Is the Prime Visa worth a spot in your wallet?
The honest math on the Prime Visa: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy.
Chase · No annual fee · cash back
Earning rates
- 5x Amazon.com, Whole Foods Market, Amazon Fresh, Audible.com, Shopbop
- 5x Chase Travel portal bookings
- 2x Restaurants
- 2x Gas stations
- 2x Local transit and commuting, including rideshare
- 1x Everything else
Protections and perks (6)
- Auto Rental Collision Damage Waiver — Collision/theft coverage on most rental vehicles paid with the card — secondary in the US, so it pays after your personal auto policy.
- Baggage Delay & Lost Luggage — Up to $100/day (3 days) for essentials when bags are delayed over 6 hours; up to $3,000 per covered traveler for lost, damaged, or stolen luggage.
- Extended Warranty — Adds a year to eligible US manufacturer warranties of 3 years or less, up to 4 years from the date of purchase.
- Purchase Protection — New purchases covered 120 days against damage or theft, up to $500 per item.
- Travel Accident Insurance — Up to $500,000 in accidental death or dismemberment coverage when air, bus, train, or cruise fares are paid with the card.
- No Foreign Transaction Fees — No surcharge on purchases abroad — unusual for a no-annual-fee co-brand card.
Card data verified against Chase on 2026-08-21.
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