Cash Back

Prime Visa

Every rate below is the issuer’s own, verified August 26, 2026.

$0Annual fee

$150Welcome bonus, not paid in cash

1xOn everything else

Terms apply. See rates & fees on Chase. Rankings are pure math, never sold.

The rates

How it earns

Every rate here is the issuer’s published number. Points are valued conservatively, in cash-equivalent dollars.

Earn rates Prime Visa

Gas2x

Dining2x

Everything else1x

Welcome bonus · $150 Amazon gift card (not cash), instant on approval$150

Annual fee$0

Know before you apply

Who gets approvedGood credit, around 670+. Typically ~good credit or better (estimate; issuer does not publish a score).
The $150 is a gift card, not cashIt loads to your Amazon account on approval. We count it at full face value because Prime members spend it without thinking about it — but it only spends at Amazon.
The rate after any promo18.74% to 27.49% variable, set by your credit. There is no intro rate to run out.
The 5% tier is real, and not in this numberAmazon.com, Whole Foods Market, Audible and Chase Travel pay 5% with an eligible Prime membership. Nothing in the questions asks what you spend there, so the number above is a floor.
It needs an eligible Prime membershipChase only offers this card to Prime members, so we note the membership rather than charging it against the card.
Equal Pay purchases earn no rewardsThere is no intro APR. Chase offers Equal Pay financing instead, which splits a purchase into fixed monthly payments — and those purchases earn nothing.
The issuer’s terms governRates, fees and bonus conditions are set by Chase and change without notice. Confirm the current offer before you apply.
Where these numbers came fromCollected by hand from Chase’s own published terms, last verified August 26, 2026. An automatic check re-reads that page every day. On September 4, 2026 all 5 of the figures it watches here were still printed there.

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