> ## 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.

# How much do I earn on purchases with Prime Visa?

> See the full Prime Visa earning rates table, including 5% back at Amazon and Whole Foods, 2% at gas and restaurants, and what purchases are excluded from rewards.

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Your Prime Visa earns different reward rates depending on where you shop and whether you have an eligible Prime membership. With Prime, you earn 5% back on Amazon.com, Whole Foods Market, and select other categories. Without Prime, the Amazon Visa earns 3% in those same categories.

## Earning rates

| Category | Prime Visa (with Prime) | Amazon Visa (no Prime) |
| - | - | - |
| Amazon.com | 5% | 3% |
| Whole Foods Market | 5% | 3% |
| Amazon Fresh | 5% | 3% |
| Audible.com | 5% | 3% |
| Chase Travel purchases | 5% | 3% |
| Gas stations | 2% | 2% |
| Restaurants | 2% | 2% |
| Local transit and commuting (including rideshare) | 2% | 2% |
| All other purchases | 1% | 1% |

<Note>
  You earn 1 point per penny. For example, 5% back equals 5 points per dollar spent.
</Note>

## Delivery promotions

You may earn extra rewards on eligible Amazon deliveries:

* **Amazon Day or No-Rush Delivery**: sometimes earn an extra 1% (6% total) on select items
* **During events like Prime Day**: temporary promotions may offer 7% to 8% back on eligible purchases

These promos apply automatically at checkout when available. No enrollment is required.

## What does not earn 5% or 3%

The following purchases are excluded from the elevated Amazon/Whole Foods rate and earn 1% instead:

* International Whole Foods sites
* Whole Foods products sold through third-party websites
* Online event tickets, classes, or gift cards for Whole Foods
* Some third-party vendor items at Whole Foods
* Promotional financing purchases (these earn no rewards)

<Warning>
  Offers and promotional rates change over time. Check current terms on the official [Amazon Prime Visa page](https://www.amazon.com/myprimevisa) or your Chase account before making large purchases.
</Warning>

## Related articles

* [Redeem your points](/rewards/redeem-points)
* [Prime Card Bonus explained](/rewards/prime-card-bonus)
* [Why am I not earning 5%?](/troubleshooting/not-earning-5-percent)


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