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See larger image Rewards Visa Card

by Chase
4.4 out of 5 stars  See all reviews (13,282 customer reviews)

  • You can start using your card today at after approval
  • Get a $50 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
Get your Free Credit Report. No Credit Card Needed.
Get your full Experian® Credit Report for free, and then search for the card that’s right for you in the Credit Card Marketplace presented by

Sign-Up Offer

  • A $50 Gift Card* will instantly be loaded into your Account upon the approval of your credit card application


  • 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

Product Description

Annual Percentage Rate
Purchase APR14.49% to 22.49%, based on your creditworthiness
Balance Transfer APR14.49% to 22.49%, based on your creditworthiness
Cash Advance APR25.24%
Overdraft Advance APR25.24%
Minimum Interest ChargeNone
These APRs will vary with the market based on the Prime Rate. Click here to see complete Pricing & Terms.
  • Prime Rate: Variable APRs are based on the 3.50% Prime Rate as of 12/22/2015
  • We add 10.99% to 18.99% to the Prime Rate to determine the Purchase/Balance Transfer APR. Maximum APR 29.99%
  • We add 21.74% to the Prime Rate to determine the Cash Advance/Overdraft Advance APR. Maximum APR 29.99%
Annual Membership Fee$0
Balance Transfer FeeEither $5 or 5% 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 transaction in US dollars
Return Check FeeNone
Late Payment FeeUp to $15 if the balance is less than $100; up to $27 if the balance is $100 to less than $250; up to $37 if the balance is $250 or more
Return Payment FeeUp to $37
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. Offer subject to change.

Earning Rewards- % Back, Points and Net Purchases: 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. Minimum redemption amounts apply to gift cards and cash back. 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. Additional promotional opportunities to earn points may be available with the rewards program. 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. Merchants who accept Visa/MasterCard credit cards are assigned a merchant code which is determined by the merchant or its processor in accordance with Visa/MasterCard procedures based on the kinds of products and services they primarily sell. 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 rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards 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. Purchases submitted by you or the merchant through third-party payment accounts (e.g. PayPal), mobile or wireless card readers, online or mobile digital wallets, or similar technology (collectively, “Technology”) will not qualify in a rewards category if the Technology is not set up to process the purchase in the rewards category. For more information about Chase rewards categories, see 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

Top Customer Reviews
10,086 of 10,616 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.
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6,179 of 6,530 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!
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5,036 of 5,488 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.
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2,201 of 2,500 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, 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 For instance, in 2010, I was offered 20% discount on specific TVs from 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 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.
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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 147 posts
Online payment
Hi. If you have a rewards card "visa" this is the site to go onto setting up a account. Hope this helps.
May 23, 2012 by GSD owner "Jess" |  See all 25 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 BW |  See all 5 posts
is this a credit card I can use right away
can u use visa card atm
Dec 26, 2014 by SIERRA |  See all 4 posts
rewards point balance
Go to "your account" and then "shop with rewards" (I believe that's what it's called). Its definitely under your account and in the second section on the left hand side. (I just checked mine a few minutes ago but can't remember exactly what the header was.
Apr 11, 2013 by Erika A. Huff |  See all 2 posts
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