topic Re: Amazon Prime Visa Signature (Shocker) in Credit Card Approvals

Amazon Prime Visa Signature (Shocker)

12njoy — Sat, 18 Apr 2026 07:23:07 GMT

I've moved on to helping my children build their credit profiles. They have thin files but scores in the high 700's. Not bad for 21 year olds. Anyhow, I came across Amazon Prime as I've done over the past few years. Decided to do the Prequalify for shi%s and giggles. To my surprise, it came back this time I was Prequalified. I hesitated for a few minutes while I did a little research on if these are solid or not since I've never received one before AND I'm way over the Chase 5/24 rule. Decided to go for it and BAM instant approval. Completely shocked by the instant approval AND limit! I pay in full so no worries on APR. Has Chase loosened the purse on Amazon Visa?

Re: Amazon Prime Visa Signature (Shocker)

JoeRockhead — Sat, 18 Apr 2026 11:11:44 GMT

Can't answer about their purse strings, likely just they liked your profile. The 5/24 thing with this card isn't really a thing anymore, so no surprise there. Very nice SL, congratulations on your approval!

Re: Amazon Prime Visa Signature (Shocker)

mgood — Sat, 18 Apr 2026 12:01:12 GMT

Yeah, the Prime Rewards card was the first crack in Chase's 5/24 wall. I think Amazon was upset that Chase was turning away customers who otherwise had good credit profiles but were over 4/24 and may have been looking (or threatening to look) at other banks to back their credit card. Chase caved and started approving folks who were 5/24 and more.

Congrats. Very nice SL.

Re: Amazon Prime Visa Signature (Shocker)

FicoMike0 — Sat, 18 Apr 2026 17:14:14 GMT

Congratulations!

Great cl. I got the prime last year when I was 5/24. They had a $250 sub going, I couldn't resist, lol.

Re: Amazon Prime Visa Signature (Shocker)

Rdbeetle — Sat, 18 Apr 2026 17:58:47 GMT

Congrats on your $20k Amazon Prime approval!

Re: Amazon Prime Visa Signature (Shocker)

DanteJuan95 — Sat, 18 Apr 2026 22:09:41 GMT

@12njoy wrote:
I've moved on to helping my children build their credit profiles. They have thin files but scores in the high 700's. Not bad for 21 year olds. Anyhow, I came across Amazon Prime as I've done over the past few years. Decided to do the Prequalify for shi%s and giggles. To my surprise, it came back this time I was Prequalified. I hesitated for a few minutes while I did a little research on if these are solid or not since I've never received one before AND I'm way over the Chase 5/24 rule. Decided to go for it and BAM instant approval. Completely shocked by the instant approval AND limit! I pay in full so no worries on APR. Has Chase loosened the purse on Amazon Visa?

Congrats 🙌

Re: Amazon Prime Visa Signature (Shocker)

DanteJuan95 — Sat, 18 Apr 2026 22:11:44 GMT

@mgood wrote:
Yeah, the Prime Rewards card was the first crack in Chase's 5/24 wall. I think Amazon was upset that Chase was turning away customers who otherwise had good credit profiles but were over 4/24 and may have been looking (or threatening to look) at other banks to back their credit card. Chase caved and started approving folks who were 5/24 and more.

Congrats. Very nice SL.

That's not surprising, considering that their so-called 5/24 seems to be a way to gatekeep people from applying further beyond the 5/24 rule or is it possible that they decide to slowly and quietly abandoned the rul?

Re: Amazon Prime Visa Signature (Shocker)

Janneman — Sat, 18 Apr 2026 22:53:35 GMT

I have been on this site for many years, and I have personally never seen this card to under 5/24 rule....I have even seen many people getting approved for this card who were 24/24....So, 5/24 rule was never applicable to this card based on my personal observation over the years...

Re: Amazon Prime Visa Signature (Shocker)

12njoy — Sun, 19 Apr 2026 01:27:20 GMT

Thanks all

Re: Amazon Prime Visa Signature (Shocker)

12njoy — Sun, 19 Apr 2026 01:30:09 GMT

@Janneman wrote:
I have been on this site for many years, and I have personally never seen this card to under 5/24 rule....I have even seen many people getting approved for this card who were 24/24....So, 5/24 rule was never applicable to this card based on my personal observation over the years...

I believe there was a 5/24 rule or something similar for this card as ive tried for a number of years to no avail. The only consistency in my profile over those years was the continuation of adding new accounts.

Re: Amazon Prime Visa Signature (Shocker)

Janneman — Sun, 19 Apr 2026 02:34:44 GMT

@12njoy wrote:
@Janneman wrote:
I have been on this site for many years, and I have personally never seen this card to under 5/24 rule....I have even seen many people getting approved for this card who were 24/24....So, 5/24 rule was never applicable to this card based on my personal observation over the years...
I believe there was a 5/24 rule or something similar for this card as ive tried for a number of years to no avail. The only consistency in my profile over those years was the continuation of adding new accounts.

There could be a 5/24 rule, but I have personally never seen anyone denying for this card for this rule. Rather applications were denied for lots of various reasons than this rule alone. I was surprised when I saw many members from this site were approved for this card despite of being 18/24....including some of my best friends.....

Re: Amazon Prime Visa Signature (Shocker)

woodyman100 — Sun, 19 Apr 2026 03:36:44 GMT

Just tried to apply and there is no button to do so

Re: Amazon Prime Visa Signature (Shocker)

12njoy — Sun, 19 Apr 2026 03:41:23 GMT

@Janneman wrote:
@12njoy wrote:
@Janneman wrote:
I have been on this site for many years, and I have personally never seen this card to under 5/24 rule....I have even seen many people getting approved for this card who were 24/24....So, 5/24 rule was never applicable to this card based on my personal observation over the years...
I believe there was a 5/24 rule or something similar for this card as ive tried for a number of years to no avail. The only consistency in my profile over those years was the continuation of adding new accounts.
There could be a 5/24 rule, but I have personally never seen anyone denying for this card for this rule. Rather applications were denied for lots of various reasons than this rule alone. I was surprised when I saw many members from this site were approved for this card despite of being 18/24....including some of my best friends.....

Not saying you are wrong and see that your personal experience is just different than mine. That's what makes these forums so beneficial. Its not a one size fits all model

Re: Amazon Prime Visa Signature (Shocker)

12njoy — Sun, 19 Apr 2026 03:45:58 GMT

@woodyman100 wrote:
Just tried to apply and there is no button to do so

I searched for Amazon preapproval and found a link that took me to Amazon where I had to sign in and that gave me the option to check and see if I was pre-qualified. Given my profile of new accounts I would never cold apply for any chase card, co-branded or not. I was even hesitant with pre-qualified-vs- preapproved but I did some searching on Amazon pre-qualified and what sealed it for me was this was the first time that I was actually pre-qualified. Every other time it said I was not.

Re: Amazon Prime Visa Signature (Shocker)

coreyb80 — Mon, 20 Apr 2026 14:12:11 GMT

Congrats on the strong approval!

Re: Amazon Prime Visa Signature (Shocker)

cashorcharge — Tue, 21 Apr 2026 14:56:17 GMT

WOOHOO!! Congratulations on your Approval!!👏🏼🍾🥂

Re: Amazon Prime Visa Signature (Shocker)

mgood — Thu, 23 Apr 2026 01:46:22 GMT

@DanteJuan95 wrote:
@mgood wrote:
Yeah, the Prime Rewards card was the first crack in Chase's 5/24 wall. I think Amazon was upset that Chase was turning away customers who otherwise had good credit profiles but were over 4/24 and may have been looking (or threatening to look) at other banks to back their credit card. Chase caved and started approving folks who were 5/24 and more.

Congrats. Very nice SL.
That's not surprising, considering that their so-called 5/24 seems to be a way to gatekeep people from applying further beyond the 5/24 rule or is it possible that they decide to slowly and quietly abandoned the rul?

They have not abandoned it, but it may not be the brick wall it used to be.

I know that right after I waited to get down to 4/24 to apply for the CSP, and got approved (January 2023), they started approving a bunch of people, for that card specifically, who were over 4/24. I think there were cases of others getting approved for other cards around that time as well. So it looked like . . . maybe they still considered 5/24 . . . but maybe it was no longer an absolute barrier to approval, just one of many things they consider. They may have tightened back up on that restriction since then. I haven't been paying that close attention.

I do know that being 5/24 used to mean no CLIs from Chase either, but since that time I have gotten at least one, and I think two, CLIs while I was over that limit.

Re: Amazon Prime Visa Signature (Shocker)

12njoy — Sun, 26 Apr 2026 14:06:47 GMT

@coreyb80 wrote:
Congrats on the strong approval!

Thank you

Re: Amazon Prime Visa Signature (Shocker)

12njoy — Sun, 26 Apr 2026 14:07:05 GMT

@cashorcharge wrote:
WOOHOO!! Congratulations on your Approval!!👏🏼🍾🥂

Thanks