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Wednesday, February 19, 2025

Prime Visa Review

Ashley Fricker

By: Ashley Fricker

Ashley Fricker

Ashley Fricker, Senior Editor

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

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Editor: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian Guevara-Castro, Senior Editor

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has worked at The Atlanta Journal and Constitution, Gwinnett Daily News, Gainesville Sun, and The New York Times, where she covered demographics, consumer issues, and the business and financial sectors. Lillian has a degree in journalism and communications from Georgia State University and brings her fact-checking expertise to ensure Digital Brands content is accurate and engaging.

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Reviewer: Ashley Fricker

Ashley Fricker

Ashley Fricker, Senior Editor

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

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Prime Visa Review

Our Rating

4.0 /5.0 ★★★★

Are you considering the Prime Visa? Before you apply for the card, you'll want to learn some key facts about the offer and how it compares to others on the market.

In reviewing the card, our staff rated it a 4.0 out of 5.0.

The Prime Visa is a great option for regular Amazon shoppers who have an annual Prime membership. It's the only card that offers 5% back at Amazon.com year-round.

Here's a rundown of the key features, rates, and terms of the Prime Visa:

Disclosure: When you apply through links on our site, we often earn referral fees from partners. For more information, see our ad disclosure and review policy.

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.

BEST OVERALL RATING

★★★★

4.0

OVERALL RATING

4.0/5.0
  • Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members
  • Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
  • Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
  • Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
  • Earn unlimited 1% back on all other purchases
  • No annual credit card fee
  • No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
  • Member FDIC
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.49% - 28.24% Variable
$0
Good/Excellent

There's certainly a lot to like about the Prime Visa. Let's dive deeper into the card's rates and fees, as they could make or break whether owning the Prime Visa is right for you.

Interest Rate & Annual Fee

According to the issuer, the Prime Visa currently charges the following interest rates on purchases and balance transfers:

  • Purchase Intro: N/A
  • Balance Transfer Intro: N/A
  • Regular APR: 19.49% - 28.24% Variable

Here's the annual fee for the Prime Visa as listed by the issuer:

  • Annual Fee: $0
See site for details »

Credit Needed for Approval

According to the issuer, the current general credit history requirement for the Prime Visa is:

  • Credit Level: Good/Excellent

If you feel you have the credit needed for approval and you're ready to apply, you can do so online on the issuer's secure website.

Keep in mind that rates and features may change, so if you like what the Prime Visa is offering today, you may want to apply now to lock it in current terms before it's too late.

How Does It Rank?

Below are all the ratings our team gives the Prime Visa, along with the card's ranking within each category. To see how it compares to other cards, simply click on the category name:

(Ranked #109 out of 141)
★★★★
4.0
(Ranked #39 out of 48)
★★★★
4.3
(Ranked #37 out of 55)
★★★★★
4.6
(Ranked #27 out of 50)
★★★★★
4.6

Bottom Line on Prime Visa

Prime Visa Review

All told, our team's review of the Prime Visa resulted in a rating of 4.0 out of 5.0, as the card features many pros and cons for a potential cardholder to consider. Ultimately, it's up to you to determine if the card's benefits outweigh its possible drawbacks.

If you're ready to apply for the Prime Visa, here is the link the issuer's official application:

About the Author

Ashley Fricker
Ashley Fricker Finance Expert

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

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Ashley Fricker