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Prime Visa
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Customer reviews

4.2 out of 5 stars
39,344 global ratings

Customers say

Customers find this Amazon Visa card to be a great choice, praising its ease of use for making purchases and handling rewards. The card is convenient for all transactions, works well without issues, and customers consider it an excellent deal that saves money. They recommend it specifically for Amazon purchases, though some note that the interest rate is relatively high.
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19251 customers mention card quality, 18026 positive, 1225 negative
Customers love this credit card, describing it as the best rewards card and giving it five stars.
...recommend this card to anyone that shops Amazon on a regular basis, five stars!Read more
Great card like the credit to my points . They go to my amazon count for me to use when I order if I want . Highly recommend and can be used anywhere.Read more
Four starsRead more
Love it! Because I do more than half of my shopping on Amazon it makes my shopping experience so much easier! AND you can rack up points too! Win Win!Read more
4586 customers mention ease of use, 4392 positive, 194 negative
Customers find the payment card easy to use, particularly for making purchases, checking out, and managing rewards points.
...Easy to use, rewards, interest is reasonable, just pay your balance. Don’t buy if you can’t pay back within the terms, pretty straight forward to me....Read more
easy, flexible! Love it. Customer service has been very friendly, and online access is easily navigated. This is your all-around, all purpose card.Read more
I love it because it is very easy to use and you receive rewards for using it. When I use the card for amazon products there is a seamless process....Read more
...Just purchased Fear The Walking Dead Season 1. It's so easy to use, I even got cash once. I can't wait until they increase my credit limit! Hint....Read more
4213 customers mention rewards, 3987 positive, 226 negative
Customers love the rewards program of the Amazon Visa card, particularly enjoying earning points and cash back.
Great rewards! I used points to purchase an Amazon order. It also automatically pays my Prime subscription. Looking forward to getting the new card.😁Read more
I love my Amazon Prime Card, I love the rewards and I love how its linked to my amazon account and I can just click on it and buy my stuff, because...Read more
Great card. Good rewards. I charge everything I can to this card and be sure to pay it off every month! Good customer service....Read more
I love this card! The rewards are great and I love that you can use your points toward your purchases. The only bad thing - I use it too much! hahaha!Read more
2014 customers mention convenience, 1984 positive, 30 negative
Customers find the Amazon Visa card very convenient for all their purchases.
It is convenient and makes ordering easy. I use always on Amazon . This way amazon has mycard number and I do not have to go look for a card to pay.Read more
Very convenient and user-friendly to have when making purchases online at Amazon. The rewards points can be used to reduce the cost of your purchases.Read more
I love the convenience, accessibility, rewards and options available: Convenience - No need to enter card info on Amazon.com; Accessibility -Default...Read more
...So convenient! Plus, it’s a Visa, accepted mostly everywhere. And least but not last I am a big fan of Amazon! It is a business I really admire!...Read more
2006 customers mention reliability, 1606 positive, 400 negative
Customers find the payment card reliable, noting it works like any other credit card without any problems.
My first credit card and it has been very helpful I have had no problems and the cashback percent have added up quickly and I don't use the card much.Read more
Works great, love to have to convenience of using it for Amazon and other things. Probably a good thing I don't have a higher credit ceiling!Read more
What a great card. So far no issues and I see the rewards adding up. I just wish the interest rate was lower so I could do a balance transfer....Read more
...want to to be late so they can charge you predatory interest rates Don't do it! That was the worst mistake of my life!Read more
1455 customers mention value for money, 1148 positive, 307 negative
Customers find the payment card to be an excellent deal that saves them money, with one customer specifically mentioning the extra 5% off as a great benefit.
it is a great deal and you can build up points to be used to buy stuff at amazon which helps a lot it is like getting rewarded for shopping at amazonRead more
...as a consumer I would tell anybody to get this card it's definitely worth it as long as you can make the monthly low payments better than going to...Read more
...So It's a good deal for now and it's the best card I use to do shopping at amazon for now. Reasonably this is a very good and convenient credit card....Read more
...; unless you are using Amazon Prime for its services anyway, it's not worth it because you'll never make back enough to even pay off the membership...Read more
1392 customers mention recommendation, 1342 positive, 50 negative
Customers highly recommend this card, particularly for Amazon purchases, noting it's the best in their wallet.
I highly recommend this to anyone who frequently orders from Amazon, its very convenient being able to use your rewards cash back at checkout.Read more
...This card is highly recommended and again if you use the Chase app, then it's a few clicks every night to pay your bill. Sign up today!Read more
I highly recommend this card to everyone the service is awesome, the online service is fast and reliable, never have a problem or a complainRead more
It’s great to have and you can use it anywhere I wish I could get more points for the amount of money I spend but it’s really nice to haveRead more
1159 customers mention interest rate, 282 positive, 877 negative
Customers find the interest rate on the Amazon Visa card to be high.
...So after the late fee and high interest rate, this card is not worth the bother. The $50 introductory rebate was nice but that's how they get you.Read more
I like having the reward feature but I think the interest rate is too high. I would use it more if the limit was higher and the interest rate lower.Read more
The interest rate is way too high, so I always just use my regular credit card. I signed up for the store credit and that's all I used it for.Read more
Wow, this card is great! There's a low interest rate, low minimum payment, and you get a percentage back on EVERY purchase you make with the card -...Read more
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Top reviews from the United States

  • Dasi
    5 out of 5 stars
    No 30 second decision? Stunned? Don't be it's a security measure
    Reviewed in the United States on December 19, 2013
    Style: Amazon Visa
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    I NEVER go for credit offers and have excellent credit. Imagine my surprise when I got a message saying something like "we're sorry we are unable to process this... your application has been submitted for review" and saying it could take up to thirty days to render a decision. No I didn't miss any information on the form. I was left feeling disappointed, wondering if the whole rewards ad with $50 instant credit offer (which could be used on your current cart items) was nothing but a big sucking scam. An inquiry for nothing?

    Angry, I found my way to these reviews and what did I find? A slew of similar complaints. Some received a decision in a few minutes, some a day & some much later. Among these I found a few that said to call up and gave the number to Amazon Rewards Card Customer Service (Chase). The reviewers said that if you call Chase can verify whatever information they needed and can approve you once that is done.

    I called and though it took a little while to tell the story and get transferred to the correct department, that is exactly what happened. I was approved (after answering some questions verifying my identity). About an hour later the $50 showed up and I was able to shop right away. They tell you 48hrs so it may vary--mine just showed up sooner so go by what the person tells you but know it may be sooner.

    After going through the verification I was actually pleased to know that that step was required.

    So why did I give Chase (and Amazon) four stars?

    Well extra security in this day and age is a plus imo so I have no problem with them making sure it's the correct person. However, there should be a note in the ad that says "five minute verification process may be required" AND a number to call to complete verification (or it won't be only five minutes).

    It isn't that hard to be upfront about your product Chase--why not take my suggestion and save yourself the trouble of angry phone calls or cancelled applications from people who feel they've been tricked?

    If it hadn't been for the review section this would have been one of those cancellations so thank your customers for the helpful feedback Amazon/Chase.

    Thanks to all of the reviewers who warned about the problem as well as those who provided the solution. In keeping with that here is the number to call should you not get the 30 second decision:

    Amazon.com Rewards Visa Card: 888-247-4080

    Web site: Chase Card Member Services: (web address snipped by Amazon, which is slightly confusing to me since it can only help their customers...go figure).

    I'll update the rating and this post on how good the rewards are, etc., after I've been in the program for a while.

    *************

    Update:

    Upgraded to five stars

    This card is awesome and is my go to card for shopping now. They clearly lay out the point system so no surprises there. They also allow you to adjust payment due dates so if you call right away you can be sure to pick one that would be more suitable for you particular budget.

    A few things you can do to make using this card a breeze:

    1. Call in advance about the billing cycle. For those that don't know the interest-free grace period is good based on the billing cycle--not the due date. The cycle date i.e., the date the bill is generated, is what you need to be aware of when you want to avoid interest charges AND when you are making a payment. If you don't know your date you may have a problem as a payment you make later in the month(that you assumed would be applied as next month's payment)credits the card but only counts for the current month. In this case you would get a late penalty thinking you've paid on time.

    2. Change the due date. If you know the cycle date it's much easier to pick a payment date that is closer to it to avoid the above issue. It's also good so that you can pick a date that allows more pay periods beforehand or around bonus structures, etc. You can call and any Chase rep will gladly assist you with all of this info or you can make the changes yourself.

    3. Also be aware that any left over amounts due will carry the interest to all billing cycles so bye bye grace period. This is something most cards do so no big surprises there either. Just don't think if you pay off the bulk of the amount spent last month that the tiny balance left on the card is the only thing drawing interest when you add $$ to it the next month. Even if only $50 is left the grace period for new purchases is nulled. If your assigned apr is low that may not be a problem but it's still good to be aware of it.

    Again this info is for those that may not know.

    4. Use the number above if you had any trouble signing up or didn't get your promised rewards.

    One last thing, although it will sound like a commercial. Use the card for all Amazon purchases for the best rewards. No I'm not saying run up large debts--if you normally shop with amazon for monthly household items buy with the card & just pay the amount you would have used anyway to the card. Then you're only spending budgeted household money and earning big rewards.

    Pros:

    Great online service

    Good security

    Good rewards:

    3% cash back shopping on Amazon

    2% for restaurants, gas & office supply stores (it'd be nice if they add supermarkets to that list)

    !% for everything else

    It seemed pretty clear when I applied so maybe they've started explaining it better recently as older reviews note some confusion with the rewards.

    Cons:

    Better info about application process as I mentioned above along with a number to call if this applies to a particular customer.

    Instant correction of rewards credit may take jumping through a few hoops--as I said I received but it took lengthy transfers and scanning through tons of reward complaints to get it done. This should be readily offered information.

    Phoning may lead to a maze of transfers before getting to the right rep. It did get better after a while or maybe I just got used to the system.

    I'll add changing the card to your default shopping card (after approval) to the list since I feel that that's a choice you should be able to make yourself. They may have changed that (I wouldn't know) but remember to check before finalizing your first purchase after approval so you don't get surprised.

    *Other downsides I see in reviews aren't really "cons" but seem to stem from not understanding 1-4 above.

    Enjoy!

    888 people found this helpful
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  • Daniel Sopher
    5 out of 5 stars
    Recommended
    Reviewed in the United States on September 26, 2026
    Style: Amazon Visa
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    Great card and 3% cash earned. Recommended.

    I do wish the chase website was easier to navigate. I end up calling my payments in.

    One person found this helpful
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  • Linda Pruett
    5 out of 5 stars
    Great card
    Reviewed in the United States on September 10, 2026
    Style: Amazon Visa
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    I love my Amazon card. It makes shopping so much easier. The reeaoare great.

    3 people found this helpful
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  • Abby
    1 out of 5 stars
    Predatory interest policy - and I am a loan underwriter!
    Reviewed in the United States on March 19, 2018
    Style: Amazon Visa
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    This card has sneaky interest rate policies that you should be aware of prior to getting the card. I am a loan underwriter and credit analyst, so this experience was particularly irritating because I know exactly how credit cards work! I received my first statement and paid all but $25 (by accident, meant to pay in full) on time. So my carryover balance was $25, which I would expect to be charged interest for. However, on the next statement I see I have been charged interest for the full balance PLUS my new purchases, of which I was still within the grace period at that point. This happened again the following month. So I called Chase and was told that for this particular card, if you don't pay the balance in full they charge interest on the TOTAL balance - not the carry-over balance like most other credit cards, which in my case was $25 - PLUS they will forego the grace period on your current purchases! I told them I won't be using this card anymore, and that this is predatory. Beware, if you can't pay the balance in full by the due date each month, the interest you will be charged is not worth the rewards; you will wind up spending more on interest than you will receive back. My FICO is in the 800s and they are charging over 15% APR - with no grace period because of that $25 carryover the first month - so I imagine the average interest rate on this card is well over 20%. There are much better reward cards out there that don't practice usury.

    112,045 people found this helpful
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  • Me
    4 out of 5 stars
    Great
    Reviewed in the United States on August 27, 2026
    Style: Amazon Visa
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    It’s great

    7 people found this helpful
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  • Hassaan farooqui
    5 out of 5 stars
    Rewards are really good
    Reviewed in the United States on September 17, 2026
    Style: Amazon Visa
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    A little better credit limit would help.

    2 people found this helpful
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  • Colleen Dixon
    5 out of 5 stars
    Great card
    Reviewed in the United States on September 16, 2026
    Style: Amazon Visa
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    I love my Amazon it is very useful and the cash back is great

    One person found this helpful
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  • Eric Yambo
    5 out of 5 stars
    Awesome!
    Reviewed in the United States on September 3, 2026
    Style: Amazon Visa
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    It's an easy process and easier to place an order. The benefits of using it at the gas station or store(only if its really necessary). Very convenient, versatile, secure!

    6 people found this helpful
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