Chase Amazon Card | Benefits & Amazon Points Calculator

Chase Amazon Credit Card

Card Review & Amazon Points Calculator
3% Amazon
3% Whole Foods Market
2% Restaurant
2% Gas Station
2% Drugstore

Review the benefits of the Chase Amazon Credit Cards, calculate how many Amazon Points you can earn based on your spend, and compare the results.

The Chase Amazon Credit Card is one of several Amazon credit cards. It's great for anyone that wants to earn a good return on Amazon purchases, but do not have an Amazon Prime Membership. It provides several bonus categories, standard Chase benefits, and has no annual fee. If you do have Amazon Prime, you will want to slide over to the Chase Amazon Prime Credit Card which has a higher return for Prime Members.

Bonus Categories

The Chase Amazon Card features five bonus categories that earn additional cash back. The categories are Amazon, Whole Foods Market, restaurant, gas station, and department store purchases. There is no limit to the amount of cash back you can earn spending in these categories.

Amazon Credit Cards earn Amazon Points which is basically just cash back since Amazon Points are worth 1 cent each. So 3x Amazon Points is equal to 3% cash back.

3% Amazon

The Chase Amazon Card earns 3% cash back per $1 spent on Amazon purchases. This includes digital downloads, Gift Cards, Amazon Fresh orders, Amazon Prime subscriptions, and items sold by third-party merchants through’s marketplace. This is a decent return on Amazon purchases that can be beat by having a Prime membership and earning 5% with the Amazon Prime version of this card. It can also be beat by the occasional rotating categories of the DiscoverIT Card which usually features 5% cash back on Amazon Purchases on at least one quarter.

3% Whole Foods Market

Shopping at Whole Foods Market with the Chase Amazon Card will earn 3% cash back per $1 spent. This includes physical Whole Foods Market and Whole Foods Market 365 stores, and the website accessible at Earning 3% on Whole Foods Market is not bad. This market is coded as grocery/supermarket for most cards, so an equal rate of 3% can be obtained with the Blue Cash Everyday or if you spend closer to $500 a month, the Blue Cash Preferred. You can also use the Everyday Preferred Card which earns up to 4.5x Membership Reward Points which are easily worth 1 cent each.

2% Restaurant

Dining out with the Chase Amazon Card will earn 2% cash back per $1 spent. This will include merchants whose primary business is sit-down or eat-in dining, including fast food restaurants as well as fine dining establishments. If you thirst for Amazon Points, this isn't a bad place to put your spend, but you can get a better return on many other cards. Some good cash back cards for restaurants include the Capital One SavorOne Card (3% cash back), Barclay Uber Card (4% cash back), and PNC Cash Rewards Card.

2% Gas Station

Gas station purchases with the Chase Amazon Card will earn 2% cash back per $1 spent. This is defined as merchants that specialize in the selling of automotive gasoline such as Exxon, BP, Speedway, and Hess. A return of 2% is not very high when it comes to gas purchases. Spending in the gas station category can be put on cards such as the Bank of America Cash Rewards Card (3% cash back) and PNC Cash Rewards Card (4% cash back).

2% Drugstore

Chase Amazon Card holders will earn 2% cash back per dollar when they use the card at drugstores. This will include places that specialize in selling prescription drugs and over-the-counter medicines, supplements and various health-related items. Walgreen's, Rite-Aid, and CVS are a few examples of drugstores. This is not a common category, so being able to earn an easy return of 2% is not bad at all.

1x Non-Category

Any purchases on the Amazon Card outside of the categories listed above will only earn 1% cash back per $1 spent. Non-category spend is best done on a card that earns you at least a 1.5% return such as a 1.5% cash back card like the Chase Freedom Card.

Perks and Benefits

Standard Chase Benefits

The Chase Amazon Credit Card benefits are the standard Chase benefits 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 Card comes with a $70 gift card upon approval. This gift card will be attached to the account. This is a nice bonus for merely being approved for the card.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

There is no annual fee for the Chase Amazon Credit Card. Amazon Prime is not required to hold this version of the card.

Authorized User Fee

There is no authorized users fee for the Chase Amazon Credit Card.

Foreign Transaction Fee

There is no foreign transaction fee for using the Chase Amazon Credit Card outside of the United States.

and Card Value Calculator

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.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
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Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of this card (if applicable).
Annual Fee:
Auth Fee:
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

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Page Last Updated: 2020-02-26
Article By: Robert Flowers III

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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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