> ## Documentation Index
> Fetch the complete documentation index at: https://amazonmyprimevisaknowledgedesk.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Prime Visa FAQ: Quick Answers for Cardmembers

> Find quick answers to the most common Prime Visa questions about fees, earning rates, Prime requirements, redeeming points, expiration, foreign transaction fees, and more.

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Get fast answers to the questions cardmembers ask most. Each answer is self-contained and links to full articles when you need more detail.

<AccordionGroup>
  <Accordion title="Is there an annual fee for the Prime Visa?">
    No. The Prime Visa has a \$0 annual card fee. You do need an eligible Amazon Prime membership to earn the top 5% back rate. Prime membership fees are separate and paid to Amazon.
  </Accordion>

  <Accordion title="Who issues the Prime Visa card?">
    The Prime Visa is issued by Chase Bank USA, N.A. Account management, payments, statements, and customer service are handled through Chase. Amazon manages the card's connection to your Amazon account and Shop with Points.
  </Accordion>

  <Accordion title="What is the current welcome offer?">
    New cardmembers may receive an Amazon Gift Card loaded into their Amazon Gift Card balance upon approval. Offers change over time, so confirm the current amount on the official application page before you apply.
  </Accordion>

  <Accordion title="Do I need a Prime membership to get the card?">
    You do not need Prime to be approved for the card. However, you need an eligible Prime membership to earn 5% back at Amazon.com, Whole Foods Market, and Chase Travel. Without Prime, you earn 3% in those categories.
  </Accordion>

  <Accordion title="What are the earning rates?">
    With eligible Prime membership: unlimited 5% back at Amazon.com, Audible.com, Whole Foods Market, Amazon Fresh, and Chase Travel; 2% at gas stations, restaurants, and local transit including rideshare; 1% on all other purchases. Without Prime, the Amazon/Whole Foods/Chase Travel rate is 3%, with the same 2%/1% everywhere else.
  </Accordion>

  <Accordion title="How do I redeem my points?">
    You can redeem points at Amazon checkout with Shop with Points (no minimum), or at Chase.com for cash back, gift cards, or travel. Some redemption types at Chase may have minimums. Points are usually available the next day after a purchase posts.
  </Accordion>

  <Accordion title="Do points expire?">
    Points do not expire as long as your account is open and in good standing. There is no cap on how many points you can earn. If you return a purchase, the points earned on that purchase will be deducted and your balance can go negative.
  </Accordion>

  <Accordion title="Are there foreign transaction fees?">
    No. The Prime Visa does not charge foreign transaction fees, so you can use it for purchases outside the United States without an extra fee.
  </Accordion>

  <Accordion title="Why did my card drop from 5% to 3%?">
    Your rate drops to 3% if your Prime membership lapses, the card is removed from your Amazon account, your Amazon account is closed, a different card is linked to your Prime membership, or you leave an eligible Amazon Household. Only one Prime Visa per Amazon account can earn 5%.
  </Accordion>

  <Accordion title="Can I have more than one Prime Visa?">
    You can have more than one card, but only one Prime Visa per Amazon account can earn 5% back. If you apply for another Prime Visa with the same Amazon account, the existing card may lose the 5% rate.
  </Accordion>

  <Accordion title="What benefits come with the card?">
    Benefits include no foreign transaction fees, contactless tap to pay, equal monthly payments on eligible Amazon purchases of \$50+, Zero Liability Protection, Extended Warranty, Purchase Protection, Baggage Delay coverage, Lost Luggage coverage, Travel Accident Insurance, Auto Rental Coverage, Roadside Assistance dispatch, and Travel and Emergency Assistance. See the Guide to Benefits for full details and restrictions.
  </Accordion>

  <Accordion title="How do I check if I am earning 5%?">
    Sign in to Amazon, go to Your Account, then Your Payments. Expand your Prime Visa details to see the current earn rate displayed for your card.
  </Accordion>
</AccordionGroup>

## Related articles

* [Prime Visa vs Amazon Visa](/getting-started/prime-visa-vs-amazon-visa)
* [Earning rates explained](/rewards/earning-rates)
* [How to redeem points](/rewards/redeem-points)
* [Why you are not earning 5%](/troubleshooting/not-earning-5-percent)
* [Contact customer service](/support/contact)


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