Chase Amazon Rewards Visa

Anonymous · ‎03-06-2015

Requirements? Scores? Is it a good card?

KneelBeforeZod · ‎03-07-2015

I got mine with a 675 score. Chase reported my score was 20 points higher though. Points are worth a penny essentially. It's a nice card for all the Amazon purchases I do and has become my go-to gas card when Discover isn't doing the 5% cash back on travel and gas.

They also gave me a nice starting limit ($6500). No issues with Chase since getting the card nearly 5 months ago. Their account management page is kinda clunky compared to others but gets the job done.

All in all, decent Visa card and I like it.

Current Scores (Dec 20, 2015) - EQ=719 EX=739 TU=740

bigblue7722 · ‎03-07-2015

It's probably the easiest chase card to get. As for the card being any good, not really sallie mae is much better at 5% back on amazon. Credit lines are usually smaller. It is a good way to get your foot in the door with chase but I think chase freedoom is a better all around card.

AMEX PRG NPSL,Lowes $17000,Capital One venture card $12,000,Us Airways mastercard $9500,Fidelity Amex $9000, Discover it $8000, Capital One Venture One $7500, BOA 123 rewards $7500 CSP $6000, Capital One Quicksliver $5500, Amazon Store card$5000,Barclay
Card Ring $5000 Chase Marriott $5000,Chase Hyatt $5000, Sallie Mae Mastercard $4400, Paypal smart connect $4000,Chase Freedom $3200, Capital one Quicksliver visa $3000, Chase IHG Rewards $2300, Chase Southwest Premier $2000, Citi Double Cash $1500, AMEX BCE $1000

Last app July 22nd 2015- No apps for two years.

Anonymous · ‎03-07-2015

I agree. It was one of my first cards, got my foot in the door with a low CL, but I almost never use it anymore, because 50% of my Amazon shopping is done during the holidays and my Freedom provides 5% back during that time. After the holidays, tax return season comes around and Turbotax gives an extra 10% in amazon gift cards when you convert part of your federal return to Amazon credits. So up until December, I usually have enough promotional balance on Amazon to not have to spend out of pocket.

Anonymous · ‎03-07-2015

Yes, a Sallie Mae and a 2% card is going to better than the Chase card except for those that spend a lot on Amazon ($18K a year is the cutover, and even then you should spend the first $9K on Sallie Mae)

chalupaman · ‎03-07-2015

Got it mainly because I've never been able to get a Sallie Mae and I shop on Amazon regularly.

Took me several times to get this card too for some reason.

Had a 709 FICO and the starting limit was $1k and I moved $500 over from the AARP to make it a 1.5k limit. Highest APR but I PIF on it so it doesn't matter that much to me. Barclays APR on the Sallie Mae also sounds pretty high to me.

I guess if I ever get a Freedom or a Sallie Mae, this card would immediately go in the SD or I'd move out the entire limit to another Chase card and close it.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

thelethargicage · ‎03-07-2015

Had this card for a couple months last year. Looks great on paper and up close (the black one is gorgeous), but it quickly became evident that it isn't that lucrative reward-wise. As someone else mentioned, you're better off with a Sallie Mae and a 2% card.

Imperfectfuture · ‎03-07-2015

@Anonymous wrote:
Yes, a Sallie Mae and a 2% card is going to better than the Chase card except for those that spend a lot on Amazon ($18K a year is the cutover, and even then you should spend the first $9K on Sallie Mae)

Problem is coding. My area (Seattle), the bookstore coding seems to be disappearing (used to show up even on Amex). Also, if you do a lot of ebook reading, the prime membership itself, digital downloads, use quasi retail for subscribe and save, other third party merchants, etc., then Sallie Mae might not work. And if you plan on gardening, this is a good starter card, and not that easy to get. Sallie Mae also requires a lot of history, with higher scores.

Signature needs updating

barbaralee · ‎03-07-2015

I can't speak for digital purchases, but we order from Amazon on the reg, 2-3 packages a week and we have never gotten less than 5%. I kind of expected Prime Membership I had heard that somewhere. The last thing I ordered was not directly Amazon, it was one of those vendors that are on Amazon, and we still got the 5% (I wasn't sure if that worked).

We do have the Amazon Chase card, which I had gotten in the hubby's name when I was not fully aware of the SM card. When it comes to the low credit line: His score at the time was somewhere around 730 (no baddies, uti less than 3%) and he was approved for $4800 at their lowest apr. The same day he was approved for $10,500 with USAA Amex, at their second lowest apr.

deltatee · ‎03-07-2015

This is one of my favorite cards! It might be that it was my first credit car, and I've had it for a decade or more. I don't use it for my general spend because I can get better rewards on my other cards, but that's not to say the rewards on this card are bad. But Chase consistently auto CLIs my card. Also, Chase gave me a 10% APR and I always have decent balance transfer offers available on it. I personally love it, but my experiences itchy be unique.