
Chase
Amazon Rewards
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Card review
Amazon Rewards
Chase
Last updated October 9, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$0
Welcome bonus
50 pts welcome offer
Est. net value
$367/yr
Credit score
Varies
Top earn rate
3x everything else
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.
| Category | Rate |
|---|---|
| Everything elseAmazon.com | 3× |
| Everything elseWhole Foods Market | 3× |
| DiningDining | 2× |
| GasGas | 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.
Benefits & perks
- 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 during a covered trip.
- 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.
- No foreign transaction fees
- Roadside Assistance
If you have a roadside emergency, call for dispatch. 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.
- Refer Friends
Earn a $50 Amazon Gift Card for each friend who is approved for the Amazon Visa or Prime Visa. Earn up to $500 in Amazon Gift Cards per year.
- Contactless - Just Tap To Pay
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
This card has no annual fee
Focus on whether the earn rates and welcome offer beat cards you already carry — use the reward calculator below for net value on your spend.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
Confirm net value on a no-annual-fee card.
Points & Miles → $ Converter
Convert points and miles to estimated cash value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
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Reward calculator
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- There's no annual fee — focus on whether the earn rates beat cards you already carry.