Core Insights - The Prime Visa card is designed to maximize cash-back rewards for Amazon Prime members, particularly benefiting frequent Amazon and Whole Foods shoppers [2][10][12] Summary by Sections Card Features - The Prime Visa card has no annual fee and offers a welcome bonus of a $150 Amazon Gift Card upon approval for Prime members [4] - The ongoing APR ranges from 19.49% to 28.24% variable, with a recommended credit score of excellent to good [4] - Cash-back rewards include 10% or more on rotating items, 5% at Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel, 2% at gas stations and restaurants, and 1% on all other purchases [4][12] Benefits - The card includes travel protections such as baggage delay insurance, lost luggage reimbursement, and auto rental collision damage waiver, which are not common among cash-back cards [5][14] - Purchase protection covers new purchases against damage or theft for 120 days, up to $500 per claim and $50,000 per account [6] - Extended warranty coverage adds an additional year to U.S. manufacturer's warranties of three years or less on eligible purchases [6] Earning and Redeeming Rewards - To earn the full 5% cash back, the card must be linked to an eligible Amazon Prime account; otherwise, the cash back drops to 3% [7][8] - Rewards can be redeemed for Amazon purchases, gift cards, cash via statement credit, or travel bookings through the Chase Travel portal [9] Target Audience - The Prime Visa card is best suited for regular Amazon and Whole Foods shoppers who have a Prime membership, as the value diminishes for those who do not frequently shop at these retailers [10][12] - It also provides value for everyday spending categories like dining and gas, making it appealing for a broader audience [13] Comparison with Other Cards - While the Prime Visa offers high cash-back rates, it lacks some benefits found in other flexible rewards or travel credit cards, which may have higher annual fees but offer more perks [18]