Amazon Prime Visa Vs. Amazon Prime Store Card: Which Is Better? (2024)

Both Amazon credit cards offer welcome bonuses to new customers, but they are modest to say the least.

With the Prime Visa, you will receive a $100 Amazon gift card (or more) upon approval with an eligible Prime membership.

With the Amazon Prime Store Card*, you will receive a Amazon.com gift card instantly upon approval.

Winner: The bonuses are very close so we’ll call this a tie.

Neither of the Amazon credit cards charge an annual fee.

Winner: It’s a tie.

Prime Visa

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On Amazon's Website

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4.5

Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

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On Amazon's Website

Up to 10% back

Earn 10% back or more on a rotating selection of products and categories at Amazon.com, 5% back on other purchasesRead More

Welcome Bonus

Get a $100 Amazon Gift Card (or more)

Annual Fee

$0

Regular APR

19.49% - 27.49% Variable

Credit Score

Good, Excellent(700 - 749)

Why We Picked It

For existing Prime members who frequently shop at Amazon and Whole Foods, the 5% rewards rate is stellar. To further sweeten the deal, thePrime Visa card offers a2% rewards category plus Visa Signature benefits.

Pros & Cons

• 5% cash back on Amazon and Whole Foods purchases
• No spending required for the welcome bonus
• No foreign transaction fees
• Travel and shopping protections

• Requires an Amazon Prime membership
• No 0% introductory APR
• Low cash back for purchases outside of bonus categories

Card Details

• Get a $100 Amazon Gift Card (or more) instantly upon approval exclusively for Prime members
• Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
• Prime Card Bonus: Earn 10% back or more on a rotating selection of products and categories at Amazon.com
• Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
• Earn unlimited 1% back on all other purchases
• No annual credit card fee
• No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
• Member FDIC

Get a $100 Amazon Gift Card (or more) instantly upon approval exclusively for Prime members

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

How you earn rewards is a key differentiator between the Amazon Prime Visa and the Amazon Prime Store Card.

When you use the Amazon Prime Store Card*, you will earn 5% back on Amazon.com purchases. If you regularly make purchases through Amazon, that’s a valuable rewards rate.

You’ll also earn 5% cash back at Amazon.com purchases with the Prime Visa if you have a Prime membership (which costs $139 annually). However, this card also allows you to earn rewards on non-Amazon purchases. The rewards for this card include 10% back or more on a rotating selection of products and categories at Amazon.com, 5% back on other purchases at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership, 2% back at gas stations, restaurants and on local transit and commuting (including rideshare), and 1% back on other purchases.

The ability to earn up to 5% cash back on Chase Travel purchases is a new perk, and it’s especially useful for frequent travelers that want to earn rewards on flights, hotel stays and cruises.

Winner: The Prime Visa is the clear winner since cardmembers can earn cash back on purchases made outside of Amazon.com.

Both cards give cardmembers access to special financing offers.

With the Amazon Prime Store Card*, you may be eligible for one of the following payment methods on select purchases:

• Equal monthly payments: At 0% APR financing, you can spread out your Amazon.com purchases into equal monthly payments. Depending on the amount of the purchase, you can make payments for six to 24 months.
• Special financing: On eligible purchases of $150 or more, you can make payments for six to 24 months. If you pay off the balance within the promotional period, no interest is charged. However, there is some risk involved. If you still have a balance at the end of the promotion period, the standard purchase APR will be applied from the date of the initial purchase.

As for the Prime Visa, 19.49% - 27.49% variable APR.

Winner: The Amazon Prime Store Card* has more payment options than the Prime Visa, though the 0% APR financing may prove more valuable overall. Which card is better will depend on your specific needs.

With both cards, you can redeem your cash back toward Amazon purchases as soon as the next day after earning those rewards.

But with the Amazon Prime Visa, there’s a new redemption option: You can now redeem your rewards at Chase.com for gift cards or travel, such as flights or hotel stays.

Winner: The Amazon Prime Visa gives cardmembers more options when redeeming their rewards.

The Amazon Prime Store Card can only be used at Amazon.com, so it doesn’t offer any travel benefits. By contrast the Amazon Prime Visa has useful benefits for travelers:

• Baggage delay insurance
• Roadside dispatch
• Auto rental damage collision waiver
• Travel accident insurance
• Travel and emergency assistance
• Lost luggage reimbursem*nt

Although the Amazon credit cards offer a high cash back rate at Amazon.com, they may not be a good option if you do the majority of your spending in one of the following categories:

Restaurants

If dining out is a major spending category for you, the Amazon cards may not be a good fit for you.

The Amazon Prime Store Card* cannot be used at restaurants, so you can’t earn cash back on those transactions. The Prime Visa can be used when you’re dining out, but you’ll only earn 2% cash back at restaurants. Other cards will net you a better return in this category.

Fuel

As a store card, the Amazon Prime Store Card can’t be used to purchase fuel. And while you can use the Amazon Prime Visa to get gas for your car, you’ll earn just 2% cash back.

If you have a lengthy commute and need to fill up your gas tank often, you can earn more rewards with other cards. See our list of best cards for gas for more details.

If you do a lot of your shopping through Amazon, getting the Amazon Prime Visa or Amazon Prime Store Card could be a financially-savvy decision. You’ll earn up to 5% cash back on your Amazon purchases—as long as you hold a Prime membership—and get access to special financing options, all without paying an annual fee.

If you have good credit, the Amazon Prime Visa is the superior choice over the Amazon Prime Store Card. You can earn cash back in non amazon spending, and you also get additional perks, such as travel insurance and extended warranty protection.

However, these cards only make sense if you do most of your shopping at Amazon. If you spend most of your money with other retailers, you could earn more rewards with another card.