Is the Prime Visa worth it for Amazon households?

MoneyRoom Card Score

9.1/ 10

Usable value10.0

Effort10.0

Earning7.0

If you already pay for Prime, yes: 5% back on what you spend at Amazon and Whole Foods, with no card fee and nothing to keep track of. If you'd be buying Prime just for the card, don't — the score above doesn't count the cost of the membership.

Requires a paid Amazon Prime membership, which this score does not count as a cost.

How the 0–10 Card Score works

Data: MoneyRoom card catalog (details pending verification are flagged) · scores update daily · catalog data as of 2026-09-30 (source: creditcards.chase.com) · How we verify

As a card on its own, the Prime Visa is excellent: no annual fee, no credits to track, and 5% on Amazon and Whole Foods purchases (we count them as groceries), plus 2% on dining and gas. On a typical year of spending that works out to about 2.1% back, and the overall score is 9.1.

The catch is printed on the score panel: the full rate needs a paid Prime membership, and our math treats this card as free. For households already paying for Prime, that's fair — they pay for it anyway. For anyone else, the real cost of this card is the membership, and no rate on this page changes that.

Credits vs. fee

No annual fee to cover.

Typical value applies our published discounts for what makes credits easy to miss: deadlines, limits on where you can use them, enrollment (switching a credit on once), and waiting to be paid back.

This card has no recurring statement credits. There's nothing to enroll in, track, or lose — the list is empty by design.

The fine print that matters

Why is typical value less than face value?

There are no credits to track — the fine print is Amazon. The top rate applies at Amazon and Whole Foods, so the card is worth exactly as much as your household already spends there. Elsewhere it's ordinary: 2% at restaurants and gas stations, the base rate on everything else. It's built for one store, with a no-fee price tag.

Earning

What does everyday spending actually earn?

Rewards come as points, which we value at 1¢ per point (a middle-of-the-range value). On our published mix of everyday spending, that works out to 2.1% back.

Category	Rate	After spending caps	Note
Dining	2%	2.00%
Groceries	5%	5.00%
Gas	2%	2.00%
Flights booked direct	1%	1.00%	Base rate
Hotels booked direct	1%	1.00%	Base rate
Everything else	1%	1.00%

Not in the score

What does the score leave out?

The Prime membership itself. The one cost that matters, and the one our math can't see, which is why it's on the score panel. Members pay it anyway; for everyone else it's the real price of the card.
Amazon promotions. Rotating bonus categories and sale-day offers come with conditions, so they're left out like every rate with conditions.
The welcome gift card. A one-time sign-up gift, and the score only counts a normal year.

Your own numbers

See if it pays for itself for you.

The score assumes a typical cardholder. The free Annual Fee Calculator loads this card's real credits and fee and lets you enter what you'd actually use — no account needed.

Run this card in the calculator Track your own cards free

Keep comparing

More card scores.

Questions

Common questions before you apply.

What does the Prime Visa score?
9.1 out of 10: value 10.0, effort 10.0, earning 7.0. The earning figure assumes you already have Prime, and the note on the score panel says so.
Is it worth buying Prime to get this card?
No. The membership costs real money every year, and the card only earns enough more than a good flat-rate card to cover it if you spend a lot at Amazon. Get the card because you have Prime, never the other way round.
How does it compare outside Amazon?
2% on dining and gas is decent; the base rate elsewhere isn't. A common setup is to pair it with a flat-rate card for everything else — a separate decision. The calculator below compares credits and benefits, not a two-card setup.