Amazon Crédit Card – How to apply

By Raquel Oliveira • 04/03/2025

Amazon Crédit Card: Airport lounge access to relax before flights.

If you want to turn your everyday spending into valuable rewards, the Amazon Credit Card could be an excellent fit.

Designed with frequent shoppers and travelers in mind, this card lets you earn points on every purchase—making it easy to unlock travel perks and more over time.

It stands out with generous cashback on Amazon and Whole Foods purchases, no annual fee, and access to exclusive promotional offers, delivering a smooth and rewarding experience both online and in-store.

Cardholders also enjoy a welcome bonus, flexible ways to redeem rewards, and special Amazon-only deals. Just keep in mind—this card shines brightest for those who regularly shop within the Amazon ecosystem.

How Does the Amazon Visa Credit Card Work?

The Amazon Visa Credit Card provides a seamless shopping experience while offering valuable cashback rewards on everyday purchases. It is designed for Amazon shoppers but can also be used anywhere Visa is accepted, providing flexibility.

Once approved, cardholders can start earning cashback immediately, with no restrictions on when rewards can be redeemed. This makes it an efficient way to save on Amazon purchases while also earning rewards on dining, travel, and other expenses.

Beyond online shopping, the card’s rewards program extends to categories such as restaurants, gas stations, and transit. This makes it a useful option for those who want to earn consistent rewards on both online and in-person transactions.

With no annual fee, the Amazon Visa Credit Card is a budget-friendly choice for maximizing cashback without incurring extra costs. However, those who do not frequently shop on Amazon may find better alternatives with broader rewards programs.

Drawbacks of the Amazon Visa Credit Card

While the Amazon Visa Credit Card offers strong benefits, it may not be the best fit for everyone. Below are some potential downsides to consider before applying:

• The balance transfer fee is four percent (minimum five dollars), making it less ideal for consolidating debt.
• The highest cashback rewards are reserved for Amazon Prime members, limiting value for non-members.
• The variable APR ranges from 19.99 percent to 28.74 percent, which can be costly for those who carry a balance.
• Interest charges can quickly accumulate if the balance is not paid off in full each month.
• Most of the card’s benefits are tailored toward Amazon shoppers, limiting its appeal for those who shop elsewhere.

Key Benefits

• Three percent cashback on Amazon.com, Amazon Fresh, and Whole Foods Market purchases.
• Three percent cashback on Chase Travel purchases, making it useful for travelers.
• Two percent cashback at restaurants, gas stations, and local transportation services.
• One percent cashback on all other purchases, ensuring rewards on every transaction.
• A fifty-dollar Amazon gift card is awarded to new cardholders upon approval.
• No annual fee, making it a cost-effective rewards card.
• Cashback is available within one day, allowing quick redemption for future Amazon purchases.
• FDIC-backed security ensures safe and reliable transactions.
• The card is accepted worldwide wherever Visa is used, offering broad usability.

Tips to Maximize Rewards with the Credit Card

Using the Amazon Visa Credit Card strategically can help cardholders maximize their rewards and savings. Below are some useful strategies:

• Prioritize Amazon Purchases: Use the card for Amazon.com, Amazon Fresh, and Whole Foods Market purchases to take full advantage of the three percent cashback rate.
• Book Travel Through Chase Travel: Earn three percent cashback on travel bookings, including flights, hotels, and rental cars, by using the card for these transactions.
• Take Advantage of Dining and Gas Rewards: Use the card at restaurants, gas stations, and transit services to earn two percent cashback on these everyday expenses.
• Redeem Cashback Regularly: Since cashback is available within one day, apply it to future Amazon purchases to ensure continuous savings.
• Pair with Amazon Prime: Prime members earn five percent cashback on Amazon and Whole Foods purchases, significantly increasing rewards potential.
• Avoid Carrying a Balance: Since the APR is relatively high, paying off the full balance each month helps prevent interest charges from reducing earned rewards.

By following these tips, cardholders can maximize the value of their Amazon Visa Credit Card and enjoy substantial savings on everyday spending.

Fees and APR Details

• No annual fee, making it a cost-effective choice for frequent Amazon shoppers.
• No foreign transaction fees, making it suitable for international travelers.
• Variable APR ranging from 19.99 percent to 28.74 percent, depending on creditworthiness.
• Balance transfer fee of four percent (minimum five dollars), adding to costs if used for debt consolidation.

How to Apply for the Credit Card

Applying for the Amazon Visa Credit Card is a simple process that can be completed online. Below are the steps to get started:

1. Visit Amazon.com or the card issuer’s website to review card benefits and terms.
2. Click the “Apply Now” button and fill out the online application form.
3. Provide personal details, including name, address, email, phone number, and income information.
4. The issuer conducts a credit check to determine approval status.
5. Some applicants may receive instant approval, while others may experience a short review period.
6. Once approved, the physical card is mailed to the applicant, usually within a few business days.
7. Cardholders can start earning cashback immediately and receive a fifty-dollar welcome gift card.
8. To unlock the five percent cashback on Amazon purchases, an active Amazon Prime subscription is required.

Who Should Get the Amazon Visa Credit Card?

This card is ideal for individuals who:

• Frequently shop on Amazon and want to maximize cashback rewards.
• Travel often and want to earn rewards on Chase Travel bookings.
• Dine out or commute regularly, benefiting from two percent cashback at restaurants, gas stations, and ride-sharing services.
• Prefer a no-annual-fee rewards card with fast and easy cashback redemption.

However, the card may not be the best fit for those who:

• Are not Amazon Prime members, as the highest cashback rates are reserved for subscribers.
• Regularly carry a balance, as the APR is relatively high and could lead to expensive interest charges.
• Prefer a more flexible rewards program that provides higher cashback across multiple retailers.

Is the Amazon Visa Credit Card Worth It?

For loyal Amazon shoppers, the Amazon Visa Credit Card is an excellent tool for maximizing savings and earning valuable cashback. With no annual fee, quick rewards redemption, and strong benefits on Amazon purchases, it is a practical choice for frequent users.

The three percent cashback on Chase Travel, dining, gas stations, and transit services also enhances the card’s overall value. These features make it a well-rounded option for individuals who spend regularly in these categories.

However, non-Prime members and those who shop primarily outside of Amazon may not benefit as much from the card’s reward structure. Additionally, the high APR makes it less appealing for individuals who tend to carry a balance from month to month.

If you frequently shop on Amazon, pay off your balance in full each month, and want an easy way to earn cashback, the Amazon Visa Credit Card is a fantastic choice. With its combination of high cashback rates and no annual fee.