Chase Amazon Prime Rewards Vs Synchrony Bank Amazon Store Card ?

[CountryLivin]

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@The-Credit-Disciple wrote:

Great evening Fico Fam 

I will be apping for one of these cards in early January, I just want to get some feedback from those who have one of these cards. your experience  with the cards will help me make an Informative decision. your Pros and Cons are Very Welcome. I have already missed out on $170 worth of cash back rewards dating back exactly 1 year from today according to Amazon, I shop on Amazon Like crazy, so this card is a must have.

here are my Questions as follows:

Which Bank is better to deal with in your experience using the  Amazon card Card?

Does Chase  Amazon get's frequent CLI?

Does Sync Amazon Store Card get Frequent CLI?

Should I believe the Nightmare reviews about both cards that I have read on Amazon about difficulty in Making Payments?

Which Amazon Card is the toughest to get?

Which Credit Bureau does Sync look at?

Thanks everyone

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So, I have both the Chase Amazon Visa and the Synchrony Bank Amazon Prime Store Card. Both cards are great! I actually like the store card better, as I have never asked for a CLI and my card is already at $4800....my starting limit was $500. My Chase card started at $500 and it is still there! No CLI's at all. The one thing I like about it is I can use it anywhere. I have NOT had any problems making a payment on either account...it's actually very easy. You have to remember that most people do not post that they have no problems......most people who say they have problems IMO, are trying to validate their anger (usually for their own mistakes or forgetfulness) for account issues. I don't remember which bureau they pulled, as it's been 3 years since I got these cards. I do think The store card is easier to get. You do get physical card with the store card, and I was told by an employee of whole foods, that you will be able to pay with your store card soon.....not sure if it's true, but that's what I was told.

[imaximous]

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@HeavenOhio wrote:

I'm surprised nobody's mentioned the 5% Whole Foods reward on the Chase card.

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Yup. That's a great benefit of the Chase card, but it's probably because lot of people don't care for Whole Foods. I like it for certain things, but it's not my main grocery store.

Aside from that, and everything else that's been already mentioned, I'd say the Chase card offers some protection benefits that I don't think the store card does, like extended warranty and such.

We have both types. I have the store card and Chase. DW has another Chase card. The store card has a higher CL ($10k) than both our Chase cards combined. I suppose we could reallocate from other cards, but no need for Amazon shopping only.

[CountryLivin]

Also, the store card you have the choice of 5% rebate or on larger orders special financing, no interest offers.

[Anonymous]

Amazon Prime in general also has this Amazon kids account if that applies to you. It is like an AU, you get to review and approve their purchases so they don’t fill your basket with stuff you have to sort.
I like the Prime Card because we use Amazon a lot and it is dedicated to one thing. I also have taken advantage of the promo financing, which is nice to have that option.
I have never had a payment issue either.

[Anonymous]

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@imaximous wrote:

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@HeavenOhio wrote:

I'm surprised nobody's mentioned the 5% Whole Foods reward on the Chase card.

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Yup. That's a great benefit of the Chase card, but it's probably because lot of people don't care for Whole Foods. I like it for certain things, but it's not my main grocery store.

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WF is my major grocery store, and I was very happy when the card got that feature.  (My secondary is Stop+Shop, and I can use Amazon to get gift cards for there, also getting 5%)

For now, though, Square Cash gives 10% at Whole Foods, so I'm only using the card on amazon.  But if that ends, the Chase card will get used heavily again.

[Anonymous]

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@Anonymous wrote:
I don’t have a banking relationship with chase. But, zero issues auto paying each month. Their app is extremely simple to use. I have a physical card, as it’s a visa and I can use it anywhere “visa is accepted”. Overall, it’s a good card through a good company. Most perks are gained by using it for amazon, and any purchases you make outside of amazon, will still benefit you for amazon.

If you tend to buy a ton through amazon and can Make use out the rewards categories outside of amazon, to earn points to spend at amazon. I’d recommend it.

Otherwise, no need to have the card

Rick l

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Using the points on Amazon is not a good approach.  Transfer those points to your bank account, use the card for all amazon purchases.  This allows you to get 5% on all Amazon purchases, if you pay with points, that part of the purchase doesn't get any reward.

[AverageJoesCredit]

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@Anonymous wrote:

I have the synchrony, and it seems I'm capped out at 10 K limit.  The reason I think I'm capped is that I've requested a limit increase many times, and have limits on other cards ranging from 20-100 K.  My utilization is 1% on all cards.  It's not like I need more than 10 K, just thought it was interesting.

That said, I prefer the synchrony as it doesnt count against Chase's 5/24 rule and is one less credit card slot taken.  However, at some point in the future I may end up getting the amex business amz card.

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10k is definetely not the max but could be your profile holding it back. I too cant get past 10k but i have overall high Sync exposure. I would like to disagree the Amazon card from Sync doesnt count against 5/24. It is a credit card, just one that has to be used online. 

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[kdm31091]

The Sync card counts against 5/24 like any other credit card.

[The-Credit-Disciple]

Thanks everyone for your AWESOME responses. Im leaning towards going for the Store Card. That will be my designated Card for Amazon.

[Anonymous]

Deleted (see later post)

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