Prime Visa $250 Gift Card Offer

This year, Amazon Prime Day will be running from July 8 to July 11. As a part of the deals that Amazon will be offering as part of Prime Day this year, Amazon is offering a limited-time sign-up offer for the Prime Visa.

An Easily-Achievable Introductory Offer

Prime members who apply for the Prime Visa by July 14, 2025, will instantly receive a $250 Amazon Gift Card upon approval. This can be enticing to many, as you’re not required to spend a set amount of money to receive the $250 gift card.

There’s no catch to receiving the gift card; you simply need to be an existing Prime member, apply for the card, and get approved.

You can use the gift card to cover a variety of items that you could put in your Amazon cart, especially with Prime Day approaching very soon.

For example, if you’re eyeing new luggage like I am, you could use the $250 gift card to nearly cover the cost of a new Away carry-on luggage. Additionally, since Prime Day hasn’t officially hit yet, Away luggage could be discounted, and you might even be able to use the gift card to fully cover the costs of a luggage piece!

Cash Back Benefits

The Prime Visa offers cardholders cash back, with bonus cash in select categories that make it a useful card to spend on Amazon purchases, as well as other select purchases. Here’s how the earning rate breaks down:

• 7% cash back during Prime Day 2025: Prime cardmembers can earn 7% back with No-Rush Delivery on eligible items from July 8, 2025, to July 11, 2025. This is very useful for anyone who wants to make Prime Day purchases, so make sure to use your Amazon card at checkout.

• 5% cash back on Amazon.com: Prime cardmembers can earn unlimited 5% back on Amazon.com purchases. The Prime Visa is one of the best cards to use for Amazon purchases, as most other cards will register Amazon purchases in the miscellaneous category, which usually doesn’t earn any bonus points/cash back.

• 5% cash back at Whole Foods Market: Prime cardmembers can earn unlimited 5% back at Whole Foods Market online or in-store. Personally, I’d rather use another card that earns bonus points for spending at grocery stores.

• 5% cash back at Chase Travel℠: Prime cardmembers can earn unlimited 5% back on Chase Travel℠ purchases. I have the Chase Sapphire Preferred® Card, which earns 5x points on Chase Travel℠ purchases. I prefer earning points over cash back, so I’d rather use my Chase Sapphire Preferred® Card than the Prime Visa.

• 2% cash back at gas stations: You can earn unlimited 2% back at gas stations. The Prime Visa could be useful for filling your gas. I’d rather use a different card that earns more points at gas stations, such as the Wyndham Rewards Earner® Business Card, which earns 8x points on gas.

• 2% cash back at restaurants: You can earn unlimited 2% back at restaurants, whether you dine in or take out. I’d rather use my Chase Sapphire Preferred® Card, which earns 3x points on dining purchases.

• 2% cash back on local transit & commuting: You can earn unlimited 2% back on local transit and commuting, including rideshare services such as Uber and Lyft. I’ll use my Chase Sapphire Preferred® Card for this, which earns 2x points on other travel purchases and 5x points on qualifying Lyft purchases.

• 1% cash back on all other purchases: Since I prefer earning points, I doubt I’d use the Prime Visa for generic purchases.

Travel Protections

As a plus, the Prime Visa offers some travel insurance and protections to cardholders who use the card to pay for their travel. The travel benefits include, but are not limited to:

• Baggage Delay Insurance: Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.

• Lost Luggage Reimbursement: Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.

• Auto Rental Coverage: Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance.

• Travel Accident Insurance: When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive up to $500,000 in accidental death or dismemberment coverage.

The Prime Visa doesn’t offer stellar travel protections compared to other travel-oriented credit cards, such as the Chase Sapphire Reserve®, Sapphire Reserve for Business℠, or United Quest℠ Card. However, if you don’t have a travel-exclusive card in your wallet yet, the Prime Visa could be useful for its travel protections.

Is The Card Worth Getting?

Whether it’s worth getting the Prime Visa is up to your personal spending habits. If you’re an Amazon Prime member, and/or you frequently make Amazon purchases, the Prime Visa can be a very strategic addition to your wallet.

Considering the 7% cash back for Prime Day, as well as the unlimited 5% back on all Amazon purchases, the Prime Visa will be very useful for making any purchases on Amazon. If you’re a frequent Amazon customer and you don’t have the Prime Visa yet, it might be time to take advantage of the $250 gift card bonus and apply for the card.

It is worth noting that the Prime Visa is not subject to Chase’s 5/24 rule when applying for the card, meaning that even if you’ve been approved for more than 5 cards within the past 24 months, you can still get approved for the Prime Visa.

However, the Prime Visa does contribute to the 5/24 rule when applying to other cards. If you’ve been approved for more than 5 cards within the past 24 months, including the Prime Visa, Chase is unlikely to approve your application for a credit card from them.

I would rather use one of my 5/24 slots for credit cards that have a higher welcome offer, and earn points instead of cash back. However, if you don’t have an Amazon card yet, you might find it worthwhile getting the card, especially considering the fact that you don’t have to spend anything to get the sign-up offer.