Prime Visa

• No more waiting — redeem daily rewards at Amazon.com as soon as the next day
• Auto rental coverage, baggage delay insurance, extended warranty protection, lost luggage reimbursement, roadside assistance, travel accident insurance, travel and emergency assistance, and purchase protection

[.dontreco] We don’t recommend: Using Equal Monthly Payments if you can pay in full [.dontreco]‍

The 0% promo APR on qualifying Amazon or Amazon Pay purchases is useful when cash flow matters to you, but it earns no rewards. If you can pay in full, skip Equal Pay and take the 5% to 6% back instead.‍

[.sometimesreco] We sometimes recommend: “Shop with Points” at checkout [.sometimesreco]‍

Using points at Amazon checkout is super convenient at one cent per point. That said, paying cash and redeeming for statement credit can be easier sometimes, and you’ll still net one cent per point and keep your cart grounded in “real dollars.”‍

[.alwaysreco] We always recommend: Leaning hard into 5% (and 6%) [.alwaysreco]

Route all Amazon/Whole Foods/Audible buys here with Prime, and use Amazon Day Delivery for eligible orders you already planned to place. For travel you’re comfortable prepaying, book via Chase Travel to snag that 5% cash back.

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Other ways to maximize this card:

• Check Prime Card Bonus before big buys (seasonal sales, electronics).
• Mind the codes: gas must be gas stations; dining must code as restaurants; delivery from marketplace apps may not.
• Stack with coupons and offers: clip Amazon coupons, watch Lightning Deals, and activate Chase Offers for extra statement credits.
• Add trusted authorized users for more household earn (but remember… you’re responsible for their charges).

1. The Amazon-Obsessed‍

You’re placing regular Amazon orders and doing weekly Whole Foods runs. 5% back with Prime is a very real annual rebate on the stuff you were buying anyway — oh and no rotating categories or annual fee (yay!).
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2. Fast Redeemers and Deal Stackers‍

You want points you can use tomorrow, not in three months. Daily posting and checkout redemption will give you instant gratification here. Add Prime Card Bonus (10% or more on select items) and you’ve got a simple way to earn more on planned purchases.
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3. Casual Travelers Who Prepay‍

If you’re comfortable booking prepaid flights, hotels, cars, etc., through Chase Travel, that 5% back is excellent for a no-fee card. And, if you're looking at more complex itineraries or trips needing stronger insurance, pair it with a Sapphire card.

If you don’t have Prime (or don’t want it), your Amazon, Whole Foods, and Chase Travel rate is 3%, which still good, but you may be happier with a broad 2% to 2.5% cash-back card that earns across all spend without any membership. If you want transferable points and premium travel value (airline/hotel partners, luxury trip protections), this isn’t that card, so I'd look at other ecosystems (or transferable Chase cards). If you expect to lean on Equal Monthly Payments often, know you’re giving up rewards entirely. That trade makes sense sometimes, so just be intentional.

The recommended credit score for the Prime Visa is good to excellent. But again, if you’re in a solid place with your credit and feel you are ready for a new card, don’t let the fear of being rejected keep you from applying. We’ve known several people to be rejected on their first application, call Chase to please their case, and be granted this card.