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The Prime Visa and Amazon Visa are the two primary Amazon credit card options.
Previously known as the Amazon Prime Rewards Visa Signature Card, the Prime Visa was recently rebranded but continues to offer exceptional rewards to Prime members. Both cards are issued by Chase and provide cashback rewards designed for frequent Amazon and Whole Foods shoppers.
The primary difference between the two cards is that the Prime Visa offers higher rewards for Amazon Prime members, while the Amazon Visa has a simpler rewards structure suitable for non-members.
In this review, we’ll explore the features, benefits, and potential downsides of each card, compare them against each other, and evaluate their performance against other popular credit cards.
The Prime Visa stands out due to its 5% cash back on Amazon and Whole Foods, making it ideal for Prime members who shop frequently at these stores. Meanwhile, the Amazon Visa offers 3% cash back on the same purchases without requiring a Prime membership, making it a good choice for occasional Amazon shoppers.
While both cards have similar features like no annual fee (excluding Prime membership costs) and no foreign transaction fees, the Prime Visa’s additional travel and purchase protections make it slightly more attractive for cardholders who want added security when traveling or shopping. On the other hand, the Amazon Visa’s simplicity may appeal to those who want a straightforward cashback card without any membership requirements.
Read our review of the Citi Double Cash card here.
Read our review of the SavorOne Cash Rewards card here.
This card is an excellent choice for Prime members who frequently shop at Amazon and Whole Foods. The 5% cash back adds significant value, especially for families or individuals who make large or regular purchases on these platforms. It also offers worthwhile travel and purchase protections, which are a plus for travelers.
The Amazon Visa suits non-Prime members or those who shop at Amazon and Whole Foods occasionally. With 3% cash back in those categories and no membership requirement, it’s an appealing card for someone who wants rewards without the added cost of a Prime subscription.
Both the Prime Visa and Amazon Visa provide valuable rewards for Amazon shoppers, but their suitability largely depends on whether you are an Amazon Prime member. The Prime Visa’s 5% cash back and additional protections make it a strong contender for frequent Amazon and Whole Foods customers. Meanwhile, the Amazon Visa’s 3% cash back and no annual fee or membership requirement offer a simpler yet effective option for non-members.
For those who prioritize Amazon purchases and already have a Prime membership, the Prime Visa is the clear winner. However, if you prefer a no-fuss cashback card without needing a subscription, the Amazon Visa provides a worthwhile alternative. Both cards have specific strengths, so consider your shopping habits and preferences to make the best choice.
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Editorial note: The views expressed in this article are solely those of the author and do not reflect the opinions of any bank, credit card company, airline, or hotel chain. None of these organizations have reviewed, approved, or endorsed the content in any way.
Legal and Financial Advice Disclosure: Credit Mileage is not a law firm, and this article is not intended to provide legal or financial advice. This information is meant purely for educational purposes. We strive to offer accurate and up-to-date information, but it is not a substitute for professional financial or legal advice. Always consult with a qualified attorney or financial advisor before making any decisions regarding your financial situation.
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