Amazon Rewards Visa Signature from Chase Review

Amazon Rewards Visa Signature from Chase ā€” all information about the credit card.

By Myfin Team
Updated February 12, 2024
Chase Amazon Rewards Visa Signature
Learn more
Our Rating:
3.65 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Back at Amazon.com.
    • 3% Back at Whole Foods Market.
    • 2% Back at restaurants, gas stations, and drugstores.
    • 1% Back on all other purchases.
  • Intro Offer:
    • $100 Amazon Gift Card instantly upon approval.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    19.49% - 27.49% Variable
  • Balance Transfer APR:
    19.49% - 27.49% Variable
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Chase Amazon Rewards Visa Signature Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
3%
Amazon purchases
$
3%
Whole Foods Market
$
2%
Gas
$
2%
Dining
$
2%
Drugstore
$
1%
All other purchases
$
Have you already recieved the Chase intro bonus?
Calculate
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All benefits

  • Cash back
    • 3% At Amazon.com.
    • 3% At Whole Foods Market.
    • 2% At restaurants, gas stations, and drugstores.
    • 1% On all other purchases.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 19.49% - 27.49% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 19.49% - 27.49% Variable
  • APR for Cash Advances
    • 29.99% Variable
  • How to Avoid Paying Interest
    • Your due date will be a minimum of 21 days after the close of each billing cycle. You will not be charged interest on new purchases if you pay your entire balance or Interest Saving Balance by the due date each month. You will be charged interest on balance transfers and cash advances on the transaction date.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • Either $5 or 5% of the amount of each transfer, whichever is greater
  • Fees for Cash Advances
    • Either $10 or 5% of the amount of each transaction, whichever is greater
  • Return Payment
    • Up to $39
  • Late Payment
    • Up to $39
  • Return Check
    • None
View all Rates & Fees

Pros & Cons

Pros:
  • Rewards program
  • No Annual Fee
  • No foreign transaction fees
  • Amazon and Whole Foods discounts
  • Sign-up bonus
  • Decent credit limit
Cons:
  • Fair credit score required
  • Limited rewards categories
  • High balance transfer and purchase APR

Features

Classic
Visa
Contactless
  • No Annual Fee
  • No foreign transaction fees
  • Payment Flexibility
  • Rewards
  • Good Credit
  • Excellent Credit

About the issuer

Chase has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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Chase Amazon Rewards Visa Signature Credit Card Review

Nowadays, prominent retailers like Amazon and Walmart offer a wide range of services, so itā€™s only natural to consider getting a credit card with special rewards on everyday purchases at these shops. The Amazon Rewards Visa Signature Card allows users to earn reward points on their purchases and redeem them for a variety of rewards, including cash back, gift cards, travel, and merchandise. It offers rewards for purchases made at Amazon.com, Whole Foods, restaurants, gas stations, and drugstores.

Chase Amazon Rewards Visa Signature Credit Card: pros and cons

Pros: Cons:
Rewards program. One of the main benefits of the Chase Amazon Rewards Visa Signature Card is its rewards program. The Card allows you to earn Amazon points on your purchases that can be redeemed for a variety of rewards, including cash back, gift cards, travel, and merchandise. Fair credit score required. The credit card requirement is to have at least 640 points to be approved, which is considered a Ā«fairĀ» credit score. It may be a drawback for those with lower credit scores or limited credit history, as their approval rate chance is lower.
No annual fee. The credit card does not have an annual fee, which means you can use the card and earn rewards without having to pay an additional fee to do so. Limited rewards categories. While the credit card allows you to earn points on purchases, the rewards categories are rather limited compared to similar credit cards. For example, the card doesnā€™t provide special rewards on such common categories as bills and utilities, hotel bookings, and entertainment.
No foreign transaction fees. This credit card doesn't charge foreign transaction fees outside of the US, which can be a significant advantage for travelers. High balance transfer and purchase APR. High APRs can result in significant interest charges, which can make it more difficult to pay off your debts. A high APR makes it more expensive to make purchases with your credit card, as you will be charged more in interest.
Amazon and Whole Foods discounts. As an Amazon cardholder, you can receive special discounts and offers at Amazon.com and Whole Foods Market.
Sign-up bonus. The credit card comes with a sign-up bonus of $100 Amazon gift card instantly for new cardholders who meet certain spending requirements.
Decent credit limit. Starting at $500, user reports suggest that your max credit limit can go as high as $10 000 depending on your credit history and income.

Rewards system in a nutshell

The main asset of the Chase Amazon Rewards Visa Signature card lies in its rewards system.

With this credit card, you can earn 3% back rewards (points) per dollar spent on Amazon.com and Whole Foods Market purchases, 2 points per dollar spent at restaurants, gas stations, and drugstores, and 1 point per dollar spent on all other purchases.

There are three ways you can redeem your back rewards:

  • Statement credits. When you redeem your points for statement credits, each point is worth 1 cent, so 10,000 points can be redeemed for a $100 statement credit.
  • Amazon.com purchases. When you redeem your points for Amazon.com purchases, each point is worth 0.8 cents, so 10,000 points can be redeemed for an $80 Amazon.com purchase.
  • Gift cards. You can redeem your points for gift cards at a variety of retailers. The value of your points will vary depending on the retailer and the type of gift card, but generally, they start at 2,500 points ($25).

If you are a member of the Amazon Prime program, you can get an additional 5% back on Amazon.com purchases when you use your card. You can't convert earned reward points directly to cash, but you can redeem them for statement credits.

Finally, the card offers a nice sign-up bonus ā€” you will receive a $100 Amazon gift card instantly. The value of the gift card doubles if the cardholder is a member of Amazon Prime at the time of approval.

Overall, the Chase Amazon Rewards Visa Signature Card offers a convenient and rewarding way to earn and redeem points on everyday purchases.

Who can benefit from getting the Chase Amazon Rewards Visa Signature Credit Card?

The Chase Amazon Rewards Visa Signature credit card may be a good fit for people who:

  • Shop frequently at Amazon.com or Whole Foods Market. With this Card, you can earn 3 points per $1 spent on Amazon.com and Whole Foods Market purchases, which can add up to significant rewards if you make purchases at these retailers frequently.
  • Dine out or travel frequently. The Credit Card also offers 2 points per $1 spent at restaurants, gas stations, and drugstores, which can be a good option for individuals who frequently dine out or travel and want to earn rewards on those purchases. Also, the card offers various travel-related benefits and guarantees, as well as 1 point per $1 spent on other purchases and no foreign transaction fee.
  • Pay off their balance in full each month. The Credit Card has a higher APR than some other credit cards, which means that carrying a balance from month to month can be expensive. As such, this credit card may be a better fit for individuals who can pay off their balance in full each month to avoid paying interest charges. Additionally, youā€™ll be charged a late fee of up to $39.
  • Value simplicity. The rewards program is straightforward and easy to understand, with a fixed earning rate on eligible purchases and no annual fee. This program may be a good fit for people who value simplicity and do not want to have to track multiple earning categories or tiers.

The Chase Amazon Rewards Visa Signature Card offers many earning categories and reward options, making it a flexible choice for those who want to earn rewards for their spendings. If you frequently make purchases at Amazon.com or Whole Foods Market, eat out or hit the road frequently, and have no balance debts, this card is a good fit for you.

Are there any other benefits?

Apart from an extensive rewards program and no foreign transaction fee, the Chase Amazon Rewards Visa Signature card comes with a number of additional perks:

  • Lost luggage reimbursement. If your carry-on luggage is damaged or lost by the carrier or stolen, youā€™ll be covered up to $3,000. This benefit also applies to your immediate family members.
  • Travel accident insurance. Use the Chase Amazon Rewards Visa Signature Card to pay for the plane, bus, plane tickets, or cruise to get up to $500,000 coverage in case of accidental death or dismemberment.
  • Baggage delay insurance. Your essential purchases like clothing and toiletries will be reimbursed if the carrier delays your bagger for over six hours. Youā€™ll be eligible to receive up to $100 a day for 3 days.
  • Travel-related emergency assistance. Even if youā€™re abroad, you can call Amazon Benefit Administrator for legal or medical advice or any emergency assistance.
  • Extended warranty and purchase protection. The Amazon Rewards Visa Signature Card allows you to extend the time period of eligible US manufacturers' warranties by an additional year for warranties of three years or less. It also covers new purchases made with the credit card for 120 days against damage or theft, with a maximum of $500 per claim and $50,000 per account.
  • Zero Fraud Liability. Zero Fraud Liability protects cardholders from being held responsible for unauthorized purchases made on their credit card.
  • Auto Rental Collision Damage Waiver. The waiver provides coverage for theft and collision damage for most rental cars in the US and abroad. In the US, this coverage is secondary to personal insurance.
  • Price protection. If you see an item you purchased with your card advertised for a lower price in a print ad, you may be able to get a refund for the price difference.

Conclusion

Overall, the Chase Amazon Rewards Visa Signature Card offers a convenient and rewarding way for individuals who want a credit card with no annual fee and foreign transaction fees to earn points on everyday purchases and spending like gas stations. While it has a fair credit score requirement, it does have high balance transfer and purchase APRs. The rewards categories are somewhat limited compared to other credit cards, which can even offer no interest for several months or years. Cardholders can also receive special discounts and offers at Amazon.com and Whole Foods, as well as a sign-up bonus upon approval.

It is also worth noting that if youā€™re an Amazon Prime member, consider the Amazon Prime Rewards Visa Signature Card. It offers all the same bonuses as the Chase Amazon Rewards Visa Signature Card, but it earns higher rewards on Amazon.com and Whole Foods and a bigger sign-up bonus. The Amazon Prime membership also grants you such perks as faster Amazon shipping, access to Amazon Music & Video services, and a 10% discount on Whole Foods. And when you need special financing, either of the Amazon Store Cards may be more helpful.

If you do not plan to use any of the Prime benefits and do not often purchase on Amazon, then the Standard Amazon Rewards Visa Signature Card might be the best option among these two cards.

FAQ

What is the customer service phone number for the Chase Amazon Rewards Visa Signature Credit Card?

The customer service phone number for the Chase Amazon Rewards Visa Signature Credit Card is 1-800-432-3117. This number is available 24/7 and can be used to speak with a representative about the issues related to your credit card account, including billing inquiries, account maintenance, and more.

How to check my application status for the Chase Amazon Rewards Visa Signature Credit Card?

You can check the status of your application by contacting Chase customer service. You can do this by calling the number on the back of your card or by visiting a Chase branch in person. Also, you can log in to your account at the Chase website and check the application status in the respective section.
It is better to wait at least two weeks after submitting your application before contacting Chase about your application status. Neither Amazon nor Chase can expedite the process, so it is best to allow sufficient time for the application to be reviewed.

What credit score do I need for the Chase Amazon Rewards Visa Signature Credit Card?

Overall, the Rewards Visa Signature card is relatively easy to get approved for, as the credit score needed falls into the Fair range. To have a good chance of being approved, you will need a minimum credit score of at least 640 points (Fico score of 670 or above).
It is worth noting that credit card approval odds can vary based on many factors. If you have a credit score higher than 640, your approval odds may be even better. However, whether you qualify for the card also depends on your credit history, bank statement, and overall financial profile. Note that you canā€™t pre qualify for this card, so you can't check if youā€™ll be approved before applying for the card.

How to get the Chase Amazon Rewards Visa Signature Credit Card reward points?

To earn reward points with the Chase Amazon Rewards Visa Signature Card, use the card to make eligible purchases. The number of points you can earn may vary depending on the type of purchase.
For example, with the Chase Amazon Rewards Visa Signature Card, you can earn 3 points per $1 spent on Amazon.com and Whole Foods Market purchases, and 2 points per $1 spent at restaurants, gas stations, and drugstores. You may also earn 1 point per $1 spent on all other purchases made with your card.

How to use the Chase Amazon Rewards Visa Signature Credit Card points?

The Chase Amazon Rewards Visa Signature Card allows you to earn points on your purchases during grocery shopping and spending at gas stations and drugstores. These points can be redeemed for a variety of rewards. To redeem your points, log in to your Chase account online or through the Chase mobile app.
Once you are logged in, you can view your available points balance and see a list of available redemption options. Typically, you can redeem your points for such rewards, including cash back, gift cards, travel, and merchandise.

How long does it take to get approved for the Chase Amazon Rewards Visa Signature Credit Card?

The time it takes to get approved for a credit card can vary depending on many factors, but for the Chase Amazon Rewards Visa Signature Credit Card it typically takes two or four weeks. After the decision, you will receive a notification by mail or email from Chase.

Do I need a credit card to make an Amazon account?

No, you don't need a credit card to create an Amazon account. When you sign up for an Amazon account, you can choose to enter your payment information, but this is not required. Instead, you choose from other payment methods, such as a debit card or bank account.
It's worth noting that Amazon does require a valid payment method on file to use certain features, such as Amazon Prime, which includes benefits such as free two-day shipping, streaming video and music, and more.

How to cancel the Chase Amazon Rewards Visa Signature Credit Card?

In order to cancel your Chase Amazon Rewards Visa Signature Credit Card, you need to contact Chase directly. Here are a few steps you can follow:
  • Gather any relevant information: make sure you have your account information, including your account number, on hand. You may also want to have your personal identification information ready, such as your license or social security number.
  • Contact Chase: call their customer service number or visit a Chase branch in person to speak to a representative, or send a letter to their address requesting that your account be closed.
  • Follow any instructions: When you contact Chase, they will provide you additional instructions you need to follow. For example, you may need to return any credit card materials, such as your physical credit card or any unused checks.
Myfin TeamMyfin Team

Author, editor

content@myfin.us
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