With the Amazon Credit Card, Prime members get 5% back on Amazon and Whole Foods.
Enjoy 2% back at gas stations and dining, plus 1% on all other spending. Added perks like purchase protection make it even more valuable.
A card with solid cashback and no annual fee is worth considering. Check the official site and take the next step toward earning rewards.
How Does the Amazon Credit Card Work?
The Amazon Credit Card is a Visa card accepted worldwide, offering cashback on Amazon and everyday purchases. It is issued by Chase Bank and comes with exclusive perks.
Cardholders earn up to 5% back on Amazon, 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases made with the card.
There are no foreign transaction fees, making it ideal for shopping abroad or online purchases from international retailers.
Main details of the card
The Amazon Credit Card is a rewards card tailored for frequent Amazon shoppers. It provides cashback on purchases, with even greater benefits for Prime members.
Cardholders earn 3% back on Amazon.com and Whole Foods Market purchases, increasing to 5% for Prime members. Additional rewards apply to select spending categories.
If you’re looking for a credit card with strong rewards, continue reading to learn how it works and how to apply. This guide covers everything you need to know before getting started.
Advantages of the Amazon Credit Card
No Annual Fee
This card comes with no annual fee, allowing users to maximize their rewards without extra costs. It’s a great way to earn cashback without worrying about yearly charges.
High Cashback on Amazon Purchases
Cardholders get 3% back on Amazon.com and Whole Foods Market purchases, or 5% back if they have an eligible Prime membership. This makes shopping more rewarding.
2% Back on Everyday Purchases
Earn 2% cashback at restaurants, gas stations, and drugstores, making it a great choice for everyday spending beyond Amazon. These rewards add up quickly over time.
1% Back on All Other Purchases
For all other transactions where Visa is accepted, users earn 1% back, ensuring they still receive rewards on every purchase, no matter where they shop.
Instant Gift Card Upon Approval
New cardholders receive a $100 Amazon Gift Card instantly upon approval, providing immediate value. This bonus can be used right away for Amazon purchases.
No Foreign Transaction Fees
Use the Amazon Credit Card worldwide without incurring foreign transaction fees. This makes it ideal for travelers and online shoppers buying from international websites.
Prime vs. Non-Prime Benefits on Amazon Credit Card
The Amazon Credit Card offers great rewards, but benefits vary depending on Prime membership status. See the differences below to understand how Prime enhances rewards.
| Feature | Prime Members | Non-Prime Members |
|---|---|---|
| Amazon & Whole Foods Cashback | 5% | 3% |
| Chase Travel Cashback | 5% | 3% |
| Restaurants & Gas Cashback | 2% | 2% |
| Other Purchases Cashback | 1% | 1% |
| Exclusive 10%+ Offers | Yes | No |
Disclaimer: Prime membership is required for higher cashback rates and exclusive offers. Terms and conditions apply.
How to Apply for the Amazon Credit Card?
Applying for the Amazon Credit Card is quick and easy. Follow these steps to complete your application on the official website:
- Visit the official Amazon Visa page: Open Amazon’s credit card section while logged into your account.
- Select the “Apply Now” option: Locate and proceed with the application process.
- Fill out your details: Enter your personal and financial information accurately.
- Review and submit: Check the terms, then complete your application.
- Get an instant decision: Many applicants receive approval and can use the card right away.
Who Should Consider the Amazon Credit Card?
The Amazon Credit Card is tailored for individuals whose spending habits align with its rewards structure. Key demographics include:
- Frequent Amazon Shoppers: If you regularly purchase items from Amazon.com, the card’s cashback rewards can lead to significant savings.
- Whole Foods Market Customers: Those who shop at Whole Foods can benefit from enhanced cashback, maximizing their grocery spending.
- Prime Members: Existing Amazon Prime subscribers unlock higher cashback rates, making the card particularly advantageous.
- Everyday Spenders: Individuals who frequently spend in categories like dining, gas, and drugstores can also benefit from the card’s rewards structure.
- Travelers: With no foreign transaction fees, the card is suitable for those who travel internationally and wish to avoid additional charges.
Is the Amazon Credit Card Worth It?
The Amazon Credit Card is a great option for those who frequently shop on Amazon or at Whole Foods. With high cashback rewards and no annual fee, it provides strong value for loyal customers.
For Prime members, the extra cashback on Amazon purchases makes it even more rewarding. However, non-Prime users may find the benefits more limited compared to other cashback cards.
If you rarely shop on Amazon, this card may not be the best fit. General cashback cards with higher rewards on everyday purchases might be a better alternative.
Frequently Asked Questions About the Amazon credit card
The Amazon Credit Card is a rewards card issued by Chase Bank, offering cashback on Amazon.com and Whole Foods Market purchases, with additional benefits for Prime members.
You can apply online through the Amazon website by selecting the “Apply Now” button on the Amazon Visa page and completing the application form.
While specific requirements aren’t disclosed, a good to excellent credit score generally increases approval chances for the Amazon Credit Card.
Yes, you can add authorized users to your Amazon Credit Card account by contacting Chase customer service or through your online account.