I am thinking of getting the Amazon Prime Visa Signature Card. My credit score is 715 and I already have an Amazon membership. I pay my cards off every month, but I only have 5 years of credit history.

Worries due to the following comments on the Amazon website reviews:

"Predatory interest rate," which I usually ignore bc I never let mine acrue any interest, but this one said that they charged interest beginning the day it was purchased rather than at the end of the period. And that if it wasn't paid in whole the entire amount accrued interest including parts already paid off. Random cancellations after already receiving the card... wish I could post screenshots there were a lot of crazy accusations against chase and I've never banked with them before.

The quick hits from their marketing page are…

• 5% at WF, Prime, and Chase Travel

• 2% at restaurants and transit

• No annual fee

• No international fees.

I wouldn’t carry a balance and would only use this for the rewards. But it’s not got the best (crowdsourced) reviews.

If I already have (+ shop) Amazon Prime and shop at Whole Foods for groceries most of the time, is there a catch in not seeing?

I'm taking a hard look at my spending and I got to thinking about Amazon prime at $140/year. Every time I've looked into the 'worth' of Amazon Prime membership, the frequency and cost of shipping always made it worth it. I've also had the Prime Visa for years now that gives us 5% cash back on all Amazon purchases and when we randomly go into Whole Foods.

But, I'm wondering if the juice is worth the squeeze considering orders over $35 are free 2-day anyway.

If I cancel my $140 membership then my card will be downgraded to a store card that only gets 3% cash back which is still pretty good. Is the thought process of "if you buy $2,800 worth of stuff off of Amazon per year then the membership pays for itself? That's pretty eye opening. This rabbit whole is definitely going to get my wife and me to review all of our Amazon purchases in the last year to see what was actually worth it or not.

TL:DR is Amazon Prime membership + Prime Visa worth it now assuming we don't change our spending patterns?

I’ve been a prime member for a long time, definitely use it often. Right now they’re offering $200 gift card into account as offer. Is this card a no brainer and definitely worth having for an Amazon prime member? Also I do have another Chase credit card already so would I just sing into my chase account to pay the card and I’ll see both my credit cards? Does my other chase cash back card and this cash back card all stack or do I have to transfer the points from Amazon to chase then redeem cash back? Thank you.

I have a Chase card for years but forgot about its benefits. While shopping at Amazon they had a pop-up to remind me to make it the default one.

On the app it says: “Earn unlimited 5% back at Amazon.com, including Amazon Fresh, Prime Video, Kindle Unlimited and Whole Foods Market with an eligible Prime membership”

I use Amazon but I wouldn’t call myself someone who uses it everyday. Am a casual spender and when I buy I spend more than 50 dollars on my orders. I had this before but never used it since I had the card since 1 year ago . I haven’t used the card the moment it came in the mail. Recently I got a new card with 28 BENEFITS and no annual fees? Sounds amazing but am a bit skeptical. Can someone confirm if this card is trustworthy?

I'm a prime member and do fins myself purchasing quite a bit on Amazon. I feel like it's my go-to if I don't go to target, best buy, or Walmart. I'm constantly getting the pre-qualified mailers. Does anyone have their card and how do you like it? Are you happy with the rewards you get back? Also it sounds like you don't get charged interest on anything you buy on Amazon.

Can you do balance transfers to this card?

Hey everyone,

I've been debating what card to get next, and I'm currently a bit torn between the Amazon Prime Visa and the Chase Freedom Unlimited. I'm interested in and leaning towards the Prime Visa since I've been a Prime member for some years now and shop on there at least 1-2 times a month (more than that during the holidays). I feel like I've been leaving a lot of money on the table by not having this card in my wallet, but it sucks that it's cashback only. On the other hand, I've been looking at the Freedom Unlimited since I don't have a catch-all card for everyday spending. I would like to complete the Chase Trifecta since I like their ecosystem (already have the CSP and CFF) and earning points for travel.

I'm now 2/24 after getting approved for Bilt and CFF back in March of this year, and my credit score is 753 (Experian). I tried using Chase's pre-approval tool, and weirdly enough, the CFU didn't show up for me, but nearly every other Chase card did, so I'm a little concerned about my chances of approval for it if I were to go down that road. The goal is to have both of these cards in my wallet at some point, but I would love to know which of these two you think I'm better off getting next. Thanks in advance!

got the email earlier to activate.

"Activate your offer to earn a total of 5% back at grocery stores, gas stations, and restaurants Offer valid January 15 through March 31, 2025 on up to $1,000 in combined purchases with your Prime Visa.

Whole Foods Market and Amazon Fresh purchases will continue to earn 5% back with an eligible Prime membership, otherwise 3%.*"

They currently have a $200 Gift card promo going on right now just for getting approved it looks like. The arrival of the gc seems instant. I probably won’t have prime too much longer so is the card even worth it? I only want it for it’s promo honestly and wouldn’t ever use it.

UPDATE: … I did it :D got the $200 bonus instantly

To be eligible for this bonus offer, you must activate by 12/31/25 11:59 p.m. E.T. You will earn 5% back total for each $1 spent in the grocery stores, gas stations, and dining at restaurants categories on up to $1,000 in total combined purchases from 10/01/2025 to 12/31/2025. Whole Foods Market and Amazon Fresh purchases will continue to earn 5% back for Prime Visa cardmembers with an eligible Prime membership, and 3% back for Amazon Visa cardmembers during and after the promotional period and will not earn bonus rewards with this offer.

The website says it offer a $150 gift card which is why I am interested but I wanted to know about the cons of having a card with them.

I have three already I was just wondering what y’all think , I was already approved for it I just want some other opinions

The bonus bumped up now from $200 to $250. Valid through July 14th.

Note that if you cancel your Prime membership, your card will be auto downgraded to the basic Amazon Visa card (no-AF).

So ive been considering the Amazon CC since i do so many purchases in a year on amazon. Do any of you have / use it? I currently have Amex gold, Amex Blue cash, Amex adelta and Chase reserve. Is it worth it if you spend around 5-10k a year on amazon?

Shop on Amazon a lot so might as well. My main bank account is also on chase, and I have the freedom unlimited card. My main gripe is the annual fee. If they're both 0 annual, then Prime Visa is the better choice. But I don't get it, some say you have to have Amazon Prime (I do have that, for now) for it to have none, the website does not specify that. Which one should I go with?

Ok so the Amazon Prime visa has a $250 amazon gift card sign up bonus which will immediately be added to your amazon account and also no forex fees. This is amazing for a card without *annual fee. (You do need to buy the prime membership to get the $250 giftcard).

BUT, you can cancel the membership for prime and then still keep the giftcard. The card will downgrade and give 3% back instead of 5% automatically but you will still have the no forex fee which is absolutely gold!

Never applied for a card this fast.

Around 10% of my total 2024 spend was on Amazon purchases…might be a no brainer but thoughts on getting an Amazon CC for those purchases if I’m expecting similar spending going forward?

Looking for recommendations for $800-$1500/mo Amazon spend.

We share a prime account with a family member who uses the Amazon card. We currently make Amazon purchases with Citi double cash unless the Chase Freedom quarter is Amazon.

Credit score is >800.

We have a CCC but use that for gas.

We are considering moving money to BoA and getting a CCR, but hoping there is an easier way.

TYIA