Amazon Visa

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Amazon Visa
4.8

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.49% - 28.24% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn 3% cashback at Amazon.com, Amazon Fresh, Whole Foods Market, Audible, and on Chase Travel purchases. Earn 2% cashback at restaurants, gas stations, on local transit and commuting. Earn 1% cashback on all other purchases.

1% - 3% Cashback

Welcome Offer Earn a $50 Amazon gift card instantly upon approval.

$50 Amazon Gift Card

Welcome Offer

Earn a $50 Amazon gift card instantly upon approval.


Rewards

  • 3% Cashback:
    • Amazon.com
    • Amazon Fresh
    • Whole Foods Market
    • Audible
    • Chase Travel purchases
  • 2% Cashback:
    • Restaurants
    • Gas stations
    • Local transit and commuting
  • 1% Cashback on all other purchases.

Redemption Options

  • Redeem points for cashback, gift cards, travel, or purchases at Amazon.com.
  • Daily Rewards Redemption: Use your points as soon as the next day, no waiting required.

Fees and APR

  • Annual Fee: $0.
  • Regular APR: 19.49% - 28.24% Variable APR.
  • Balance Transfer Fees: $5 or 4% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Travel Benefits

  • Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is secondary in the U.S. to your personal insurance.
  • Roadside Assistance: In the event of a roadside emergency, call for dispatch service anytime. Any applicable service fees will be charged to your card at the time of assistance.
  • Baggage Delay Insurance: Get reimbursed up to $100 per day for up to 3 days for essential purchases if your baggage is delayed more than 6 hours.
  • Travel Accident Insurance: Receive up to $500,000 in coverage for accidental death or dismemberment when you pay for air, bus, train, or cruise travel with your card.
  • Lost Luggage Reimbursement: Get up to $3,000 per covered traveler to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip.
  • Travel & Emergency Assistance: Get access to legal, medical, and other emergency assistance services while traveling. (You are responsible for the cost of any goods or services obtained.)

Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Exclusive Offers

  • Chase Offers: Activate personalized deals from popular merchants and earn automatic cash back when you use your eligible Chase card.

Additional Features

  • Authorized Users: Add authorized users at no cost to maximize your earning potential.
  • Interest-Free Monthly Payments: Pay over time with equal monthly payments on purchases of $50 or more at Amazon.com or eligible Amazon Pay retailers. No interest, just split payments at checkout. (Note: These purchases do not earn % back rewards.)
  • Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
  • 24/7 Fraud Monitoring: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.
  • Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
  • Digital Wallet Compatible: Easily add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments in-store, in-app, and online.
  • 24/7 Customer Service.
  • Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.
  • Chase Credit Journey®: A free tool that helps you monitor your credit score, receive alerts, and get personalized tips to improve your credit health.
  • Embedded Chip Technology: Provides enhanced security and greater acceptance at chip-enabled terminals in the U.S. and internationally.

Terms and Conditions

Click Apply Now to see the terms and conditions.

If you’re a regular Amazon or Whole Foods shopper but don’t have a Prime membership, the Amazon Visa Card could be a great fit. It offers 3% cashback at Amazon.com and Whole Foods Market, 2% at restaurants, gas stations, and on local transit and commuting, and 1% on all other purchases. There’s no annual fee or foreign transaction fees, and new cardholders receive a $50 Amazon gift card instantly upon approval. The card also includes helpful travel benefits, extended warranty protection, and purchase coverage for damage or theft, making it a solid choice for frequent shoppers who also value added protections while traveling.