If you're an online shopping fan, there is a good chance you shop on Amazon at least occasionally. Amazon has something for everyone and a little more, from must-have home gadgets to chic fashion picks. To make shopping easy and convenient, Amazon offers a credit card for all types of credit. If you really want to get the most out of your Amazon purchases, the Amazon Visa card is the way to go. However, there are a few "buts."
Why we like the Amazon Visa card
The Amazon Visa card earns 3% back at Amazon.com and Whole Foods Market, 2% back at restaurants, gas stations, and local transit and commuting, including rideshare, and 1% back on everything else. That is a good and constant return on Amazon purchases.
Earned rewards are easy to redeem at Amazon checkout or Amazon.com. You can also choose to redeem rewards for cash back, gift cards or travel at Chase.com.
Additionally, you get various benefits with the Amazon Visa card, including travel accident insurance, baggage delay insurance, purchase protection, extended warranty protection, and zero liability protection.
Why we don't like the Amazon Visa card
While the card earnings are good, they are not great. You could get a higher return on Amazon purchases with the Amazon Prime Visa card - 5% back at Amazon.com, Whole Foods Market, Amazon Fresh.
Additionally, you can get higher earning rates at gas stations, restaurants, commuting and general purchases with other cards. For example, with the Citi Premier card you could earn 3x points at gas stations and restaurants or you could earn 2% back on all purchases with the Wells Fargo Active Cash Card.
The Amazon Visa works best for those who do not want to pay for Prime membership but still what to receive some benefits and perks that come with the card.
IS AMAZON VISA CARD WORTH IT?
- Sign-up bonus: Amazon Gift Card instantly upon approval.
- Annual fee: No annual fee.
- Key feature: Cardmembers can choose 3% back or 0% promo APR for 6-12 months on purchases of $50 or more.
The Amazon Visa is a rewards credit card for non-prime consumers that earns 3% back in multiple categories, including Amazon and Whole Foods purchases. If you are a frequent Whole Foods shopper and an Amazon Prime member (a Prime membership is $14.99 per month, or $139 per year), you'll receive the Prime Visa and the elevated rewards that come with it. The Amazon Rewards Visa Signature Card is nearly identical to its Prime sibling, except you only reap a 3% rebate on all items purchased on Amazon.com and at Whole Foods.