Chase Amazon Prime Card or Chase Freedom?

[seattletravels]

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@Anonymous wrote:

They hit me with a big fat no offer available. Smh I even have a savings AND an IRA, maybe they think I'm lying

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With your scores and all cards being >6 months, I'd try for the Discover. The prequal being solid means that if you have an offer listed, you're likely to be approved.  It doesn't mean you won't be approved unless you have an offer. People with 0 credit history get approved for Discover student.

[Anonymous]

My oldest card is 9 months, second is 8, then another 8, and fingerhut is 6

[Anonymous]

@seattletravels would I have a shot with my inquiries? I hear discover has a dislike to those.

[Anonymous]

It would depend on what you intend to use the card for. If you get the Amazon Prime Card you will get 5% cash back on Amazon purchases and the points will load right onto your profile. As a student you can also get discounted Amazon Prime for $6.99/month, which will be bill automatically to your card if you choose. This can give you a small monthly purchase and improve your score by only having a $7 balance each month IF you are only using it to build credit and not using it for other expenses. 

As a store card the interest rate isn't great for the Amazon card so if you intend to carry a balance the Chase Freedom Card MAY give you a better rate, but you are still pretty new to credit so it may not be by much. 

For me it would boil down to how often are you going to purchase from Amazon and will you pay off your balance each month. If the answer is often and yes, I would go with the Amazon card, if not often and you may carry a balance, go with the Freedom. 

[Anonymous]

I currently spend between 100-200 a month on Amazon using debit, so I don't think carrying a balance is going to be an issue. And I do have the student amazon prime so I would be gaining in terms of paying for a membership. Just like to lean towards what would be best for improving my credit and be a good long term card for credit history.

[ZackAttack]

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@Anonymous wrote:

My oldest card is 9 months, second is 8, then another 8, and fingerhut is 6

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Seeing how the ages of those accounts are young here is my advice. Seeing how there are prequal offers on Discover I would wait for another 3 months for your oldest card to report 1 year old and your youngest card to report 9 months old. With that on you credit report and keeping ULT low, you may have a shot on the prequal tool. If there is nothing on the prequal you can always attempt a cold apply for the card.

If you still not interested in Discover and want to get in with chase first because of having 4 accounts within 2 years, I would wait until your last card has hit 1 year with all accounts as low ULT. When that comes, it is your choice if you want to apply for the Amazon Card or Freedom Card.

While I didn't see it earlier, Chase does have a 5/24. 5 new credit/store card in 24 months. If you do reach 5 accounts, you could be denied for a card from them until account ages out of 24 months.

[Anonymous]

That's where I'm iffy with which to do first. I guess I'm going to wait till my oldest hits one year then check the pre-quads, if none. Then keep waiting.