April 13, 2024

In case you’ve ever shopped on Amazon.com, you’ve most likely seen the card_name marketed at checkout. This card, issued by means of Chase, is a no annual charge rewards card that helps Amazon consumers maximize their cash-back earnings whereas having fun with choose different advantages.

Right here’s a take a look at what the card_name gives and the best way to resolve if it’s best for you.

Prime Visa

Credit score rating wanted

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Common APR

reg_apr,reg_apr_type

Welcome provide

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The Prime Visa is likely one of the most versatile money again bank cards you possibly can open due to its monster return charge at Amazon and Entire Meals. Between these two manufacturers, you will get absolutely anything you’d probably want.

TIME’s Take

The card_name is a no annual charge bank card that gives aggressive rewards for shoppers who frequently spend on Amazon.com, by means of Amazon Pay, at Entire Meals, or on issues like gasoline and eating places. It additionally gives as much as 5% again on Chase Journey bookings along with sure journey protections, making it a worthwhile consideration for a lot of shoppers.

In case you’re not an Amazon shopper or don’t need one other journey bank card, this may not be the fitting product for you. It doesn’t provide any luxe journey advantages nor does it earn factors or miles that could possibly be transferred to a companion airline or lodge. It additionally doesn’t have a big welcome bonus or 0% APR stability switch provide, in case you deliberate to capitalize on both of these.

Professionals and cons

Professionals:

  • No annual charge
  • 1% to five% money again on each buy
  • Get pre-qualified in as little as 15 seconds

Cons:

  • Welcome bonus is small
  • Prime membership required for the best rewards
  • 0% introductory APR is proscribed to Amazon.com and Amazon Pay purchases

Who’s the cardboard for?

The card_name is a co-branded rewards bank card designed for current Amazon Prime consumers who wish to maximize their rewards on spending with out paying an annual charge. This card gives an introductory intro_apr_rate,intro_apr_duration as nicely, doubtlessly saving cardholders cash in curiosity fees.

The very best rewards charges are reserved for Amazon Prime members. Rewards could be redeemed on Amazon.com, at choose retailers who settle for Amazon Pay, or by means of Chase.com for issues like present playing cards, journey bills, or money again.

Options

Right here’s a take a look at a few of the key options of this bank card, how they work, and why every one issues.

No annual charge

There isn’t a annual charge for the card_name. In comparison with different rewards bank cards, this might doubtlessly prevent as much as a whole bunch of {dollars} per yr.

Rewards

The card_name earns a minimum of 1% again on all the pieces you purchase, daily. Nonetheless, it additionally has a number of bonus rewards classes that may earn you as much as 5% again on the stuff you purchase most.

Rewards classes embody limitless:

  • 5% again at Amazon.com.
  • 5% again at Entire Meals Market.
  • 5% again on Chase Journey purchases.
  • 2% again at gasoline stations.
  • 2% again at eating places (together with take out).
  • 2% again on native transit and group (together with rideshare).
  • 1% again on all the pieces else.

There are additionally unique card_name bonus gives that permit cardholders to earn 10% again on choose objects and spending classes. These limited-time gives change ceaselessly, so it’s necessary to maintain a watch out to maximise your earnings.

Rewards could be redeemed on Amazon.com as quickly as the following day. You too can select to redeem your earned money again at Chase.com for present playing cards, journey, or money again.

Introductory APR

This card gives an introductory intro_apr_rate,intro_apr_duration, which supplies you six months of interest-free funds on purchases of $50 or extra and 12 months of interest-free funds on purchases of $250 or extra whenever you make equal month-to-month funds. So as to qualify for the Equal Pay provide, your buy must be made by means of Amazon or at eligible retailers utilizing Amazon Pay.

There isn’t a promotional APR provide on stability transfers, and also you’ll solely be capable of redeem this provide when paying on, or by means of, Amazon on your new buy(s). You additionally received’t earn rewards on Equal Pay promotion purchases.

The advantageous print

It’s at all times necessary to learn the main points of any bank card product earlier than making use of or utilizing the cardboard. This ensures that you simply absolutely perceive any relevant charges, limitations, or prices that you simply may encounter alongside the best way. Right here’s a take a look at a few of the advantageous print for the card_name.

Charges

There are a selection of potential charges you could possibly end up paying with the card_name, relying on how you employ the cardboard. Whereas there is no such thing as a annual charge or foreign-transaction charges, others embody:

  • Late charges as much as late_payment_fee.
  • Returned cost charges as much as $39.
  • Steadiness switch charges of balance_transfer_fees.
  • Money advance charges of cash_advance_fee.
  • Month-to-month charge of 1.72% when enrolling purchases in My Chase Plan.

Curiosity fees

In case you carry a stability from one month to the following, you’ll be topic to finance fees within the type of curiosity. The APR on this card ranges from reg_apr,reg_apr_type , relying on elements resembling your creditworthiness. This charge applies to new purchases, stability transfers, and My Chase Mortgage funds.

Money advances are topic to the next APR of cash_advance_apr, which can be the penalty APR. Penalty APRs might apply in case you make a late cost or have a cost returned.

Further hidden perks

Along with the advantages talked about above, there are a couple of different card_name perks to notice.

Shopper protections

This card gives some client protections on the stuff you purchase, together with prolonged guarantee safety and buy safety. With prolonged guarantee safety, you’ll rise up to a further yr of guarantee protection on any merchandise you purchase with a producer’s guarantee, so long as the length is three years or much less. With buy safety, your new merchandise is roofed for as much as 120 days towards harm or theft, for a restrict of as much as $500 per declare and $50,000 over the lifetime of your account.

Journey protections

Whether or not you jetset around the globe or sometimes make a journey house, the card_name has sure journey protections in-built that may make life simpler. These embody:

  • Rental automotive collision harm protection.
  • Baggage delay insurance coverage.
  • Journey accident insurance coverage.
  • Journey and emergency help companies.
  • Misplaced baggage reimbursement.

Roadside help

In case your automotive breaks down and also you need assistance, this card gives on-call emergency roadside dispatch. This service can offer you gasoline supply, a jumpstart, a tow, tire change, lockout service, and extra. Any relevant charges can be charged to your card.

What could possibly be improved

No card is ideal or proper for each client. The card_name is not any exception. For instance, this most likely isn’t the perfect card for somebody who isn’t an Amazon Prime member or doesn’t ceaselessly store on the positioning or at Entire Meals, as they’ll miss out on the utmost rewards earnings and the best redemption choices.

In case you’re trying to consolidate balances with a 0% APR stability switch provide, this additionally isn’t the fitting card for you. It does have a 0% APR provide, however that is restricted to new purchases solely. And whereas the welcome bonus is instant and doesn’t have a minimal spend requirement, it’s additionally very small.

Card options

Backside line

In case you’re an Amazon Prime member, and store on Amazon.com or Entire Meals frequently, the co-branded card_name is likely to be price a glance. This no annual charge bank card offers cardholders with cash-back rewards on all purchases along with bonus earnings by means of Amazon, Entire Meals, or at gasoline stations and eating places. It additionally has sure client protections built-in and a 0% APR provide for brand spanking new cardholders, although that is restricted to new purchases solely.

Prime Visa

Credit score rating wanted

credit_score_needed

Common APR

reg_apr,reg_apr_type

Welcome provide

bonus_miles_full

The Prime Visa is likely one of the most versatile money again bank cards you possibly can open due to its monster return charge at Amazon and Entire Meals. Between these two manufacturers, you will get absolutely anything you’d probably want.

Incessantly requested questions (FAQs)

What does the card_name card do?

The card_name is a no annual charge bank card providing between 1% and 5% money again on all purchases. These made on Amazon.com or at Entire Meals earn probably the most.. Rewards could be redeemed for money or by means of Amazon (together with Amazon Pay). As well as, the cardboard offers cardholders with each an introductory 0% APR and quite a lot of client and journey protections.

What’s the minimal credit score rating for card_name?

Chase doesn’t publish a minimal credit score rating requirement for the card_name. Nonetheless, Chase money again bank cards sometimes require good to glorious credit score with the intention to qualify.

Can the card_name be used anyplace?

Sure. The card_name can be utilized anyplace that Visa is accepted.

How do I pay my card_name?

Your card_name invoice can be acquired by digital or paper assertion, relying in your preferences. You may then make a cost in your card by means of the web site, cell app, over the cellphone, or by mailing a examine or cash order.

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