- Sign-Up Bonus
- 4.5
- Spending Multipliers
- 3.5
- Credits & Features
- 1.5
- Fees
- 5
- Application
- 3.5
- Issuer
- 5
Summary
- Sign-Up Bonus
- 4.5
- Spending Multipliers
- 3.5
- Credits & Features
- 1.5
- Fees
- 5
- Application
- 3.5
- Issuer
- 5
The Chase Amazon Visa is a solid no-annual-fee credit card designed for occasional Amazon shoppers who want rewards and travel protections without paying for a Prime membership. Unlike its Prime-branded counterpart, this card does not require Amazon Prime, making it a practical option for budget-conscious consumers who still shop regularly on Amazon and want no foreign transaction fees for international purchases. While it earns just 1% back on non-bonus categories, it delivers strong built-in benefits such as purchase protection up to $500 per claim (up to $50,000 per account), extended warranty coverage, auto rental collision damage waiver, baggage delay insurance, lost luggage reimbursement up to $3,000 per passenger, and travel accident insurance up to $500,000. The Chase Amazon Visa is best suited for light-to-moderate Amazon customers who value straightforward rewards and robust purchase and travel protections over premium earning rates or luxury perks.
Pros
Cons
Issuer
Chase, tracing its roots to 1799, has evolved into the largest bank in America with a global presence and over 240,000 employees. Founded with a mission to provide clean water to New York and using its surplus for its banking operations, Chase introduced its first credit card in 1958 and remains prominent in the credit card space, notably enforcing the "5/24 rule." Serving a diverse customer base with a focus on individuals and businesses, Chase offers a comprehensive range of financial products, including checking accounts, credit cards, loans, and investment services. With total assets reaching $4.6 trillion and an annual revenue of $280 billion in 2025, Chase stands as a financially stable institution. Committed to innovation, the bank invests $15 billion in technology, providing an intuitive online and mobile banking experience. Chase's philanthropic efforts align with addressing environmental and social challenges, exemplified by its Sustainable Development Target. Collaborating with various companies like Amazon, Southwest, United, Marriott, and Disney to name a few, Chase offers co-branded cards and operates over 4,700 branches in the US, emphasizing accessibility. Grounded in core principles, Chase strives to deliver exceptional client service, uphold integrity, and support employee growth, maintaining regulatory compliance as an FDIC, FINRA, and SIPC member and an equal housing opportunity lender.
Spending Multipliers
3%
Cash Back at amazon.com
3%
Cash Back on Amazon Fresh and Whole Foods Market
3%
Cash Back on Chase travel purchases
2%
Cash Back on gas stations
2%
Cash Back on dining
2%
Cash Back on local transit
2%
Cash Back on rideshare
1%
Cash Back on all other purchases
Credits & Features
Application
- Chase has a strict 5/24 rule, meaning you will be rejected if you opened 5 or more cards in the past 24 months
- Welcome bonus is only available if you don’t have this card and did not open a this card in the last 24 months
- Consider having at least a credit history for 1 year
- Avoid applying for more than 2 Chase cards in 30 days
Fees
- No Annual Fee
- No Foreign Transaction Fee
- Up to $39 late fee
- Up to $39 return payment fee
- 18.74% - 27.49% Variable APR
- 28.49% APR for Cash Advance
- $5 or 4% of each cash advance amount (whichever is greater)
- 18.74% - 27.49% APR for Balance Transfer
- $5 or 4% of each transfer amount (whichever is greater)