Amazon Prime Credit Card Reviews: Is It Worth Adding to Your Wallet?
Amazon Prime Credit Card Reviews 2025: Benefits, Drawbacks & Is It Worth It?
For millions of individuals throughout the world, Amazon has emerged as the preferred online shopping destination. It's difficult to top the convenience of everything from daily necessities to the newest technology. However, did you know that Amazon also provides credit cards designed especially for regular customers? The "Amazon Prime Credit Card" is a well-liked option among them.
We'll examine the Amazon Prime Credit Card in greater detail in this blog post, going over its features, advantages, disadvantages, and if it's still worthwhile to apply for in 2025.
What Is the Amazon Prime Credit Card?
In collaboration with Chase Bank, the Amazon Prime Credit Card is a rewards credit card. You must already be a "Amazon Prime member" in order to be eligible. Its main goal is to provide devoted Prime members with even greater discounts and benefits anytime they shop, both online and off.
This card is available in two versions:
1. Amazon Prime Rewards Visa Signature Card – Exclusively for Prime members.
2. Amazon Rewards Visa Signature Card – For non-
Prime members, but with fewer benefits.
For this review, we’ll focus on the Amazon Prime Rewards Visa Signature Card, since it’s the one most Prime users consider.
Key Features of the Amazon Prime Credit Card
Here are some of the standout features that make this card appealing:
5% Cash Back: Earn 5% back on all Amazon.com and Whole Foods purchases (as long as you maintain your Prime membership).
2% Cash Back: On dining, gas stations, and drugstores.
1% Cash Back: On all other purchases.
No Annual Fee (with Prime Membership): The card itself doesn’t have an annual fee, but you need to maintain an Amazon Prime subscription (currently \$139 per year in the U.S.).
Visa Signature Benefits: Includes perks like travel and purchase protection, extended warranty coverage, and no foreign transaction fees.
Welcome Bonus: New cardholders typically receive a $100–$200 Amazon Gift Card upon approval.
Benefits of the Amazon Prime Credit Card
1. High Rewards on Amazon and Whole Foods
The biggest draw is the 5% cashback rate. If you spend heavily on Amazon or at Whole Foods, these savings add up fast. For example, if you spend $3,000 annually on Amazon, that’s $150 back each year—essentially covering your Prime membership cost.
2. No Extra Fees
Unlike many rewards credit cards, there’s no annual fee for the card itself. The only “catch” is that you must remain a Prime member, but if you’re already subscribed, this is a win.
3. Generous Sign-Up Bonus
Getting an instant Amazon gift card upon approval means you can start benefiting right away. Many people use it to knock down the price of their first big Amazon order after approval.
4. Everyday Spending Rewards
Earning 2% on gas, dining, and drugstores makes it competitive with many other general cashback cards. If you travel internationally, the lack of foreign transaction fees is also a nice bonus.
5. Security & Protection
Since it’s a Visa Signature card, you get fraud protection, extended warranties, and purchase protection—features that add peace of mind when making big purchases.
Drawbacks of the Amazon Prime Credit Card
While the card is attractive for heavy Amazon users, it does have some downsides:
1. Prime Membership Required
The card loses its main benefit (5% cashback) if you cancel Prime. Non-Prime members only get 3% on Amazon and Whole Foods, making it less competitive.
2. Limited High Rewards Outside Amazon
While you do get 2% back on gas, dining, and drugstores, other categories are stuck at just 1%. If you’re looking for a card with higher rewards across all purchases, this may not be your best option.
3. No Introductory APR Offer
Some credit cards offer 0% APR for the first year or two, which is great for balance transfers or big purchases. The Amazon Prime Credit Card doesn’t include this perk.
4. Requires Good to Excellent CreditApproval isn’t guaranteed. You typically need a credit score of 690 or higher to qualify, which may exclude some applicants.
Who Should Get the Amazon Prime Credit Card?
This card is perfect for:
Frequent Amazon Shoppers:
If you place multiple Amazon orders each month, the 5% cashback is unbeatable.
Whole Foods Shoppers: Regularly buying groceries at Whole Foods means you’ll rack up rewards quickly.
Prime Loyalists: If you’re already paying for Amazon Prime and don’t plan to cancel, this card enhances the value of your membership.
Travelers: Since there are no foreign transaction fees, it’s a solid choice for international shopping or travel.
On the other hand, it may not be worth it if:
* You rarely shop on Amazon or Whole Foods.
* You want a card with broader rewards categories (like rotating 5% categories or flat 2% back on everything).
* You don’t want to commit to paying for a Prime subscription.
Amazon Prime Credit Card vs Competitors
To see how the Amazon Prime Credit Card stacks up, let’s compare it with two popular alternatives:
Citi Double Cash Card: Offers 2% cashback on everything (1% when you buy, 1% when you pay).
While it doesn’t beat Amazon’s 5%, it’s better for general spending.
Discover it Cash Back: Rotating 5% categories (like groceries, gas, and restaurants).
Good for flexible spenders but less consistent than Amazon’s fixed categories.
Chase Freedom Unlimited: Offers 1.5% cashback on all purchases, plus higher rewards on travel and dining.
In short, the Amazon Prime Credit Card is unbeatable for Amazon-specific spending but may fall short as an all-purpose card.
Customer Reviews: What Do Users Say?
Most users praise the simplicity and generous rewards when shopping at Amazon.
Many also highlight the instant gift card bonus as a nice touch.
However, some negative reviews mention:
* Frustration with Chase’s customer service.
* Difficulty redeeming rewards (though most users find it easy to apply points at checkout).
* The limited use of high rewards outside of Amazon.
Overall, the reviews are strongly positive, with most Prime members agreeing it’s one of the best cards for Amazon loyalists.
Final Verdict: Is the Amazon Prime Credit Card Worth It?
If you’re already an Amazon Prime member and spend a decent amount shopping online or at Whole Foods, the “Amazon Prime Rewards Visa Signature Card” is absolutely worth it. The 5% cashback quickly adds up, and the welcome bonus is a great perk.
However, if you’re not a frequent Amazon shopper or you’re considering canceling Prime, there are better all-around credit card options out there.
Bottom Line:
* For Prime loyalists → A must-have.
* For casual Amazon shoppers → Consider other cashback cards.
Quick Pros & Cons Summary
Pros:
* 5% cashback at Amazon & Whole Foods
* No annual fee (with Prime)
* Solid 2% rewards on gas, dining, and drugstores
* No foreign transaction fees
* Instant gift card bonus
Cons:
* Requires Prime membership
* Limited rewards outside Amazon
* No intro APR offer
* Good to excellent credit required
Overall Rating: 4.5/5 – Excellent choice for Amazon enthusiasts, but limited appeal for everyone else.
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