Verdict · Updated April 2026
Amazon Prime Visa for First Credit Card
The Amazon Prime Visa isn't optimized for first credit card — ranked #40 of 47 eligible cards. Unless you already hold it for other reasons, consider one of the alternatives below.
Rank #40 of 4715th percentileConsider alternatives
Reviewed by CardCompare Editorial Board
|Data-driven ranking|Updated April 2026
Amazon Prime Visa
Chase · No annual fee
The essential card for Amazon Prime members. 5% back on all Amazon.com and Whole Foods purchases is hard to beat. The 2% on restaurants, gas, and transit makes it a solid everyday card too. No annual fee beyond your Prime membership.
Full card review
Earn math — First Credit Card profile
Based on typical first credit card spending of $9,720/year across the categories below.
Annual rewards
$119
Annual fee
$0
Net value
$119
Easy approvalZero feeSimple rewardsReports to all 3 bureaus
Where the Amazon Prime Visa wins for first credit card
- Zero annual fee — no fixed cost to worry about
Where it falls short
- Typically requires good credit — may deny thin-file applicants
- Complex reward structure is harder to maximize as a beginner
- No intro 0% APR and a high regular APR (27.49%) — carrying a balance is expensive
Top 3 alternatives for first credit card
Cards that rank higher than or close to the Amazon Prime Visa on our first credit card scoring model.
How the Amazon Prime Visa performs for other use cases
Frequently asked questions
Is the Amazon Prime Visa a good card for first credit card?⌄
The Amazon Prime Visa isn't optimized for first credit card — ranked #40 of 47 eligible cards. Unless you already hold it for other reasons, consider one of the alternatives below.
How much can I earn with the Amazon Prime Visa on first credit card spending?⌄
At the typical first credit card spending profile of $9,720/year, this card earns approximately $119 in rewards — net $119 after the $0 annual fee.
What are better alternatives to the Amazon Prime Visa for first credit card?⌄
Our top 3 alternatives are Chase Freedom Rise, Bank of America Travel Rewards for Students, Discover it Student Cash Back. Each ranks higher on our use-case scoring model for first credit card.
What credit score do I need for the Amazon Prime Visa?⌄
The Amazon Prime Visa typically requires good credit. Approval also depends on income, existing debt, and application history — a score in the stated range doesn't guarantee approval.
Is the Amazon Prime Visa's annual fee worth it for this use case?⌄
The Amazon Prime Visa has no annual fee — there's no breakeven to clear, so any rewards earned on first credit card spending are pure profit.
Want the full card review?
See rewards, fees, and all perks of the Amazon Prime Visa