> ## 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.

# Why am I earning 3% instead of 5% at Amazon?

> Your Prime Visa drops to 3% when Prime eligibility changes, the card leaves your Amazon Wallet, or another Prime Visa is linked. Check status and restore the rate.

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    <span>Get Started Here</span>
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If your Prime Visa recently started earning 3% instead of 5% at Amazon.com, Whole Foods Market, and Chase Travel, something changed your eligibility. The most common cause is a lapsed or changed Prime membership. You can check your card's reward rate in your Amazon account and fix most issues without calling support.

## Check your current 5% status

<Steps>
  <Step>
    Sign in to Amazon.com and go to **Your Account**.
  </Step>

  <Step>
    Select **Your Payments**.
  </Step>

  <Step>
    Find your Prime Visa and expand the card details to see the current rewards rate.
  </Step>
</Steps>

## Common causes and fixes

<AccordionGroup>
  <Accordion title="Prime membership lapsed or changed">
    If your Prime membership expired or was canceled, the card reverts to 3%. Restart an eligible Prime membership (annual, monthly, Prime Student, or trial) to restore 5%. Note: Prime Video-only subscriptions do not qualify.
  </Accordion>

  <Accordion title="Card removed from your Amazon account">
    If the Prime Visa was removed from **Your Payments**, rewards drop to 3%. Re-add the card to your Amazon Wallet.
  </Accordion>

  <Accordion title="A different card is linked to Prime">
    Only one Prime Visa per Amazon account can earn 5%. If you added a different Prime Visa, the original card drops to 3%. Remove the extra card or keep the one you want at 5%.
  </Accordion>

  <Accordion title="Amazon account closed or Family membership change">
    Closing your Amazon account or leaving an Amazon Household with an eligible Prime member can remove 5% eligibility. Rejoin the Household or restart eligible Prime on the account.
  </Accordion>

  <Accordion title="Applied for another Prime Visa on the same account">
    Opening a second Prime Visa with the same Amazon account can cause the first card to drop to 3%. Decide which card you want at 5% and manage the others accordingly.
  </Accordion>
</AccordionGroup>

<Note>
  Eligible memberships include annual Prime, monthly Prime, Prime Student, Amazon Household members, and qualifying trials. Prime Video-only subscriptions are not eligible.
</Note>

<Warning>
  Only one Prime Visa can earn 5% per Amazon account. If you have multiple Prime Visas, the others will earn 3% at Amazon, Whole Foods, and Chase Travel.
</Warning>

## If the rate is still wrong

If you checked the causes above and your card still shows 3% while you have an active eligible Prime membership, contact Chase using the number on the back of your card or sign in at chase.com/amazon to send a secure message.

## Related articles

* [Earning rates explained](/rewards/earning-rates)
* [Prime Card Bonus offers](/rewards/prime-card-bonus)
* [Missing points help](/troubleshooting/missing-points)


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