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Amazon Prime Store Card: Any Reason to Switch to Amazon Chase?

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yreva22
New Visitor

Amazon Prime Store Card: Any Reason to Switch to Amazon Chase?

Hi guys,

 

I've got an old amazon prime store card that's been on my report for the last 7 years, one of my first cards I got when trying to rebuild my credit. It's the only store card that I still have. I now have great credit, 800+ across the board and am looking into tidying up my finances.

 

I shop on amazon (a lot a lot) and have been using the 5% cashback on the store card. I don't shop at whole foods. 


My limit is stuck at $10,000 and I have not seen an increase for the last 2-3 years.

 

Is there any benefit to closing this store card and opening up an Amazon Chase visa? I have a CSP and not worrying about the 5/24 rule. I just want to know if having a store card at this point is worth it and whether a co-branded amazon visa will do me better in the long run?

Message 1 of 5
4 REPLIES 4
Hex
Valued Contributor

Re: Amazon Prime Store Card: Any Reason to Switch to Amazon Chase?

The Chase card has some features the store card doesn't. Extended warranty for your purchases for one. Why not have both? I do. Helps with AZEO. 

Message 2 of 5
NoMoreE46
Community Leader
Senior Contributor

Re: Amazon Prime Store Card: Any Reason to Switch to Amazon Chase?

It is a great card for the same 5% back.   You are "stuck" at $10k because that is the general max CL.   The Chase version goes much higher of course.
I closed my Store card as I wanted to reduce my overall Sync exposure.   

Message 3 of 5
Anonymous
Not applicable

Re: Amazon Prime Store Card: Any Reason to Switch to Amazon Chase?

I don't know if the store card did this as well, but last month or so, there was a period of a few weeks when, providing you selected a slightly slower delivery, the prime card would give you 6% back.     

 

Not a huge reason (especially as it may not be repeated)!  But I have to have it for WholeFoods, which is not relevant for you

Message 4 of 5
ptatohed
Senior Contributor

Re: Amazon Prime Store Card: Any Reason to Switch to Amazon Chase?


@Anonymous wrote:

I don't know if the store card did this as well, but last month or so, there was a period of a few weeks when, providing you selected a slightly slower delivery, the prime card would give you 6% back.     

 

Not a huge reason (especially as it may not be repeated)!  But I have to have it for WholeFoods, which is not relevant for you


Yup, I use that feature whenever I can.  I used to take the digital dollars for slower shipping but I'd rather have cash, even if it's only 1%.  I'll take some inconvenience for more CB - I can easily be bought, lol.

 

Also, it's not as often as I would like but sometimes the Chase card has special CB offers.  I think it was Q4 '22 that had 10% CB on gas.  

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)
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