Amazon Prime Rewards Visa Review (2025): Benefits, Rewards & Value
The ideal card for Amazon Prime members who regularly shop at Amazon.com and Whole Foods Market.
Amazon Prime Rewards Visa Guide
The ideal card for Amazon Prime members who regularly shop at Amazon.com and Whole Foods Market.
ANNUAL FEE
$0 (requires Amazon Prime membership)
WELCOME BONUS
$150 Amazon.com Gift Card upon approval
POINTS VALUE
1¢ per point
TRANSFER PARTNERS
0
In This Guide:
Transfer Partners
| Transfer Partner | Transfer Ratio | Transfer Time | Transfer Bonuses |
|---|
Annual Credits & Benefits
Is the Amazon Prime Rewards Visa Worth the $0 (requires Amazon Prime membership) Annual Fee?
Ideal For:
- Amazon Shoppers
- Whole Foods Shoppers
- Prime Members
Not Ideal For:
- Frequent international travelers (due to foreign transaction fees on most cash back cards)
- Those seeking premium travel benefits like lounge access
- People who prefer transferable points for flexible redemptions
Value Calculation Example
Here's a conservative estimate of annual value for a typical cardholder who uses most, but not all benefits:
| Benefit | Face Value | Realistic Value | Notes |
|---|---|---|---|
| Welcome Bonus | $150 | $150 | First year only |
| 5% cash back at Amazon.com and Whole Foods Market | $100+ | $100 | Estimated value |
| No foreign transaction fees | $100+ | $100 | Estimated value |
| Annual Fee | -$0 (requires Amazon Prime membership) | -$0 (requires Amazon Prime membership) | Yearly cost |
| TOTAL VALUE | Varies | Varies | $1,000+ over annual fee |
This calculation doesn't include the welcome bonus value in the first year, which could add significant additional value. Actual value depends on your specific usage patterns.
How to Earn Points
5% at Amazon.com
Earn 5% cash back on all Amazon.com purchases, including digital downloads, Amazon Fresh, and items shipped and sold by third-party merchants.
5% at Whole Foods Market
Earn 5% cash back at Whole Foods Market stores and on Whole Foods delivery orders through Amazon.com.
2% at Restaurants
Earn 2% cash back at restaurants worldwide, including fast food, fine dining, and food delivery services.
2% at Gas Stations
Earn 2% cash back at gas stations, including convenience store purchases.
2% at Drugstores
Earn 2% cash back at drugstores on prescriptions, health, and beauty purchases.
Sweet Spot Redemptions
| Route/Redemption | Points Required | Transfer Partner | Notes |
|---|---|---|---|
| Amazon.com Purchases | Direct redemption | Amazon | Redeem points at checkout on Amazon.com at a rate of 1 cent per point with no minimum redemption amount. |
| Statement Credits | Direct redemption | Cash back | Redeem points for statement credits at 1 cent per point (minimum 2,000 points/$20). |
| Direct Deposit | Direct redemption | Bank account | Cash out rewards via direct deposit to a linked bank account (minimum 2,000 points/$20). |
| Gift Cards | Direct redemption | Chase Rewards | Redeem for gift cards at 1 cent per point (minimum varies by merchant). |
Advanced Tips & Tricks
Pro Insider Tips
Stack with Amazon Promotions
Watch for Amazon promotions offering discounts when using at least 1 reward point at checkout, then use just 1 point and pay the rest with your card to maximize savings.
Combine with Subscribe & Save
Use your card for Amazon Subscribe & Save orders to earn 5% rewards on top of the 5-15% Subscribe & Save discounts.
Add Authorized Users
Add household members as authorized users to consolidate Amazon spending on one card and maximize the 5% cash back.
Watch for Special Financing Offers
Occasionally, Amazon offers special financing options (0% APR) on large purchases to cardholders, which can be beneficial for major purchases.
Frequently Asked Questions
Do I need Amazon Prime to get the 5% cash back?
Yes, you must maintain an eligible Prime membership to receive the 5% cash back at Amazon.com and Whole Foods Market. If you cancel your Prime membership, your card will be downgraded to the Amazon Rewards Visa Signature Card, which earns 3% back at Amazon and Whole Foods instead of 5%.
What happens if I use my points for Amazon purchases?
When you use points to pay for Amazon purchases, you'll be using the 'Shop with Points' feature at checkout. Each point is worth 1 cent toward your purchase with no minimum redemption amount. However, when you redeem points this way, you won't earn the 5% cash back on the portion of the purchase paid with points.
Does the card have an annual fee?
The card itself has no annual fee, but you must be an Amazon Prime member to qualify for this specific card, which currently costs $139 per year (or $14.99 per month). If you're not a Prime member, you would instead qualify for the Amazon Rewards Visa Signature Card, which has no annual fee but offers 3% back at Amazon and Whole Foods instead of 5%.
What purchase and travel protections does the card offer?
The Amazon Prime Rewards Visa includes extended warranty protection (extends U.S. manufacturers' warranties by an additional year), purchase protection (covers new purchases for 120 days against damage or theft up to $500 per claim), travel accident insurance, lost luggage reimbursement, baggage delay insurance, rental car collision damage waiver, roadside dispatch, and no foreign transaction fees.
Ready to Apply?
The Amazon Prime Rewards Visa offers outstanding cash back rewards that make it a valuable addition to your wallet. The ideal card for Amazon Prime members who regularly shop at Amazon.com and Whole Foods Market.