Amazon Credit Card – How to Apply

By Raquel Oliveira • 03/03/2025

The Amazon Credit Card offers 3% cashback on purchases made at Amazon.com.

With the ability to earn 3% cash back on Amazon.com purchases for Prime members, 2% at restaurants, gas stations, and drugstores, and 1% on all other purchases, this card offers great value for everyday spending. 

Whether you’re shopping for gadgets, groceries, or anything in between, the Amazon Credit Card allows you to earn valuable rewards that can be used for future Amazon purchases.

In addition to its high rewards structure, the Amazon Credit Card also offers a generous sign-up bonus for new cardholders and the ability to redeem your rewards for Amazon purchases.

With no annual fee and financing options on larger purchases, this card provides flexibility and value for your shopping experience.

How does Amazon Credit Card work?

The Amazon Credit Card works by offering 3% cash back on Amazon.com purchases when linked with a Prime membership. For non-Prime members, the card still offers 2% cash back at restaurants, gas stations, and drugstores, as well as 1% cash back on all other purchases.

Cardholders also enjoy a sign-up bonus, which rewards you for your first purchase after being approved. The card offers the flexibility to redeem your rewards for purchases made on Amazon.com, ensuring that you can use your earnings toward future buys.

In addition to cash back, the Amazon Credit Card offers special financing options for large purchases, which can help make expensive buys more manageable.

However, the card comes with a relatively high APR, so it’s important to pay off your balance in full each month to avoid interest charges. Best of all, there is no annual fee, making it an excellent choice for those looking to optimize their spending without additional costs.

Main benefits for the Amazon Credit Card

• Worldwide Visa acceptance, making it a versatile card for online and offline purchases.
• 3% cashback on purchases made at Amazon.com, Amazon Fresh, and Whole Foods Market.
• 3% cashback on Chase Travel purchases, making it beneficial for travelers.
• 2% cashback at restaurants, gas stations, and local transport services.
• 1% cashback on all other purchases, ensuring rewards on every transaction.
• New cardholders receive a $50 Amazon gift card immediately upon approval.
• No annual fee, reducing overall card expenses.
• Cashback is redeemable within a day, allowing quick application toward new purchases.
• FDIC-backed security, ensuring safe transactions.

Tips to Maximize Rewards with the Credit Card

Using the Amazon Visa Credit Card strategically can help you get the most out of its rewards and benefits. Here are some tips to optimize your earnings:

• Use it for Amazon purchases: To maximize cashback, prioritize using the card for Amazon.com, Amazon Fresh, and Whole Foods Market transactions.
• Book travel through Chase Travel: Earn 3% cashback on travel bookings by using the card for flights, hotels, and rental cars.
• Take advantage of restaurant and gas rewards: Use the card for dining, gas stations, and transportation expenses to accumulate extra rewards.
• Redeem rewards regularly: Since cashback is available within a day, apply it to future Amazon purchases for continuous savings.
• Pair with Amazon Prime: Prime members get the highest cashback rates, so consider subscribing to unlock the full potential of the card.
• Avoid carrying a balance: With high APR rates, paying off the balance in full each month ensures that interest charges don’t eat into your rewards.

By following these strategies, you can make the most of your Amazon Visa Credit Card and maximize your savings on every transaction.

Fees & APR Details

• No annual fee, making it a cost-effective choice for Amazon shoppers.
• No foreign transaction fees, a plus for international travelers.
• Variable APR: 19.99% – 28.74%, based on creditworthiness.
• Balance transfer fee: 4% (minimum $5), which adds to costs if used for debt consolidation.

How to Apply for the Credit Card

• Visit Amazon.com or the card issuer’s website for detailed card benefits and terms.
• Click the “Apply Now” button and complete the online form.
• Provide details such as name, address, email, phone number, and income.
• The issuer conducts a credit check to determine approval.
• Some applicants may receive instant approval, while others may experience a short review period.
• Once approved, the physical card arrives via mail.
• Users can immediately start earning cashback and using their $50 welcome bonus.
• To unlock the 5% cashback on Amazon purchases, an active Amazon Prime subscription is required.

Who Should Get the Amazon Visa Credit Card?

This card is an excellent choice for individuals who:

• Shop frequently on Amazon and want to maximize cashback.
• Travel often and want to earn rewards on Chase Travel bookings.
• Dine out or commute regularly, benefiting from 2% cashback on restaurants, gas stations, and ride-sharing.
• Prefer a no-annual-fee rewards card with quick and easy redemption.

However, it may not be ideal for those who:

• Aren’t Amazon Prime members, as the best rewards rates are limited to subscribers.
• Carry balances, since the APR is relatively high.
• Prefer a more versatile rewards program that benefits multiple retailers.

Is the Amazon Visa Card Worth It?

For Amazon loyalists, the Amazon Visa Card is a powerful tool to maximize savings and earn valuable cashback. No annual fee, fast rewards redemption, and strong benefits on Amazon purchases make it an attractive option.

However, non-Prime members and those who shop elsewhere frequently might find more rewarding alternatives. The high APR also makes it less ideal for carrying balances.

If you shop on Amazon often and pay your balance in full, this card is a fantastic choice to boost your savings effortlessly.