Moving from the Amazon Visa to the Prime Visa

These are siblings, not competitors. Both are Chase Visas, both carry $0 (Chase — Prime Visa, verified 2026-08-11) as an annual fee, and both publish 18.74%–27.49% variable (Chase — Prime Visa Pricing & Terms, verified 2026-08-13) as the purchase APR. The difference sits almost entirely in one row.

Because the products are this close, the decision to move between them is really a decision about the membership. Everything else on the card stays where it was. We compare the two in full on the Prime Visa against Amazon Visa page.

A product change — issuers also call it a conversion or an upgrade — swaps the card product on an account that already exists. The account number may change, but the account itself, with its opening date and its payment history, does not close.

That matters for the two credit factors most affected by opening and closing cards. FICO weights length of credit history at 15% (myFICO — what is in your credit score, verified 2026-08-19) and new credit at 10% (myFICO — what is in your credit score, verified 2026-08-19). A product change leaves the first alone and adds nothing to the second, because there is no new account and no new application.

It also leaves your rewards balance where it is. Both cards earn the same currency — Chase publishes 100 points = $1 (each $1 in % back rewards earned is equal to 100 points) (Chase — Prime Visa, verified 2026-08-11) — and the account stays open, so the no-expiry condition on the points continues to be met.

What we cannot tell you is whether Chase will offer it to you. Chase does not publish a product-change policy covering the Amazon cards, and there is no page we can cite that says the move is available on request. Anyone quoting you a rule here is telling you what happened to them, which is not the same thing. Ask Chase using the number on the back of your card.

The other route is to apply for the Prime Visa as a new cardmember and decide separately what to do with the Amazon Visa. The reason to do it is the offer: Chase advertises a $150 Amazon Gift Card loaded into your Amazon Gift Card balance on approval (Chase — Prime Visa, verified 2026-08-11) against the Amazon Visa’s a $50 Amazon Gift Card loaded into your Amazon Gift Card balance on approval (Chase — Amazon Visa, verified 2026-08-11).

The costs are a hard inquiry and a new account. FICO publishes what the first one typically costs: for most people, one additional credit inquiry will take less than five points off their FICO Scores (myFICO — credit report inquiries, verified 2026-08-19). It also publishes the duration — hard inquiries stay on the report for up to two years, but they only affect the FICO Scores for a year (myFICO — credit report inquiries, verified 2026-08-19). The new account is the quieter cost, because it lowers your average account age for as long as it is young.

Neither issuer publishes an approval rule for these cards. Chase’s Prime Visa page carries no minimum credit score, no recommended-credit rating and no prequalification link of any kind (Chase — Prime Visa card page, verified 2026-08-19), and so does the Amazon Visa page. That is the honest state of it, and it is why we publish no approval odds anywhere on this site. The full treatment is on the credit score page.

If you take this route, think about what happens to the old card before you apply rather than after. Closing it removes an account from your file and reduces your total available credit, which moves the utilization figure FICO weights at 30% (myFICO — what is in your credit score, verified 2026-08-19). Keeping it open costs nothing — the annual fee is $0 (Chase — Amazon Visa, verified 2026-08-11).

Before choosing a route, check the move is worth making. The Prime Visa beats the Amazon Visa by two percentage points at Amazon, and only while a Prime membership is paid for. So the extra rewards have to clear the membership fee before you are ahead.

That second sentence is the whole decision for most people. Prime members who hold the Amazon Visa are leaving two points on the table on every Amazon order and should move. Non-members should not buy a $139 per year (About Amazon — Prime free trial, verified 2026-08-11) membership to chase it unless their Amazon spending is genuinely in that range — and if it is, the membership is probably worth having on its own terms, which we test on the Prime worth-it page.

Take the product change if your Amazon Visa is your oldest credit card, or you have applied for other credit recently, or you simply do not want another account. You give up a one-time gift card to protect a permanent piece of credit history, which is usually the better trade for anyone who is not actively collecting sign-up offers.

Apply fresh if the account is young anyway, your credit file is otherwise quiet, and you would rather have two Amazon-earning cards than one. The offer difference between the two cards is real money, and holding both is a legitimate outcome — we argue that case on the page about holding both cards.

Do neither if you are not going to keep Prime. The Amazon Visa is designed for exactly that reader, it earns 3% back (Chase — Amazon Visa, verified 2026-08-11) at Amazon.com, Audible.com, Whole Foods Market and Chase Travel (Chase — Amazon Visa, verified 2026-08-11) with no membership condition attached, and there is nothing to fix.