Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Gas | 2% | uncapped |
| Dining | 2% | uncapped |
| Transit | 2% | uncapped |
| Everything else | 1% | uncapped |
| Online retail at Amazon only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
3% | uncapped |
| Groceries at Whole Foods Market and Amazon Fresh only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
3% | uncapped |
| Issuer travel portal portal only — pays only if you book through the issuer's own site, so it is excluded from every ranking on this site |
3% | uncapped |
See how it ranks: best gas cards · best dining cards · best transit cards.
Non-cash perks
- No foreign transaction fees
- Redeem rewards as points at Amazon.com checkout as soon as the next day, no minimum balance to redeem; can also redeem for cash, gift cards, or travel at chase.com
- Extended Warranty Protection (+1 year on eligible warranties of 3 years or less, up to 4 years from purchase)
- Purchase Protection (120 days, up to $500/item)
- Baggage Delay Insurance (up to $100/day for 3 days)
- Zero Liability Protection
- Travel Accident Insurance (up to $500,000 AD&D when travel fare is charged to the card)
- Lost Luggage Reimbursement (up to $3,000 per covered traveler)
Does the fee earn out? · how we got this
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:
- Anyone who doesn't spend at Amazon. Its largest printed rate, 3% on online retail, pays only at Amazon. Anywhere else it earns its base 1%, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
More from Chase
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-03 against issuer terms · sources: www.amazon.com · creditcards.chase.com · creditcards.chase.com. Spot an error? Tell us.