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Card Review

Credit CardChase
Amazon Rewards credit card

Amazon Rewards

Annual Fee

$0

Welcome Bonus

50 pts welcome offer

EST. Net Value

$367/yr

Credit Score

Varies

Top Earn Rate

3x everything else


Last updated November 5, 2026 | Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly).
Verify current terms on the issuer site.

Advertiser disclosure:
Flo may receive compensation from card issuers when you click “Apply” and are approved. This does not affect our rankings or calculator math. Read our advertising policy and methodology.

Flo Analysis

Computed from live catalog data — where this card ranks, wins, and needs a caveat.

Category standing — vs 1,096 cards in the catalog

Everything else

3x

Dining

2x

Gas

2x

Where it wins:
No annual fee — every dollar of rewards and credits is net value.

Overview

How this card fits in your wallet — fees, value, and who it's built for.

The Amazon Rewards from Chase carries no annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $367.20 in rewards plus $0.00 in credits and perks — $367.20 net per year before welcome bonuses.

How the points work

3% Cash Back at Amazon.com and Whole Foods Market

2% Cash Back on purchases at restaurants, gas stations, and drugstores.

1% Cash Back on all other purchases

Earning rates

Category bonuses from our catalog — verify current offers on the issuer site.

CategoryRate
  • Everything elseAmazon.com
    3×
  • Everything elseWhole Foods Market
    3×
  • Dining
    2×
  • Gas
    2×
  • Everything elseDrug Stores
    2×
  • Everything elseAll Purchases
    1×

Welcome offer

50 points

  • Est. value: $1 (WalletFlo catalog)

Credits & Benefits

Statement credits and perks we model in net-value calculations.

Credits

  • No statement credits listed for this card

Benefits

  • No Foreign Transaction Fees

    You will pay no foreign transaction fees when you use your card for purchases made outside the United States.

  • Extended Warranty Protection

    Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less.

  • Purchase Protection

    Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.

  • Baggage Delay Insurance

    Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.

  • Zero Liability Protection

    You won't be held responsible for unauthorized charges made with your card or account information.

  • Travel Accident Insurance

    When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive up to $500,000 in accidental death or dismemberment coverage.

  • Lost Luggage Reimbursement

    Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen.

  • Auto Rental Coverage

    Provides reimbursement for theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance.

  • Roadside Assistance

    If you have a roadside emergency, call the service provider to dispatch the help you need. Roadside service fees will be billed to your card.

  • Travel and Emergency Assistance

    Provides legal and medical referrals and access to other travel and emergency assistance services. You will be responsible for the cost of any goods or services obtained.

Is the annual fee worth it?

Quick breakeven from stated credits and perks — open the full tool to dig deeper.

Credits & perks vs fee

Annual fee−$0
Stated credits+$0
Perks (est.)+$0
Net after credits & perks$0

Verdict

Credits & perks offset the fee on paper

Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.

Rewards Calculator

Model this card on your spend — adjust categories and compare with others.

$367/yr

Loading calculator…

Estimates for illustrative purposes. See methodology

FAQ's

  • Issuers generally look for good-to-excellent credit; exact thresholds vary.

  • There's no annual fee — focus on whether the earn rates beat cards you already carry.

  • Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.

Ready to apply?

Amazon Rewards

Apply Now