Amazon Credit Card Review 2024 - Amazon Visa and Amazon Prime Visa ( Chase )
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- เผยแพร่เมื่อ 7 ก.พ. 2025
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Amazon Prime Visa Starts 4:00
I've been using my Amex Blue Cash Everyday for 3% back on Amazon (when my rotating cards don't offer 5%). Also using the Blue Cash for 3% back on gas and 3% at grocery stores. It's become my favorite card to use. I would use Custom Cash for gas but since I spend more on eating out - I use it for restaurants instead.
I just got approved for it. I only plan to use it for Amazon purchases. I will use mostly my AMEX Blue Cash Preferred for groceries, which gives me 6% cashback. I use AMEX Plat for travel.
The gift card is now $150. My credit limit is 8000. Not bad!
As others have mentioned, 5/24 does not necessarily apply with this Chase credit card, in particular. Great video!
How can you get a credit limit increase on the Prime Visa? Would you do the Chase method? Thanks!
I have the Amazon Prime Visa. Overall, I would say it's been a so so card. It is great you can utilize it beyond the Prime Rewards or maybe it's due to me being a chase customer because they constantly offer me offers ie, low apr for 6mo, offers for more points at select retailers outside Amazon et al. I will say you can get the Amazon Visa as Chase has lax the 5/24. I was at lol/24 and approved. However, take it as a grain of salt as it also depends on other factors.
I only wish Amazon would allow the points to transfer to Chase UR points...this would be a game changer despite it being a co branded card.
i have the prime visa sig card, and was pre approved for $8500 with a $150 gift card in which i took advantage of. love the whole foods 5% cash back as i buy chicken from there, so a win win. I do not have any other Chase cards so this is my way of getting into their eco system.
They approved me for the same amount as well. I got it during this past prime day with a $200 gift card offer.
@bryce7488 yea is that low? why are you BRUHing me
@lankdup I just got 5000, but I'm not planning to spend the whole thing anyway. I'm prob gonna back off for a while, I will probably ly get a house in few years. I have 6 or 7 cards in my name right now. Trying to increase my average age of account before I do a mortgage.
Applied and got approved for prime card today and got 150 immediately in my Amazon account.
I was happy with my Chase Amazon card until someone stole it, ripped me off, and Chase denied my fraud claim for no reason.
I ended up getting the AMEX Business Prime because the spending cap doesn’t effect me, I despise hard inquiries and since I already have multiple AMEX cards I didn’t receive a hard pull, I also didn’t want another new personal credit card because I have two other personal cards I want this year one of which is a Chase card and I’m at 3/24, and lastly the AMEX Business Prime offered a $125 gift card so the bonus was higher.
Sounds well thought out!
@@ProudMoney I had channels like this to thank for that🙌🏽
Affinity FCU has a card that pays 5% back for Amazon purchases. I haven't looked at it closely, but since I'm considering the Chase Amazon Prime card in the not too distant future, I'd be interested in seeing someone compare the two. Which one would be more beneficial for who?
i watched this video...I was really hoping to see the online management of the card
I’m over 5/24 and just got approved for the Amazon prime visa. I was scared at first
I’d say if you have prime then yes cause it’s 5% back. Otherwise the normal 3% back isn’t really worth getting a separate card when you can just use a catch all 2% card.
You give up some warranty protection so I wouldn't do this with a big ticket item, but you can use a 5% category card when grocery is the category and buy an Amazon gift card and get your 5% that way (without having to be a Prime subscriber). I needed to replace my stationary bike and saw that I could get one used from Amazon at a reduced price. I saw what the total would be by adding it to my cart; then went to Kroger and bought an Amazon gift card and used that to pay.
Its really all about the SUB and 5%.
Do you pay interest on an item that you might return before the 30 days? That's really what I'm trying to figure out. Ie if I paid half my card bill, but I know I have a few returns, do I accrue interest on the returned item on say the 29th day? I hope that makes sense for you
The 5/24 rule is still in effect for this card. I do all my banking / investments at Chase and they still won’t break the rule on it. OH and they did a hard pull on top of it (even though I already have a Chase Freedom credit card).
I was approved for the card with a 674 vanguard score and a 700 fico score
I don't know if they'll do it again but I was offered a $200 gift card for the Prime credit card on the week leading up to Prime Day. If anyone can wait till the next prime day to see if they offer it again. It was my 3rd card and I had about a 710 - 720 score
got the same offer during christmas season
Yeah me too! I opened mine March 2022
How old is your credit history? What is your credit utilization rate?
I have a score of 770 (graduated from secured card in Dec 2022) and the pre qualify tool says I would not qualify. I hope income doesn't matter too much. About 30k.
@@jessenceq3250 at the time my 1st card was a year and half old and my second was 6 months old when I applied to the Amazon prime card. I think that's an average age of 12 months between the 2 at the time and for income, I had 28k
The 5/24 rule was relaxed for me for the Prime Rewards Visa
Forever under 5/24 so I went ahead and got the Amex business prime card
I have both the AMEX Business Prime and the Amex Prime card from Chase and at one time or another I have found them both to be useful.
However thanks for alerting me to the fact that you can take 18 months to pay interest free for purchases over $500. I have been considering getting a Canon Pixma Pro 200 printer but at $549 I kept hesitating.
Not having to put it all up front (immediately paying off the card to avoid interest) because of 18 interest free payments is now making me think I want it as a birthday present to me. Besides I haven't shown that card much love in a long time and I don't want Chase to yank it away from me.
Thanks for the heads up
Got approved for this card this weekend. I am over 5/24 already. More like 7/24. I got approved instantly for a $20,000 credit line, plus $200 gift card…
Got a targeted pre-qualified offer in the mail. Didn’t mention anything about credit line until after approval.
Are you able to move available credit to another Chase card?
I have a score of 770 but relatively new credit history. No hard inquires in my history. I would have earned $260 in rewads last year. Why was i not deemed fit for the pre qualify tool?
What if this is gonna be your first ever credit card?
What's the credit approval? As Chase is hard to get in with them if you don't have really good or excellent credit
I got my with 12 hard injuries that didn't get cleared up, 5% of my credit utilization, and I got 5 accounts open and 4 closed that didn't passed two years yet, and with a 741 credit score
Thank you
I have a question
Can I use the usual non-prime
to make payments in installments if I want to buy an expensive item?
Great content as always, thanks Adam!!!
Thanks as always!🙏
Can the cash back amount be transferred to non-Chase bank accounts?
Can the travel points on the Amazon card be transferred to another chase card like the Chase explorer card ( united )?
Should i get the regular one? Is it really worth it?
So I just got approved for the Prime card. And I have like 9 cards within that 12 months... I guess I got lucky with that 5 card rule lol... I don't believe Chase is doing the regular Amazon Visa card anymore. I only see the Prime card listed now
The regular Amazon Visa is still available for people without Prime.
Good for you! Youll like this card. And Chase waived that 5/24 rule for this card. And i wish everyone knew about that waiver, it may be making some people hesitant to apply
@@ProudMoney how do I deposit money to the Amazon visa card
Without a long list of details, I need a Master Card to complete my wallet portfolio. Recent hard pulls are not an issue. I have had the Amazon Prime card for a couple years. As with any card, I use it and pay it off monthly. If I'm going to start a relationship with a Master Card logo, is it better for me to get one within Chase or apply for it through another bank/credit card company ?
Since they are Chase cards, will the Chase 5/24 rule apply to them?
Generally no. Your mileage may vary, it will depend on your profile. The Amazon cards were the first crack in Chase's 5/24 rule. I was 6/24 when I got mine in May.
Very timely. I have Prime and thinking of adding the Prime Visa card. Does the sign up bonus ever vary; do they ever have a sweetened offer? Thanks!
When I got it last year, it was a $200 bonus.
Took your advice. I don't think the 5/24 rule is in use here right now. I have been trying to get the Amazon prime card for the last couple of years and they always declined instantly!!! but saw your video and applied again. 18K quite surprised! Thanks again! Think I have watched all your videos and learned quite a lot. You are always clear and concise with your videos. Hope it keeps going. Love to watch!!!!!!!!!!!!
Which videos?
Do you manage the Amazon Visa card (like view balance and make payments) at Chase website or at Amazon website?
Chase website and app😊
one thing is tempting on this get a amazon visa yet it gift $60 if I want to get it. Is it worth doing it?
😃 Thanks !
Shockingly I was just approved while 9/24. $20,000 and lowest Apr 18.99%. I know some ppl are reporting approvals for core chase cards well over 5/24. I was too chicken to try it. 😂
What if I already got the Amazon rewards card before I was a prime member what will happen. Do I still get the prime card benefits and will they send me a new prime card?
Or do I have to go in and get a replacement card?
Installments, will you have to pay interest if it goes past the monthly billing cycle?
Don't buy things you don't currently have the money set aside for.
@@smileychess100% agree
@@smileychessBig Facts!!!
Can I get the prime credit card and never use it?
Yes, if you can afford taking the hit to your score (10-15 points?) for a hard pull then you can never use the card and your score will recover normally as with a new card you did use.
My credit score is still green @@tittumsmcsprinkles9020 👍
I got an $80 gift card
I’ve never had a credit card but am an avid prime customer, is the grey prime visa card worth it?
same. i want to know this
Same
Hello, can I use the " Amazon Rewards Visa Signature Card" (non-prime), even if I have a Amazon Business account? Are business accounts and regular account restricted to the cards they can get depeding on their ccount?
It’s a visa so yes it’s a normal credit card
This is helpful. Thank You.
why is my minimum payment going up each month at first i paid 35 dollars this month paid 41 dollars next month minimum is 42dollars
There's interest. Pay off your bill in full to avoid paying extra. It's best to pay before the closing statement date but it's okay to pay by the due date as well.
interest builds. it's not like a loan interest payment, carrying a balance on a card is going to be harder and harder to pay off the longer you keep it. the best and safest way to use your card is pay off your full balance by the due date every month.
@@isaiescamilla550 What ive found is you don't want to pay off all of your balance before the closing snapshot because then they might not report utilization to the credit bureaus. What i've found is that you want to pay down about 94% of your balance so you have about a 6% utilization reported. under 6% reported is excellent.
you never want above 50% utilization reported as it COULD hurt your credit from what ive heard. So generally pay down balance before closing and then pay off everything before due date. So far it's worked wonders for me over the years. Now to be fair that's just if you care as much as i do about keeping a good credit history.
@@isaiescamilla550is the closing statement date the same every month? if so what is that date? i’m researching best practices as much as I can since this is my first CC😭
Good review.
What If the prime membership is in my wife's name? And I want to get the amazon prime card? Would I need an account of my own? We share one
she jsut needs to add you to the prime membership, under household
Do i have to pay my statement balance or full balance to avoid interest?
Suprised nobody replied to you definitely full balance at the end of the month always if you do it on all cards your credit will build up pretty significantly aswell just don’t miss a payment at all or it’s instantly about a 125 pt hit to your score
Thanks again great information
Does Audibe count towards Amazon purchases?
Google search says no. Also if you use Amazon pay it doesn't count at 5x
So if i get this card and buy something worth $2000 can i finance it and pay monthly? If yes will i be paying any APR?
You can, but shouldn't. You're starting off at a $5500 limit (at least that is what they gave me). 30% of that is $1650 and as you should know anything over 30% utilization at statement close is going to ding your score. Technically, you could make the larger purchase and then make an immediate payment that gets what you owe below 30% utilization before statement close but I personally would not risk it. As for APR itself, this is why I don't finance anything and treat credit cards like debit cards. If you pay on time and have no previous statement balance your APR is 0%. I never understood when APR kicks in.
Avoid buying things that you don't already have the money set aside for. This is very dangerous, believe me. I have tons of experience being stupid with debt. Don't start!
I see a 1.75% transaction fee. I don’t like the looks of that!
Chase customer service sucks. I want to close my account just for that reason!
Mind telling what happened?
You didn’t mention the 1.72% monthly My Chase Plan fee
I think that’s only applicable if you want to create a my chase plan, you’re not obligated to pay over time
The 5/24 rule may exist for average income people. I was approved with a 25k limit after owning 9 credit cards from other card issuers. But I must admit I have business checking accounts with Chase and conduct a high number of large transactions with the bank.
scam card, you make a payment of $160 they then charge you $120 for interest on each payment. so, $40 of that goes to the real payment, the interest is based off each day you don't pay the full amount back.
You obviously have no idea how credit cards work….move along….
@@awash7156😂😂😂😂😂
@@awash7156 yes most credit card situations are scams in general
Pay your bills on time then you want have no problem.
@@BlackWeeeb Just how many accounts do you have edward??????
Why did my Amazon visa come with two cards
U didn't watch the video?
Yup!
okay but the apr is high? as long as i make my minimum payments does my interest from my unpaid balance increase extremely high?
Why would you ever pay interest?
amazons apr is 26%
@@Xavierrr559 yes and? Carrying a balance is stupid anyway, nobody should be doing that.
Pay in full rather than just the minimum.
You do not want to carry a balance if you can help it because the interest rate is too high.
Waiting for $200 gift card
You think is coming?
Do they give you amazon prime free for applying to the credit card 💳? 🤔 😊
Nope
no you still have to pay the annual prime membership
i got like 150 bucks gift card
I got 200
I’m out of the game.
Thanks for the subsidy! 🤣🤣
But for how long?
@@ProudMoney that is indeed the question
@@ProudMoney how do I transfer money into the Amazon visa card
Is it illegal to sell a coin credit card because it says OK who’s sending this to my credit card
I love my Amazon prime credit card and I love that they gave me a Amazon gift card worth $150