03-13-2009 12:08 PM
I did quite a bit of extensive research on these forums and the internet prior to posting this, so I really apologize if the answer is somewhere underneath my nose.
Do Amazon purchases count toward the 3% rewards on the CHASE Freedom Plus VISA IF it is a TOP CATEGORY the customer spends in, or is it excluded?
I have literally gotten 4 or 5 conflicting responses from CHASE representatives. Some are stating Amazon purchases are exluded, and others are saying it qualifies so long as it is a top spending category.
I really appreciate any help, or if anyone has any hard data they can cite when providing an answer such as your own rewards earnings etc. for Amazon purchases.
A part of me can see how they would be EXCLUDED considering there is a separate Amazon Chase VISA credit card. I already confirmed I can product change to the Amazon VISA, but I did not really want to lose the overall higher benefits of the CHASE Freedom Plus.
Thank you again.
03-13-2009 12:18 PM
I would bet that those who say they are excluded are right and those being broad saying "well if it's your top category of course" don't know about the exclusion. I by no means have a definitive answer but that is the most likely case.
If you shop at Amazon a lot. I would just apply for an Amazon card. It's 6% cash back for the first 3 months on Amazon purchases aswell as 4% for the first 3 months on a few other things.Keep your freedom card and just use your amazon card for Amazon purhcases.
03-13-2009 12:19 PM
I appreciate the lightning fast reply. It was very helpful.
Any other takers, possibly with confirmation as to the Amazon rewards on their CHASE Freedom Plus VISA credit cards?
03-13-2009 12:51 PM
I have the Freedom plus but just product changed about 1.5 months ago... Why would Amazon be excluded?
I didn't think there were many exclusions, of course I also have not ready any of them!
03-13-2009 03:46 PM
03-13-2009 05:05 PM
Well, honestly I am WISHING and HOPING it is NOT excluded, but would this not somehow "cut" into promoting a separate product line meant for frequent Amazon shoppers?
Is anyone able to say based on their statements, if they are receiving 3% from Amazon purchases if it is a top spending category?
03-13-2009 05:26 PM
03-13-2009 10:27 PM
I understand what you are saying; however, if you really think about it Amazon sells products from almost every single category on that list. I understand that that Amazon will use the merchant code of "sells used or new books", but that is somewhat of a letdown if they are excluded on the CHASE Freedom Plus credit card 3% rewards.
Any other takers? Losing hope here haha.
03-13-2009 10:44 PM
03-13-2009 10:47 PM
Thanks, I really appreciate it. This seems like the solution.
Would anyone explain to me why I would not be able to switch from the CHASE Freedom Plus to the Amazon VISA? Are certain changes only allowed within a certain time frame? I was told that the following switch was not possible for me at this point, or it may never be. I was also told to apply for the CHASE Amazon VISA, but I was really just trying to avoid putting in another credit app.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.