Prime Visa

Chase

No Annual Fee

Annual Fee

visaGoodNo Foreign Transaction Feeno-annual-fee3 months ago

Welcome Offer

150 pts(≈ $150)0

OpenCard editorial analysis

Our take

A strong store-and-ecosystem card for households that already pay for Prime and spend heavily at Amazon, Amazon Fresh, or Whole Foods. The card itself has no annual fee, but the elevated Amazon earning depends on an eligible Prime membership, so the membership cost should not be ignored if shopping rewards are the main reason for keeping Prime.

Best for

✓ Existing Prime households with substantial Amazon spending
✓ Whole Foods and Amazon Fresh shoppers
✓ People wanting no foreign transaction fee on a no-card-fee product

Not ideal for

— People who would cancel Prime without the card
— Shoppers seeking a high flat return outside Amazon
— Anyone trying to build transferable travel points

Conservative break-even test

Treat the Prime membership cost as part of the equation only when you would not otherwise subscribe. Compare the extra Amazon return over your best general card with that membership cost and with any prices or convenience benefits that independently justify Prime.

First year vs. ongoing year worksheet

Annual fee hurdle

Issuer-data bonus estimate

$150

First-year net before credits

$150

For year two, remove the one-time welcome offer entirely. To recover a $0 fee from rewards alone, this card must produce that much more value than your best no-fee alternative. At a 1% incremental return, that would require about $0 in eligible annual spend before counting credits you would genuinely buy anyway.

Data reviewed 2026-05-11. Estimate is not cash and depends on redemption. Confirm current issuer terms through the cited sources below.

Compare alternatives

Wells Fargo Active Cash →

Flat cash rewards without tying value to one retailer.

Chase Freedom Unlimited →

Broader everyday categories and potential Chase pairing value.

Earning Rates

5×Amazon.com, Amazon Fresh, Whole Foods Market5% cash back with eligible Prime membership. Without Prime: 3%.

5×Chase Travel5% back on travel purchased through Chase Travel with eligible Prime membership

2×Gas Stations2% cash back at gas stations

2×Restaurants2% cash back at restaurants

2×Local Transit & Commuting2% cash back on local transit and commuting (including rideshare)

1×All Other Purchases1% cash back on all other purchases

Other Benefits

Travel Protections

Travel Accident Insurance ($500K), Lost Luggage Reimbursement ($3,000), Baggage Delay Insurance ($100/day x 3 days), Auto Rental Coverage (secondary), Roadside Assistance, Travel & Emergency Assistance

Purchase Protections

Purchase Protection (120 days, $500/item), Extended Warranty (adds 1 year)

Insurance

Trip Delay

Rental InsuranceSecondary

Purchase Protection

Extended Warranty

Application Rules

Sources

Last Updated: May 11, 2026