Credit Cards
Amazon Rewards Visa: Cash Back & Visa Signature Benefits!
Amazon has changed how we shop and make purchases for many different things. Earn a $50 Amazon Gift Card and enjoy rewards! Read on!
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Get cash back at every purchase!
If you’re a frequent shopper at Amazon, you’re missing good rewards if you still don’t have an Amazon Rewards Visa Signature Card!
With the Visa Signature, your card gains extra value, and you’ll have great benefits. So keep reading and learn more!
| Credit Score | Good or Excellent; |
| Annual Fee | $0; |
| Purchase APR | Varies according to creditworthiness, from 18.99% to 26.99%; |
| Cash Advance APR | 29.79%; |
| Welcome Bonus | New cardmembers can happily enjoy a $50 Amazon Gift Card; |
| Rewards | From 1% up to 3% cash back for different categories of purchase; the higher rate is for Amazon purchases and also for shopping at Whole Foods. (You can change the 3% cashback on Amazon purchases for a 0% intro APR for 6 months to pay your balance with fixed installments). |
Amazon Rewards Visa Signature Card overview
In partnership with Chase, Amazon now offers the Amazon Rewards Visa Signature Card. A card to use everywhere Visa is accepted!
This is not a store card, even though it carries Amazon’s name. You can use it for everyday expenses and earn cash back for every purchase you make.
Moreover, it has no annual fee. But pay attention to high-interest rates and avoid carrying a balance.
In addition, this card charges no foreign transaction fee. However, you’ll get no bonus cash back for non-US Amazon purchases.
Generally, it is a regular credit card with no impressive features. So if you sign up for the PRIME Amazon membership, you can improve your rewards rates.
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Amazon Rewards Visa Signature Card main features
To help you visualize how this credit card performs, let’s align the pros and cons of this Amazon Rewards Visa Signature Card!
Pros
- Competitive rewards rate, with cash back ranging from 1% to 3%;
- You can opt for a 0% intro APR for 6 months instead of the 3% cashback rewards rate when you shop at Amazon. This way, you can split a big purchase into fixed installments without paying any interest for it;
- Visa Signature for extra benefits like extended warranty, travel insurance, roadside assistance, zero fraud liability, etc.;
- Zero foreign transaction fees, which, combined with the travel benefits of the Visa Signature, makes it a good option for travel;
- The $50 gift card for new cardmembers is pretty valuable for a credit card with a zero annual fee.
Cons
- The APR varies according to Prime Rate and also according to the client’s creditworthiness. If you don’t pay attention to your credit card balance, the APR can bite a good chunk of your money;
- The bonus cash back for Amazon purchases is valid only for US Amazon websites.
Minimum credit score to apply
Indeed, this credit card is a partnership between Amazon and Chase. Thus, Chase is very demanding in its eligibility criteria.
So, to apply for this credit card, you must provide a good or excellent credit score. However, there are not many other requirements.
How to apply for the Amazon Rewards Visa Signature Card?
The application process to get an Amazon Rewards Visa Signature Card is probably easier than you think.
It helps if you check the eligibility requirements and docs you must provide.
For this credit card, you must provide a good or excellent credit score and be a US citizen.
Moreover, Amazon and Chase do not specify a minimum annual income for new applicants.
Apply for the card: Online
The first step is to create your Amazon account if you don’t have one yet. Log in and find the credit card you’d like to apply in its marketplace.
Click on “Apply now.” The application form has 4 sections, and each one will require the following:
- Personal information: name, address, contact email;
- Inform your SSN, your mother’s name, phone, and birth date;
- Financial information: annual income and source of income;
- Read the terms, conditions, rates, and fees and check the boxes if you agree with them.
Submit your application and wait for the response! As soon as you get approved, you can already start using your credit card number on Amazon’s website.
Apply for the card: Mobile App
Amazon works similarly on the website and in the mobile app, both for purchases and credit card applications.
So, you can follow these same steps in your Amazon mobile app. Log in, look for the Amazon Rewards Visa Signature Card, and complete the application.
Amazon Rewards Visa Signature Card or Discover It® Secured Credit Card?
There are many credit cards out there with cash back rewards. So let’s check your options before you apply for the Amazon Rewards Visa Signature Card.
Both cards charge a 0$ annual fee and offer rewards.
If you have the required credit score, the Amazon credit card will offer you higher rates and Visa Signature benefits.
but if you still have to work a bit more on your credit history, the Discover It® Secured Credit Card is a great option.
The comparative table will you how these credit cards work:
| Amazon Rewards Visa Signature Card | Discover It® Secured Credit Card | |
| Credit Score | Good or Excellent; | All types of credit; |
| Annual Fee | $0; | $0 annual fee; |
| Purchase APR | Varies according to creditworthiness, from 18.99% to 26.99%; | 27.29% variable; |
| Cash Advance APR | 29.79%; | 29.49% variable; |
| Welcome Bonus | New cardmembers can happily enjoy a $50 Amazon Gift Card; | Unlimited Cashback Match: every cashback you’ve earned during the year will be doubled for you; |
| Rewards | From 1% up to 3% cash back for different categories of purchase, the higher rate is for Amazon purchases and also for shopping at Whole Foods. (You can change the 3% cashback on Amazon purchases for a 0% intro APR for 6 months to pay your balance with fixed installments). | 2% cash back at gas stations and restaurants on up to $1k combined purchases each quarter; Earn 1% on all other purchases. |
Does the Discover iIt® seems like a better option, and you’d like to work on your credit score before applying for an unsecured rewards card? No problem!
We’ll show you everything about this credit card application process. So just click on the next link to read our full review.
Discover It® Secured Credit Card: how to apply
Learn how to apply for the outstanding Discover It® Secured Credit card. Earn up to 2% cash back on purchases and pay no annual fee! Read on!
About the author / Julia Bermudez
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