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Prime Day is back on July 16-17, which means it's an excellent time to consider signing up for Amazon's credit card. This way, you can take your savings even further during the annual sales event as you jump into the holiday shopping season.

For a limited time, if you open the Prime Visa Credit Card, you can instantly earn a $200 Amazon gift card. The best part? That gift card will hit your Amazon account immediately, and you can use it right away for Prime purchases. There's no waiting for it to arrive in the mail or even your inbox, so this card could save you a bundle.

Prime Visa Credit Card

amazon prime visa credit card
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Secure application on Amazon’s site

  • Our Rating 3.5/5 How our ratings work
  • APR20.49% - 29.24% (Variable)
  • Annual Fee$0 More info

    $0 with Prime membership

  • Sign-Up Bonus $200Gift Card More Info

    Get a $200 Amazon Gift Card instantly upon approval exclusively for Prime members

This card is a good fit for consumers who do a lot of shopping at Amazon and Whole Foods because they can earn an unlimited 5% cash back on purchases there. Cardholders also earn some cash back on other purchases, with decent rates for restaurants and gas stations. If you already have or plan to get a Prime membership, using this card could quickly earn you sizable cash back.


With high rewards rates, this card could make up for the required Prime membership fee if you shop a lot at Amazon and Whole Foods. Non-Prime members can qualify for the Prime Visa Credit Card, which is pretty similar but with lower rewards rates.


  • No annual fee
  • High rewards rates
  • Sign-up bonus offer
  • Can redeem rewards as soon as the next day
  • No foreign transaction fees


  • Must have a Prime membership for highest rewards rates
  • No intro APR offer

If you have a Prime membership (as the majority of U.S. households do) the Prime Visa Credit Card can help you unlock more rewards and savings.

Here's a look at how to cash in on this offer.

How to Earn the $200 Gift Card

You can earn a $200 Amazon gift card when you're approved for a Prime Visa Credit Card. While this isn't the most valuable promotion we've seen for this card, it's pretty amazing to see a bonus offer you can earn just for being approved. To earn a similar bonus with a competing card, you'd typically need to spend several hundred dollars.

In the past, this card offered new cardholders the chance to earn up to $275 in bonuses, but doing so required a lot more legwork. With that promotion, you received a $150 gift card upon approval, then had the opportunity to earn up to $125 in cash back thanks to an accelerated rewards rate that was applied to all purchases for three months.

While it's a little disappointing that this $200 promotion does not include any sort of elevated rewards rate, customers may value the one-and-done simplicity of this new offer. Plus, the card still earns an unlimited 5% back on Amazon purchases, so you have a great opportunity to stack some cash back rewards. And, as mentioned, you can use your gift card right away.

Bottom Line

If you're a regular Amazon shopper, you'd do well to hold one of Amazon's credit cards. Few other cards will reward you with an unlimited 5% back on Amazon purchases like the Prime Visa Credit Card does, and it's rare to see a credit card offer a bonus immediately upon approval.

With Prime Day being one of the best days of the year to shop on Amazon, you can increase the value of pretty much any deal you find during the event by purchasing it with an Amazon credit card.

Recommended Cash-Back Credit Cards

Credit Card Rewards Rate Intro Bonus Annual Fee Learn More

Chase Freedom Unlimited®

1.5% - 5%Cashback More Info

Enjoy 5% cash back on travel purchased through Chase TravelSM, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases

1.5%Extra Cash Back More Info

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase TravelSM, 4.5% on dining and drugstores, and 3% on all other purchases.


Wells Fargo Active Cash® Card

2%Cashback More Info

Earn unlimited 2% cash rewards on purchases.

$200Cash Bonus More Info

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

Citi Double Cash

Citi Double Cash® Card

2%Cashback More Info

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.

$200Cash Bonus More Info

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.


Ink Business Cash® Credit Card

1% - 5%Cashback More Info

Earn 5% cash back on your first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. It also offers you 2% cash back on your first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.

$750Cash Bonus More Info

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening


Louie Patterson

Louie Patterson is a Finance Content Manager who specializes in banking topics such as account bonuses and CDs. With over seven years of professional editorial experience, their work has appeared in several publications, including USA Today and Consumer Affairs.