Chase
Amazon Visa
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | Get $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 | No foreign transaction 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, positioning it as a 'Good' to 'Excellent' choice for its target demographic. Its primary strengths are an exceptional fee structure, boasting no annual fee and no foreign transaction fees, which significantly enhances its long-term value (Fees Rating: 4.8). The rewards program is also very robust for a no-annual-fee card, offering 3% back on Amazon.com, Whole Foods Market, Audible, and Chase Travel, alongside 2% back on gas, restaurants, and local transit. This makes it highly attractive for frequent shoppers in these categories (Rewards Rating: 4.3). The card benefits from the strong reputation of its issuer, Chase, and the Visa network, providing reliability and trust. The immediate $50 Amazon Gift Card sign-up bonus offers instant value without a spending requirement. However, the most significant drawback is the very high regular variable APR (18.74%-27.49%) and the complete absence of any introductory APR period (APR Rating: 1.5). This renders the card a poor choice for anyone who anticipates carrying a balance, as interest charges could quickly negate any earned rewards. For its intended users—consumers who frequently 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 formidable strengths in fee structure and rewards, combined with a strong brand, largely outweigh the high APR for financially responsible users, making it a very good choice within its niche. If the APR were more competitive or included an introductory offer, this card would easily achieve an 'Excellent' rating overall.
Pros & Cons
What's great
- No annual fee
- Sign-up bonus
- High rewards rate in popular spending categories
- No foreign transaction fees
- Includes various travel and purchase protection benefits
Things to consider
- High regular APR
- No introductory APR period
- Roadside assistance services incur a fee
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, Audible.com, 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
- Earn rewards on all your purchases with no annual card fee
- 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.
- No foreign transaction fees
- Extended Warranty Protection: 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
- Purchase Protection: Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
- Baggage Delay Insurance: 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 Protection: Zero Liability means you won't be held responsible for unauthorized charges made with your card or account information.
- Travel Accident Insurance: 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
- Lost Luggage Reimbursement: 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.
- Auto Rental Coverage: 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.
- Roadside Assistance: If you have a roadside emergency, call the service provider to dispatch the help you need.
- Travel and Emergency Assistance: Provides legal and medical referrals and access to other travel and emergency assistance services.
- Contactless - Just Tap To Pay
- For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol.
Additional Notes
Amazon Visa credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offer subject to change.