Cards
Cash BackChaseNo Annual Fee
Prime Visa
Key facts
Annual feeNo annual fee
NetworkVisa Signature
Rewards currencyAmazon Rewards
Recommended creditGood credit (690+)
Near all-time high offer
Current sign-up bonus
$150 gift card issued upon approval≈ $150 value
Reward rates
5% Amazon, Whole Foods Market
2% Restaurants
2% Gas Stations
2% Local Transit and commuting (rideshare)
1% on everything else
Annual credits
This card has annual credits — check the issuer's site for current details.
Travel benefits
Travel Accident Insurance
Covered. Up to $500,000 accidental death and dismemberment (AD&D) coverage on a common carrier when the full fare is paid with the card. Also includes a 24-hour AD&D benefit of $100,000. Coverage period is up to 31 days per trip.
Baggage Delay
Covered. If checked baggage is delayed or misdirected by the common carrier for more than 6 hours, reimburses up to $100 per day for up to 3 days ($300 maximum total) for essential purchases such as toiletries, clothing, and chargers. Must report delay to airline before leaving airport.
Purchase protections
Cell Phone Protection
Covered as a Visa Signature benefit. When you pay your monthly cell phone bill with this card, you receive cell phone protection against damage or theft. Coverage up to $800 per claim (theft) or $1,000 per claim (damage), subject to a $50 deductible. Maximum number of claims per year applies per the Visa Signature Guide to Benefits.
Extended Warranty
Covered. Extends the original U.S. manufacturer's warranty by an additional year on eligible purchases with warranties of 3 years or less. Coverage amount matches the original warranty terms.
Purchase Protection
Covered. Eligible new purchases protected against theft or damage for 90 days from purchase date. Up to $500 per claim, up to $50,000 per cardholder per year.
Other benefits
Authorized User Fee
$0. Additional cardholders can be added at no annual fee.
Secondary Rental Car
Covered (secondary in U.S., primary internationally). Collision damage waiver (CDW) coverage up to $60,000 per rental for collision damage or theft when you decline the rental company's CDW and pay with the card. Maximum rental period 31 days. Excludes luxury vehicles, motorcycles, and vehicles over $125,000 MSRP.
Lost / Stolen Baggage
Covered. Reimburses up to $3,000 per covered traveler per trip for baggage that is lost, stolen, or damaged by a common carrier. Sub-limits apply: $500 for jewelry and electronics. Coverage is secondary to airline reimbursement. Requires filing a Property Irregularity Report at the airport.
Annual Credits
No fixed annual statement credits. Card requires an active Amazon Prime membership ($139/year or $14.99/month) to maintain eligibility for 5% earn rates; if Prime lapses, rates drop to 3% at Amazon/Whole Foods and 1% elsewhere.
Welcome Bonus
$200 Amazon Gift Card instantly upon approval (offer may vary). No minimum spend required for the gift card bonus.
Earn Rates
5% back at Amazon.com and Whole Foods Market (requires active Prime membership); 2% back at restaurants, gas stations, and local transit and commuting (including rideshare); 1% back on all other purchases. Rewards earned as Amazon Rewards points redeemable for Amazon purchases, travel, gift cards, or cash back (statement credit).
Best for
GroceriesDiningGasTransit
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Card terms, reward rates, and offers are subject to change. Always review the current cardmember agreement before applying. He's Got a Point is not affiliated with or endorsed by any card issuer. Benefit coverage may vary — verify with the issuer before relying on any protection.
Card images, names, and logos shown on this page — including the Prime Visa, a product of Chase — are trademarks of their respective owners. Their use here is for identification purposes only and does not imply endorsement or affiliation.