Prime Visa: prime benefits for members

Last reviewed: September 2026. Credit card rewards, rates, fees, eligibility requirements and benefits may change. Always review the issuer's current terms before applying or making a financial decision.

The Prime Visa is a rewards credit card issued by Chase that is closely integrated with Amazon and the Prime membership ecosystem. Its main appeal is straightforward: eligible Prime members can earn higher cash-back rates on purchases made with Amazon.com, Audible.com, Whole Foods Market and Chase Travel.

According to Chase's current published terms, eligible Prime members can earn unlimited 5% back at Amazon.com, Audible.com, Whole Foods Market and on Chase Travel purchases. The card also offers unlimited 2% back at gas stations, restaurants, and on local transit and commuting, including rideshare, plus unlimited 1% back on other eligible purchases.

The Prime Visa currently has a $0 annual credit card fee. However, an eligible Prime membership is generally required to receive the card's higher Prime-specific reward rate, and the cost of a Prime membership is separate from the credit card.

Understanding the Prime Visa rewards structure

The Prime Visa is primarily designed around cash-back rewards. Its highest standard reward rate applies to eligible purchases within the Amazon and Prime ecosystem, while other spending categories earn lower rates.

Current reward categories published by Chase include:

• 5% back at Amazon.com, Audible.com, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership;
• 2% back at gas stations, restaurants, and on local transit and commuting, including rideshare;
• 1% back on other eligible purchases where Visa is accepted.

Chase may also make limited-time or targeted offers available to eligible cardholders. Because these offers can change, they should be reviewed directly through the issuer rather than treated as permanent card benefits.

For additional information about using the card's reward categories, see Maximizing Prime Visa rewards.

Other Prime Visa features

Beyond cash-back rewards, the Prime Visa currently includes additional card features that may be relevant depending on how the card is used.

For example, Chase currently states that the Prime Visa does not charge foreign transaction fees. The card also includes certain purchase and travel protections, including extended warranty protection on eligible purchases, subject to the applicable benefit terms and limitations.

These protections should not be interpreted as automatic coverage for every purchase or travel situation. Eligibility, coverage limits, exclusions and claim requirements are defined in the card's official Guide to Benefits.

What about special or limited-time offers?

Credit card issuers may periodically provide promotional offers, increased reward rates or targeted benefits. These offers can vary by account, date and eligibility and should not be considered permanent features of the Prime Visa.

Before relying on a promotional benefit, verify that the offer is currently available and review its eligibility requirements, expiration date and applicable terms.

You can also read Prime Visa exclusive offers for additional information about how promotional offers may work. Availability and terms should always be confirmed directly with the issuer.

Comparing the Prime Visa with other cards

Whether the Prime Visa fits a particular spending profile depends largely on where purchases are made and whether the cardholder maintains an eligible Prime membership.

Someone who frequently purchases from Amazon.com or Whole Foods Market may place more value on the 5% reward category. A person who spends more heavily in categories covered by another rewards card may find a different rewards structure more relevant.

The Prime Visa currently has no annual credit card fee, which should be considered separately from the cost of an eligible Prime membership. Other factors such as APR, credit requirements, foreign transaction fees, purchase protections and redemption options should also be considered when comparing cards.

See Comparing Prime Visa benefits for a broader look at the card's features. Product terms can change, so comparisons should use the most recent information available from each issuer.

Questions about the Prime Visa

What makes the Prime Visa different from some other rewards cards?

The Prime Visa places particular emphasis on purchases within the Amazon and Prime ecosystem. Eligible Prime members currently earn 5% back at Amazon.com, Audible.com, Whole Foods Market and on Chase Travel purchases, while other eligible categories earn different reward rates.

Does the Prime Visa have an annual fee?

The Prime Visa currently has a $0 annual credit card fee. An eligible Prime membership may be required to receive certain Prime-specific rewards, and Prime membership costs are separate from the credit card.

Does the Prime Visa charge foreign transaction fees?

According to Chase's current terms, the Prime Visa does not charge foreign transaction fees. Travelers should still review current card terms and consider other potential costs associated with international purchases.

How can cardholders make use of Prime Visa rewards?

One approach is to understand which purchases qualify for each reward category and compare those categories with normal spending habits. Cardholders can also review redemption options and monitor the issuer for limited-time offers or changes to the rewards program.

Final considerations

The Prime Visa is primarily a cash-back rewards card for consumers who regularly use Amazon and related services. Its current structure combines higher rewards on eligible Amazon, Audible, Whole Foods Market and Chase Travel purchases with lower reward rates on several other spending categories.

That does not make the card automatically suitable for every consumer. Spending habits, Prime membership usage, interest rates, payment behavior, credit profile and alternative card options can all affect the practical value of a credit card.

Before applying, review the latest rewards, APR, fees, eligibility requirements and benefit terms directly with the issuer. Current Prime Visa information is available on the official Chase Prime Visa page.

This content is for informational and educational purposes only and does not constitute financial advice. Credit card terms, rewards and eligibility requirements may change.