Does the Amazon Visa have an annual fee?

No. Our record lists a $0 annual fee for the Amazon Visa.

What does the Amazon Visa earn?

3% on Amazon.com, Amazon Fresh, Whole Foods Market, 3% on Chase Travel, 2% on Gas Stations, 2% on restaurants, and 1% on other purchases.

Is the Amazon Visa worth it in the first year?

Using our illustration ($12,000 of yearly spending, $3,000 of it in Amazon.com, Amazon Fresh, Whole Foods Market), the first year comes out around $230 before credits, including a welcome bonus valued at $50. Year two drops to about $180 before credits.

What credit do I need for the Amazon Visa?

Our record lists "Good" credit as the typical target for the Amazon Visa. Chase makes the final decision based on its own criteria.

Amazon Visa

Chase

No Annual Fee

Annual Fee

visaGoodno-annual-fee6 months ago

Welcome Offer

$500

Check issuer terms ↗

OpenCard analysis

Is the Amazon Visa right for you?

The Amazon Visa is a no-annual-fee cash-back card from Chase. Its strongest everyday earning is 3% on Amazon.com, Amazon Fresh, Whole Foods Market, with 1% on most other purchases. With no fee, the question is simply whether 3% on Amazon.com, Amazon Fresh, Whole Foods Market beats what your current card earns there.

Who it's for

✓ People who spend steadily on Amazon.com, Amazon Fresh, Whole Foods Market, where it earns 3%
✓ Anyone who wants Amazon.com, Amazon Fresh, Whole Foods Market rewards without paying an annual fee

Who should skip it

— Heavy spenders outside Amazon.com, Amazon Fresh, Whole Foods Market — everything else earns 1%

First-year value estimate

Welcome bonus

$50

Rewards on spending

$180

Annual fee (year 1)

−$0

Year 1, before credits

$230

Year two, without the welcome bonus: about $180 before credits ($180 in rewards minus the $0 fee).

Assumptions

$3,000 a year in Amazon.com, Amazon Fresh, Whole Foods Market (3%) and $9,000 on everything else (1%) — $12,000 total, about $1,000 a month.
Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
Welcome bonus: the $50 bonus at face value ≈ $50.
No annual fee in any year.

An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-04-16.

How it compares

Blue Cash Everyday →

American Express, same $0 annual fee; earns 3% on gas.

Amex Morgan Stanley Blue →

American Express, same $0 annual fee; earns 1% on everything.

AARP Essential Rewards Mastercard from Barclays →

Barclays, same $0 annual fee; earns 3% on gas stations and drugstores.

Compare side by side →

Frequently asked questions

Does the Amazon Visa have an annual fee?: No. Our record lists a $0 annual fee for the Amazon Visa.
What does the Amazon Visa earn?: 3% on Amazon.com, Amazon Fresh, Whole Foods Market, 3% on Chase Travel, 2% on Gas Stations, 2% on restaurants, and 1% on other purchases.
Is the Amazon Visa worth it in the first year?: Using our illustration ($12,000 of yearly spending, $3,000 of it in Amazon.com, Amazon Fresh, Whole Foods Market), the first year comes out around $230 before credits, including a welcome bonus valued at $50. Year two drops to about $180 before credits.
What credit do I need for the Amazon Visa?: Our record lists "Good" credit as the typical target for the Amazon Visa. Chase makes the final decision based on its own criteria.

Earning Rates

3×Amazon.com, Amazon Fresh, Whole Foods Market3% cash back (no Prime required)

3×Chase Travel3% cash back on travel purchased through Chase Travel

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

Sources

Last Updated: Apr 16, 2026