Amazon Prime Visa

Pros

✅ No annual fee

✅ High rewards rate at Amazon.com and Whole Foods

✅ Flexible rewards redemption options

✅ No foreign transaction fees

✅ New cardholder bonus offer

✅ Substantial travel and purchase protections

✅ Visa Signature benefits for added value compared to other store cards

Cons

❌ Requires Amazon Prime membership, which acts as an indirect annual fee

❌ No 0% intro APR for purchases or balance transfers

❌ Rewards points cannot be transferred to other programs, limiting redemption options

❌ Does not earn Chase Ultimate Rewards points

❌ Limited appeal for those who are not frequent Amazon or Whole Foods shoppers