance transfer fee

4% (min $5)

Either $5 or 4% of the amount of each transfer, whichever is greater.

Amazon Credit Card vs. Prime Visa: Reviews

The Prime Visa sweeps this category with a 4.2 / 5 user rating, an editor’s rating of 4.2/5, and a 4.34 / 5 WalletHub Rating.

The Amazon Credit Card registered a 3.6 / 5 user review rating and an editor’s rating of 4.3/5. Its WalletHub Rating sits at 3.46 / 5. The WalletHub Rating is a measure of a credit card’s editor’s rating, its user reviews, and how its terms compare to other options on the market.

Amazon Credit Card vs. Prime Visa: Additional Info

Both Amazon cards offer benefits such as roadside assistance, 24/7 travel and emergency assistance, travel insurance, and shopping benefits like purchase protection and extended warranty protection. The Prime Visa wins this matchup as it also provides Prime members with exclusive access to limited-time offers good for 10% back or more on a rotating selection of products on Amazon.com.

Amazon Credit Card

winner

Prime Visa

foreign transaction fee

cash advance apr

29.24% (V)

cash advance fee

4% (min $5)

Either $5 or 4% of the amount of each transaction, whichever is greater.

grace period

21 days

See Terms

Additional Info

Amazon Credit Card - Additional Info

If you have an eligible Prime membership, you can choose between 5 points for every $1 spent at Amazon.com or 0% promo APR for 6-12 months on purchases $50 or more. Terms apply.
Equal Monthly Payment Financing: 6 equal monthly payments on purchases of $50 or more, and 12 equal monthly payments on purchases of $250 or more.
Travel Benefits: Travel Accident Insurance, Lost Luggage Reimbursement, Baggage Delay Insurance, and Auto Rental Collision Damage Waiver.
Shopping protection: Extended Warranty Protection, Purchase Protection and Zero Fraud Liability for Unauthorized Purchases.
If approved for an account, your credit access line will be at least $500.

Prime Visa - Additional Info

No annual credit card fee
Member FDIC

About the Author

John S Kiernan

Credit Card Editor

John Kiernan has covered the credit card industry for more than 15 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post, Fox News and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau.

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Still not sure?

Check out other popular cards from our partners related to Amazon Credit Card and Prime Visa.

Costco Anywhere Visa® Card by Citi

3.65 out of 5 rating1,057 Reviews

Apply Now

Rates & Fees

3.65 out of 5 rating1,057 Reviews

3.6WalletHub Rating

WalletHub Rating

3.6

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

4.5

User Reviews

3.6

Market Comparison

3.5

fees: 5.0

rewards: 3.0

cost: 3.6

Other Features: 0.0

Purchase Intro APRNot Offered

Transfer Intro APRNot Offered

Regular APR19.24% - 27.24% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

19.24% - 27.24% (V)

annual fee

rewards rate

1 - 5% Cash Back

credit score

Excellent Credit

Pros

$0 Annual Fee
High Rewards Rate
No Foreign Transaction Fees

Cons

No Initial Rewards Bonus
In-Store Rewards Redemption Only
High Regular APR

Rewards Details

Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
2% cash back on all other purchases from Costco and Costco.com
1% cash back on all other purchases
Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

Additional Info

*No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases

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Wells Fargo Active Cash® Card

3.37 out of 5 rating219 Reviews

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3.37 out of 5 rating219 Reviews

4.4WalletHub Rating

WalletHub Rating

4.4

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

4.9

User Reviews

3.3

Market Comparison

4.4

fees: 3.8

rewards: 4.7

cost: 4.7

Other Features: 0.0

Purchase Intro APR0% for 12 months from account opening

Transfer Intro APR0% for 12 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)

Regular APR18.99%, 23.99%, or 28.99% Variable

Purchase Intro APR

0% for 12 months from account opening

Transfer Intro APR

0% for 12 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)

Regular APR

18.99%, 23.99%, or 28.99% Variable

annual fee

rewards rate

2% Cash Rewards

Bonus Offer

$200 Cash Rewards

Bonus Offer

$200 Cash Rewards

credit score

Excellent Credit, Good Credit

Pros

$200 cash rewards bonus
$0 annual fee
2% cash rewards on purchases
0% introductory APR

Cons

High regular APR
Foreign transaction fee
Balance transfer fee

Rewards Details

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
No categories to track or remember and cash rewards don’t expire as long as your account remains open.

Additional Info

Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.99%, 23.99%, or 28.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
$0 annual fee.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Pros, Cons, & Details

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Questions & Answers

Comparing credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.

Upvotes

How can I pay my Amazon Credit Card?

Upvotes

What are the best Amazon credit card benefits?

Cameron DiGiovanni, Writer

The best Amazon Credit Card benefits are travel accident insurance and lost luggage reimbursement. The Amazon Credit Card also has rental car insurance and concierge services, which are more common perks across Chase credit cards.

Amazon Credit Card Benefits

3 points per $1 spent at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases, 2 points per $1 spent at gas stations, restaurants and on local transit and commuting, and 1 point per $1 spent on all other purchases
$50 Amazon gift card upon approval ($150 for Prime members)
$0 annual fee
0% foreign transaction fee
Travel accident insurance
Lost luggage reimbursement
Rental car insurance
Concierge services
Roadside dispatch
Baggage delay insurance
Travel and emergency assistance

Upvotes

How do I apply for the Amazon Credit Card?

Adam McCann, Financial Writer

The easiest way to apply for the Amazon Credit Card is online, and you can get to the online application by going directly to Chase's website. Alternatively, you can apply in person.

Keep in mind that the Amazon Credit Card requires good credit, which means you need a 700+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt your credit score. So, it's good to know what...

Upvotes

How can I talk to Amazon Credit Card customer service?

Maria Adams, Credit Cards Moderator

To talk to Amazon Credit Card customer service, call (888) 247-4080 and then enter your 16-digit card number. This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.

How to Talk to Amazon Credit Card Customer Service by Phone

Call the Amazon Credit Card customer service department. You can even use the number on the back of your card.
Enter your 16-digit card...

Upvotes

What is the Amazon.com Credit Card concierge benefit?

Adam McCann, Financial Writer

The Amazon Credit Card concierge is a free benefit that acts like an on-demand personal assistant for cardholders. Amazon Credit Card cardholders can contact the concierge by calling (888) 247-4080 to ask for help with nearly anything, from travel and purchase assistance to directions and restaurant reservations. Contacting the concierge is free, but the cardholder is responsible for any purchases they authorize the concierge to make.

Things the Amazon Credit Card Concierge Can Help With:

Booking travel
Purchasing...

Upvotes

Where can I check my Amazon Credit Card balance?

Maria Adams, Credit Cards Moderator

The easiest way you can check your Amazon Credit Card balance is either online or over the phone at (888) 247-4080, but there are alternatives, too. Keep in mind that the ways to Amazon Store Card balance are different, as the two cards aren't issued by the same bank.

Here's how you can check your Amazon Credit Card balance:

Online: You can check your Amazon Credit Card balance simply by signing in to your account.
Chase Mobile App: You can also...

Upvotes

How can I manage my Amazon Credit Card?

Maria Adams, Credit Cards Moderator

You can manage your Amazon Credit Card by logging in to your online account or using the mobile app. The Amazon Store Card is issued by a different bank, so, in order to manage this card, you need to either visit its own login page or use its issuer's mobile app.

By logging in to the website or using the mobile app, you will be able to see your card's balance and previous statements, as well as manage your rewards. You can...

154

Upvotes

What is the Amazon Credit Card credit score requirement?

154

Sebi Mitchell, Credit Cards Moderator

The Amazon Credit Card credit score requirement is 700 or better. That means people with good credit or better have a shot at getting approved for the Amazon Credit Card.

Note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Amazon Credit Card, too. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and...

Upvotes

How can I cancel my Amazon Credit Card?

WalletHub

To cancel Amazon Credit Card, call customer service at 1 (888) 247-4080 or log in to the Chase website. Cardholders can also cancel an account in person at a Chase branch, or by mail.

Be aware that if there's a balance remaining on the canceled account, you are still required to make at least the minimum payment every month until the balance is paid in full. In addition, canceling your card will forfeit any unused cash back rewards...

Upvotes

How much is the Amazon.com Credit Card annual fee?

Lisa Cahill, Credit Cards Moderator

The Amazon Credit Card annual fee is $0. Amazon Credit Card's $0 annual fee is lower than the average annual fee among new credit card offers right now. It's not the only fee you need to worry about with the Amazon Credit Card, though.

Important Amazon Credit Card Fees

Annual Fee: $0
Cash Advance Fee: 4% (min $5)
Foreign Transaction Fee: 0%
Balance Transfer Fee: 4% (min $5)
Max Late Fee: $39

It is also worth noting that the Amazon Store Card...

Compare More

Amazon Credit Card

Prime Visa

Amazon Prime Store Card vs. Prime Visa Card

Important Disclosures

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Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub, we try to list as many credit card offers as possible and currently have more than 1,500 offers, but we do not list all available offers or financial service companies.

Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best credit card picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any issuer, as our editors follow a strict editorial policy.

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Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsement of the institution or professional by us or vice versa.

We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

* The information about the following cards has been independently collected by WalletHub: Amazon Credit Card, Bass Pro Shops® Credit Card, and Amazon Store Card.

Amazon Visa vs. Prime Visa

THE WINNER

Amazon Credit Card vs. Prime Visa: Key Characteristics

Amazon Credit Card vs. Prime Visa: Rewards

Amazon Credit Card vs. Prime Visa: Major Fees

Amazon Credit Card vs. Prime Visa: Purchase APRs

Amazon Credit Card vs. Prime Visa: Balance Transfers

Amazon Credit Card vs. Prime Visa: Reviews

Amazon Credit Card vs. Prime Visa: Additional Info

About the Author

John S Kiernan

Still not sure?

Questions & Answers

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Important Disclosures

Amazon Visa vs.
Prime Visa