Amazon.com Rewards Visa Card
 
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Amazon.com Rewards Visa Card

by Chase
4.1 out of 5 stars  See all reviews (2,409 customer reviews)

  • You can start using your card today at Amazon.com after approval
  • Get a $30 Amazon.com Gift Card* instantly upon approval
  • Earn 3% Back at Amazon.com
  • Earn 2% Back at gas stations, restaurants and drugstores
  • Earn 1% Back on all other purchases
  • No annual fee
Know Your Score, Find Your Card
Know Your Score, Find Your Card
Knowing where your credit stands is a good idea before applying for a new credit card. Check your credit report at Experian.com then find the card that’s right for you in the Amazon.com Credit Card Marketplace presented by Experian.


Sign-Up Offer


Benefits

  • Get Rewarded on Every Purchase: 3% Back at Amazon.com, 2% Back at gas stations, restaurants and drugstores and 1% Back on all other purchases. Your % Back rewards are earned as points. You get one point for every penny you earn in % Back rewards.
  • Redeem for instant savings at Amazon.com checkout. During checkout, you can see your rewards balance and choose how much to use. There's no minimum to redeem. 100 points = $1.00 when redeemed at Amazon.com towards eligible purchases.
  • You can also redeem for cash back, gift cards, travel and more.
  • No annual fee| No Earning Caps| No Point Expiration

Product Description

Annual Percentage Rate
Purchase APR 14.24% to 22.24%
Balance Transfer APR 14.24% to 22.24%
Cash Advance APR 19.24% or 23.24%
Penalty APR 29.99%
Overdraft APR 19.24% or 23.24%
Minimum Interest Charge None
 These APRs will vary with the market based on the Prime Rate. Click here to see complete Pricing & Terms.
Fees
Annual Fee$0
Balance Transfer FeeEither $5 or 3% of the amount of each transfer, whichever is greater.
Cash Advance FeeEither $10 or 5% of the amount of each transfer, whichever is greater.
Foreign Transaction Fee3% of each purchase transaction in US dollars.
Return Check FeeUp to $35
Late FeeUp to $35
Return Payment FeeUp to $35
Over the Credit Limit FeeNone
Other Information
Rewards TypePoints
IssuerChase Bank USA, N.A.
NetworkVisa®
Minimum Credit Quality (What's This)  

† Offer Details

Instant Credit: If you respond via the Internet, the majority of applications are responded to in less than 60 seconds. Your actual response time may vary depending on the Internet connection and volume of submitted requests. We may not be able to give you an immediate answer in every instance. Accounts subject to credit approval. Restrictions and limitations apply. Amazon.com Rewards Visa credit cards are issued by Chase Bank USA, N.A.

Earning Rewards: Your % Back rewards are earned as points. You get one point for every penny you earn in % Back rewards. Your points can be redeemed for eligible purchases on Amazon.com, cash back, gift cards or travel through our travel redemption center. A minimum number of points are needed to redeem for cash back. For more details see the Redemption Rules. Net Purchases are purchases of goods and services made by you or any authorized user on your account minus any returns or refunds, and do not include balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including an annual fee, if applicable. 3% Back: You will earn 3% back for each $1 of eligible Net Purchases made at Amazon.com. 3% Back applies only to purchases made at Amazon.com (including digital downloads, Amazon.com Gift Cards, Amazon Fresh orders, Amazon Prime subscription, and items sold by third-party merchants through Amazon.com’s marketplace). 3% Back does not apply to purchases made at Amazon.co.uk, Amazon.de, Amazon.fr, Amazon.co.jp, Amazon.ca, or any other website operated by Amazon.com, its affiliates and subsidiaries. 2% Back: You will earn 2% Back for each $1 of Net Purchases made in any of the following categories: gas stations; drugstores; office supply stores; restaurants. Chase groups similar merchant codes into categories for purposes of making rewards offers to you. Chase makes every effort to include all relevant merchant codes in its listed categories. However, even though a merchant or the items that it sells may appear to fit within a listed category, the merchant may not have a merchant code that falls within that category. Therefore, purchases with that merchant will not qualify for the stated rewards offer on category purchases. 1% Back: You will earn 1% Back on all other Net Purchases. There is no maximum number of points that you can accumulate in the Program. Bonus/Promotional offers may have a maximum accumulation. See Rewards Program Rules and Regulations which will be mailed after your account is established.

Using Your Points at Checkout (Shop with Points): Certain restrictions apply. Learn more about Shop with Points by clicking here or see Rewards Program Rules and Regulations which will be mailed after your account is established.


Important Information from Amazon

Amazon is not a financial service provider and does not have any information in respect of your financial situation, your credit history or your suitability for any credit card. Please review the terms and conditions of each credit card and rewards offer carefully to determine what product may be best suited for you and your financial circumstances.

Amazon will not assist you in obtaining a credit card and does not guarantee or represent that you will receive credit.

*Amazon.com Gift Cards: Amazon.com Gift Cards are issued by ACI Gift Cards, Inc., a Washington corporation. For complete terms and conditions, see http://www.amazon.com/gc-legal. No expiration or service fees.

Additional Information/Frequently Asked Questions for Current Cardholders

Welcome Gift Card: If you applied for the Amazon.com Rewards Visa card and were approved, an Amazon.com Gift Card will be automatically loaded into your Amazon.com account. View Your Gift Card Balance

Making a Payment and Managing Your Account: It is easy to manage your account online at Chase.com. For instructions on making a payment, visit our Help pages.

Determining Points Available for Use at Amazon.com: Your Amazon.com Rewards Visa Card points balance reflects your points balance as of your last billing cycle. Points earned in a billing cycle typically become available for use once the billing cycle has ended. You can see the available points for use by logging into your account at Chase.com.

Getting Additional Help with Your Amazon.com Rewards Visa Card: The Amazon.com Visa Rewards card is issued by Chase. For card servicing requests or questions such as current balance, payment due date, statement questions and more, please contact Chase at 1-888-247-4080, or visit their website at Chase.com.

Other FAQs: Please visit our FAQ page for additional commonly asked questions.


Customer Reviews

Most Helpful Customer Reviews
2,298 of 2,386 people found the following review helpful
4.0 out of 5 stars It's okay, but beware of this... November 17, 2012
By Mavis
I've had this card for 14 months and haven't encountered any issues. I'm a die-hard Amazon shopper, so I thought with 3 points for Amazon.com purchases, this is the card for me. Then I learned...

The 3 points only applies to Amazon.com purchases (plus a few other categories on Amazon.com, see below). Because so much of the merchandise on Amazon's site is not from "Amazon.com", but from affiliated and third party sellers, you may find that many of your purchases made on Amazon.com aren't really "Amazon.com" and therefore don't actually qualify for the 3 points. For instance, if you see items sold by Amazon Marketplace (which is common), beware, you'll just receive 1 point per dollar spent. I was so disappointed because the fine print (pasted below) isn't explicit about this, so I feel a little misled.

One plus about this card is that you can redeem the points for statement credits (example: 5,000 points = $50 statement credit), which is a nice option if you don't want gift cards or travel-related rewards.

In case you're interested, here's the fine print:

"You will earn 3 points for each $1 of eligible net purchases made at Amazon.com (including digital downloads, Amazon.com Gift Cards, Amazon Fresh orders and Amazon Prime subscription). Purchases made at Amazon.co.uk, Amazon.de, Amazon.fr, Amazon.co.jp, Amazon.ca, or any other website operated by Amazon.com, its affiliates and subsidiaries are not eligible for 3 points."

Update (October 2013): Chase revised the language on the agreement to reflect the 3 points just as expected, without all those exclusions. Thanks Chase and Amazon!
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2,165 of 2,291 people found the following review helpful
By Scott
Seems to be a lot of griping from people who don't understand how to read the fine print and use common sense. This is basically a store card/loyalty card Visa like many retailers offer. That being said, the interest rates are always high on these types of cards. Deal with it. Don't carry a balance. "Instant" credit approval is assumed if there is nothing in your account that needs reviewing. If you need the $30/$50 immediately to make your purchase, maybe you should rethink what you are buying. If you're getting this card, I'll bet you'll buy something from Amazon again and be able to use that gift card before long anyway...

Card Pros:
-1 point=$1 spent. $1 spent at amazon gives 3 points (3%). $1 spent elsewhere gives 1 point (1%). For me, I like it simple, no point-to-dollar conversions like the citi card.
-Card is by Chase. May be a pro/con here, but if you already have Chase accounts, this card will show up after a couple weeks in your chase.com online account. Easy to manage and make payments straight from your checking account.
-No annual fee.
-Redeem points at any time for anything sold by Amazon. Yes there is fine print, marketplace purchases can't be funded with points, neither can subscribe and save. Boo hoo. Read the terms and you won't have to post 1 star reviews whining about what's explained in the fine print you didn't bother reading before handing over all your personal information. :)

Card Cons:
-Interest rate is high. As stated above, these types of cards always have high rates. My condolences if you are under the assumption that a 13%+ rate is a good rate.

Bottom line- read the card's terms and conditions before applying, understand the rewards and how to use them, pay your bills on time, and you'll wind up with some nice rewards points to use on something fun from Amazon.
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1,277 of 1,380 people found the following review helpful
5.0 out of 5 stars Excellent Card Since 2006. July 6, 2012
By Andrew
I have been using this card since summer of 2006. I have total of 5 credit cards, but this is the only card I use to pay for everything; the other 4 cards I only use for certain stores and websites for better points. Please note that unlike Citi Forward Card, Amazon.com Rewards Visa Card gives a point for purchases at any stores and you do not have to wait for your points to be transferred.

You can also redeem your points for Amazon purchases, Amazon gift cards, restaurant gift cards, plane tickets, cash back, or have statement credit ($25.00 for 2,500 points and $50.00 for 5,000 points).

What really stands out with this card is that once or twice a year, you get card member specific deals on Amazon.com. For instance, in 2010, I was offered 20% discount on specific TVs from Amazon.com only because I was a card holder. The TV was $1,279.00 and I had received 20% discount, then I had also received $25.00 statement credit because you get 3 points for every dollar you spend at Amazon.com. In the end, I had paid only $998.20 for the TV with free shipping. Please note that the same TV was being sold for $1,279.00 at Best Buy and Target via online at the time, and the TV still functions well even to this day.

Because I use this card for everything, I have had couple of unauthorized charges on this card during the 7 years of use; who knows which merchant or stores kept my card number... For both times, however, Chase Customer Service was nice enough to refund the unauthorized charges, cancel the card and send me brand new cards via UPS overnight.

There were also few other instances where I had received 3 points for not just Amazon purchase, but for all other purchases during certain 3 months summer promotions.
Read more ›
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Most Recent Customer Reviews
1.0 out of 5 stars Stay away!!!!!
Horrible!!! The interest rates are so high! I make a payment and then automatically I get charged an interest fee that is half of what I pay! Read more
Published 15 hours ago by Megan L. Nagle
5.0 out of 5 stars Five Stars
Great card. Love Amazon!
Published 1 day ago by bspjada
3.0 out of 5 stars Customer Service and Promotion fallacy
The Amazon VISA Card is great, however the Customer Service is not User Friendly or responsive to problems that are reported by User. Read more
Published 2 days ago by Charles Copeland
5.0 out of 5 stars Whomps my old credit card
This card has a much lower apr than my old Capital One card, I have only used this card since for my credit card purchases. With the reward points on top of it, I love it!
Published 3 days ago by Brian
1.0 out of 5 stars Insecure card, terrible customer service trying to replace it
My card was somehow duplicated by a card skimmer while I was on vacation. Chase promised me a replacement card the next day, but screwed it up. Read more
Published 5 days ago by SAA
1.0 out of 5 stars Cannot figure out how to pay the stupid thing. It is nothing but a...
I have never gotten a statement . Cannot figure out how to pay the stupid thing. It is nothing but a pain in the butt. They want payment in 3 days but will not let me pay it. Read more
Published 5 days ago by renrogue
5.0 out of 5 stars Five Stars
I love it. Thanks!
Published 5 days ago by kimberly bory
1.0 out of 5 stars I recommend no one apply for this card
I was promised an instant $50.00 credit towards my order if I applied for the card in the middle of my purchase, which application, the solicitation said, would be approved or... Read more
Published 6 days ago by Scott M.
5.0 out of 5 stars Five Stars
I love this card because I can find other items that I can not find anywhere else. Thank you
Published 8 days ago by Maria Gonzalez
4.0 out of 5 stars Four Stars
interest rate is kinda high. Many banks and other cards are 12% and under.
Published 8 days ago by Frank L. Duncan
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Topic From this Discussion
Credit approval?
I like alot of other people applied over a week ago and still haven't received a response. I have perfect credit, have a great salary and have two other credit cards with Chase so I don't understand what the problem is or who to contact to find out status or to cancel the application so my... Read More
Dec 15, 2012 by Amy StP |  See all 102 posts
Chase interest Bait & Switch
What lead you to believe it would be instantly authorized? It notes it will be available as soon as you are approved. It makes not guarantee you will be instantly approved.
Dec 16, 2012 by CC |  See all 19 posts
Am I able to earn points on Amazon Smile?
I say yes. I checked my Visa statement from last month and I only shop on amazon smile with my Chase Amazon Visa. The statement details the rewards earned in each category. I had no 1% rewards, only 3% rewards from Amazon.
Jun 28, 2014 by Dylan |  See all 4 posts
just getting the the 30 bucks ?
Another card builds my credit rating and the 30 bucks is a bonus!
Dec 5, 2013 by Mary Allen |  See all 3 posts
Amazon credit cards
That same exact process just happened to me. I have not placed my order either. It's not that i do not have the money, its the principle of their actions. I can get approved for a house or car faster than 30 days.
Jun 6, 2013 by Brian Mossburg |  See all 19 posts
amazon credit card Be the first to reply
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