earnrate

Prime Visa

Chase · Personal card · Checked against Chase's terms Oct 24, 2026

The Prime Visa earns 5% cash back at Amazon, Amazon Fresh, Whole Foods Market and Audible with Amazon Prime; 2% cash back at gas stations, at restaurants and on transit; and 1% cash back on everything else. No annual fee.

Add it to your wallet

Where it's the best card

Audible (3%) · Amazon Prime Video (3%) · Amazon (3%)

Where it's in the top 3

Amazon Fresh (3%)

Earning rates

  1. 5
    Amazon 5% cash back
    Includes Amazon Fresh orders and third-party sellers on Amazon.com. Not on Amazon Pay purchases at other sites, or on Amazon's international sites.
    • With Amazon Prime

    “You'll earn 5% back with an eligible Prime membership or 3% back without an eligible Prime membership” creditcards.chase.com

  2. 5
    Amazon Fresh 5% cash back
    Amazon Fresh's physical stores closed or became Whole Foods in 2026, so this is mostly online orders.
    • With Amazon Prime

    “Amazon.com Gift Cards, Amazon Fresh orders, Amazon Prime subscriptions” creditcards.chase.com

  3. 5
    Whole Foods Market 5% cash back
    Online or in-store.
    • With Amazon Prime

    “including any physical Whole Foods Market locations in the United States” creditcards.chase.com

  4. 5
    Audible 5% cash back
    • With Amazon Prime

    “5% back at Amazon.com, Audible.com, Whole Foods Market” creditcards.chase.com

  5. 5
    Chase Travel 5% cash back
    Not on bookings made directly with airlines, hotels, car rental companies or cruise lines.
    • With Amazon Prime

    “5% back or 3% back through Chase Travel” creditcards.chase.com

  6. 3
    Amazon, Amazon Fresh, Whole Foods Market and Audible 3% cash back
    Without an eligible Prime membership these earn 3% instead of 5%.

    “3% back without an eligible Prime membership for each $1 of eligible purchases” creditcards.chase.com

  7. 3
    Chase Travel 3% cash back

    “3% back without an eligible Prime membership for each $1 spent on purchases” creditcards.chase.com

  8. 2
    Gas stations 2% cash back

    “2% back at gas stations, restaurants, and on local transit and commuting” creditcards.chase.com

  9. 2
    Restaurants 2% cash back
    Dine in or takeout.

    “2% back at gas stations, restaurants, and on local transit and commuting” creditcards.chase.com

  10. 2
    Transit 2% cash back
    Local transit and commuting, including rideshare.

    “local transit and commuting (including rideshare)” creditcards.chase.com

  11. 1
    Everything else 1% cash back

    “unlimited 1% back on all other purchases” creditcards.chase.com

Public welcome offer

$150 with no spending required, per the issuer's page. Offers vary by person and by how you apply. A $150 Amazon Gift Card loaded into your Amazon account on approval, not cash back; there's no spend requirement, so spend 0 and months 1 stand in for "on approval". For Prime members. Chase: available "if you do not currently have an Amazon Visa or Prime Visa credit card", and the gift card "is only awarded to new cardmembers and at the time of card approval."

Sources

Rankings compare personal cards, each set up at its best for the purchase, with points at earnrate's default value. Rates change; check Chase's terms before you apply.