Prime Visa
Every rate below is the issuer’s own, verified October 2, 2026.
Terms apply. See rates & fees on Chase. Rankings are pure math, never sold.
How it earns
Every rate here is the issuer’s published number. Points are valued at what this door can redeem them for: cash-back at the statement-credit rate, travel at the issuer’s travel rate.
What it pays at a typical spend
The family on our home page spends $800 a month on groceries, $200 on dining, $250 on gas, $100 on travel and $600 on everything else. Figures as of October 2, 2026, the day the terms were last verified.
At that spending the Prime Visa nets $438 in year one and $288 every year after, fee included. The biggest line is groceries, at $96. The welcome bonus counts with no spending needed: it is paid on approval. For the family on our home page, it places eleventh of the 12 cash back cards we’ve confirmed.
The Discover it Cash Back, just above it among the confirmed cards, nets $30 more in year one. The Costco Anywhere Visa by Citi, just below it, nets $42 less. Judged on every year after the first instead, it places tenth of the 12 cash back cards we’ve confirmed.
Who it fits
It fits if
- You spend a lot on gas and dining: it earns 2x there.
- You already pay for Amazon Prime.
Look elsewhere if
- Most of your spending sits outside its categories: the rest earns 1x.
- You do not have Amazon Prime: its $139 a year is the real fee.
- Your credit is fair or thin: approval usually needs good credit.
Plain facts
- 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 promo18.99% to 27.74% 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. If you told us you do not have one, its $139 a year is subtracted in the number above; if you already pay it, the card costs you nothing new.
- 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 October 2, 2026. An automatic check re-reads that page every day. On October 19, 2026 all 5 of the figures it watches here were still printed there. How we check
What people ask about it
Is there a cap on what it earns?
No. Its rates apply to all of your spending, with no yearly cap.
How do you value the welcome bonus?
At the dollar figure the issuer states, $150, paid as an Amazon gift card, not cash, with no spending needed.
What does it earn on each purchase?
2x on gas and 2x on dining, and 1x on everything else. It also earns 5% at Amazon, Whole Foods, Audible and Chase Travel, which no question asks about.
Where the rankings stand
The Prime Visa is not in the top five of these.
- Best card for diningAt $500 a month on dining, the rest of the spending unchanged, Robinhood Gold Card first, at $760 a year.
- Best card for groceriesCiti Double Cash first, at $668 in year one.
More cards like this
- Yearly fee $0U.S. Bank Smartly Visa SignatureU.S. Bank · for one card on everything, 2x
- Yearly fee $0Discover it Cash BackDiscover · for rotating categories, 5x each quarter
- Yearly fee $0Costco Anywhere Visa by CitiCiti · for Costco members, 4x on gas up to $7,000 a year
The three cash back cards beside this one on our list of every card. See every card