Rewards
Amazon points calculator
Points-to-dollars is a division by 100. Spend-to-points is a multiplication. Both tables are below so you do not have to do either.
The short answer
How do you convert Amazon points to dollars?
Divide by 100. Chase states 100 points = $1 (each $1 in % back rewards earned is equal to 100 points). So 3,450 points is $34.50 and 10,000 points is $100. Going the other way, the rate in percent is the points per dollar: at 5%, every dollar spent earns five points.
Points to dollars
The conversion table
The rate is fixed at 100 points = $1 (each $1 in % back rewards earned is equal to 100 points) (Chase — Prime Visa, verified 2026-08-11), which is what makes a table like this possible at all. On a variable-value program the same balance would be worth different amounts depending on what you did with it, and no table could tell you anything.
| Points | In dollars |
|---|---|
| 100 | $1.00 |
| 500 | $5.00 |
| 1,000 | $10.00 |
| 2,500 | $25.00 |
| 5,000 | $50.00 |
| 7,500 | $75.00 |
| 10,000 | $100.00 |
| 15,000 | $150.00 |
| 25,000 | $250.00 |
| 50,000 | $500.00 |
Source: Chase — Prime Visa · verified 2026-08-11
Spending to points
What each rate earns
Going the other way needs one more input: which rate applies. The Prime Visa earns 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 (Chase — Prime Visa, verified 2026-08-11), 2% back (Chase — Prime Visa, verified 2026-08-11) at gas stations, restaurants, and local transit and commuting (including rideshare) (Chase — Prime Visa, verified 2026-08-11), and 1% back (Chase — Prime Visa, verified 2026-08-11) on everything else. The Amazon Visa earns 3% back (Chase — Amazon Visa, verified 2026-08-11) in its top tier.
| Annual spend | At 5% | At 3% | At 2% | At 1% |
|---|---|---|---|---|
| $1,000 | $50 | $30 | $20 | $10 |
| $2,500 | $125 | $75 | $50 | $25 |
| $5,000 | $250 | $150 | $100 | $50 |
| $7,500 | $375 | $225 | $150 | $75 |
| $10,000 | $500 | $300 | $200 | $100 |
| $15,000 | $750 | $450 | $300 | $150 |
Sources: Chase — Prime Visa · Chase — Amazon Visa · verified 2026-08-11
To use it: find your annual Amazon spending in the left column and read across to the 5% column if you have an eligible Prime membership, or the 3% column if you do not. That is what the card returns on Amazon spending in a year.
The reverse
How much to spend for a given amount
| Target | At 5% | At 3% | At 2% | At 1% |
|---|---|---|---|---|
| $25 | $500 | $833 | $1,250 | $2,500 |
| $50 | $1,000 | $1,667 | $2,500 | $5,000 |
| $100 | $2,000 | $3,333 | $5,000 | $10,000 |
| $139 (a year of Prime) | $2,780 | $4,633 | $6,950 | $13,900 |
| $250 | $5,000 | $8,333 | $12,500 | $25,000 |
Source: About Amazon — Prime free trial · verified 2026-08-11
The fourth row is the one that answers the question most people actually came for. At the 5% rate, roughly $2,780 a year of Amazon and Whole Foods spending returns the full $139 per year (About Amazon — Prime free trial, verified 2026-08-11) membership in rewards.
That is a different figure from the $6,950 that appears on our main worth-it page, and both are correct. This row asks “does the card cover the membership”. That page asks “does the extra two points over the no-membership Amazon Visa cover the membership”, which is the harder and more honest question if you are choosing between the two cards. Use $2,780 if you are deciding whether the pair pays for itself, and $6,950 if you are deciding which card to hold.
Doing it yourself
The two lines of arithmetic
No table covers every case, so here is the method in full. It is two lines.
Points to dollars: divide the points by 100. There is nothing else to it, because the rate is fixed.
Spending to dollars: multiply the spend by the rate as a decimal. $3,200 at 5% is 3,200 x 0.05 = $160.
Two things that will make a real balance smaller than a calculated one, and both are worth knowing before you conclude that something is wrong.
Returns. points are earned on purchases of products and services, minus returns or refunds (Chase — Prime Visa, verified 2026-08-12). If you return things regularly, your net spending is lower than your gross spending and the rewards follow the net figure. That is the subject of returns, refunds and your points.
Exclusions. not earned on purchases from merchants using Amazon Pay, on purchases at international Amazon retail sites, or on purchases made directly with travel suppliers including airlines, hotels, car rentals and cruises (Chase — Prime Visa, verified 2026-08-12). Some Amazon-shaped purchases earn the base rate instead of the bonus rate, listed on purchases that earn nothing.
Neither invalidates the tables. They are the reason a calculated estimate is an upper bound rather than a prediction.
Source: Chase — Prime Visa · verified 2026-08-12
#ad New cardmembers only. All figures on this page are arithmetic on Chase's published rates, not a prediction of what you will earn. We earn a flat fee if you sign up through this link, at no cost to you. How we’re paid.
Common questions
Common questions
- How do you convert Amazon points to dollars?
- Divide by 100. Chase states each $1 in percentage-back rewards earned equals 100 points, so 2,500 points is $25 and 10,000 points is $100.
- How many points do you get per dollar spent?
- It depends on the rate. At 5%, $1 of spending earns 5 points. At 3% it earns 3 points, at 2% it earns 2, and at 1% it earns 1. The rate in percent is the points per dollar.
- How much do you need to spend to earn $100 of Amazon rewards?
- $2,000 at the 5% rate, $3,333 at 3%, $5,000 at 2%, or $10,000 at 1%. Divide $100 by the rate as a decimal.
- Is there an official Amazon points calculator?
- Not one we could source from Chase or Amazon. The arithmetic is simple enough that the tables on this page cover it without needing one.
- Does the value of a point change by redemption?
- Not on the Amazon cards. Chase fixes the value at 100 points per $1 and every redemption route pays the same, which is what makes these tables reliable.
Related
Read next
- What are Amazon points worth? — the fixed cent these tables are built on, and why it never moves
- Is the Prime Visa worth it? — turning a points total into a yes or no on the membership
- Do Amazon points expire? — no, while the account is open, so a balance can be planned around
- Amazon purchases that earn nothing — the exclusions that make a real balance smaller than a calculated one
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.
About this site · How we research · How we’re paid
Last verified: 2026-08-12