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Amazon Prime Rewards Visa Signature Card Benefits Guide

Amazon Prime Rewards Visa Signature Card Benefits Guide
Written by publishing team

If you’re a regular Amazon Prime shopper, having an Amazon Prime Rewards Visa Signature card in your wallet is a no-brainer. This card rewards you with impressive cashback on Amazon and Whole Foods purchases, as well as at grocery stores, restaurants, and pharmacies. You’ll also get access to exclusive cardholder offers for a limited time of up to 25 percent off select items from Amazon.com.

However, this card is not just a bonus for online shopping. If you take the roads and skies as much as you shop online, you’ll love the travel protections and Visa Signature perks — like free, round-the-clock access to concierge services — that come with this card.

Read on to find out more about the Amazon Prime Rewards card and if it would be the next great addition to your credit card spin.

Amazon Prime Rewards Visa Signature Card . Structure

The most attractive feature of this card is the high reward earning rate on purchases through Amazon. Cardholders with an eligible Amazon Prime membership get 5 percent cashback on purchases from Amazon.com as well as Amazon-owned Whole Foods Marketplace.

Cardholders also earn unlimited 2 percent at restaurants, gas stations and pharmacies and 1 percent on all other purchases.

Amazon also offers a “Prime Card Bonus” of up to 25 percent cash back on select Prime purchases. The digital retail giant has a special page where cardholders can browse hundreds of eligible items to get an additional 10 to 25 percent off for a limited time.

Reward redemption options

With an Amazon Prime Rewards card, you actually earn points, not cash back. Each point equals one cent. To earn $1 in rewards, you’ll need to spend $20 on Amazon.com or Whole Foods purchases, $50 on gas station, restaurant, or drugstore purchases, or $100 on anything else.

You can redeem points through:

  • Applicable to eligible Amazon.com purchases
  • Trade it for cash as a statement of account on the card or as a deposit into an eligible checking or savings account
  • Redeem it for gift cards
  • Book travel – including hotels, flights, rental cars and cruises – via Chase
  • Amazon Prime Rewards Card Welcome Bonus

New cardholders earn a $100 Amazon gift card upon approval, with no minimum spending required. While other credit cards may offer more generous welcome bonuses, they usually come with significant spending requirements.

Visa Signature Privileges

While the Amazon Prime Rewards card is marketed as a retail card, it also contains many of the perks usually associated with travel credit cards.

Cardholders have access to a curated list of over 900 luxury hotels worldwide, known as the Visa Signature Luxury Hotel Collection. You’ll benefit from automatic room upgrades (subject to availability), free WiFi (when available), $25 food or beverage credit, free breakfast for two guests, late check-out on request (when available) and VIP guest status.

Cardmembers can also call the Visa Signature Concierge any time of the day (free of charge) for assistance with restaurant reservations, concert tickets, live entertainment, sporting events, and more.

No annual fee

While there is no annual fee for the Amazon Prime Rewards card, you need a $119 Amazon Prime membership to take advantage of the 5 percent delayed rewards tier. However, the $100 welcome bonus covers this roughly for the first year.

Amazon Prime Rewards Cardholder Protection

This retail card comes with travel, road and consumer protections that come in handy when you’re away from home or notice an unauthorized purchase on your credit card statement.

travel protection

The Amazon Prime Rewards card has many useful travel benefits. For starters, this card doesn’t charge foreign transaction fees, so it’s a solid option for international travel.

Cardholders can rest easy on flights knowing that if their luggage arrives more than six hours late, they’ll receive up to $100 a day for up to three days to cover essentials like clothing and toiletries. And if baggage is permanently lost or damaged, this card will reimburse up to $3,000 per passenger.

Additionally, if you need legal or medical help while away from home, you can contact the card’s benefits officer for travel and emergency assistance.

Roadside protection

You can also get help with this card when you are in trouble on the road, whether it is your car or a rental car. With Visa On-Road Dispatch, you can call a hotline to have your vehicle towed, get your vehicle running fast, get help with a tire change, access to a fuel delivery, and more. These services aren’t free, but you’ll be glad you can count on them in case of an emergency.

When renting a car in the US or abroad, you can decline the rental company’s collision insurance, and as long as you pay for the rental with your Amazon Prime Rewards card, you’ll be covered against collision damage and theft costs (secondary to your personal auto insurance).

consumer protection

If you notice purchases you didn’t make on your billing statement, zero liability for fraud for this credit card ensures that you won’t be liable for those transactions.

For items manufactured in the United States with eligible warranties that you pay for with your Prime Rewards card, Extended Warranty Protection will extend the warranty for another year. And with Purchase Protection, if an item you pay for with a card is damaged or stolen within 120 days of purchase, you can receive up to $500 for a replacement (maximum $50,000 per account).

bottom line

If you’re already an Amazon Prime member, adding an Amazon Prime Rewards Visa Signature card to your wallet can make Amazon’s low rates a great deal. If you use Prime regularly, a welcome bonus gift card and high-earning reward tiers for Amazon.com and Whole Foods purchases can cover your membership.

This card also offers competitive reward rates for off-Amazon purchases at gas stations, restaurants, and pharmacies, and comes with a host of benefits — roadside protection, concierge service, hotel privileges, and travel protection — making it a great choice for travelers.

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publishing team