Prime Visa Credit Card

Card vs. network tier — why the Guide to Benefits says "Visa Signature"

Three nested things carry “Visa Signature” in their name:

• The card — “Prime Visa” is the specific product (its own rewards, Amazon perks, and Prime linkage). Formerly branded Amazon Prime Rewards Visa Signature Card.
• The network tier — Visa Signature is Visa’s upper consumer tier (above Visa Traditional/Platinum). The Prime Visa is issued on this tier.
• The benefits package — Chase buys an insurance package (from Virginia Surety) and attaches it to its Visa Signature cards, then serves the Guide to Benefits by tier, not by card name — which is why BGC11359 is titled “Visa Signature® and Visa Platinum,” not “Prime Visa.”

So: Prime Visa → issued on the Visa Signature tier → receives the Chase Visa Signature Guide to Benefits (BGC11359). Same three-layer split as the Chase Aeroplan Credit Card (which sits on Mastercard World Elite). The insurance layer is tier-shared; what makes it this card is the rewards agreement (¹) and Amazon perks (²).

Core Value Proposition

The Prime Visa (US) is a cobranded Amazon cash-back card issued as a Visa Signature, with no annual card fee — but it requires an active Amazon Prime membership ($139/yr) to earn its headline rate and to hold the “Prime” version at all.³ Its whole reason to exist is the unlimited 5% back at Amazon, Whole Foods, and on Chase Travel for Prime members; drop Prime and those categories fall to 3% (and you may be moved to the non-Prime Amazon Visa).³²

Rewards accrue as Amazon Rewards points (1¢ each), not Chase Ultimate Rewards — no airline/hotel transfer partners, redeemable at Amazon checkout, as statement credit, or for gift cards/travel at Chase.com.² It’s a spend-category tool, not a travel or points-transfer card; the right framing is a no-fee Amazon companion to a transferable-points card, not a standalone.

Earning

Category	Rate (Prime)	Rate (no Prime)
Amazon.com, Amazon Fresh, Audible, Whole Foods, participating Amazon stores	5%	3%
Chase Travel (prepaid, via chasetravel.com)	5%	3%
Gas stations, restaurants, local transit & commuting (incl. rideshare)	2%	2%
Everything else	1%	1%
Rotating Amazon promos (Prime members)	10%+	—

Uncapped in all categories.³² ”% back” is tracked as points at 100 points per $1 of rewards.² Prime cardmembers also get 10% back or more on a rotating selection of Amazon items/categories during promo windows (the quoted figure includes the base 5%).²

Earning exclusions & program terms

5% Chase Travel applies only to prepaid bookings on chasetravel.com (or the number on the back of the card) — airfare, hotels, car rentals, cruises. Travel booked direct with the supplier does not earn the bonus rate (falls to 1%), and any portion paid with points doesn’t qualify.² Whole Foods excludes certain third-party vendors, gift cards bought via buyatab, event tickets/classes, massage, and Spa@Ink.²

Standard non-qualifying transactions (no points): Amazon purchases put on a promotional-financing / Equal Pay offer, balance transfers, cash advances and cash-like transactions (including cryptocurrency and person-to-person / account-funding transfers), wagering, account checks, interest, and fees.¹ Points don’t expire while the account is open.¹ The Prime-tier 5% and the “Prime Visa” product itself both require active Prime; cancel Prime and Amazon earning drops to 3% and Chase may move you to the Amazon Visa.³

Account-linking trap (5% vs 3%). The RPA calls the two structures 5-2-1 (with Prime) and 3-2-1 (without).¹ Earning 5% isn’t automatic if you juggle Amazon accounts: the card must be loaded into, and selected on, the specific Amazon account that holds the eligible Prime membership. Switching Amazon accounts, loading the card on multiple accounts, or having the Prime account go un-selected drops you to 3% until you re-confirm the card under “Manage Payment Options.” If a second Prime Visa is approved and loaded on the same Amazon account, that new card takes over the 5%.¹

Losing points. Points are immediately forfeited if the account is closed for misuse, fraud, bankruptcy/inability to pay, or breach of another Chase agreement.¹ If the account is closed for any other reason, you keep 30 days to use them. On notice of death, points are auto-redeemed to a statement credit (not lost). Before redemption, points aren’t property and can’t pass by inheritance, bankruptcy, or divorce; manufactured spend and churning accounts to generate rewards are named misuse.¹ Governing law is Delaware; program participation may generate a 1099-MISC or 1042-S, and you’re liable for any tax — relevant given the cross-border US/Canada picture.¹

Key Benefits Summary

Benefit	Value	Notes
5% Amazon / Whole Foods / Chase Travel (Prime)3	Uncapped	Core reason to hold the card
Rotating 10%+ Amazon promos2	Variable	Prime members, promo windows
Welcome bonus (Amazon gift card)4	$150–200	Loaded on approval, usually no min spend
No annual card fee3	—	But needs Prime ($139/yr) for 5%
No foreign transaction fee3	~3% saved abroad	Unusual for a no-fee co-brand
Daily rewards redemption3	—	Redeem at Amazon checkout, next-day
0% intro APR (promo) OR rewards5	Variable	6 mo on $50+/12moon$250+ purchases — forfeits rewards on that purchase
Travel & purchase protection6	Variable	Visa Signature Guide; see coverage table

Protection benefits (Visa Signature Guide)

Provided under the Chase Visa Signature Guide to Benefits (BGC11359, effective 10/01/24), underwritten by Virginia Surety Company (an Assurant company).⁶ Coverage is secondary and requires charging all or part of the eligible purchase / common-carrier fare to the card (or paying with redeemable rewards).

The important structural point vs. the Chase Aeroplan Credit Card: the Prime Visa has NO trip cancellation/interruption and NO trip delay cover. In exchange it adds Extended Warranty, Lost Luggage, and Travel Accident, which the Aeroplan lacks. So for trip-disruption protection the Aeroplan is stronger; for stuff you buy and check the Prime Visa is broader.

Benefit	Covered?	Limit	File within
Purchase protection	Yes	$500/item,$50,000/acct, 120 days (NY 90)7	Notify 90 / docs 120
Extended warranty	Yes	+1 yr on mfr warranties of 3 yrs or less; $10,000/item,$50,000/acct8	Notify 90 / docs 120
Baggage delay	Yes	$100/day up to 3 days, delay over 6 hrs9	Notify 20 / docs 90
Lost luggage	Yes	$3,000/traveler/trip(NY$2,000/bag)10	Notify 20 / docs 90
Auto rental (collision/theft)	Yes	Secondary in US, up to $60,000, 31 days11	Notify 100 / docs 365
Travel accident (AD&D)	Yes	$100,000(24-hr)/$500,000 (common carrier)12	Notify 20 / docs 90
Roadside assistance	Yes (pay-per-use)	Fees billed to card at dispatch13	—
Travel & emergency assistance	Yes (referral only)	Coordination; you pay all costs14	—

Purchase protection & extended warranty (the shopping pair)

Purchase protection covers a new purchase against theft, damage, or “involuntary and accidental parting” for 120 days (90 for NY residents), up to $500/itemand$50,000/account; secondary to homeowner’s/renter’s/other insurance.⁷ Excludes lost or “mysteriously disappeared” items, motorized vehicles, computer software, consumables, and items in a common carrier’s care (a lost shipped package is a carrier claim first).⁷

Extended warranty adds one year onto a U.S. manufacturer’s warranty of three years or less (Aeroplan/Sapphire-style cards use a 5-year threshold — this one is tighter), up to $10,000/item,$50,000/account; no coverage if cumulative warranties already exceed 3 years, and total coverage never exceeds 4 years from purchase.⁸ The pairing is the card’s real everyday value: since you’re already buying electronics/appliances on Amazon at 5%, both protections attach automatically. Both file at chasecardbenefits.com; notify within 90 days, docs within 120.⁷⁸

Baggage, luggage & rental (quick reference)

Unlike the Aeroplan card, the Prime Visa carries both baggage benefits. Baggage delay: essentials at $100/dayforupto3days\ast \ast whencheckedbagsaredelayed\ast \ast over6hours\ast \ast .{[}^{2}3]\ast \ast Lostluggage\ast \ast :actualcashvalueupto\ast \ast$3,000/traveler/trip (NY: $2,000/bag,$10,000 all travelers) for checked or carry-on baggage lost/damaged/stolen by the carrier, with $500 sub-limits each for jewelry/watches and cameras/electronics; excludes documents, money, tickets, furs.¹⁰ Both require charging the common-carrier fare to the card and reporting to the carrier; notify within 20 days, docs within 90.⁹¹⁰

Auto rental CDW is secondary in the US (primary abroad, or when renting for business / with no personal auto policy): decline the counter CDW, charge the full rental to the card; covers theft and collision up to **$60,000forthefirst31consecutivedays\ast \ast ;excludesexotic/expensive(MSRPover$125k) and antique vehicles, most vans and trucks, and certain countries. Notify within 100 days, docs within 365.¹¹

Travel accident & emergency assistance

Travel accident insurance pays AD&D for a covered loss on a trip: up to $100,000\ast \ast (24-hour,whileonthetrip)or\ast \ast$500,000 (common-carrier — riding/boarding/exiting the carrier whose fare was charged to the card).¹² Travel & emergency assistance is referral/coordination only — medical/legal referrals, emergency transport arrangements, translation, lost-ticket help — but you pay all actual costs; it does not reimburse.¹⁴

What this card is not

• Not a travel-rewards or transfer card — Amazon Rewards points have no airline/hotel partners and are worth a flat 1¢; for transferable value use a Sapphire or the Chase Aeroplan Credit Card.²
• Not a financing tool — a carried balance at the standard APR erases the 5% quickly; the Equal Monthly Payments / promotional-financing option forfeits rewards on that purchase.²⁵
• Not trip-disruption cover — no trip cancellation/interruption or trip delay; book cancellable travel on a card that has them.⁶

Related

• Chase Aeroplan Credit Card — the World Elite Mastercard companion; stronger trip-disruption cover, transferable-adjacent points; the two share the same underwriter (Virginia Surety) but different tier Guides
• Amex Gold Credit Card — dining/groceries card; overlaps on Whole Foods-type grocery spend but at 4x MR vs. this card’s 5% Amazon-ecosystem cash
• Chase Ultimate Rewards — the transferable ecosystem this card notably does not feed
• Chase 5-24 Rule — approval restriction; the Prime Visa is subject to 5/24
• Stoozing — the 0% intro-APR promo window is relevant here

References

Footnotes

1. Amazon Rewards Program Agreement (RPA0441_0510, dated 01/09/2026) — the authoritative rewards contract for the Prime Visa / Amazon Visa (issued by JPMorgan Chase Bank, N.A.; program offered jointly by Amazon and Chase). Defines the 5-2-1 (Prime) and 3-2-1 (non-Prime) earning structures: 5%/3% at Amazon.com, Whole Foods, participating Amazon sites/stores, and via Chase Travel; 2% gas/local transit & commuting/restaurants; 1% else. % back = points at 100 per $1; each point = 1¢ on redemption. 5%/3% excludes Amazon Pay third-party purchases, international Amazon sites and Whole Foods, WFM via Instacart/Shipt/etc., WFM gift cards/event tickets/massage/Spa@Ink, and Chase Travel bookings made via FROSCH or direct with suppliers. Non-qualifying transactions: promo-financing Amazon purchases, balance transfers, cash advances, cash-like items incl. cryptocurrency and P2P/account-funding transfers, wagering, account checks, interest, fees. 5% requires the card to be loaded into and selected on the Prime-eligible Amazon account; juggling accounts or a newer Prime Visa on the same account can drop earning to 3%. Points don’t expire while open; immediate forfeiture on closure for misuse/fraud/bankruptcy/failure to pay/breach of another Chase agreement; 30-day grace on other closures; on death, points auto-redeem to a statement credit. Named misuse includes manufactured spend and repeatedly opening/maintaining accounts to generate rewards. Points aren’t property (no inheritance/bankruptcy/divorce transfer). Governed by Delaware law; participation may generate a 1099-MISC or 1042-S. ↩ ↩² ↩³ ↩⁴ ↩⁵ ↩⁶ ↩⁷ ↩⁸

2. Amazon — Prime Visa & Amazon Visa benefits / rewards terms — % back tracked as points (100 pts per $1 of rewards); 5% vs 3% determined at time of purchase by Prime status; Chase Travel 5% applies only to prepaid chasetravel.com bookings, not direct-with-supplier or points-paid portions; rotating 10%+ Amazon promos include the base 5%; non-qualifying transactions (promo financing, balance transfers, cash advances, wagering, fees, interest) earn no points; points don’t expire; rewards are Amazon Rewards points (no Ultimate Rewards, no transfer partners). Full Rewards Program Agreement at chase.com/amazon/rewardsagreement. ↩ ↩² ↩³ ↩⁴ ↩⁵ ↩⁶ ↩⁷ ↩⁸ ↩⁹ ↩¹⁰ ↩¹¹

3. Prime Visa, official Chase product page — no annual card fee; 5% at Amazon/Audible/Whole Foods/Chase Travel with eligible Prime, 2% gas/restaurants/transit, 1% else; no foreign transaction fee; daily rewards redemption; issued on Visa Signature. Prime membership required for the 5% rate and the Prime version of the card. ↩ ↩² ↩³ ↩⁴ ↩⁵ ↩⁶ ↩⁷ ↩⁸

4. Prime Visa product pages / reviews — welcome offer is typically a $150–200AmazongiftcardloadedtotheAmazonaccountinstantlyonapproval,usuallywithnominimum-spendrequirement(amountvariesbypromotion;a$50 offer runs on the non-Prime Amazon Visa). ↩

5. Prime Visa reviews — intro-APR / financing terms — as an alternative to earning rewards on a given Amazon purchase, cardholders can choose a 0% promotional APR (commonly 6 months on purchases of $50+,12monthson$250+); choosing Equal Monthly Payments / promotional financing on a purchase means that purchase earns no % back. Standard purchase APR is a variable ~18.74%–27.49%. ↩ ↩²

6. Chase Visa Signature & Visa Platinum Guide to Benefits (BGC11359, effective 10/01/24) — the authoritative benefits certificate for the Prime Visa, retrieved via the chasebenefits.com card lookup. Contains eight travel/purchase protections: Auto Rental Coverage, Baggage Delay Insurance, Extended Warranty Protection, Lost Luggage Reimbursement, Purchase Protection, Roadside Assistance, Travel Accident Insurance, and Travel & Emergency Assistance. No trip cancellation/interruption and no trip delay (unlike the World Elite Guide the Aeroplan card gets). Underwritten by Virginia Surety Company, Inc. (an Assurant company); benefit administrator handles claims; coverage secondary. Served by card tier (Visa Signature) — the tier the Prime Visa is issued on. Not applicable to NY residents for the arbitration clause; various NY-specific limits noted per benefit. ↩ ↩² ↩³

7. Guide to Benefits — Purchase Protection — covers a new purchase against theft, damage, or involuntary and accidental parting for 120 days from purchase (90 days for NY residents), up to $500peritemand$50,000 per account. Secondary to other insurance (homeowner’s/renter’s/etc.). Excludes lost or “mysteriously disappeared” items, motorized vehicles, software, medical equipment, antiques/collectibles, perishables/consumables, used items, and items in a common carrier’s care. May require a police/incident report within 48 hours. Notify within 90 days; proof of loss within 120 days. ↩ ↩² ↩³ ↩⁴

8. Guide to Benefits — Extended Warranty Protection — extends the original U.S. manufacturer’s repair warranty by 1 additional year, on warranties of three years or less (no coverage if cumulative warranties exceed 3 years; total coverage never exceeds 4 years from purchase). Up to $10,000peritem,$50,000 per account. Excludes motorized vehicles, software, medical equipment, used/pre-owned items, and items for resale/commercial use. Notify within 90 days of product failure; proof of loss within 120 days. ↩ ↩² ↩³

9. Guide to Benefits — Baggage Delay Insurance — up to $100/day for up to 3 days for essential items (toiletries, change of clothes, one charger per device) when checked baggage is delayed more than 6 hours from arrival; must charge the common-carrier fare to the card and report the delay to the carrier. Covered Traveler = you + Family Member (broad definition). Excludes electronics/jewelry/cameras and recreational equipment as reimbursable items. Secondary. Notify within 20 days; proof of loss within 90 days. ↩ ↩²

10. Guide to Benefits — Lost Luggage Reimbursement — actual cash value (replacement cost less depreciation), net of carrier reimbursement, for checked or carry-on baggage and contents lost, damaged, or stolen; up to $3,000percoveredtravelerpertrip(NYresidents:$2,000 per bag, $10,000alltravelerspertrip),with$500 sub-limits each for jewelry/watches and cameras/electronics (part of, not on top of, the max). Excludes documents, money, securities, tickets, checks, travelers checks, furs, and items merely left behind on the carrier. Report to the carrier. Notify within 20 days; proof of loss within 90 days. ↩ ↩² ↩³

11. Guide to Benefits — Auto Rental Coverage — reimburses theft of, and collision damage to, a rental vehicle up to $60,000;rentalperiodsupto31consecutivedays.SecondaryintheUS(primaryoutsidetheUS,orwhenrentingforbusiness/withnopersonalautoinsurance).DeclinethecounterCDW/LDWandchargethefullrentaltothecard.ExcludesexoticvehiclesandanywithMSRPover$125,000, antiques (over 20 yrs / not made for 10+ yrs), cargo vans, most trucks, motorcycles, limos, RVs, and passenger vans seating 12+. Notify within 100 days; proof of loss within 365 days. ↩ ↩²

12. Guide to Benefits — Travel Accident Insurance — AD&D for loss of life/limb/sight/speech/hearing from an accident on a trip: up to $100,000for24-hourtravelaccident(onthetrip)and$500,000 for common-carrier travel accident (riding/boarding/exiting the common carrier whose fare was charged to the card, and to/from the terminal). Loss must occur within 1 year of the accident; percentage schedule applies for partial losses. Loss-of-life paid to the estate. Excludes pilot/crew, illness/disease/pregnancy, illegal acts, racing, self-inflicted injury, war. Notify within 20 days; proof of loss within 90 days. ↩ ↩²

13. Guide to Benefits — Roadside Assistance / Dispatch — pay-per-use roadside dispatch (up to 5 mi towing, tire change, jump-start / EV tow to charger, lockout w/o key replacement, up to 5 gal fuel delivery w/o fuel cost, standard winching); light-duty vehicles (≤10,000 lb) only; the per-service fee is quoted and billed at dispatch — not complimentary. Call 1-800-349-2634. ↩

14. Guide to Benefits — Travel and Emergency Assistance — 24/7 referral and coordination only (emergency message relay, medical/legal referral, emergency transport arrangements, ticket replacement, lost-luggage locator, translation, prescription/document help, pre-trip info). Not insurance and not reimbursement — the covered traveler pays all actual medical, legal, transportation, and other costs. Covered Traveler here = you + Immediate Family Member (spouse/domestic partner and dependent children under 26). Call 1-800-349-2634. ↩ ↩²