I have watched some reviews about people getting approved with co-branded Chase cards at 5/24 and above, such as the Amazon Prime card. In my case i did get approved at 5/24 with that card placing me at 6/24, BUT im seeing others also getting approved with the United/Southwest cards. It would make sense if the Marriott Bonvoy cards should get a pass too ?
Starting Score: 512
The following website is showing that Chase's Amazon card does fall under that umbrella:
https://upgradedpoints.com/credit-cards/chase-5-24-rule/
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This site is showing it as excluded from the 5/24 rule:
https://www.rewardexpert.com/blog/exceptions-to-the-chase-524-rule/
I'd be very interested in some DPs here as I would like to get this card to replace my Sync Amazon Card
The Chase Amazon card is pretty much confirmed (by strong crowdsourcing data) that it is not subject to 5/24. It is the only one though. There are scattered DPs of some of their other cobranded cards bypassing 5/24, and even a smattering of regular cards, such as Freedom or Sapphire family cards. However, besides the Amazon card, it is very much YMMV, with mostly no's denials according to public DPs.
Personally, I've had an experience each way with cobranded cards. In Nov 2021, almost a year ago now, I was instantly approved for the IHG Premier while at 6/24. Then in March 2022 I was denied the United Business card, because of 5/24, while also being at 6/24.
@MrT_521 wrote:However, besides the Amazon card, it is very much YMMV, with mostly no's according to public DPs.
Do you mean no as in mostly not applicable to the 5/24 rule or mostly no as in mostly denials?
Wait, Amazon card is Chase, I thought it was Synchrony? Am I missing something here? My acct was closed by them, wonder if indeed it is now Chase that I can get back in.
Amazon store card is Sync, Amazon Visa card is Chase.
@raisemysc0re wrote:
@MrT_521 wrote:However, besides the Amazon card, it is very much YMMV, with mostly no's according to public DPs.
Do you mean no as in mostly not applicable to the 5/24 rule or mostly no as in mostly denials?
Oops, sorry, this was left ambiguous. I fixed my post. Besides the Amazon card, it is mostly denials.
@raisemysc0re wrote:This site is showing it as excluded from the 5/24 rule:
https://www.rewardexpert.com/blog/exceptions-to-the-chase-524-rule/
I'd be very interested in some DPs here as I would like to get this card to replace my Sync Amazon Card
I applied for the Chase Amazon Visa earlier this year when I was at 5/24 already and got an instant approval. The pre-qual on Amazon is considered to be rather accurate.
