Is app'ing for the Amazon CC pragmatically the same as applying for a regular Chase card thru Chase?

[Anonymous]

Potentially interested in applying for the Amazon CC after doing a major review and planning of my finances and realizing most of the discretionary money I spend (and even some necessities) is through Amazon.  The Amazon card, and the 5% you get on Amazon and Whole Foods purchases, would thus make a lot of sense for me.  I see that the Amazon card is through Chase, but I just applied (and was approved) for a Freedom card about 3 weeks ago.  So would applying for the Amazon card be essentially the same (in terms of how it's viewed by Chase) as applying through Chase for one of their Chase cards (Freedom, Sapphire, etc.)?  And if so, do I need to wait any certain time period after being approved for the Freedom and/or am I best served to wait any minimum amount of time?  Thanks!

P.S. - Sorry if this was a stupid/obvious question.  I assume this Amazon card is just like a department store card, right?  Come to think of it, I've never really thought about the fact that department store cards are issued by one of the big banks, and/or whether applying for one of them is the same as applying for one of those big banks' regular cards.

**EDIT**: I realize now that there are several Amazon CCs—namely, Amazon Rewards Visa Signature, Amazon Prime Rewards Visa Signature, and Amazon.com Store Card (the first 2 of which are through Chase, and the latter is from Sychrony Bank).  I don't see any reason why I'd apply for the Amazon Rewards (3% on Amazon purchases) over the Amazon Prime Rewards (5% on Amazon purchases), so does anyone have any recommendations as between the Amazon Prime Rewards and the Amazon.com Store Card?

[Anonymous]

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@Anonymous wrote:

Potentially interested in applying for the Amazon CC after doing a major review and planning of my finances and realizing most of the discretionary money I spend (and even some necessities) is through Amazon.  The Amazon card, and the 5% you get on Amazon and Whole Foods purchases, would thus make a lot of sense for me.  I see that the Amazon card is through Chase, but I just applied (and was approved) for a Freedom card about 3 weeks ago.  So would applying for the Amazon card be essentially the same (in terms of how it's viewed by Chase) as applying through Chase for one of their Chase cards (Freedom, Sapphire, etc.)?  And if so, do I need to wait any certain time period after being approved for the Freedom and/or am I best served to wait any minimum amount of time?  Thanks!

P.S. - Sorry if this was a stupid/obvious question.  I assume this Amazon card is just like a department store card, right?  Come to think of it, I've never really thought about the fact that department store cards are issued by one of the big banks, and/or whether applying for one of them is the same as applying for one of those big banks' regular cards.

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No, it's a Visa Signature card. You can use it anywhere Visa is an accepted payment method. 

[Anonymous]

Oh interesting, so it's not technically an application through Chase?

[pipeguy]

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@Anonymous wrote:

Oh interesting, so it's not technically an application through Chase?

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Chase issues and backs the Amazon Visa - YES it's an application/approval through Chase. 

[Anonymous]

I believe you fill out the application form through the Amazon page, but it gets submitted to Chase UW for processing. From what has been discussed on these boards many times, it seems that the Amazon Visa has a slightly less strict UW process than your regular Chase cards being that it is co branded. Your odds will solely depend on your overall credit profile and how many new accounts you have opened within the last year. Since you already have the Freedom, you probably will have a good shot of getting approved for the Amazon Visa, but as always, it's best to put some time in between applications to allow some history to be built. In case, they don't approve right away, you can always try to get it reconsidered. 

[Anonymous]

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@Anonymous wrote:

**EDIT**: I realize now that there are several Amazon CCs—namely, Amazon Rewards Visa Signature, Amazon Prime Rewards Visa Signature, and Amazon.com Store Card (the first 2 of which are through Chase, and the latter is from Sychrony Bank).  I don't see any reason why I'd apply for the Amazon Rewards (3% on Amazon purchases) over the Amazon Prime Rewards (5% on Amazon purchases), so does anyone have any recommendations as between the Amazon Prime Rewards and the Amazon.com Store Card?

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There's just one Chase Amazon card, but the rewards you get depends on whether you're a Prime member or not... Prime members get 5% and non-Prime gets 3%.  The Prime version of the card also has metal in it.  The Amazon store card is issued by Synchrony, but now that Chase is (or soon will be) offering 0% offers on certain purchases like the store card does, I don't see much reason to get the store card anymore, since the Chase card is a Visa and can be used anywhere.

Currently the Chase Amazon card isn't a 5/24 card, but they can still deny you if you have too many new accounts... I'd let your newest account age a few months before applying for the best chances of approval.

[Anonymous]

I was approved for the Prime Visa which is through chase.

I applied through amazon which was the same as applying through chase, fill in the info, they run your credit, etc.

If you have more than 2 inq in past 3 months you may not get it.

This Card doesn't really apply to 5/24 rule so if you get declined you can still get it approved after if you recon and explain your strategy with it.

Since you got the freedom I assume you'll be fine but it'll come down to #of inqs / average age of accounts and etc.

Since the freedom is through chase, they may be hesistant to give you more credit so early in which case 6 months after having the freedom may be the best time to get this card.

Prime Rewards > Store Rewards because you can use it as a general 2% cash back card on other categories and as a general credit card.

[Anonymous]

Having a BK on your record, especially if you IIB'ed Chase, will be a big roadblock to your chances of getting this card - that's why I haven't applied myself - even though I understand co-branded cards are somewhat easier to get than Chase-branded cards with a BK. You'll likely have to call in for recon, spend a lot of time on the phone and probably end up with a toy limit.

[Anonymous]

I was approved for this card with a 13500 Limit and I have had several new inquiries and new accounts this year. I think it just depends on your profile.

But with that being said, if your profile supports it, I’ll definitely go for the chase card though. I have both but that’s only because I got the store card first.

[dynamicvb]

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@Anonymous wrote:

Having a BK on your record, especially if you IIB'ed Chase, will be a big roadblock to your chances of getting this card - that's why I haven't applied myself - even though I understand co-branded cards are somewhat easier to get than Chase-branded cards with a BK. You'll likely have to call in for recon, spend a lot of time on the phone and probably end up with a toy limit.

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I have not applied for this one, but I did apply for a chase and was given this very reason and the only reason for the denial.