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Amazon Prime Visa Reviews From 15 Experts



We aggregate expert reviews to help you make better decisions in less time.

Out of 15 experts, 100% would recommend the Amazon Prime Visa with an average score of 8.4/10.

The consensus

Prime members and frequent Amazon or Whole Foods shoppers should take advantage of the high rewards rate with no annual fee. If you are not a Prime member, and looking for a rewards card, consider an alternative. 

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Expert reviews

Robin Ratcliff
Yes“The Amazon Prime Rewards Visa Signature card offers a great 5 percent rate on Amazon and Whole Food purchases, but Prime membership requires a high $119 fee, and Amazon points lack versatility.” Full review
Robin Frankel
Yes“If you’re a big spender at Amazon and/or Whole Foods, no other card can reward you this handsomely or consistently for your loyalty. But be aware of the Prime membership requirement.”
Full review
Credit Karma
Louis DeNicola
Yes“The Amazon Prime Rewards Visa Signature Card could be a great pick for frequent online shoppers.” Full review
Yes“A great credit card for those with Amazon Prime membership.”
Full review
The Ascent
Alli Berry
Yes“The fact that this card includes no annual fee makes it a no-brainer for Amazon Prime members. Simply put, the cash-back rate is among the highest you’ll find for Amazon purchases.”
Full review
See full review list with ratings

Key account information

  • Rewards: 5% at Amazon or Whole Foods; 2% at restaurants, gas stations & drugstores; 1% on all other purchases
  • Annual fee: $0 with Amazon Prime membership
  • Sign up bonus: $70 Gift Card instantly upon credit approval
  • APR: 16.49% to 24.49%
  • No redemption minimum
  • No foreign transaction fees
  • Additional protection benefits via Chase Bank

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Most common pros

  • High 5% rewards rate on Amazon or Whole Foods (15 of 15)
  • No annual fee with Prime Membership (5 of 15)
  • Instant $80 Gift Card sign up bonus (4 of 15)
  • Multiple rewards redemption options (3 of 15)

Most common cons

  • Must have a Prime membership for no annual fees (6 of 15)
  • Potentially high APR (3 of 15)
  • No rewards transfers (3 of 15)

Who is this most frequently recommended for?

  • Prime members
  • Frequent and Whole Foods shoppers


The Prime Visa was recommended across the board, primarily for the high 5% rewards, with an emphasis on those who already have a Prime Membership and shop at Amazon and Whole Foods frequently. 

While it was not commonly recommended for travel rewards, the $0 annual fee with a Prime Membership and 2% cash back at restaurants, gas stations, and drug stores makes it competitive for everyday purchases with any other card. 

Two experts noted you can find higher sign-up bonuses elsewhere, four reminded of the fact that the $70 Gift Card given instantly upon approval and not bad when considering the high 5% rewards and additional benefits. 

The bottom line provided by the majority for revews is that if you are already a Prime Member and spend a decent amount at Amazon and Whole Foods, this card will help you maximize you rewards in addition to its other benefits. 

Disclaimer: Backed by Experts’s recommendations are independently researched, with opinions that are solely those of Backed by Experts’s authors, and have not been reviewed, approved, or endorsed by any of the Experts or Providers included in the recommendation. Please check the Provider’s and Expert’s websites for most up to date information on their offerings and reviews. The information contained in these posts should be used for informational purposes only.