Rewards Visa Card
See larger image Rewards Visa Card

by Chase
4.1 out of 5 stars  See all reviews (2,634 customer reviews)

  • You can start using your card today at after approval
  • Get a $30 Gift Card* instantly upon credit card approval
  • Earn 3% Back at
  • 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 then find the card that’s right for you in the Credit Card Marketplace presented by Experian.

Sign-Up Offer


  • Get Rewarded on Every Purchase: 3% Back at, 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 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 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.
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 FeeNone
Late FeeUp to $35
Return Payment FeeUp to $35
Over the Credit Limit FeeNone
Other Information
Rewards TypePoints
IssuerChase Bank USA, N.A.
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. 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, 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 3% Back applies only to purchases made at (including digital downloads, Gift Cards, Amazon Fresh orders, Amazon Prime subscription, and items sold by third-party merchants through’s marketplace). 3% Back does not apply to purchases made at,,,,, or any other website operated by, 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.

* Gift Cards: Gift Cards are issued by ACI Gift Cards, Inc., a Washington corporation. For complete terms and conditions, see No expiration or service fees.

Additional Information/Frequently Asked Questions for Current Cardholders

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

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

Determining Points Available for Use at Your 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

Getting Additional Help with Your Rewards Visa Card: The 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

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

Customer Reviews

Most Helpful Customer Reviews
2,657 of 2,779 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 purchases, this is the card for me. Then I learned...

The 3 points only applies to purchases (plus a few other categories on, see below). Because so much of the merchandise on Amazon's site is not from "", but from affiliated and third party sellers, you may find that many of your purchases made on aren't really "" 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 (including digital downloads, Gift Cards, Amazon Fresh orders and Amazon Prime subscription). Purchases made at,,,,, or any other website operated by, 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!
Was this review helpful to you?
2,316 of 2,458 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 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.
Was this review helpful to you?
831 of 894 people found the following review helpful
I had the Amazon Rewards card from Chase years ago, from about 2005 to 2007. I was one of the very first Amazon Prime members. I used this card a LOT, loved getting the 3% back, and I never kept a balance on it. Then one day, Chase informed me that they would begin charging interest from the date of purchase rather than from the end of the statement cycle. In other words, they would be treating purchases as if they were a cash advance in terms of when interest applied. Mind you, I NEVER kept a balance on the card. I called someone at Chase in disbelief, saying, "It looks like you're charging me interest from the date of sale, unlike every other card on the planet." The customer service person simply said yes, that was true (no attempt to keep me). I immediately canceled.

I spent a lot with Amazon, apparently got too much in rewards (from Chase's perspective), and paid off my balance in full every month--so I guess Chase just wasn't making enough money. I noticed the $50 off the HDX promotion today, and I checked to see whether Amazon still sullied their reputation by associating with Chase. When I saw that they did, I had to write this review. Chase, you should be ashamed. I kept up my end of the deal, but I suppose you weren't making enough money on the fees you charge Amazon alone, so you changed the rules on me to try to squeeze out a few bucks. To this day, I will not consider a Chase card or Chase banking services.
Was this review helpful to you?
139 of 146 people found the following review helpful
1.0 out of 5 stars Deceptive practice July 10, 2013
By ecbot
My wife had this card and for reasons not germane to this review, had been carrying a balance. When she managed to sign up several clients in quick succession in her business, we decided to pay off this card and close the account. She paid off the entire balance nine days before the payment due date. In the Terms and Conditions, in a section titled, "How to Avoid Paying Interest on Purchases", it clearly states, "We will not charge you periodic interest on purchases if you pay your entire balance by the due date each month." Yet when a new statement was posted a few weeks later, interest on purchases was being charged to the account, contrary to the Terms and Conditions statement.

We prepared a document with cut/pastes from the Terms and Conditions and the current and previous statements and called Chase two days later to dispute the interest charges. As soon as we questioned the charges, without even getting a chance to cover the points in our prepared document, we were told that since she has been a customer in good standing, they were going to wipe the charges off the account and complete the closing of the account.

Credit card companies very rarely rescind charges that are legitimately owed to them. Obviously I can't prove intent but I'm VERY suspicious that these charges were applied with the idea that less attentive people will simply pay them. As soon as it appears to them that you've actually read the Terms and Conditions, they appear gracious by wiping out the charges.

Was this review helpful to you?
Most Recent Customer Reviews
5.0 out of 5 stars Five Stars
Very easy to use and great customer service
Published 13 minutes ago by lauri gurnett
1.0 out of 5 stars Does not support Apple Pay
I was very disappointed to find out that my Amazon Rewards Visa Card was not supporting Apple Pay. Chase has most every other Visa card available, but no Amazon card. Read more
Published 3 hours ago by Hu-man
5.0 out of 5 stars Five Stars
It's a great card. And an amazing app.
Published 11 hours ago by karma
1.0 out of 5 stars This card could be hazardous to your credit
I had an impeccable credit rating until I owned this card for 6 months. I had problems trying to set up autopay, and my messages with the Chase were never returned, and autopay... Read more
Published 12 hours ago by Bob
3.0 out of 5 stars Three Stars
Hard to understand how to use and claim your rewards points.
Published 13 hours ago by Shawn Walker
5.0 out of 5 stars Five Stars
I just love it, great reward, low rates just a great card
Published 15 hours ago by nicachepe
4.0 out of 5 stars Apple pay
I was just about to apply for another credit card and cancel this one because it does not work with Apple Pay. Read more
Published 20 hours ago by Norman Z Zhao
4.0 out of 5 stars Four Stars
Published 1 day ago by Xiaoyin Jin
1.0 out of 5 stars Wife obtained this card against my wishes only for the ...
Wife obtained this card against my wishes only for the free money. Who needs another card to give more power to credit companies who already hold an inordinate power in every... Read more
Published 1 day ago by Nazcougar
4.0 out of 5 stars Good card
Good card, easy to use and nice rewards program.
Published 1 day ago by Fred
Search Customer Reviews
Search these reviews only


Search Customer Discussions
Search all Amazon discussions

Topic From this Discussion
Credit approval?
Funny, I just received an approval email today, after 6 weeks of waiting!! Even funnier is that I wrote a post a couple weeks ago with Amazon's response which had the Chase phone # and it says Amazon deleted it. I'm guessing it was because I said something similar to you: Amazon is a powerful... Read More
Jan 3, 2013 by Amy StP |  See all 104 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
Elizabeth Weber when you dial 1888-247-4080 which is shown on the back of your credit card you will get a voice mail asking you to pust an assortment of buttons which sometimes do not take you to a real human person. so DIAL 0 (zero) and a live real person will assist.
Feb 26, 2014 by viviana cornett |  See all 2 posts
$30.00 reward
I ordered $164.97 owrth of junk, applied for the card, was approved, but they did apply the $30.00 instant rebate as advertised. I think amazon should send me $30.00, if they dont i will cancel this card when it comes..
Jun 6, 2013 by Beverly Gussa |  See all 4 posts
Cancellation Be the first to reply
Start a new discussion
First post:
Prompts for sign-in