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Offer statusThis offer is unavailable on The Ascent. The information related to Amazon Rewards Visa Signature Card has been collected by The Ascent and has not been reviewed or provided by the issuer. Amazon is known for offering just about everything, and the Amazon Rewards Visa Signature Card is more proof of that. It's the rewards credit card for consumers who want more back on their Amazon purchases and who haven't signed up for Amazon Prime. If you're not a Prime member but you do spend a lot at Amazon or Whole Foods, where you'll earn an 3% back, this could be the credit card for you. We'll go over its solid list of features and much more in our Amazon Rewards Visa Signature Card review. Great for: Amazon and Whole Foods cash back Rating image, 4.00 out of 5 stars. Credit Score: Intro APR Purchases: N/A Balance Transfers: N/A Regular APR 15.74% - 23.74%, variable Rewards Info IconCircle with letter I in it. 3% back on Amazon and Whole Foods purchases, 2% back at restaurants, gas, and drugstores, 1% back on other purchases 1% - 3% back Welcome Offer $50 Amazon gift card
This credit card is a good fit for: Occasional Amazon shoppers who want to earn more back on those purchases without paying for an Amazon Prime membership. Those who have Amazon Prime can get a more rewarding version of this card. Top perksUp to 3% back: This card earns 3% back on Amazon and Whole Foods purchases, 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases. You can redeem your rewards for Amazon purchases or cash back. $50 bonus gift card: Upon approval for the Amazon Rewards Visa Signature Card, you'll receive a $50 Amazon gift card. While this doesn't come close to the biggest sign-up bonuses, it's more than what most store credit cards offer. No annual fee: You don't need to pay an annual fee or be a member of Amazon Prime to get this card, so it's a good choice if you want to earn extra rewards without spending any more money. No foreign transaction fee: Many credit cards charge a 3% foreign transaction fee, but the Amazon Rewards Visa Signature Card doesn't. Consumer and travel protections: For a no annual fee card, the Amazon Rewards Visa Signature Card offers quite a few useful extras. Consumer protections include auto rental insurance, purchase protection, and extended warranty coverage. Travel protections include lost luggage reimbursement, baggage delay insurance, and travel accident insurance.
Read more: Best Visa Credit Cards As of Oct. 10, 2022
The information related to Amazon Prime Rewards Visa Signature Card has been collected by The Ascent and has not been reviewed or provided by the issuer. What could be improvedNo 0% intro APR offer: This isn't a card you want to use for paying off purchases over time or consolidating your credit card debt. Unlike many cash back cards, it doesn't have a 0% intro APR on either purchases or balance transfers. Read more: Best Credit Cards for Amazon Find the best credit card for your needsCompare credit card rewards, fees, APRs, and more using our side-by-side comparison tool. Amazon Rewards Visa Card credit scoreYou have a solid chance of a successful application for the Amazon Rewards Visa Signature Card if your credit score is in the fair-to-good range, and the suggested FICO® Score to apply is 670 or above. It's possible to get approved with a lower score, but it makes more sense to work on your credit first and give yourself a better shot. Note that because Chase is the card issuer on the Amazon Rewards Visa Signature Card, Chase's 5/24 rule could lead to a declined application for consumers who have opened too many credit cards in the past two years. This credit card is right for you if:Truth be told, the Amazon Rewards Visa Signature Card serves a small niche. It's great for consumers who want to earn more at Amazon, Whole Foods, and this card's other bonus categories, but who don’t want to pay for an Amazon Prime membership. On the other hand, if you're one of the many people who already have an Amazon Prime membership, you'll qualify for the Amazon Prime Rewards Visa Signature Card, which is a better card overall. FAQs
What credit score is needed for Amazon Prime Visa card?For the Prime Rewards Visa Signature Card, you'll likely need a good credit score (670 or above) to qualify.
Does Amazon Prime card do a hard credit check?Yes, the Amazon Store Card will do a hard pull, also known as a hard inquiry, which may cause your credit score to temporarily go down a few points. You will need a credit score of at least 640 to get it, which is on par with what most store cards require.
Who issues the Amazon Prime Rewards Visa Signature Card?Amazon Prime Rewards Visa Signature Card is issued by Chase. Because of that, you might not be approved if you have opened five or more credit card accounts from all issuers in the past 24 months. Does the Amazon Prime Rewards card come with a high interest rate?
Does applying for Amazon Prime store card hurt your credit?Yes, applying for an Amazon card does hurt your credit score by a small amount. When you apply for either the Amazon.com Credit Card or the Amazon.com Store Card, you must authorize a hard pull of your credit, which will temporarily drop your credit score by 5 to 10 points.
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