The Amazon Prime Visa Card is one of those credit cards that makes a lot of sense… when you’re in the right scenario.
It doesn’t try to be the most sophisticated card on the market. It’s not packed with miles or ultra-premium perks. On the other hand, it gets something right that very few cards do: it delivers real, simple, and consistent value in everyday spending.
In practice, it’s definitely worth it if you:
- Already have Amazon Prime
- Shop frequently on Amazon
- Want straightforward cashback without complications
If Amazon is already part of your routine, this card stops being just a payment method and becomes a way to automatically save money on purchases you’d make anyway.
Credit Score Requirements and Approval Factors
To apply for the Amazon Prime Visa, there is a key starting point:
- Recommended credit score: 670 or higher
However, Chase looks beyond just your score. Other important factors include:
- Declared income
- Length of credit history
- Current credit utilization
- Number of open accounts
In other words, even with a lower score, approval is still possible—especially if the rest of your profile is strong.
Which Credit Bureaus Are Pulled?
During the application process, the issuing bank typically checks:
- TransUnion
- Experian
This means your credit history with these two bureaus will directly impact the decision.
How to Apply for the Amazon Prime Visa Credit Card
The process is straightforward and can be completed in just a few minutes.
- Go to the Amazon website and choose between:
- Amazon Prime Visa (for Prime members)
- Amazon Visa (for non-Prime users)
- Click “Apply Now”
- Log in to your Amazon account
- Fill out the required information:
- Personal details
- Residential address
- Annual income
- Select your card design (if available)
- Accept the terms and submit your application
After that, you may:
- Get approved instantly
- Or receive a decision within up to 30 days
Pro Tip to Avoid Rejection: Reconsideration Line
Here’s something most people overlook and it can completely change the outcome. If you:
- Aren’t approved instantly
- Or receive a pending review message
There’s a shortcut: call the Chase reconsideration line. In many cases, a representative can:
- Manually review your application
- Ask for additional details
- And even approve you on the spot
📞 Card Customer Service: 1-800-432-3117
This simple step has helped many applicants get approved.
Credit Limit: What to Expect
Even with a strong credit profile, there’s something that can catch people off guard: Low initial credit limits are more common than expected
For example: Approvals with limits as low as $500
- This usually happens when:
- You already have multiple credit cards
- Your total credit limit is already high
- Or your credit history is still relatively new
The good news:
- Chase allows you to request a credit limit increase later
- And often does so with a soft pull (no impact on your score)
FAQ – Common Questions
Is this card worth it if I only use Prime Video?
Probably not. The main value comes from purchases within Amazon and its partners, not just streaming.
Can I apply for both cards and get two bonuses?
No. You can only have one version and receive one welcome bonus.
If I cancel Prime later, do I lose the bonus?
No. The bonus is usually not removed, but you’ll lose higher benefits like the 5% cashback.
How long should I wait before requesting a credit limit increase?
Ideally, wait 3 to 6 months, while maintaining good usage and on-time payments.
I already have a Chase card. Can I still apply for this one?
Yes, but keep this in mind: Chase often limits total credit to about 50% of your declared income.
If you’re close to that, you may receive a lower limit.
Can I use the gift card anytime?
Yes. The balance is added to your Amazon account and can be used whenever you want.
How long does it take to receive the physical card?
Typically, 5 to 7 business days after approval.
Is the welcome bonus digital or physical?
The gift card is digital and is automatically added to your Amazon account.
How do I pay my bill if I don’t have a Chase account?
You can link any bank account, just like with any other credit card.
You will be redirected to an external website.
