Amazon Rewards Visa®: Everyday Cash Back for Prime Shoppers
Earn rich rewards at Amazon and Whole Foods, pick up value in everyday categories, and keep every dollar of cash back thanks to a $0 annual fee.
Prime members earn 5% back instantly, while non-Prime cardholders still grab strong 3% returns, making this a go-to wallet staple for repeat Amazon shoppers.
Quick snapshot
- Prime members earn 5% back at Amazon and Whole Foods (3% without Prime)
- 2% back at restaurants, gas stations, and drugstores
- 1% back on everything else, no rotating categories
- No annual fee and no foreign transaction fees
Maximize Amazon and Whole Foods Spending
Prime members get 5% back on every Amazon.com and Whole Foods transaction; non-Prime customers still collect 3%. Apply rewards at checkout, grab them as statement credits, or bank them for Prime Day splurges.
Hit Everyday Essentials with 2% Back
Pick up 2% cash back at restaurants, gas stations, and drugstores—common spend categories that keep rewards flowing even when you step away from Amazon’s ecosystem.
Flat 1% Everywhere Else, No Annual Fee
Every other purchase earns 1% cash back without the hassle of rotating categories or activation windows. Because the card has no annual fee, every reward dollar stays in your pocket.
Stack Perks When You Travel
Pay abroad without foreign transaction fees, and use Visa travel protections for rental cars and trip interruptions—an easy win for Prime members booking vacations with Amazon Travel or partners.
Important Disclosure
Representative Example: Spending $1,200 per month—$600 at Amazon/Whole Foods, $300 across 2% categories, and $300 elsewhere—as a Prime member yields roughly $45 in monthly rewards ($540 annually). Keep balances paid to avoid the variable 19.49%–27.49% APR erasing gains.
Risk Warning: Carrying a balance or missing payments can wipe out rewards with interest and fees. Confirm current rates, bonuses, and Prime eligibility directly with Amazon and Chase before applying.