Chase Amazon Prime Credit Card
If you currently have Amazon Prime or you've been considering grabbing up Amazon Prime, the Amazon Prime Credit Card will be the card you will want in your wallet. It earns a very generous 5% cash back on Amazon purchases. In addition to Amazon, it also earns 5% back on Whole Foods Market along with 2% back on other everyday categories such as restaurants and gas stations. If you're not looking to get Prime but still want to earn cash back on Amazon, Whole Foods Stores, and other categories, you can get the Non-Prime Version of the card.
The Amazon Prime Credit Card features five bonus categories which are Amazon purchases, Whole Foods Market, restaurant, gas station, and drugstores. There is no limit to the amount of cash back you can earn using this card. This card is different from the Amazon Store Card, which also requires Amazon Prime and earns 5% cash back on Amazon purchases. The store card can only be used on Amazon.com while this card is a Visa Signature Card and can be used anywhere Visa is accepted.
The Amazon Prime Credit Card earns 5% cash back on Amazon. This includes digital downloads, Amazon.com Gift Cards, Amazon Fresh orders, Amazon Prime subscriptions, and items sold by third-party merchants through Amazon.com’s marketplace. This is one of the best returns you can get on Amazon.com purchases. The only other card that occasionally makes just as much is the Discover IT Card which has rotating 5% categories and usually offers Amazon as it's quarterly category at least once a year.
5% Whole Foods Market
Using the Amazon Prime Credit Card at Whole Foods Market will earn you 5% cash back per $1 spent. This includes physical Whole Foods Market and Whole Foods Market 365 stores, and the website accessible at www.wholefoodsmarket.com. This can be slightly beat by the Blue Cash Preferred Card which earns 6% cash back on up to $6,000 per year then 1% cash once that limit is hit for the remainder of the year.
You will earn 2% cash back on restaurant purchases with the Amazon Prime Credit Card. This will include merchants whose primary business is sit-down or eat-in dining, including fast food restaurants as well as fine dining establishments. Unless you're primarily focusing on earning Amazon points, I would put the spend on a card that offers a higher return such as the Barclay Uber Card (4% cash back) and PNC Cash Rewards Card (3% cash back).
2% Gas Station
2% cash back can be earned at gas stations when using the Amazon Prime Credit Card. This is defined as merchants that specialize in the selling of automotive gasoline such as Exxon, BP, Speedway, and Hess. Earning 2% back on gas can be improved upon using the PNC Cash Rewards Card or the Bank of America Cash Rewards.
Spending at Drugstores with the Amazon Prime Credit Card will earn you 2% cash back per $1 spent. This will apply to places such as Rite Aid, Walgreen's, and CVS. This is not a common category in the credit card world, so if you're looking to earn rewards, the Amazon Prime Credit Card can get you a decent return in this category.
Any spending on the Amazon Prime Credit Card outside of the categories listed above will earn you a sad 1% cash back per $1 spent. This spend is better placed on a 1.5% return card such as the Capital One Quicksilver or Bank of America Travel Rewards Card.
Perks and Benefits
Standard Chase Perks
The Amazon Prime Credit Card comes with the standard Chase credit card perks such as travel and emergency assistance, lost luggage reimbursement, baggage delay insurance, and travel accident insurance, auto rental collision damage waiver and more. It also comes with Visa Signature benefits as well.
Sign Up Bonus
The Amazon Prime Credit Card comes with a $70 Amazon.com gift card upon approval. This gift card will be attached to the Amazon.com account.
Credit Card Fees
|Authorized User Fee|
|Foreign Transaction Fee|
The annual fee for the Chase Amazon Prime Credit Card is . If you're already an avid Prime user, this card will basically feel like it has no annual fee (you can un-check the fee if that's the case). I wouldn't get the card strictly for Amazon purchases since the store card can do just as good, but if you make use of the other categories along with Amazon Prime, then it's more than likely worth grabbing up.
Authorized User Fee
There is no fee associated with adding an authorized user to the Amazon Prime Card.
Foreign Transaction Fee
The Amazon Prime Card does not have a foreign transaction fee meaning you can use this card overseas without worrying about being penalized.
You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.
All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.
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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.
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