Chase Amazon Credit Card
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.
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.
The Chase Amazon Card earns 3% cash back per $1 spent on Amazon purchases. 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 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 www.wholefoodsmarket.com. 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.
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).
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.
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 Amazon.com gift card upon approval. This gift card will be attached to the Amazon.com account. This is a nice bonus for merely being approved for the card.
Credit Card Fees
|Authorized User Fee|
|Foreign Transaction 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.
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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