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Amazon Visa Card review: Financing for Amazon shoppers in 2023

Posted on Aug 10, 2023

Updated on Aug 10, 2023

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.

COMPARE CREDIT CARDS FOR AMAZON PURCHASES AND MORE

  • Best Cards
  • Cash Back
  • No Annual Fee
  • Limited/No Credit
Viewing 1 - 2 of 3

our choice

Discover it® Cash Back

Apply for Discover it® Cash Back - Credit-Land.com
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on Discover's secure website

Rating 5.0

Excellent/Good Credit

REWARDS BONUS

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

REWARDS ON ALL PURCHASES

  • 1% unlimited cash back on all other purchases - automatically.

INTRO APR ON PURCHASES

  • 0% Intro APR (15 months)

REGULAR APR

  • 17.24% - 28.24% Variable APR

ANNUAL FEE

Amazon Rewards Visa Signature Card

Amazon Rewards Visa Signature Card
Not
Available
See other offers

Rating 3.0

Excellent / Good Credit

REWARDS BONUS

  • A $100 Amazon Gift Card instantly upon approval with an eligible Prime membership.2

REWARDS ON ALL PURCHASES

  • 1% Back on all other purchases.2

INTRO APR ON PURCHASES

  • No intro APR2

REGULAR APR

  • 19.49% - 27.49%2

ANNUAL FEE

  • None2

Wells Fargo Autograph℠ Card

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Rating 4.7

Excellent/Good Credit

REWARDS BONUS

  • Limited time offer: Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value.

REWARDS ON ALL PURCHASES

  • Earn 1X points on other purchases.

INTRO APR ON PURCHASES

  • 0% intro APR for 12 months from account opening

REGULAR APR

  • 20.24%, 25.24%, or 29.99% Variable APR

ANNUAL FEE

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our choice

Wells Fargo Active Cash® Card

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Rating 5.0

Excellent/Good Credit

REWARDS BONUS

  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

REWARDS

  • Earn unlimited 2% cash rewards on purchases.

ANNUAL FEE

Discover it® Cash Back

Apply for Discover it® Cash Back - Credit-Land.com
APPLY NOW
on Discover's secure website

Rating 5.0

Excellent/Good Credit

REWARDS BONUS

  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

REWARDS

  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.

ANNUAL FEE

Citi Custom Cash® Card

Apply for Citi Custom Cash® Card - Credit-Land.com
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on Citi's secure website

Rating 5.0

Excellent, Good, Fair Credit

REWARDS BONUS

  • Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.

REWARDS

  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.

ANNUAL FEE

Viewing 1 - 2 of 3

our choice

Discover it® Miles

Apply for Discover it® Miles - Credit-Land.com
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on Discover's secure website

Rating 5.0

Excellent/Good Credit

INTRO APR ON PURCHASES

  • 0% Intro APR (15 months)

REGULAR APR

  • 17.24% - 28.24% Variable APR

KEY FEATURE

  • UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

ANNUAL FEE

Citi Rewards+® Card

Apply for Citi Rewards+® Card - Credit-Land.com
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on Citi's secure website

Rating 5.0

Excellent, Good Credit

INTRO APR ON PURCHASES

  • 0% (15 months)

REGULAR APR

  • 18.74% - 28.74% (Variable)

KEY FEATURE

  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com

ANNUAL FEE

Citi Custom Cash® Card

Apply for Citi Custom Cash® Card - Credit-Land.com
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on Citi's secure website

Rating 5.0

Excellent, Good, Fair Credit

INTRO APR ON PURCHASES

  • 0% (15 months)

REGULAR APR

  • 19.24% - 29.24% (Variable)

KEY FEATURE

  • Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.

ANNUAL FEE

Viewing 1 - 2 of 3

our choice

Chime Secured Credit Builder Visa® Credit Card

Apply for Chime Secured Credit Builder Visa® Credit Card - Credit-Land.com
APPLY NOW

Rating 4.1

Fair/Bad/No Credit

REGULAR APR

  • 0%

KEY FEATURE

  • Chime® Checking Account and $200 qualifying direct deposit required to apply. Eligibility requirements apply for Credit Builder metal card

ANNUAL FEE

  • $0

BUILD CREDIT

  • Yes

Discover Cashback Debit Account

Apply for Discover Cashback Debit Account - Credit-Land.com
APPLY NOW

Rating 4.9

Any Credit

ACTIVATION FEE

  • $0

KEY FEATURE

  • 1% Cash back on Debit Card purchases with qualifying activity. See website for details

MAINTENANCE FEE

  • $0

MEMBER FDIC

  • Yes

Experian CreditMatch

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Rating 4.1

Any Credit

REGULAR APR

  • See terms

KEY FEATURE

  • Get Personalized Credit Card Offers Based on Your Credit File from Experian®. 100% Free!

ANNUAL FEE

  • See terms

BUILD CREDIT

  • Yes
Viewing 1 - 2 of 3

our choice

Discover it® Cash Back

Apply for Discover it® Cash Back - Credit-Land.com
APPLY NOW
on Discover's secure website

Rating 5.0

Excellent/Good Credit

Amazon Rewards Visa Signature Card

Amazon Rewards Visa Signature Card
Not
Available
See other offers

Rating 3.0

Excellent / Good Credit

Our Conclusion:

Apply for Discover it® Cash Back - Credit-Land.com

our choice

APPLY NOW
PROS
  • 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate.
  • Unlimited 1% cash back on all other purchases - automatically.
  • Unlimited Cashback Match - only from Discover.
  • 0% intro APR for 15 months on purchases (then the standard purchase APR applies).
  • No annual fee.
CONS
  • Bonus category activation is required.
Amazon Rewards Visa Signature Card

For Amazon Fans Only

PROS
  • Earn 3% back at Amazon.com, Whole Foods Market, Amazon Fresh, and on Chase Travel
  • Earn 2% back at restaurants, gas stations, and local transit & commuting, including rideshare
  • Earn 1% back on all other purchases
CONS
  • Pricey Prime membership is required to get 5% back
  • You need to choose from rewards OR 0% promo APR

How to Choose the Best Credit Card for Amazon Shopping

Before you sign up for a card to use on Amazon, consider how often you shop with the retailer. If you want to squeeze out everything from your purchases without losing a penny, you'll need to have an Amazon Prime membership. Amazon offers the best deals to Amazon Prime members and Amazon Prime cardholders. But the membership costs ($139 per year) might be more than what most rewards credit cards charge each year.

If you don't want to splash out on the pricey Prime membership, the co-branded Amazon cards won't have that much value. Consider applying for a regular rewards credit card instead of getting an Amazon card and paying for Prime to get a higher cash-back rate. The right general rewards card will allow you to receive solid rebates on Amazon purchases and everything else.

Some credit cards offer a fixed rewards rate for all purchases, while others offer a boosted reward rate for select categories, which can specifically include online shopping and/or other areas where you typically spend the most. If you only shop at Amazon or Whole Foods occasionally, it makes sense to get a card that gives you the same great rate on all your spending.

If you're looking to finance a big online purchase, it might be worth considering options with 0% intro APR on purchases, which can give you some time to pay off your debt interest-free. The introductory offer for the Amazon Visa card as well as the Prime Visa has one catch. You can't get both rewards and the 0% purchase rate offer. Cardholders can only waive rewards in favor of a 0% promo period on purchases for up to 12 months. However, general rewards credit cards can offer an interest-free period on all purchases, the ability to earn bonus points, miles, or cash back, and a $0 annual fee all at once.

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I've found that Amazon Prime offers cash back on purchases but I don't want to become Amazon Prime member. Are there any similar offers?

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Is Amazon Prime Visa credit card worth applying? Can you recommend another credit card?

Amazon Prime credit cards is a good choice for customers with an eligible Prime membership - it offers 5% cash back on Amazon purchases. Don't forget that Prime membership costs $99. If you are not an eligible Prime...

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