Chase Amazon card

[Anonymous]

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@randomguy1 wrote:

There's the AMEX business prime as well. 

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Freaking LOVE that card. Got mine in late March and already have $150 in rewards built up! 

[staticvoidmain]

Personally, I'd try the Amex one. Albeit, as mentioned, it is a business credit card. I secretly want to have Chase close my account so I can turn to Amex (just not a Chase fan... for reasons).

[Beast26]

I had never heard of the AMEX Business Prime card so I just googled it and I think I want that one instead of Chase Amazon!  What's the difference between a business credit card and a regular one?

[Anonymous]

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@Beast26 wrote:

I had never heard of the AMEX Business Prime card so I just googled it and I think I want that one instead of Chase Amazon!  What's the difference between a business credit card and a regular one?

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- Doesn't report to your personal credit (unless you default, with personal guarantee) so you can actually carry a balance, if necessary, without incurring a score hit for utilization on your personal credit report. 

- Establishes business credit so you can build a record to qualify for more accounts. 

- 5% back on all Amazon purchases OR get 90 days to pay! 

[Anonymous]

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@Veronik2019 wrote:

Hello, I opened a chase freedom unlimited back in April 2020. I had opened 8 credit card accounts in the last 8 months. My Ex score was 676 from my 3b report on April 11th. I applied on April 18th. Approved instantly.

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Anyone else surprised by the above post that clearly breaks the 5/24 rule?

[sxa001]

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@Beast26 wrote:

I had never heard of the AMEX Business Prime card so I just googled it and I think I want that one instead of Chase Amazon!  What's the difference between a business credit card and a regular one?

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While it is difficult to prove business versus personal expenses and many people get away with it, when you sign up for the card you are agreeing that the expenses will be business related and they could close the card.  If you are getting the card for personal expense reasons you should not really get a business card.  

[Anonymous]

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@sxa001 wrote:

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@Beast26 wrote:

I had never heard of the AMEX Business Prime card so I just googled it and I think I want that one instead of Chase Amazon!  What's the difference between a business credit card and a regular one?

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While it is difficult to prove business versus personal expenses and many people get away with it, when you sign up for the card you are agreeing that the expenses will be business related and they could close the card.  If you are getting the card for personal expense reasons you should not really get a business card.  

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AMEX actively encourages personal use of business cards though from what I hear, right down to AMEX offers for products that wouldn't have anything to do with business transactions. 

I want the Amazon AMEX for myself but I don't have any business income. You need at least $1K in business income to report to open a business card (less than 4 digits and it won't let you submit the form). 

[Anonymous]

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@Anonymous wrote:

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@Veronik2019 wrote:

Hello, I opened a chase freedom unlimited back in April 2020. I had opened 8 credit card accounts in the last 8 months. My Ex score was 676 from my 3b report on April 11th. I applied on April 18th. Approved instantly.

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Anyone else surprised by the above post that clearly breaks the 5/24 rule?

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11/24 - https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Amazon-Prime-Visa-by-Chase-Denied-then-Approved/m-p/6071900

There was another Amazon that was over 5/24 and approved earlier this year but I don't feel like digging for it. 

[M_Smart007]

@Anonymous, At one time, was'nt the Chase Amazon prime exempt from the 5/24 rule?

[Anonymous]

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@M_Smart007 wrote:

@Anonymous, At one time, was'nt the Chase Amazon prime exempt from the 5/24 rule?

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Not for like a year and a half or so. That example was like a month ago.