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Amazon.com Rewards Visa Card from Chase: 3% Cash Back For Shopaholics

Amazon Rewards Visa Signature Card

Amazon.com Rewards Visa Card from Chase: 3% Cash Back For Shopaholics

3% Amazon.com rewards,and 2% back on gas station, restaurant and drugstore purchases. Overall, a good deal
Editor's Rating: 4.0/5.0

Editor's Rating

4.0/5.0

The Amazon.com Rewards Visa card from Chase has a lot of potential, especially for consumers whose spending center around gas stations, restaurants, drug stores, and (obviously) Amazon.com. When using this card for those purposes, one can expect rewards rates from 2% to 3%, which is on the high end of credit card rewards. On top of great rewards, this card has no annual fee, making it an easy sell. If you are only interested in Amazon.com rewards, or you don’t spend more than $750 per month, other cards such as the Sallie Mae Mastercard, may be prove to be a better value.

Pros

  • Great rewards across a wide range of categories
  • No annual fee

Cons

  • Low welcome bonus value - $30
  • Other credit cards offer higher Amazon rewards (up to 5%)

Review: Is the Amazon.com Rewards Visa Card Worth It?

If you frequently make purchases on Amazon.com, and are looking for one credit card to suit all your needs, the Amazon.com Rewards Visas card from Chase makes a strong argument. With the card, you can get 3% cash back on all your Amazon.com purchases, and 2% cash back at gas stations, restaurants, and drugstores (1% back elsewhere). The rewards programs makes this an excellent addition to your wallet, for everyday use as well as getting some savings off your Amazon shopping sprees.

While cards like the Sallie Mae credit card can give you better rewards, they come with a series of restrictions which detract from their value. The Amazon.com Rewards visa card is the only Amazon.com rewards card which comes with unlimited cash back rewards of this scale on Amazon purchases, on top of other categories. If you don’t mind having a card dedicated to only Amazon purchases, and are already an Amazon Prime member, you are better off with the Amazon Sore card instead – it offers up to 5% cash back on purchases through the online retailer.

One of our only gripes with the Amazon.com Rewards Visa card is its lackluster welcome bonus. Users are greeted with a $30 Amazon.com gift card, upon their account being approved. While cash back credit cards are not generally known for their high bonuses, many competing cards do offer bonuses which make them significantly more attractive to new members – we’ve seen cash back cards offer bonuses as high as $100.

Bottom Line: If you’re searching for a way to save on Amazon.com-related spending, and only want a single credit card in your wallet, then the Amazon.com Rewards Visa card may be a good choice for you. We recommend all consumers spend some time seeing whether cards like the Sallie Mae credit card are a better fit for your particular needs.

Amazon.com Rewards Visa Card Benefits & Features

Amazon Rewards Visa Signature Card
Amazon Rewards Visa Signature Card
Annual Fee
No Annual Fee
Purchase APR
14.24% - 22.24% Variable
Credit Needed Good
Details
  • No annual fee

The Amazon.com Rewards Visa Card is a straightforward cash back card, which earns users a rebate on all their purchases. Cardholders get 3% back for purchases made at Amazon.com, 2% cash back at gas stations, restaurants and drugstores, and 1% back on all other purchases. What you earn with the Amazon.com Rewards card are unlimited, and uncapped. Unlike rotating category cash back credit cards, you never have to worry about spending caps or quarterly bonus categories. The rewards rates on this card are set in stone, and so long as you are using it, you know exactly how much cash back you’ll be getting.

Amazon.com Rewards Visa users receive a $30 gift card upon approval of their application. The gift card will be automatically loaded onto your Amazon.com account to be used towards any future purchase. This is one of the rare credit card bonuses which doesn’t require users to meet a minimum spending requirement or even use the card. It kicks in the moment you become a cardmember.

Amazon.com Rewards Visa Cash Back Rewards Program: How do they work?

While the way rewards work on this card is simple, they may cover a wider array of shopping than is obvious at first glance. All purchases through the Amazon.com Rewards Visa card earn users rewards points. These points can then be used to earn cash, gift cards, shopping on Amazon.com, and travel.

3% Cash Back at Amazon.com

All items for sale through Amazon, and affiliated third-party merchants qualify for the 3% discount. This includes things such as Amazon Fresh Orders, as well as Amazon Prime Subscriptions. The 3% cash back offer does not extend to Amazon.com subsidiaries, such as Zappos or Twitch. Furthermore, parts of Amazon which operate outside of the United States, such as Amazon.co.uk also do not qualify for the 3% offer.

2% Cash Back For Gas, Restaurants and Drugstores

The 2% categories depend upon how different merchants classify their business. Each establishment that accepts credit cards registers themselves with a credit card network (VISA, Mastercard, etc.) and puts themselves in a specific business category. Some of these categories might be very specific. For example McDonald’s might classify themselves as a ‘fast food’ business, and Chili’s Bar & Grill might opt to register as a ‘restaurant/bar’. Chase will then group all similar merchant categories into their three main ‘Gas’, ‘Restaurants’ and ‘Drugstores’ categories. 

Duane Reade and CVS, for example, will fall under the ‘drugstores’ category – even if you aren’t shopping at their pharmacy section. 7/11 stores are generally classified as a ‘gas station’, even if they don’t have a gas pump outside, and only sell snacks. Amazon.com Rewards Visa cardholders shopping at these locations can take advantage of the 2% savings they’d be getting. For a full list of merchant category codes you may visit Visa’s website, and look up the particular business you are wondering about.

Reward Redemptions

The rate for all these redemptions will always be 100 points for $1. All redemptions, with the exception of Amazon.com purchases, require a minimum amount of points to redeem. These are subject to change, and can differ between redemptions. Generally speaking, you’ll need at least 2,000 points before you can redeem them for things such as cash back – a $20 value. When you use your rewards points to shop at Amazon.com, you can use any amount of points to help pay for some or the full purchase. A single rewards point will offset $0.01 of a purchase.

How Does The Amazon.com Rewards Visa Card Compare To Other Credit Cards?

Understanding the value of the Amazon.com Rewards Visa card comes down to seeing how it matches up against similar offers. The most direct comparisons for the card can be drawn to both the Sallie Mae Mastercard and the Amazon.com store card – both of which offer cash back on Amazon purchases. We will profile how the cards differ in greater detail, but the chart below will give you a general idea of how the rewards rates on them differ with varying levels of spending.

This chart graphs the amount of rewards that consumers can earn for Amazon.com purchases over three different credit cards.

Amazon.com Rewards Visa Card vs Sallie Mae Mastercard

Sallie Mae Mastercard
This card is not available through ValuePenguin.

The SallieMae Mastercard can get consumers up to 5% cash back on non-digital Amazon.com purchases, on up to $750 in spending each month. Therefore, this card offers superior Amazon rewards, as long as you aren’t spending more than that threshold, and if you don’t plan to pay for digital products (such as Amazon Prime, or music downloads). Outside of this, this card also beats the Amazon.com Rewards Visa card when it comes to purchases at gas stations – 5% vs 2%. However, the Sallie Mae Mastercard only offers the 5% cash back on gas (and groceries) on the first $250 spent each month. Once again, if your budget outpaces that threshold significantly, you’re better off putting those purchases on a Amazon.com Rewards Visa card.

Amazon.com Rewards Visa Card vs Amazon.com Store Card

The Amazon.com Store card offers some of the best rewards for shopping at Amazon.com, if you’re an Amazon Prime member. Users get unlimited 5% cash back on all on all purchases on the website. The two downsides of the card are the fact that it can ONLY be used to buy items on Amazon, and nowhere else. Which means you will still need another credit card if you wish to buy things on credit elsewhere. Additionally, the card’s 5% rewards are only available to Amazon Prime members, which costs $99 per year. If you aren’t already a member, this may be a tough sell for the extra 2% in savings. In order for the membership fee to break outpace the Amazon.com Rewards Visa card, you must spend at $5,000 annually, or more, on Amazon.com purchases. If you don’t meet this criteria, and you don’t already have Amazon Prime for its other benefits, you should consider getting the Amazon.com Rewards Visa card instead.

Amazon.com Rewards Visa Card vs Citi® Double Cash Card

Citi® Double Cash Card
This card is not available through ValuePenguin.

One other option some consumers may consider is the Citi® Double Cash Card. The card offers 1% cash back at the time of a purchase, and then gives another 1% back when that credit is paid off. That rate applies to all purchases – Amazon.com, gas stations, restaurants, drug stores, and more. If you don’t want to worry about which places to shop for using a particular card, and just want decent overall rewards, the Citi® Double Cash Card should be your top choice. If, on the other hand, you don’t mind some slight management of how you are spending, you can get higher rewards with the Amazon.com Rewards Visa Card. Since both cards have no annual fee, the optimal choice would be getting both, and using the Citi® Double Cash Card in all instance where the Chase card is only earning you 1% cash back.

Comparison Tool

Choosing a credit card is much like shopping for shoes. It’s sometimes difficult to see whether it’d be a good fit, before you try it on. To help deal with that, we have built a tool which allows you to see what rewards you can expect, given your particular spending habits. Use the tool below to get an idea of what value you can get out of the Amazon.com Rewards Visa Card from Chase, alongside leading competitors.

Assumptions Based On Monthly Spend of: $1,430 Edit
General:
U.S. Gas Stations:
U.S. Supermarkets:
Airlines:
Hotel:
U.S. Restaurants:
Office:
Utilities:
Computing:
Card Annual Fee 2-yr Net Rewards Rate

The Net Rewards Rate is equal to the Rewards Value over two years divided by the total spending. The total spending is equal to the values entered into the tool and multiplied by 24 months. See the rewards Value note to see details on how it is calculated.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. All estimates are based on the spend assumptions entered above (which you can edit).

Bonus Value

The bonus field shows our estimate for the value of the card’s welcome bonus. If the bonus is point or mile based, we multiply the total bonus points/miles by our estimate for their value to arrive at a dollar equivalent. We display $0 if there is no bonus or if the user doesn’t qualify for the bonus based on the current spending entered into the tool. All estimates are based on the spend assumptions entered above (which you can edit).

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

2-yr Rewards Value

The Rewards value is calculated by adding together the rewards earned from charging purchases to the card over two years and any welcome bonuses (if applicable). They are then multiplied by our estimated point/mile value, with any annual fees (if applicable) subtracted. All values are based on our own estimates for the dollar value of any points, miles or bonuses earned using a card and on the spend assumptions entered above (which you can edit).

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Discover it® Cash Back
$0 1.50%
$171
INTRO OFFER: Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
$514
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
171 x $1 = $171
Total Net Estimated Rewards Through 24 Months 514

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 13.74% - 24.74% Variable

Card Details

  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Chase Freedom®
$0 1.44%
$150
Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
$493
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
0 x $1 = $150
Total Net Estimated Rewards Through 24 Months 493

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 16.74% - 25.49% Variable

Card Details

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Amazon Rewards Visa Signature Card
No Annual Fee 1.39%
$30
$30 Amazon.com Gift Card
$476
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 44,640 x $0.01 = $446
Bonuses
0 x $0.01 = $30
Total Net Estimated Rewards Through 24 Months 476

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 14.24% - 22.24% Variable

Card Details

  • No annual fee

Comments and Questions

Opinions, analyses, reviews, or recommendations expressed here are the author's alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer's Affiliate Program. For a full list of our advertisers see our disclosure page

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

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Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

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Advertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products. For more information please see our Advertiser Disclosure.