The Amazon Visa Card gives you cash back on purchases, with higher rates at Amazon and Whole Foods
The Amazon Visa Card is a co-branded credit card issued by Chase in partnership with Amazon. It offers cash back rewards on everyday purchases, with the highest rate at Amazon.com and Whole Foods Market. The card also includes benefits like no annual fee, fraud protection, and purchase protection on may be able to access items.
There are two versions: the Amazon Visa Signature card and the Amazon Visa Infinite card. The Signature version is the standard option. The Infinite version requires higher spending and offers additional perks like concierge services and travel protections. Both cards earn the same cash back rates on Amazon and Whole Foods purchases.
Key Takeaways
- The Amazon Visa Signature card earns 3% cash back at Amazon and Whole Foods, 2% at gas stations and restaurants, and 1% everywhere else.
- The Amazon Visa Infinite card earns the same rates but includes additional travel and purchase protections, though it requires higher annual spending to maintain.
- Cash back rewards are deposited into your Amazon.com account as Amazon account credit, not paid as a check or statement credit.
- The card includes zero fraud liability, meaning you are not responsible for unauthorized charges if you report them promptly.
- Both versions have no annual fee, making the card available to anyone who meets Chase's credit requirements.
How cash back rewards work on this card
When you use the Amazon Visa card to make a purchase, you earn cash back when ready. The reward rate depends on where you shop. At Amazon.com and Whole Foods Market, you earn 3% cash back. At gas stations and restaurants, you earn 2% cash back. On all other purchases, you earn 1% cash back.
Your cash back does not arrive as a separate payment. Instead, it is automatically added to your Amazon.com account as account credit. You can use this credit to buy anything on Amazon.com, including physical items, digital content, and services. If you do not shop on Amazon often, the credit sits in your account until you use it or the card is closed.
There is no cap on how much cash back you can earn, and there is no annual limit on rewards. Every purchase you make with the card earns cash back at the stated rate for that merchant category.
Comparing the Signature and Infinite versions
| Feature | Signature | Infinite |
|---|---|---|
| Annual fee | None | None |
| Amazon cash back rate | 3% | 3% |
| Whole Foods cash back rate | 3% | 3% |
| Gas and restaurant rate | 2% | 2% |
| Other purchases rate | 1% | 1% |
| Concierge services | No | Yes |
| Travel protections | Basic | Enhanced |
| Purchase protection | Yes | Yes |
The main difference between the two cards is the additional travel and concierge benefits on the Infinite version. The Infinite card includes trip cancellation insurance, trip delay reimbursement, and access to a concierge service that can help with travel planning and reservations. The Signature card includes basic travel accident insurance and emergency medical and dental services abroad.
Both cards offer the same cash back rates and the same purchase protection. The Infinite card is designed for people who travel frequently or want premium customer service options. If you primarily shop at Amazon and Whole Foods and do not travel often, the Signature card delivers the same rewards at no cost.
Protection and fraud coverage included with the card
The Amazon Visa card includes zero fraud liability, which means you are not responsible for charges you did not make. If you notice an unauthorized purchase on your statement, you can report it to Chase. Once you report it, you are not liable for that charge while Chase investigates.
The card also includes purchase protection on may be able to access items. If you buy something with the card and it is damaged, lost, or stolen within 120 days of purchase, you can file a claim with Chase for reimbursement. This protection does not cover items damaged by normal wear and tear or misuse.
Both the Signature and Infinite versions include these protections. The Infinite card adds extended warranty coverage on may be able to access electronics and appliances, which extends the manufacturer's warranty by up to one additional year.
How to use your cash back rewards
Your cash back appears in your Amazon.com account automatically. You do not need to redeem it or take any action to receive it. When you shop on Amazon.com, you will see your available account credit at checkout, and you can choose to use it toward your purchase.
You can also check your cash back balance by logging into your Amazon.com account and going to "Your Account," then "Gift Cards." Your Amazon Visa rewards are listed there as "Amazon.com account credit." You can see how much you have earned and how much you have spent.
If you close the card, your cash back credit remains in your Amazon.com account and does not expire. You can continue to use it on Amazon.com even after the card is closed, as long as you have an active Amazon account.
Annual percentage rate and how interest works
The Amazon Visa card charges interest on purchases you do not pay in full by the due date. The annual percentage rate (APR) varies based on your creditworthiness and is disclosed when you receive your card. Chase typically offers a 0% introductory APR period on purchases for new cardholders, though the length varies.
After the introductory period ends, the standard APR applies to any remaining balance. If you carry a balance, you will be charged interest on that balance each month until it is paid off. To avoid interest charges, pay your full statement balance by the due date each month.
Balance transfers and cash advances have different rates and terms. Balance transfers typically have a higher APR and may include a transfer fee. Cash advances have an even higher APR and start accruing interest when ready with no grace period.
Frequently Asked Questions
Can I use the Amazon Visa card outside of Amazon and Whole Foods?
Yes. You can use the card anywhere Visa is accepted. At Amazon and Whole Foods you earn 3% cash back, at gas stations and restaurants you earn 2%, and everywhere else you earn 1%. The card works like any other credit card for non-Amazon purchases.
What happens to my cash back if I close the card?
Your cash back credit stays in your Amazon.com account and does not expire. You can continue to use it to shop on Amazon.com even after the card is closed. The credit is tied to your Amazon account, not to the card itself.
Do I have to have an Amazon Prime membership to use this card?
No. The Amazon Visa card works for anyone, whether or not you have a Prime membership. You do not need Prime to earn cash back or to use the card. However, if you do have Prime, you may see additional benefits depending on your membership tier.
How long does it take for cash back to show up in my account?
Cash back is typically added to your Amazon.com account within one to two business days of the purchase posting to your card. You can check your account credit balance anytime by logging into Amazon.com and viewing your gift card balance.
Is there a limit to how much cash back I can earn?
No. There is no annual cap on cash back rewards and no limit to how much you can earn. Every purchase earns cash back at the stated rate for that merchant category, with no maximum.