topic Re: Chase Amazon Prime data points in Credit Card Applications

Chase Amazon Prime data points

ElvisCaprice — Fri, 12 Dec 2025 19:30:48 GMT

12/12/25 approved for 10k SL. HP Experian (Arizona), preapproval needed TU unfrozen (SP), 11/24 on new accounts, $250 auto SUB on approval.

Re: Chase Amazon Prime data points

Aim_High — Fri, 12 Dec 2025 23:48:19 GMT

@ElvisCaprice wrote:
12/12/25 approved for 10k SL. HP Experian (Arizona), preapproval needed TU unfrozen (SP), 11/24 on new accounts, $250 auto SUB on approval.

Congrats again on your approval, @ElvisCaprice.

11/24 ?!?!

So you're saying they "might" still bypass 5/24 for the Amazon card? Lol

Re: Chase Amazon Prime data points

ElvisCaprice — Sat, 13 Dec 2025 00:02:50 GMT

@Aim_High wrote:
@ElvisCaprice wrote:
12/12/25 approved for 10k SL. HP Experian (Arizona), preapproval needed TU unfrozen (SP), 11/24 on new accounts, $250 auto SUB on approval.
Congrats again on your approval, @ElvisCaprice.

11/24 ?!?!
So you're saying they "might" still bypass 5/24 for the Amazon card? Lol

Ha, sure does @BrutalBodyShots was saying in another thread he knew of someone approved on a Chase Prime Visa @ 30/24 new accounts. Incredible. The churners like this one for $250 no spend, no 5/24. Is a nice tack on to the end of a spree. I don't know if it's better than a CCR @5.25%, will find out, seems folks are getting more than 5% with this Prime Visa Card on add on offers.

Re: Chase Amazon Prime data points

dfwxjer — Sat, 13 Dec 2025 00:09:25 GMT

@ElvisCaprice wrote:
@Aim_High wrote:
@ElvisCaprice wrote:
12/12/25 approved for 10k SL. HP Experian (Arizona), preapproval needed TU unfrozen (SP), 11/24 on new accounts, $250 auto SUB on approval.
Congrats again on your approval, @ElvisCaprice.

11/24 ?!?!
So you're saying they "might" still bypass 5/24 for the Amazon card? Lol
Ha, sure does @BrutalBodyShots was saying in another thread he knew of someone approved on a Chase Prime Visa @ 30/24 new accounts. Incredible. The churners like this one for $250 no spend, no 5/24. Is a nice tack on to the end of a spree. I don't know if it's better than a CCR @5.25%, will find out, seems folks are getting more than 5% with this Prime Visa Card on add on offers.

They've had a lot of Prime deals lately with 7-10% back on certain items. I think we can all agree this card is a no brainer for anyone that shops on Amazon. Congrats on the new card and $250 gift card!

Re: Chase Amazon Prime data points

Aim_High — Sat, 13 Dec 2025 01:22:31 GMT

It's not quite as lucrative, but everyone needs to remember also the American Express Business Amazon Prime card. Yes, I know this isn't the business forums but it's a related topic.

For the Chase Amazon Prime, the normal bonus is $150 but promotion is $250. The AMEX version is still offering their standard $125 Amazon gift card upon approval, no spend required. No annual fee. If you're an AMEX customer it's probably a soft pull plus as a business account won't count against you for new personal lines of credit. Why not do both? Win-win-win!

Re: Chase Amazon Prime data points

CreditCuriosity — Sat, 13 Dec 2025 01:03:49 GMT

@Aim_High wrote:
It's not quite as lucrative, but everyone needs to remember also the American Express Business Amazon Prime card. Yes, I know this isn't the business forums but it's a related topic.

The normal Chase bonus is $150 but promotion is $250. The AMEX still offering their standard $125 Amazon gift card upon approval, no spend required. No annual fee and Plus, if you're an AMEX customer it's probably a soft pull plus as a business account won't count against you for new personal lines of credit. Why not do both? Win-win-win!

Agree if one has a "business" the AMEX prime is the way to go for me at least. Granted Chase does offer some good 5% cats or whatever or other stuff and a great card as well. Although Amex has the Amex offers so both are very good cards. $250 is nice for not spend and bypasses the 5/24 rule but I will take an Ink and remain under 5/24 any day of the week for the nice URs but we are mixing business with personal so not really fair but should be noted . Well known the Chase Amazon prime doesn't fall under 5/24 rule and believe it is the only card Chase card that ignores it likely due to the contract with Amazon.

Re: Chase Amazon Prime data points

crystal626 — Sat, 13 Dec 2025 07:50:24 GMT

@CreditCuriosity wrote:
@Aim_High wrote:
It's not quite as lucrative, but everyone needs to remember also the American Express Business Amazon Prime card. Yes, I know this isn't the business forums but it's a related topic.

The normal Chase bonus is $150 but promotion is $250. The AMEX still offering their standard $125 Amazon gift card upon approval, no spend required. No annual fee and Plus, if you're an AMEX customer it's probably a soft pull plus as a business account won't count against you for new personal lines of credit. Why not do both? Win-win-win!
Agree if one has a "business" the AMEX prime is the way to go for me at least. Granted Chase does offer some good 5% cats or whatever or other stuff and a great card as well. Although Amex has the Amex offers so both are very good cards. $250 is nice for not spend and bypasses the 5/24 rule but I will take an Ink and remain under 5/24 any day of the week for the nice URs but we are mixing business with personal so not really fair but should be noted . Well known the Chase Amazon prime doesn't fall under 5/24 rule and believe it is the only card Chase card that ignores it likely due to the contract with Amazon.

My issue with the AMEX version is you don't get the increased cash back offers for delaying shipping. It's always 5% while I've been regularly getting 6% with my Chase and it even elevated to 8% for a minute and is currently at 7%. That adds up as I'm rarely in a rush for my items.

Re: Chase Amazon Prime data points

BrutalBodyShots — Sat, 13 Dec 2025 08:20:01 GMT

Congrats on the new card, @ElvisCaprice! Chase Amazon is fantastic, the bonus offer is solid and that $10k SL is nice as well. Enjoy it!

Re: Chase Amazon Prime data points

youngandcreditwrthy — Sat, 13 Dec 2025 17:13:27 GMT

Dont forget those of us that buy all our groceries at whole foods.

even though SyncB axed my Amazon store card, the same day I opened the Amazon Prime Visa with the Whole Foods design!

Whole Foods has been having fire sales the past six months! Its almost like we are in a bad economy! Ive never seen whole foods this empty either. They had so many bakery and food items left over from Thanksgiving. plus you can add the card to your app and buy evertyhing with a barcode from the Amazon app.

I was also 13/24 and 700+ Fico. They def approve over 5/24. so does the Marriot cards (got those with 9/24)

Re: Chase Amazon Prime data points

crystal626 — Sat, 13 Dec 2025 18:29:38 GMT

@youngandcreditwrthy wrote:
Dont forget those of us that buy all our groceries at whole foods.

even though SyncB axed my Amazon store card, the same day I opened the Amazon Prime Visa with the Whole Foods design!

Whole Foods has been having fire sales the past six months! Its almost like we are in a bad economy! Ive never seen whole foods this empty either. They had so many bakery and food items left over from Thanksgiving. plus you can add the card to your app and buy evertyhing with a barcode from the Amazon app.

I was also 13/24 and 700+ Fico. They def approve over 5/24. so does the Marriot cards (got those with 9/24)

Yeah we go to Whole Foods from time to time as well. It's still on average more expensive than going to our grocery store's organic section but we love the cheeses they carry so we splurge a bit.

Re: Chase Amazon Prime data points

JSUB — Tue, 16 Dec 2025 21:02:26 GMT

@dfwxjer wrote:
@ElvisCaprice wrote:
@Aim_High wrote:
@ElvisCaprice wrote:
12/12/25 approved for 10k SL. HP Experian (Arizona), preapproval needed TU unfrozen (SP), 11/24 on new accounts, $250 auto SUB on approval.
Congrats again on your approval, @ElvisCaprice.

11/24 ?!?!
So you're saying they "might" still bypass 5/24 for the Amazon card? Lol
Ha, sure does @BrutalBodyShots was saying in another thread he knew of someone approved on a Chase Prime Visa @ 30/24 new accounts. Incredible. The churners like this one for $250 no spend, no 5/24. Is a nice tack on to the end of a spree. I don't know if it's better than a CCR @5.25%, will find out, seems folks are getting more than 5% with this Prime Visa Card on add on offers.

They've had a lot of Prime deals lately with 7-10% back on certain items. I think we can all agree this card is a no brainer for anyone that shops on Amazon. Congrats on the new card and $250 gift card!

I ordered a new tv Friday. Posted to my account yesterday and I was surprised to see my cash back was 10% not the five I was expecting.

Re: Chase Amazon Prime data points

Mervin — Tue, 16 Dec 2025 23:26:25 GMT

Congrats!! Just in time for the holidays

Re: Chase Amazon Prime data points

Follower — Wed, 17 Dec 2025 08:53:13 GMT

I've noticed the 7% back offer if one chooses no-rush shipping is consistent now for nearly every Amazon purchase these days. It seems like it's becoming a standard thing.

Re: Chase Amazon Prime data points

Vinjints — Wed, 17 Dec 2025 15:32:52 GMT

I assume that's more related to the Christmas shopping, and rewarding those that will give the warehouse and delivery folks a break.

Edit - just got this in an email:

Not in a hurry? Earn 7% back with No-Rush Delivery today

On eligible purchases with your Prime Visa at Amazon.com until 12/25 when you choose No-Rush Delivery at checkout. Eligible Prime membership required, see terms.

Re: Chase Amazon Prime data points

Follower — Wed, 17 Dec 2025 16:52:42 GMT

The plot thickens.

Re: Chase Amazon Prime data points

ElvisCaprice — Fri, 19 Dec 2025 08:48:51 GMT

I should add, that there was a double HP on my app for this CC. Somehow I missed it. Both Transunion and Experian. See in another approval thread that another party had the same double HP for this CC. Is this now a standard of Chase on CC applications?

Re: Chase Amazon Prime data points

Beefy1212 — Fri, 19 Dec 2025 22:41:51 GMT

@ElvisCaprice wrote:
@Aim_High wrote:
@ElvisCaprice wrote:
12/12/25 approved for 10k SL. HP Experian (Arizona), preapproval needed TU unfrozen (SP), 11/24 on new accounts, $250 auto SUB on approval.
Congrats again on your approval, @ElvisCaprice.

11/24 ?!?!
So you're saying they "might" still bypass 5/24 for the Amazon card? Lol
Ha, sure does @BrutalBodyShots was saying in another thread he knew of someone approved on a Chase Prime Visa @ 30/24 new accounts. Incredible. The churners like this one for $250 no spend, no 5/24. Is a nice tack on to the end of a spree. I don't know if it's better than a CCR @5.25%, will find out, seems folks are getting more than 5% with this Prime Visa Card on add on offers.

If you don't need it right now... you can choose delayed shipping and get a base 8% cb before any special offers.

Re: Chase Amazon Prime data points

Aim_High — Sun, 28 Dec 2025 19:12:23 GMT

@ElvisCaprice wrote:
I should add, that there was a double HP on my app for this CC. Somehow I missed it. Both Transunion and Experian. See in another approval thread that another party had the same double HP for this CC. Is this now a standard of Chase on CC applications?

RE: The Chase Bank double hard pull @ElvisCaprice.

It's been documented for a long time that Chase sometimes will do the double hard pull. It seems to depend upon profile. From your signature, I notice that Amazon is your only Chase card now so you probably didn't have one at the time of application. Did you have Chase cards before and close them?

I've had at least one open Chase card continuously since 2000. On all six Chase cards I've added since 2018, they've only done a single pull for me on EX.

Here is the info from @credit_is_crack's long-running thread:

General Credit Topics forum >> Which Report Will They Pull, Part 2 (07-29-2021)

Chase Bank: Some users have reported that double-pulls are consistent, but some have also reported only single-pulls for all new account. CLI's are single pulls. Expect a double pull, EQ & EX seem to be the preferred combo based on approval threads, but if you get prequalified via Credit Journey, TU seems to be the primary CRA pulled and it gets paired with EQ or EX. TU seems to be the least preferred CRA for Chase when Credit Journey is not involved.

Re: Chase Amazon Prime data points

ElvisCaprice — Sun, 28 Dec 2025 19:17:49 GMT

@Aim_High wrote:
@ElvisCaprice wrote:
I should add, that there was a double HP on my app for this CC. Somehow I missed it. Both Transunion and Experian. See in another approval thread that another party had the same double HP for this CC. Is this now a standard of Chase on CC applications?
RE: The Chase Bank double hard pull @ElvisCaprice.

It's been documented for a long time that Chase sometimes will do the double hard pull. It seems to depend upon profile. From your signature, I notice that Amazon is your only Chase card now so you probably didn't have one at the time of application. Did you have Chase cards before and close them?

I've had at least one open Chase card continuously since 2000. On all six Chase cards I've added since 2018, they've only done a single pull for me on EX.

Here is the info from @credit_is_crack's long-running thread:
General Credit Topics forum >> Which Report Will They Pull, Part 2 (07-29-2021)

Chase Bank: Some users have reported that double-pulls are consistent, but some have also reported only single-pulls for all new account. CLI's are single pulls. Expect a double pull, EQ & EX seem to be the preferred combo based on approval threads, but if you get prequalified via Credit Journey, TU seems to be the primary CRA pulled and it gets paired with EQ or EX. TU seems to be the least preferred CRA for Chase when Credit Journey is not involved.

I was thinking the same, since I didn't have a Chase Card (been many years since I had one, closed), they double pulled me. Thanks for the response @Aim_High

Re: Chase Amazon Prime data points

fleetfoot — Sun, 28 Dec 2025 20:42:24 GMT

After hearing that Amazon Prime Visa often bypasses Chase's 5/24 rule, I signed on to my Amazon account to see I am preapproved for the card. I'm at 7/24 but thought I'd take a chance since the website claimed I was preapproved, and to my surprise I was instantly approved. The new card with the $22K SL is already displayed on my Chase dashboard and available to spend on my Amazon account. The $250 gift card also instantly posted on my Amazon account. Although the hard inquiry appeared immediately on Experian and TransUnion, the immediate impact was just one point on each. Am I correct to think that the slight drop in average age of accounts will be countered by the drop in utilization once the $22K is added in next month?