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Review of the Amazon.com Store Card, Amazon Rewards Visa Signature, and Amazon Prime Rewards Visa Signature

John Ganotis

John Ganotis | Reviews

Jul 10, 2017 | Updated Oct 16, 2017

Although Smashed media does receive compensation from some card issuers as advertisers, this does not in any way influence our overall judgement of a card, or how one card is compared to another. Amazon, Visa and Chase have not endorsed this content in any way.

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If you’re one of the millions of frequent Amazon shoppers you’ll probably find a way to save money with one of their credit cards: the Amazon.com Store Card, the Amazon Rewards Visa Signature Card, or the Amazon Prime Rewards Visa Signature.

Read on to see what each of these cards offer, how they differ, and if one of them might be right for you.

Here’s a quick breakdown of each card and for whom it might be a good fit:

  • Amazon.com Store Card: People who want to make a big purchase on Amazon.com and pay it off in full over a fixed amount of time, but don’t care about getting a card that can be used outside of Amazon.
  • Amazon Rewards Visa Signature: People who are not Amazon Prime subscribers and want to earn Amazon credit on purchases anywhere Visa cards are accepted. It’s especially good for people who spend a lot on Amazon, at restaurants, at gas stations, and at drugstores.
  • Amazon Prime Rewards Visa Signature: People who are Amazon Prime subscribers and want to earn Amazon credit on purchases anywhere Visa cards are accepted. It’s especially good for people who spend a lot on Amazon, at restaurants, at gas stations, and at drugstores.

Where Can I Use These Amazon Cards?

Amazon.com Store Card Only on Amazon
Amazon Rewards Visa Signature Anywhere Visa credit cards are accepted
Amazon Prime Rewards Visa Signature Anywhere Visa credit cards are accepted

The Amazon.com Store Card can only be used on Amazon, while the Amazon Rewards Visa Signature Card and Amazon Prime Rewards Visa Signature Card anywhere that Visa is accepted (which is pretty much everywhere that accepts credit cards).

Amazon.com Store Card
  • Editors’ Rating
Apply Now

Amazon.com Store Card

For People with
Fair Credit

  • Annual Fee: $0
  • Interest Rate: 26.99% Variable
Quick Card Facts
  • 5% cash back for Amazon Prime members
  • Special 0% APR financing deals from 6 months to 24 months
  • $10 Amazon gift card when approved
  • No annual fee

Amazon Rewards Visa Signature Card
  • Editors’ Rating
Apply Now

Amazon Rewards Visa Signature Card

For People with
Good Credit

  • Annual Fee: $0
  • Interest Rate: 14.99%–22.99% Variable
Quick Card Facts
  • Earn 3% back at Amazon.com
  • Earn 2% back at gas stations, restaurants, and drugstores
  • Earn 1% back on all other purchases

The information for Amazon Rewards Visa Signature Card has been collected independently by Smashed media. The card details on this page have not been reviewed or provided by the card issuer.

Amazon Prime Rewards Visa Signature Card
  • Editors’ Rating
Apply Now

Amazon Prime Rewards Visa Signature Card

For People with
Good Credit

  • Annual Fee: $0
  • Interest Rate: 14.99%–22.99% Variable
Quick Card Facts
  • Requires active Prime membership
  • Cash back can be redeemed at Amazon.com checkout
  • Earn 5% back at Amazon.com
  • Earn 2% back at gas stations, restaurants, and drugstores
  • Earn 1% back on all other purchases
  • Get a $70 Amazon.com Gift Card instantly upon credit card approval

The information for Amazon Prime Rewards Visa Signature Card has been collected independently by Smashed media. The card details on this page have not been reviewed or provided by the card issuer.

The Rewards

Amazon.com Store Card

For non-Prime subscribers, this card doesn’t earn any rewards, and the main appeal is the special financing offers.

For Prime subscribers, this card earns 5% back on purchases, in addition to providing some special financing offers. This 5% back is issued as Amazon credit.

The special financing offers on this card work as follows:

  • No interest for 6 months on purchases of at least $149 if paid in full by the end of the 6 months.
  • No interest for 12 months on purchases of at least $599 if paid in full by the end of the 12 months.
  • No interest for 24 months on select Amazon.com items if paid in full by the end of the 24 months.

Minimum monthly payments are required for all of the finance plans.

Caution: It’s important to note these are deferred interest offers. They do not work the same way many 0% introductory APR offers work. If you fail to pay back your entire purchase within the time frame or make a late payment, you’ll be charged interest going all the way back to the purchase date.

There is also something called equal monthly payment financing offered on some items, which allows you to split up a purchase into 12 equal payments with a 0% intro APR.

When you’re approved for this card, you’ll also get $10 Amazon Gift Card applied to your account.

If you get 5% back as an Amazon Prime subscriber, you will not be able to get rewards on purchases with special financing offers. When checking out, Prime users will be given a choice to either earn the 5% back or choose an eligible financing plan.

Amazon Rewards Visa Signature

The Amazon Rewards Visa Signature doesn’t offer special financing plans like the Amazon.com Store Card, but it earns you Amazon credit on purchases.

This card will earn you:

  • 3% back on purchases from Amazon
  • 2% back at restaurants, gas stations, and drugstores
  • 1% back on every other purchase
  • A $50 Amazon Gift Card when you’re approved for the card

All rewards earned are available as Amazon credit on your Amazon account.

Amazon Prime Rewards Visa Signature

The Amazon Prime Rewards Visa Signature is almost the same as the non-Prime version, but it’s only for Prime subscribers, earns 5% back instead of 3% back on Amazon purchases, and comes with a bigger bonus when you’re approved.

This card will earn you:

  • 5% back on purchases from Amazon
  • 2% back at restaurants, gas stations, and drugstores
  • 1% back on every other purchase
  • A $70 Amazon Gift Card when you’re approved for the card

All rewards earned are available as Amazon credit on your Amazon account.

The Verdict

The store card is quite different from the two Visa Signatures.

If you want to make a big purchase on Amazon and pay it off over time, the Amazon.com Store Card may be a good one to consider, although you might be able to get better terms with a non-store-specific card that has a 0% introductory APR offer, since the Amazon.com Store Card has the potential to charge you deferred interest.

Otherwise, if you’re looking to earn rewards you can use at Amazon, especially for purchases on Amazon, the Visa Signature cards are clearly a better option. If you’re a Prime subscriber you’ll have more rewards-earning potential with the Prime Rewards Visa Signature than just the 5% back you would earn with the Amazon.com Store Card, and if you’re not a Prime subscriber the Amazon Rewards Visa Signature is the obvious choice for earning rewards.

The Costs & Fees

Card Annual Fee Regular APR Regular Balance Transfer APR Cash Advance APR Foreign Transaction Fee
Amazon Store Card $0 26.99% Variable N/A N/A N/A
Amazon Rewards Visa Signature Card $0 14.99%–22.99% Variable 14.99%–22.99% Variable 25.74% Variable None
Amazon Prime Rewards Visa Signature Card $0 14.99%–22.99% Variable 14.99%–22.99% Variable 25.74% Variable None
Card Penalty APR Late Fee Returned Payment Fee
Amazon Store Card None Up to $35 N/A
Amazon Rewards Visa Signature Card None Up to $37 Up to $37
Amazon Prime Rewards Visa Signature Card  None  Up to $37 Up to $37

The Verdict

None of these cards has an annual fee, which is great for cards that have such high rewards potential.

Take note of the relatively high APR on the Store Card, as well as the interest rate range of the Rewards Visa. You’ll want to pay your balance in full to avoid any heavy interest payments, which will quickly eat up any rewards you earn. And, if you do any special financing, you’ll want to make sure you pay off the promotional balance before the period ends to avoid deferred interest at such a high APR.

You’ll only be able to use the Store Card for purchases at Amazon – no balance transfers or cash advances. The two Visa Signature cards allow balance transfers and cash advances, although they don’t provide competitive balance transfer offers.

The Bottom Line: 2, 5, & 5 Stars out of 5

We gave the Amazon.com Store Card 2 out of 5 Stars. It’s a pretty basic card, and unless you’re a Prime subscriber you won’t get any rewards beyond the $10 Amazon gift card when you’re approved. If you’re a Prime subscriber, the Amazon Prime Rewards Visa Signature a better choice for rewards. The real value some people may get out of this card is the special financing deals, but you might be able to get a 0% APR offer on a card that isn’t store specific and doesn’t have deferred interest like this one. We see the possibility of deferred interest as a negative for this card, since there are many 0% APR offers available on other cards without deferred interest.

The Amazon Rewards Visa Signature and Amazon Prime Rewards Visa Signature each get 5 out of 5 Stars. There’s no annual fee, but if you shop on Amazon a lot you’ll earn some great rewards, with even higher rewards if you’re a Prime subscriber. And these cards earn decent rewards on other common purchase categories, too.

Frequent Amazon shoppers are likely missing on lots of Amazon credit by not using one of the Visa Signature cards, especially Amazon Prime customers.

If you’re already an Amazon Prime member, it seems like an easy decision to apply for the Amazon Prime Rewards Visa Signature, use it for all Amazon purchases, and pay off the balance in full every month to avoid interest. Depending on what other cards you have, either one of these Amazon Rewards Visa Signature cards be you most rewarding card for spending on restaurants, gas stations, and drugstores.

If you don’t want to pay the yearly fee for Amazon Prime, but still want to earn rewards on Amazon, the Amazon Rewards Visa Signature is a surprisingly rewarding card with no annual fee. You’ll get that 3% back when you shop at Amazon, and you can use the card elsewhere when you don’t have another card that will earn you more in rewards.

Was this review helpful to you? Go ahead and share it with a friend! And if you use one of these cards, click to leave your own review of the Amazon.com Store Card, the Amazon Rewards Visa Signature, or the Amazon Prime Rewards Visa Signature we’d love to hear from you!

Was this helpful?
  • Michael

    Don’t use this card. Chase are only interested in taking care of merchants, not customers.
    I charge 1/2 of a large transaction to my amazon/chase credit card and 1/2 to my USAA credit card. After the merchant didn’t deliver on the services I asked for, I disputed the charges with both credit card companies.
    Chase/Amazon didn’t refund my money, even after 3-4 attempts to provide them with my point of view and documents that proved the merchant was in the wrong.
    USAA refunded my money, no questions asked.
    Conclusion…don’ use Chase credit cards or banking. USAA is the best bank, credit card and insurance company I have ever worked with.
    Needless to say I cancelled my Amazon/Chase credit card after they refused to refund my money on a fraudulent charge.

  • Jami Jo Williams

    I have had an Amazon prime store card since November. They were offering $70 off of purchase if I apply for Amazon signature visa. I applied and was approved. I wasn’t ready to use the Amazon visa so the $70 gift card was sitting in my Amazon account to use. I ended up purchasing something totally different and put the charge on my Amazon store card and not the visa. The question is, will they cancel my store card or will I still have both cards.

  • Peter Skupiewski

    Amazon Rewards Visa Card – Lots of hidden fees they don’t tell you about. I was charged a $25.00 fee for having a positive balance on the card. There are much better reward credit cards you can choose from. One of the best being a Tangerine MasterCard.

  • Can the Amazon Prime Store Card by used on Amazon Pay transactions–and if so will I earn the 5% cash back?

  • fuzz

    How do I know if I’m getting my cash back. It’s listed on the invoice when I use it but the charges are still on the credit card. I’ve talked with both Chase and Amazon and have not received and understandable answer.

    • John Ganotis

      The cash back is awarded as credit on your Chase account that you can apply at checkout on Amazon. You don’t get a discount when making purchases.

      • fuzz

        I know that. It’s listed on Amazon’s invoice when I use it, but I don’t see the cash back on my Chase card.

        • John Ganotis

          I don’t think I quite understand the problem. If you’re seeing the available Amazon credit you have show up when you’re checking out on Amazon, what’s the issue? When you’re checking out on Amazon you can choose whether you want to use some or all of the cash back credit you have available.

          • fuzz

            The problem is with my Chase statement. All the things I bought are listed at their original price and added to the total charge for the month, but I can’t find where I’m getting any cash back.

          • John Ganotis

            There is no indication of a discount on your Chase statement. It’s reflected in the price on your Amazon receipt when you check out and apply any of the credit you’ve earned with the card. For example, if you buy something for $9 on Amazon and choose to apply $2 of Amazon credit that you’ve previously earned, you’ll pay $7 on the card and see a $7 transaction on your statement.

          • fuzz

            Example: I buy a $12 item. I my use my points on the order which amount to $12 and Amazon lists a 0 balance for the item. When I get my Chase statement the $12 is listed in my charges and I don’t see where I got any cash back.

          • John Ganotis

            If you apply $12 of credit at checkout that you previously earned with your card, then your Chase statement won’t even list the $12 transaction, since you covered the whole thing with credit and you don’t need to use the card to pay for any remaining amount.

          • fuzz

            THAT’S the thing. The charges ARE on the CHASE statement.

          • John Ganotis

            Then maybe you didn’t actually apply the credit at checkout? Are you seeing it’s being applied on your Amazon account, and that the rewards are from this Chase card and not some other type of credit card?

          • fuzz

            Yes, I already said Amazon applied the cash back at check-out. I think we are just going in circles. Thank you for trying to help. I appreciate it.

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