Chase
Amazon Visa
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | Receive $50 Amazon Gift Card |
| Rewards Rate | 1%-3% Back |
| Regular APR | 18.74Min. of (6.75+11.99) and 29.99%–27.49Min. of (6.75+20.74) and 29.99% variable APR |
| Other Fees | Roadside service fees will be billed to your card at time of dispatch. |
| Network | Visa |
About this card
The Amazon Visa card earns a strong overall rating of 3.9. Its primary strengths lie in an exceptional fee structure, boasting no annual fee and no foreign transaction fees, which significantly enhances its value proposition (Fees Rating: 4.8). The rewards program is also very robust, offering 3% back on Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel, along with 2% back on gas, restaurants, and local transit. This makes it a highly attractive option for frequent shoppers in these categories, especially for a no-annual-fee card (Rewards Rating: 4.3). The card benefits from the strong reputation of its issuer, Chase, and the Visa network, providing reliability and trust (Reputation Rating: 4.7). While the immediate $50 Amazon Gift Card sign-up bonus is convenient, its value is modest compared to other card offers. The most significant drawback is the very high regular APR (18.74%-27.49%) and the complete absence of an introductory APR period (APR Rating: 1.5). This makes the card a poor choice for anyone who anticipates carrying a balance, as interest charges could quickly negate any earned rewards. However, for its target audience—consumers who primarily shop at Amazon and related stores and consistently pay their balance in full—the card offers substantial value through its generous rewards and low fees. Its strengths in fee structure and rewards, combined with a strong brand, largely outweigh the high APR for financially responsible users, positioning it as a very good choice within its niche.
Pros & Cons
What's great
- No annual fee
- Cashback on purchases
- Targeted bonus categories
- Welcome bonus
- No foreign transaction fees
- Travel and purchase protections
Things to consider
- High regular APR
- No intro APR period
What this card offers
Sign-up bonuses
- Get a $50 Amazon Gift Card instantly loaded into your Amazon account's Gift Card Balance on approval of your credit card application.
Rewards
- Earn unlimited 3% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases.
- Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare).
- Earn unlimited 1% back on all other purchases anywhere Visa is accepted.
Other features
- Redeem your points as soon as the next day with daily rewards.
- You'll see your rewards balance during checkout at Amazon.com. Use your rewards to pay for part or all of your purchase. There's no minimum rewards balance to redeem.
- You can also redeem for cash back, gift cards, and travel at Chase.com.
- You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
- Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase
- Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
- Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
- Zero Liability means you won't be held responsible for unauthorized charges made with your card or account information.
- When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive up to $500,000 in accidental death or dismemberment coverage
- Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.
- Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance.
- If you have a roadside emergency, call the service provider to dispatch the help you need.
- If you run into a problem while traveling away from home, this benefit provides legal and medical referrals and access to other travel and emergency assistance services. (You will be responsible for the cost of any goods or services obtained.)
- For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol. For more information, please see www.chase.com/contactless.
Additional Notes
“% back rewards” are the rewards you earn under the program. % back rewards are tracked as points and each $1 in % back rewards earned is equal to 100 points. Your points don’t expire as long as your card account remains open, however, you will immediately lose all your points if your card account status changes, or your card account is closed for program misuse, fraudulent activities, or other reasons described in the terms of the Rewards Program Agreement.