Chase
Prime Visa
Key Features
| Annual Fee | $0.00 |
| Regular APR | 18.74%–27.49% variable APR |
| Network | Visa |
About this card
The Prime Visa earns an overall rating of 4.1 out of 5.0. This card has a excellent rewards program, especially for Amazon Prime members, with 5% back on Amazon and Whole Foods purchases. The lack of an annual fee and no foreign transaction fees are also strong benefits. The reputation analysis confirms the card is well-regarded, especially amongst Prime members. However, the high APR range is a drawback, especially for those who may carry a balance, or who are not able to pay off the card each month. The need for a Prime membership to maximize the rewards is also a limitation. Strengths: Generous rewards for Amazon/Whole Foods shoppers, no annual fee, no foreign transaction fees, solid sign-up bonus, strong reputation. Weaknesses: High APR, requires Prime membership for full benefits.
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- Cashback on purchases
- No foreign transaction fees
Things to consider
- High regular APR
- Requires Prime membership
- Limited rewards categories
What this card offers
Sign-up bonuses
- Prime members, get a $150 Amazon Gift Card instantly loaded into your Amazon account's Gift Card Balance on approval of your credit card application.
Rewards
- Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases 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.
- Eligible Prime cardmembers earn 10% back or more on a rotating selection of items and categories on Amazon.com. Limited-time offers.
Other features
- Redeem as soon as the next day. Daily rewards post as soon as the next day, so you can redeem for millions of items at Amazon and Whole Foods Market for cash back, gift cards, or travel at Chase.com.
- Redeem for millions of items at Amazon.com. 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. You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
- 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.
- Contactless - Just Tap to Pay. 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
Specific limitations apply to New York residents: Lost Luggage Reimbursement - additionally limited to $2,000 per bag and $10,000 for all Covered Travelers per Trip. Purchase Protection - coverage period is 90 days from the date of purchase.