Compare
Every Amazon card, side by side
Four cards, two issuers, one decision. The table below is the whole comparison; the rest of the page explains what it means.
The short answer
Which Amazon card should you get?
Four cards, two issuers. Have Prime: the Prime Visa, 5% at Amazon and it works everywhere. No Prime: the Amazon Visa, 3% and no membership needed. Declined by Chase: the Amazon Store Card, same 5% but Amazon-only. Thin credit file: the secured version of that card.
The table
All four, side by side
| Card | Issuer | Where it works | Amazon rate | Needs Prime? | Annual fee |
|---|---|---|---|---|---|
| Prime Visa | Chase | Anywhere Visa is accepted | 5% back | Yes, for the 5% tier | $0 |
| Amazon Visa | Chase | Anywhere Visa is accepted | 3% back | No | $0 |
| Amazon Store Card | Synchrony | Amazon and Amazon-owned services only | 5% with eligible Prime | Yes, for the 5% tier | $0 |
| Amazon Secured Card | Synchrony | Amazon and Amazon-owned services only | 5% with eligible Prime, as reported | Yes, for the 5% tier | None reported |
Sources: Chase — Prime Visa · Chase — Amazon Visa · Yahoo Finance — Amazon Store Card review · verified 2026-08-11 Includes figures confirmed against a corroborating source because the issuer’s own page could not be reached.
Read the “where it works” column first. It is the only row where the four cards genuinely differ in kind rather than by a percentage point, and it decides more than the rate does.
The decision
A winner per reader, not an overall winner
There is no best Amazon card, because the four are aimed at four different situations. Find yours.
You pay for Prime already
The Prime Visa. 5% back (Chase — Prime Visa, verified 2026-08-11) at Amazon.com, Audible.com, Whole Foods Market and Chase Travel, with an eligible Prime membership, no annual fee, and it earns 2% and 1% on the rest of your spending as well. The membership is a cost you have already accepted, so the 5% is free money on Amazon purchases. The full breakdown.
You do not have Prime and do not want it
The Amazon Visa. Same issuer, same $0 annual fee, 3% back (Chase — Amazon Visa, verified 2026-08-11) at Amazon with no membership condition. Paying $139 per year (About Amazon — Prime free trial, verified 2026-08-11) purely to move from 3% to 5% needs around $6,950 of annual Amazon spending to make sense — the arithmetic is here.
Chase said no
The Amazon Store Card. A different bank with a different appetite, and reported as more accessible on fair credit, with starting limits commonly around $400 (Firstcard — Amazon Visa vs Store Card, secondary source, verified 2026-08-11). It reaches the same 5% at Amazon. The trade is real: it works for Amazon purchases only — Amazon.com, Amazon Go, Amazon Fresh, Audible, AWS, Alexa Skills, and your Amazon Prime membership charge (Yahoo Finance — Amazon Store Card review, secondary source, verified 2026-08-11) and nowhere else. What that costs you in practice.
Your credit file is thin rather than damaged
The Amazon Secured Card. The same closed-loop product with a refundable deposit attached, which is what makes it reachable. How the two versions differ, and when a deposit is worth placing.
You want one card that earns well everywhere
None of these. Outside Amazon, the Visas pay 2% on a short list and 1% on the rest, and the store cards pay nothing because they cannot be used. A flat 2% cashback card beats all four on general spending. The honest use of an Amazon card is alongside a flat-rate card, not instead of one.
The thing they share
One rewards currency, one fixed value
Whichever card you end up with, the rewards behave identically: 100 points = $1 (each $1 in % back rewards earned is equal to 100 points) (Chase — Prime Visa, verified 2026-08-11), and points don't expire as long as your card account remains open (Chase — Prime Visa, verified 2026-08-11).
No transfer partners, no award charts, no redemption that beats another on value. That makes the comparison above genuinely about rate and reach rather than about which program has the better points — a simplification worth appreciating, given how much of the credit card internet is devoted to the opposite question. How the points work in practice.
#ad Sign-up offers are for new cardmembers only and approval is the issuer's decision. The 5% rates require an eligible Prime membership. We earn a flat fee if you sign up through this link, at no cost to you. How we’re paid.
Go deeper
The comparisons in detail
Prime Visa vs Store Card
The head-to-head on rate, reach, issuer, APR and approval, with a named winner per reader type.
Every card explained
Plain-language definitions of all four Amazon cards and the two issuers behind them.
Prime Visa vs Amazon Visa
The two Chase Amazon cards head to head, and the exact annual spend where the Prime version pays off.
vs Freedom Unlimited
Specialist versus generalist, with the Amazon Shop with Points detail that decides it.
vs Costco Visa
Two membership cards compared on rates, gas, and the once-a-year redemption that surprises people.
vs Apple Card
Daily Cash against Amazon points, the Apple Pay condition, and which card suits which spending shape.
vs Capital One Savor
Grocery, dining and streaming against Amazon and Whole Foods, with the pairing case spelled out.
vs Amex Blue Cash Everyday
The strongest no-membership route to Amazon cash back, its $6,000 cap, and where it beats 5%.
vs Sapphire Preferred
Fixed cashback against variable travel points, with the $95 fee treated as the hurdle it is.
Paying monthly
Every installment route at Amazon checkout — Chase Equal Pay, Chase Pay Over Time, Store Card installments and Affirm — with published terms and the cost of each.
Store Card vs Amazon Visa
Closed loop against open loop, Synchrony against Chase, and which one each reader should apply for.
Credit score needed
What the issuers actually publish about approval on the Amazon cards, the risk tiers behind the decision, and how to test your odds without a hard inquiry.
Business cards
The Prime Business and Amazon Business cards after the move to U.S. Bank, what each earns, and the case for using a personal Amazon card instead.
Best card for Amazon
A single ranked table of what each card returns per dollar at Amazon, with the conditions attached.
Amazon Visa vs Freedom Unlimited
The no-Prime head-to-head, the Amazon-share break-even, and the Shop with Points detail that costs Freedom holders 20 cents on the dollar.
Prime Visa vs Prime Business
The personal card against the business card on rate, cap, liability and eligibility, with the case for holding both.
Best card for students
How the $69 membership changes each card's break-even, which one a thin file can realistically get, and when to wait instead.
Holding both cards
Why a second Amazon card adds no earning rate, the three cases where it still helps, and what it costs your credit file.
Prime Visa vs Citi Double Cash
The 5% specialist against the 2% generalist, the Amazon share where each one wins, and the second 1% you only get by paying.
Amazon-heavy households
The share-of-spend threshold where 5% in one store beats 2% everywhere, with the arithmetic shown and both exclusion sets accounted for.
Worth it by spend tier
A tier-by-tier table of returns against the Amazon Visa and a flat 2% card, with the Prime fee handled honestly at every level.
Two-card setup
The arithmetic behind splitting spend across two cards, the exclusions that decide the split, and the honest case for keeping it to one.
Common questions
Common questions
- How many Amazon credit cards are there?
- Four consumer cards across two issuers: the Prime Visa and the Amazon Visa from Chase, and the Amazon Store Card and Amazon Secured Card from Synchrony.
- Which Amazon card has the best rewards?
- The Prime Visa and the Amazon Store Card both reach 5% at Amazon with an eligible Prime membership. The Visa wins on reach because it also earns on everything else, and the Store Card cannot be used outside Amazon.
- What is the difference between the Amazon credit card and the Amazon store card?
- Network and issuer. The Amazon credit cards are Visas issued by Chase and work anywhere Visa is accepted. The store cards are closed-loop cards issued by Synchrony and work only at Amazon and Amazon-owned services.
- Which Amazon card is easiest to get?
- The Synchrony-issued store cards are reported to be more accessible on fair credit than the Chase-issued Visas, and the secured version adds a refundable deposit for thinner files. Neither issuer publishes an approval cutoff.
- Do all the Amazon cards require Prime?
- No. The 5% rate on the Prime Visa and the Store Card requires an eligible Prime membership. The Amazon Visa earns 3% at Amazon with no membership at all.
Related
Read next
- Black Friday at Amazon, worked out in advance — which card to have settled before the season starts
- How Amazon-heavy does a household have to be? — the share of spending where a 5% card beats a flat-rate one
- Is the Prime Visa worth it? — the full break-even arithmetic on the card most readers land on
- The Amazon Prime free trial — two of these four cards depend on a membership, so start there
- How Amazon rewards points work — all four cards pay in the same points, worth the same fixed cent
- Amazon card questions, answered short — the quick answers to the things people ask before choosing between them
Written by Stephen V. — An enthusiast who's genuinely into this. I read the terms, compile the published rates, and do the math. No lab coat, no credentials, no test lab.
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Last verified: 2026-08-11