The Amazon Prime Visa Signature Card, issued by Chase, is the single highest built-in cashback rate available for regular Amazon shoppers. Prime members earn 5% back on every purchase at Amazon.com and Whole Foods Market, with no cap and no annual fee beyond the existing Prime membership.
Apply through Chase or your Amazon account; approval requires an active Prime membership.
Every eligible Amazon and Whole Foods purchase earns 5% back automatically — no activation, no rotating categories.
Cashback posts as Amazon reward points at a 1 point = $0.01 rate and can be redeemed at checkout, for statement credit, gift cards, or travel.
Restaurants, gas stations, and local transit earn 2%; everything else earns 1%.
Households that spend more than a few hundred dollars a year on Amazon and already pay for Prime — the 5% rate pays for itself quickly.
The 5% rate ends the moment your Prime membership lapses. Without Prime the card drops to 3% on Amazon, which many flat-rate cards beat.