Is the Chase Amazon Visa worth it in 2026?

Skip it+$0 year one

Doesn't pencil out. Even counting the welcome bonus, year-1 value is at or below the annual fee at your assumed point value — a no-fee card likely serves you better.

Assumes you use every recurring credit and value points at 2.0¢. Adjust for your spend in the calculator →

The year-one math

Welcome bonusno current offer: —
Recurring credits (if fully used): +$0
Annual fee: —
Year-one value: +$0
Ongoing (year 2+, no bonus)credits − fee: +$0

Track the Chase Amazon Visa in PointsCraft

Track every recurring credit and get this verdict on your real usage in the iOS app.

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FAQ

Is the Chase Amazon Visa worth it in 2026?

Skip it. Doesn't pencil out. Even counting the welcome bonus, year-1 value is at or below the annual fee at your assumed point value — a no-fee card likely serves you better. This assumes you use every recurring credit and value points at 2.0¢ — adjust both in the calculator for your own situation.

Should I cancel my Chase Amazon Visa?

Probably not on the numbers alone — the recurring credits ($0/yr) already cover the $0 fee, so it pays for itself in year 2+ if you use them.

How is "worth it" calculated?

Year-one value = welcome bonus value (points × cents-per-point) + the annualized value of the card's recurring credits − the annual fee. It's the same model the PointsCraft iOS app uses to show what your wallet is actually worth.