Credit score needed for amazon prime rewards visa card

Offer status

This offer is unavailable on The Ascent. The information related to Amazon Rewards Visa Signature Card has been collected by The Ascent and has not been reviewed or provided by the issuer.

Amazon is known for offering just about everything, and the Amazon Rewards Visa Signature Card is more proof of that. It's the rewards credit card for consumers who want more back on their Amazon purchases and who haven't signed up for Amazon Prime.

If you're not a Prime member but you do spend a lot at Amazon or Whole Foods, where you'll earn an 3% back, this could be the credit card for you. We'll go over its solid list of features and much more in our Amazon Rewards Visa Signature Card review.

Great for: Amazon and Whole Foods cash back

Rating image, 4.00 out of 5 stars.

Credit Score:
Good/Excellent (670-850) Info IconCircle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

15.74% - 23.74%, variable

Rewards Info IconCircle with letter I in it. 3% back on Amazon and Whole Foods purchases, 2% back at restaurants, gas, and drugstores, 1% back on other purchases

1% - 3% back

Welcome Offer

$50 Amazon gift card

• The premium rewards and no annual fee make this a compelling offer for Amazon shoppers. If you have a Prime membership, the Amazon Prime Rewards Visa Signature Card is the clear winner.

• • Amazon and Whole Foods rewards
  • Instant Amazon gift card
  • No annual fee
  • Consumer and travel protections
  • No 0% intro APR offer

• • $50 Amazon.com Gift Card instantly upon credit card approval
  • 3% back at Amazon and at Whole Foods
  • 2% back at gas stations and drugstores
  • 1% back on all other purchases
  • No foreign transaction fees

This credit card is a good fit for: Occasional Amazon shoppers who want to earn more back on those purchases without paying for an Amazon Prime membership. Those who have Amazon Prime can get a more rewarding version of this card.

Top perks

Up to 3% back: This card earns 3% back on Amazon and Whole Foods purchases, 2% back at restaurants, gas stations, and drugstores, and 1% back on all other purchases. You can redeem your rewards for Amazon purchases or cash back.

$50 bonus gift card: Upon approval for the Amazon Rewards Visa Signature Card, you'll receive a $50 Amazon gift card. While this doesn't come close to the biggest sign-up bonuses, it's more than what most store credit cards offer.

No annual fee: You don't need to pay an annual fee or be a member of Amazon Prime to get this card, so it's a good choice if you want to earn extra rewards without spending any more money.

No foreign transaction fee: Many credit cards charge a 3% foreign transaction fee, but the Amazon Rewards Visa Signature Card doesn't.

Consumer and travel protections: For a no annual fee card, the Amazon Rewards Visa Signature Card offers quite a few useful extras. Consumer protections include auto rental insurance, purchase protection, and extended warranty coverage. Travel protections include lost luggage reimbursement, baggage delay insurance, and travel accident insurance.

• If you want to earn more back: The obvious alternative is this card's "big brother," the Amazon Prime Rewards Visa Signature Card, which you can apply for if you're a member of Amazon Prime. It earns 5% back at Amazon and Whole Foods, so if you spend more than $5,950 at those locations per year (just under $500 per month), the extra 2% back will outweigh the cost of a $119 Amazon Prime membership.
• If you want rotating bonus categories: The Discover it® Cash Back offers 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum of $1,500 on purchases and when you activate. All other purchases earn 1% cash back. That's one of the best cash back rates that we've seen on a no annual fee card.

Read more: Best Visa Credit Cards

As of Nov. 08, 2022

Amazon Prime Rewards Visa Signature Card	Discover it® Cash Back
Rating image, 4.00 out of 5 stars. 4.00 stars Info IconCircle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor	Rating image, 5.00 out of 5 stars. 5.00 stars Info IconCircle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Read Review	Apply Now for Discover it® Cash Back On Discover's Secure Website.
	Read Full Review
	Rates & Fees
Credit Rating Requirement: Good/Excellent (670-850) Info IconCircle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.	Credit Rating Requirement: Good/Excellent (670-850) Info IconCircle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Welcome Offer: $70 Amazon gift card	Welcome Offer: Info IconCircle with letter I in it. Discover will match all the cash back you’ve earned at the end of your first year. Cashback Match
Rewards Program: Info IconCircle with letter I in it. 5% back at Amazon and Whole Foods, 2% back at restaurants, gas, and drugstores, 1% back on other purchases 1% - 5% back	Rewards Program: Info IconCircle with letter I in it. 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically 1% - 5% Cashback
Intro APR: Purchases: N/A Balance Transfers: N/A	Intro APR: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months
Regular APR: 16.49% - 24.49%, variable	Regular APR: 14.99% - 25.99% Variable APR
Annual Fee: $0	Annual Fee: $0
Highlights: Exclusively for customers with an eligible Prime membership $70 Amazon.com Gift Card instantly upon credit card approval 5% back at Amazon and Whole Foods 2% back at gas stations, restaurants and drugstores 1% back on other purchases No foreign transaction fees	Highlights: INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically. Discover helps remove your personal information from select people-search websites. Activate by mobile app for free. Every $1 you earn in cash back is $1 you can redeem. Get a 0% intro APR for 15 months on purchases. Then 14.99% to 25.99% Standard Variable Purchase APR applies, based on credit worthiness. No annual fee. Click "Apply Now" to see terms and conditions.
	Apply Now for Discover it® Cash Back On Discover's Secure Website.
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What could be improved

No 0% intro APR offer: This isn't a card you want to use for paying off purchases over time or consolidating your credit card debt. Unlike many cash back cards, it doesn't have a 0% intro APR on either purchases or balance transfers.

Read more: Best Credit Cards for Amazon

Find the best credit card for your needs

Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.

Amazon Rewards Visa Card credit score

You have a solid chance of a successful application for the Amazon Rewards Visa Signature Card if your credit score is in the fair-to-good range, and the suggested FICO® Score to apply is 670 or above. It's possible to get approved with a lower score, but it makes more sense to work on your credit first and give yourself a better shot. Note that because Chase is the card issuer on the Amazon Rewards Visa Signature Card, Chase's 5/24 rule could lead to a declined application for consumers who have opened too many credit cards in the past two years.

This credit card is right for you if:

Truth be told, the Amazon Rewards Visa Signature Card serves a small niche. It's great for consumers who want to earn more at Amazon, Whole Foods, and this card's other bonus categories, but who don’t want to pay for an Amazon Prime membership.

On the other hand, if you're one of the many people who already have an Amazon Prime membership, you'll qualify for the Amazon Prime Rewards Visa Signature Card, which is a better card overall.

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