Por: Minecred
Earn 3% back on eligible purchases at Amazon.com, Audible.com, Whole Foods Market and through Chase Travel.
Eligible purchases at gas stations, restaurants and local transit or commuting can earn 2% back.
The Amazon Visa currently has a $0 annual fee, although interest and other account charges may still apply.
The card currently has no foreign transaction fee, which can make it more practical when making purchases outside the United States.
The Amazon Visa is a rewards credit card issued by JPMorgan Chase Bank and designed primarily for consumers who regularly shop within the Amazon ecosystem. It is important to distinguish this card from the Prime Visa. The Amazon Visa does not require an eligible Prime membership to earn its standard rewards, while the Prime version has a different rewards structure for qualifying Prime members.
How the rewards work
The card currently earns 3% back on eligible purchases at Amazon.com, Audible.com, Whole Foods Market and through Chase Travel. Cardholders also earn 2% back at gas stations, restaurants, local transit and commuting, including eligible rideshare purchases. Purchases that do not fall into these categories generally earn 1% back.
This structure can make the Amazon Visa particularly useful for someone who spends regularly at Amazon but does not want a card with an annual fee. Consumers who spend more heavily outside Amazon should still compare the effective rewards they would receive with general-purpose cash-back cards before choosing.
Annual fee, APR and international purchases
The Amazon Visa currently has no annual credit card fee. The purchase APR is variable and depends on the applicant’s creditworthiness, so carrying a balance can result in interest charges that are significantly greater than the value of the rewards earned from purchases.
Another feature worth considering is that the card currently does not charge a foreign transaction fee. This can be relevant to cardholders who travel internationally or make qualifying purchases from merchants outside the United States. Currency conversion and merchant-specific charges may still apply.
Welcome offer and reward redemption
Chase currently advertises an Amazon Gift Card for eligible new cardmembers upon approval. Promotional offers can change, so the amount shown by the issuer at the time of application should always be considered the authoritative offer.
Rewards can be used for eligible purchases at Amazon.com and may also be redeemed through available Chase redemption options, including cash back, gift cards and travel. Redemption values can vary depending on the option selected. Points generally remain available while the card account remains open and in good standing, subject to the rewards program terms.
Who may benefit from this card?
The Amazon Visa may be worth considering for consumers who frequently shop at Amazon, Whole Foods Market or other eligible Amazon properties and prefer a card without an annual fee. On the other hand, someone whose spending is concentrated in categories outside the card’s higher reward rates may find another cash-back or travel card more suitable.
Approval is not guaranteed and depends on the issuer’s credit review and eligibility requirements. Rates, promotional offers, reward categories and other terms can change. InfoMais is an independent informational publisher and is not the issuer of this card. Always review the current Chase and Amazon terms before submitting an application.
