The 5% rate requires an eligible Prime membership linked to the card under Amazon’s rules. Without eligibility, the corresponding rate is 3%. Prime membership costs are separate from the $0 card fee.
Annual card fee: $0. Other fees may apply.
How rewards are earned
| Purchases | points | Conditions |
|---|---|---|
| Eligible Amazon.com, Audible.com and U.S. Whole Foods Market purchases | 5× | Eligible linked Prime membership required. Unlimited; see merchant exclusions below. |
| Chase Travel | 5× | Eligible bookings through Chase Travel, excluding FROSCH channels. Only the portion paid with the card earns points. |
| Gas stations, restaurants, local transit and commuting | 2× | Qualifying merchant codes, including eligible rideshare. Unlimited. |
| Other eligible purchases | 1× | Unlimited ordinary purchase earnings. |
How rewards can be redeemed
Cash or eligible Amazon purchases
1 cent per point. 100 points equals $1. Cash can be a statement credit or deposit into an eligible U.S. Chase account. Redemption limits may apply; credits do not replace required payments.
What qualifies?
Merchant bonuses exclude outside merchants using Amazon Pay, international Amazon sites, international Whole Foods stores, Whole Foods orders through third-party services and online Whole Foods gift cards. Promotional financing purchases do not earn rewards. Other exclusions and merchant-coding rules apply.
Benefits and offers outside this profile
Welcome gift cards, temporary Amazon promotions, promotional financing and non-reward benefits are not valued. Any Prime subscription cost is separate and is not treated as free.
Why there is no calculator estimate
Not included in calculator rankings. Amazon, Audible, Whole Foods, transit and portal spending must be separated from broader categories; Prime eligibility must be explicit. Counting a purchase in two categories would overstate rewards.
Read how we compare rewards and what annual estimates leave out. All calculator estimates assume full payment without interest; this profile is not a borrowing-cost or approval recommendation.
Check the source
The checked date covers the facts presented in this profile, not every benefit or personalized offer. Confirm your exact offer with the issuer.