Amazon Credit Card – How to apply

By Raquel Oliveira • 03/20/2025

Amazon Credit Card: New cardholders receive a $50 Amazon gift card.

The Amazon Credit Card is designed for savvy shoppers who want to maximize rewards on everyday purchases.

Its rewards program is completely attractive, helping consumers save on their purchases, making it a valuable tool for those who trust Amazon to purchase special items or gifts. 

With benefits like high cashback rates on Amazon and Whole Foods, no annual fee, and special promotional offers, it’s a smart choice for those who love convenience, savings, and seamless shopping experiences both online and in-store.

In addition to its rewards program, this card includes useful tools for financial management and a series of features that improve the shopping experience. Next, we will better understand how the Amazon card works. 

How does the Amazon Credit Card work?

The Amazon rewards program card works as a credit card traditionally with a cashback program, but offers additional perks for frequent Amazon shoppers. 

Once approved, the card is linked directly to your Amazon account, making it easy to use for all purchases made on the platform. 

This integration ensures that rewards are automatically accumulated at the time of purchase, with cashback rates varying according to the expense category.

Key Benefits

• 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.
• Worldwide Visa acceptance, making it a versatile card for online and offline purchases.

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.

Drawbacks of the Amazon Visa Credit Card

While the Amazon Visa Card offers compelling benefits, it may not be the best fit for everyone. Here are some potential downsides:

• 4% balance transfer fee (minimum $5), which may not be cost-effective for those consolidating debt.
• The highest rewards rates are exclusive to Amazon Prime members.
• The variable APR ranges from 19.99% to 28.74%, which is relatively high.
• Carrying a balance can lead to costly interest charges.
• The card’s strongest perks are Amazon-focused.

APR and Fees

Although the credit card does not cover annual fees, it has other fees that may impact the cost-benefit for some users. 

An Annual interest rate (APR) varies between 18.99% and 26.99%, depending on the customer’s credit history, which makes it a less attractive card for those who do not pay their balance in full. 

And it’s worth considering that the card charges a 3% fee on transactions carried out outside the United States, something that can be an inconvenience for frequent travelers or those who make purchases on international websites.

It is also important to consider the penalties for late payment. Failure to pay on time can result in a fine of up to $40, a significant amount for those who don’t manage deadlines carefully. 

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.