Prime Visa
Chase · Cashback review
Amazon Prime members with real Amazon and Whole Foods spend — 5% back at Amazon
Sorted by score, never commission
Annual fee
$0
No annual fee, every year
Ongoing APR
18.74% – 27.49% variable
Variable — verify the current range at the issuer
Foreign transaction fee
None
Travel-friendly abroad
As of August 13, 2026
Best for
Amazon Prime members with real Amazon and Whole Foods spend — 5% back at Amazon.com, Amazon Fresh, Whole Foods, and Chase Travel, plus 2% at gas stations, restaurants, and rideshare/transit, at a $0 annual fee.
Not for
Non-Prime shoppers — this card requires an active Prime membership (about $139/yr) to unlock the 5% rate; without it, the Amazon rate drops to 3%, which a flat 2% cashback card can beat outright.
The catch
The advertised 5% rate is conditional on paying for Prime membership separately — that ~$139/yr cost is real money that belongs in the math, not a sunk cost you get to ignore when comparing this card to a fee-free flat-rate alternative.
Card facts
Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.
Product specs
- Annual fee
- $0
- Ongoing APR
- 18.74% – 27.49% variable
- Foreign transaction fee
- None
- Balance transfer fee
- $5 or 5%
- Late payment fee
- Up to $40
- Schumer Box sourced
- August 13, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
Get an email when Prime Visa's offer changes.
We track Prime Visa's current offer and terms. We'll email you the moment they change — no checking back.
Frequently asked
Does the Prime Visa charge an annual fee?
No. The Prime Visa carries a $0 annual fee, sourced from the issuer's published Schumer Box as of August 13, 2026. Rates change — confirm the current terms at the issuer.
What APR does the Prime Visa charge?
18.74% – 27.49% variable. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.
Does the Prime Visa charge foreign transaction fees?
No. The Prime Visa has no foreign transaction fee, so it works cleanly for purchases abroad.
Who is the Prime Visa best for?
Amazon Prime members with real Amazon and Whole Foods spend — 5% back at Amazon.com, Amazon Fresh, Whole Foods, and Chase Travel, plus 2% at gas stations, restaurants, and rideshare/transit, at a $0 annual fee.
Who should skip the Prime Visa?
Non-Prime shoppers — this card requires an active Prime membership (about $139/yr) to unlock the 5% rate; without it, the Amazon rate drops to 3%, which a flat 2% cashback card can beat outright.
How did ClearValue score the Prime Visa?
Prime Visa scored 81/100 — "Solid pick". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and the weakness named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.
Alternatives to the Prime Visa
Other cashback cards we've scored, ranked by our methodology.
- DiscoverCanon
Discover it Secured
90/100Annual fee$0Ongoing APR26.49%Intro APR10.99% · 6 moBest forCredit-builders who want a $0 AF secured card that reports to all three bureaus, earns rotating-category cashback, AND g
Fees sourced from issuer terms · 2026-08-15
- Capital OneSolid pick
Capital One Quicksilver Secured
89/100Annual fee$0Ongoing APR28.99%Foreign txn feeNoneBest forCredit-builders who want a secured card that reports to all three bureaus AND earns 1
Fees sourced from issuer terms · 2026-07-15
- CitiSolid pick
Citi Double Cash
89/100Annual fee$0Ongoing APR17.49–27.49%Intro APR0% · 18 moBest forReaders who want one flat-rate no-fee cashback card and aren't interested in tracking categories
Fees sourced from issuer terms · 2026-07-15
