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Do you have household essentials set up to arrive monthly through Amazon\u2019s Subscribe and Save feature? Is Whole Foods Market your preferred supermarket or office lunch spot? The Prime Visa cash-back credit card should be on your cash-back radar.<\/p>\n
The Prime Visa card can help Amazon Prime members maximize not only their purchases with the online retail giant but also other regular budget items, too. Before applying, make sure you understand just how to make the most of Prime Visa \u2014 and whether it\u2019s best for your spending.<\/p>\n
Rewards rate<\/p>\n
Benefits<\/p>\n
This credit card offers both no foreign transaction fees and some travel protections \u2014 not the most common benefits among cash-back credit cards.<\/p>\n
Travel protections include baggage delay insurance, lost luggage reimbursement, travel accident insurance, and auto rental collision damage waiver. Travel protections apply when you use your card to purchase your travel, but always read the fine print of your individual card agreement to know the exact terms you qualify for.<\/p>\n
Purchase protection and extended warranty also help protect your Prime Visa purchases. Purchase protection covers new purchases against damage or theft for 120 days, up to $500 per claim and $50,000 per account. The extended warranty coverage extends the U.S. manufacturer\u2019s warranty by one year on card purchases with eligible warranties of three years or less.<\/p>\n
When you make a purchase with this card, you\u2019ll earn cash-back rewards. But there are a few types of transactions that will not earn rewards, including:<\/p>\n
Amazon.com transactions with promotional financing applied<\/p>\n<\/li>\n
Balance transfers and cash advances<\/p>\n<\/li>\n
Lottery tickets and betting transactions<\/p>\n<\/li>\n
Interest and fee charges<\/p>\n<\/li>\n<\/ul>\n
The most important thing to remember is that you must have an eligible Prime membership to take advantage of all the card\u2019s included benefits. To earn the full 5% rewards Prime Visa offers, you\u2019ll need to have an eligible Prime membership and connect your card to your Amazon Prime account.<\/p>\n
If your card is not connected to your Amazon.com account with eligible Prime membership, you\u2019ll only earn 3% cash back in those categories. You also may not earn the full 5% cash back on some specific Amazon-related transactions, including:<\/p>\n
Amazon Pay purchases<\/p>\n<\/li>\n
International Amazon sites such as Amazon.ca or Amazon.co.uk<\/p>\n<\/li>\n
International Whole Foods Markets or Whole Foods purchases made through third parties (some online grocery delivery services, for example)<\/p>\n<\/li>\n<\/ul>\n
You have a few different options for using your Prime Visa cash-back rewards.<\/p>\n
To apply cash back to Amazon.com purchases, look for your available rewards balance at checkout using your linked Amazon account. You can use that balance to pay for all or a portion of your purchase.<\/p>\n
You can also redeem rewards for gift cards or cash via statement credit or a bank account deposit. You may even use your rewards to book travel \u2014 including airfare, hotels, and car rentals \u2014 through the Chase Travel portal.<\/p>\n
The Prime Visa is best for frequent Amazon shoppers who have a Prime membership and use it regularly. If you don\u2019t shop with Amazon enough to justify the cost of a Prime membership, you\u2019re not likely to get much value from this credit card.<\/p>\n
It\u2019s also a great option if Whole Foods Market is your preferred grocery destination. The unlimited 5% cash back is among the highest rates on grocery spending available today. That return can save you a lot of money if your weekly grocery budget typically goes to Whole Foods spending anyway.<\/p>\n
While you should be a regular Amazon.com or Whole Foods shopper to maximize this card, the rewards on everyday spending are an added bonus for anyone looking to save some extra cash. If dining out, filling up at the gas station, or commuting via local transit are all part of your monthly cash flow, you can ensure you\u2019ll get value from this card even beyond Prime savings.<\/p>\n
Finally, while this card is not a travel credit card, it does have some benefits for travel. Not only will you get travel protections, but you can earn 5% cash back on travel you book through Chase\u2019s travel portal and use your rewards to book travel with Chase. While this wouldn\u2019t be our top pick for travel rewards, it can have some added benefits for cash-back users looking to save on an upcoming trip.<\/p>\n
Everyday rewards categories:<\/strong> Unlike some co-branded credit cards, the Prime Visa offers great cash rewards on Amazon.com purchases as well as regular spending categories. When you analyze your budget to decide if this card is right for you, review all of the categories this card offers.<\/p>\n<\/li>\n Unlimited cash back:<\/strong> Despite having high cash-back values up to 5%, there\u2019s no cap on the rewards you can earn with Prime Visa. You\u2019ll get unlimited cash-back rewards in each eligible category.<\/p>\n<\/li>\n Solid welcome offer:<\/strong> This card\u2019s welcome offer is great for people who may not spend a lot using credit cards each month and find it difficult to meet spending thresholds for credit card bonuses. Instead, you\u2019ll get your gift card welcome offer as soon as you\u2019re approved for the Prime Visa.<\/p>\n<\/li>\n<\/ul>\n Requires Prime membership for top rewards:<\/strong> This card is best for Amazon shoppers with a Prime membership. If you don\u2019t shop at Amazon or Whole Foods Market often enough to justify the $14.99 monthly Prime fees, consider a more general rewards card.<\/p>\n<\/li>\n Few added benefits:<\/strong> Prime Visa is most valuable for its cash-back rewards. But you\u2019re more likely to find partner discounts, annual credits, or other high-value perks from flexible rewards credit cards or travel credit cards \u2014 often with higher annual fees.<\/p>\n<\/li>\n No intro APR offer:<\/strong> Unlike many cash-back credit cards today, you won\u2019t get a 0% intro APR with this card. If you\u2019re looking to pay down existing debt or make a large purchase you can pay off over time without interest, look for a card with a more competitive intro offer.<\/p>\n<\/li>\n<\/ul>\n This card is a Visa credit card, which is one of the most widely accepted payment networks worldwide. Visa is available in more than 200 countries and accepted by more than 130 million merchants globally.<\/p>\n When it\u2019s time to pay your Prime Visa balance, you\u2019ll have a few different payment options:<\/p>\n Online:<\/strong> Log into your Chase mobile app or online account to make a one-time payment or set up autopay.<\/p>\n<\/li>\n Phone:<\/strong> Chase\u2019s automated phone service line is 1-800-436-7958.<\/p>\n<\/li>\n Mail:<\/strong> Send a check or money order to the following address with your card number on the memo line. In person:<\/strong> You can also make card payments at Chase ATM or branch locations.<\/p>\n<\/li>\n<\/ul>\n Prime Visa is issued by Chase, which means you\u2019ll need to contact Chase for information or questions about your card.<\/p>\n You can send messages to Chase about your account when you sign in online and use the Secure Message Center. Answers are also available anytime through Chase\u2019s credit card FAQ page.<\/p>\n<\/li>\n Phone number: 1-800-432-3117<\/p>\n<\/li>\n<\/ul>\n We like these cash-back cards for everyday rewards similar to the Prime Visa. Compare them to see which may offer more flexibility for your spending.<\/p>\n Annual fee<\/p>\n $0<\/p>\n<\/li>\n Welcome offer<\/p>\n Earn as high as $200 cash back after spending $2,000 within the first 6 months (welcome offers vary and you may not be eligible for an offer; cash back is received as Reward Dollars, redeemable for statement credit or at amazon.com checkout)<\/p>\n<\/li>\n Card type(s)<\/p>\n Cash-back<\/p>\n<\/li>\n Ongoing Balance Transfer APR<\/p>\n 19.49%-28.49% Variable<\/p>\n<\/li>\n Introductory Purchases APR<\/p>\n 0% on purchases for 15 months<\/p>\n<\/li>\n Introductory Balance Transfer APR<\/p>\n 0% on balance transfers for 15 months<\/p>\n<\/li>\n Ongoing Purchases APR<\/p>\n 19.49%-28.49% Variable<\/p>\n<\/li>\n Recommended credit score<\/p>\n Excellent, Good<\/p>\n<\/li>\n<\/ul>\n Rewards rate<\/p>\n Benefits<\/p>\n Why we like it<\/strong>: The Blue Cash Everyday from American Express is a no-annual-fee credit card (see rates and fees) that has one of the only boosted rewards rates we\u2019ve seen on online purchases \u2014 making it a great alternative to the Prime Visa. For ongoing rewards, you\u2019ll earn 3% cash back at U.S. supermarkets, on U.S. online retail purchases, and at U.S. gas stations. These rewards apply to the first $6,000 you spend in each category, after which you\u2019ll earn 1% (and 1% cash back on all other purchases).<\/p>\n Annual fee<\/p>\n $0 intro annual fee for the first year, then $95.<\/p>\n<\/li>\n Welcome offer<\/p>\n Earn as high as $300 cash back after spending $3,000 within the first 6 months (welcome offers vary and you may not be eligible for an offer; cash back is received as Reward Dollars, redeemable for statement credit or at amazon.com checkout)<\/p>\n<\/li>\n Introductory Purchases APR<\/p>\n 0% on purchases for 12 months<\/p>\n<\/li>\n Introductory Balance Transfer APR<\/p>\n 0% on balance transfers for 12 months<\/p>\n<\/li>\n Ongoing Balance Transfer APR<\/p>\n 19.49%-28.49% Variable<\/p>\n<\/li>\n Ongoing Purchases APR<\/p>\n 19.49%-28.49% Variable<\/p>\n<\/li>\n Recommended credit score<\/p>\n Excellent,Good<\/p>\n<\/li>\n<\/ul>\n Rewards rate<\/p>\n Benefits<\/p>\n Why we like it<\/strong>: If you don\u2019t mind paying an annual fee, the Blue Cash Preferred from American Express can potentially bring you the most value of nearly any cash-back credit card available today. The Blue Cash Preferred\u2019s best feature is its competitive cash rewards. You can earn 6% cash back at U.S. supermarkets (up to $6,000 spent per year, then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back on transit and at U.S. gas stations, and 1% cash back on all other purchases.<\/p>\n Annual fee<\/p>\n $0<\/p>\n<\/li>\n Welcome offer<\/p>\n Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening<\/p>\n<\/li>\n Card type(s)<\/p>\n Cash-back, Rewards<\/p>\n<\/li>\n Purchase APR<\/p>\n 18.49% – 28.49% variable<\/p>\n<\/li>\n Introductory APR<\/p>\n 0% intro APR on purchases and balance transfers for 12 months, then variable 18.49% – 28.49% APR<\/p>\n<\/li>\n Recommended credit score<\/p>\n Good, Excellent<\/p>\n<\/li>\n<\/ul>\n Rewards rate<\/p>\n Benefits<\/p>\n Why we like it<\/strong>: If you\u2019re looking for everyday rewards with no annual fee, the Savor Cash Rewards card from Capital One is another solid option. There are a few different cash-back rewards categories to track. With Savor, you\u2019ll earn 8% cash back on Capital One Entertainment purchases and 5% back on hotels and rental cars booked through Capital One Travel. Plus, get unlimited 3% cash back across dining, entertainment, popular streaming services, and grocery stores (not including Walmart, Target, and other superstores), along with 1% cash back on all other purchases.<\/p>\n Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. All opinions belong solely to Yahoo Finance and are not those of any other entity. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank\u2019s website for the most current information. This site doesn’t include all currently available offers. Credit score alone does not guarantee or imply approval for any financial product.<\/em><\/p>\n<\/p><\/div>\n\n
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