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Chase Amazon.com Rewards Visa® Card

Cardholders' Choice i
Approval Odds
Cardholder (65 Reviews)
Application Process
Customer Service
4.0153999328613 5

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Most Helpful Positive Review

easy to apply surprised by result
Helpful to 35 out of 36 people

I am working hard to build up my credit again after my college years destroyed it, and am very careful to not apply for cards I don't think I'll get, as I try to keep my inquiries to a minimum (as that is currently one of the best things about my score). As I am preparing for my destination wedding, however, I am looking to cut corners, save money, and have access to additional funds just in case we want to splurge a little bit. The offer for a $50 gift card sold me, and as I am a frequent Amazon shopper, the 3% back on purchases is a great incentive. 

Upon submitting application, I got the old - we cannot immediately approve your app, we are processing your request, we will contact you soon, etc. I thought for sure this meant I was denied - I've been there.

To my surprise, I checked my email not 15 minutes later to find I had been approved with a $1000 limit and the $50 gift card had been added to my account. For reference, my CK score is 625. 

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Most Helpful Critical Review

Easy application process, stable card
Helpful to 3 out of 4 people

This was my first credit card, I applied when I was 20 or 21 with a TU somewhere around the mid 600s. CL was initially $1200 but automatically grew to $2000 after a year or so.

Be careful about missed payments. Not the serious, 30-plus-day-late kind, but the couple-hours-past-the-deadline kind. If you forget to pay exactly before the payment date and pay even a couple hours after, you'll be dinged with the max APR. That happened to me but I don't carry a balance so it doesn't matter.

Customer service is hit or miss. You'll generally get a representative in the US. Just keep calling back if you don't hear what you want to hear.

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saltycrackers32's review was:    

 

Reviews (65)

customer service not very impressive
Helpful to 1 out of 1 people

I got fradulently charged for something on this card. After calling the customer service center, they said they would take care of removing the charge and send me a new card. In reality, they took no action whatsoever. After 2 weeks of receiving no card in the mail, I called again and they said, oh no action was taken yet. Good thing I called again; I must have reached a lazy person the first time around. I would have had no card had I not called again. 

tl; dr    their customer service can be lazy and ineffective. You should follow up on your own regarding claims. 

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Nice card for Amazon shopping
Helpful to 2 out of 2 people

I applied for this card online while ordering from Amazon; got instant approval for a $3000 CL and 14.24% APR (the advertised minimum). I joined Amazon Prime about 2 weeks ago and plan to use this card primarily for Amazon shoppiing (which I may do quite a bit of). TU score is 802, EQ score is 803, utilization is usually below 10%.

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TuxedoCashier's review was:    

 
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Just OK - Disappointing Customer Service
Helpful to 2 out of 3 people

I have had this card since 2007, when I was still in college.  Unfortunately, unlike many of the other cardholders who have written great reviews here, I have never been offered a CLI from Chase automatically.  I called Chase today to request a CLI, but was informed that it would result in a "hard pull" on my credit.  I recently purchased a new car, resulting in several hard pulls in one day and am trying to avoid anymore for at least the next year, so I declined, opting to not increase my CL with Chase.  Anyhow, I was surprised by the fact that a hard pull was required, as I had read various forums and FAQs re: Chase CLIs online before calling to request and increase.  My current CL for my Chase Amazon Rewards card is $500, despite the fact that I have good credit and my income has nearly doubled in the past year and is now over $70k.  I have "qualified" for automatic CLIs on several other cards over the past year+ and have (after request) received CLIs on several other credit cards with no "hard pull" of my credit.  My utilization is around 50%, though this doesn't take into account a zero balance on a limitless AmEx.  Needless to say, I find this CLI situation extremely disappointing and I will be paying off the remaining $200 balance on this card and never using it again.  Bad customer service.  FICO = 726; EQ = 697; EX = 684; TU = 704. 

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definitely worth a shot
Helpful to 5 out of 5 people

I applied for this card about 4 months ago with  my lowest fico score at 648 and highest at 680. I applied online and got the "further consideration" message. I recieved a letter a couple weeks later telling me to call a 800 number. It turned out that they just wanted to confirm my address because I had recently moved and my address didnt match my credit report. After I answered a few questions I was told I was apporved for a $1000 limit. which was my highest limit at the time (previous was 500)  Yesterday I went to pay my bill on the chase app and noticed that chase had doubled my limit to $2000! The rewards are good easy to use on amazon and paying the bill is easy online or using the app. So far so good for me!

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Feeling super elated!!!
Helpful to 2 out of 2 people

I applied for this card after lot of rejections from other financial institutions.I thought i would just try my luck.I initially got the response that amazon.com would take some time to review my application and would get back to me after some time.On the next day,i got an email from them that i had been approved with a CL of 2000$ and a gift card of 70$ loaded onto my card.For reference my credit score is 634(EXP)

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Looking Forward to Rewards
Helpful to 1 out of 1 people

07May2015. Made my first purchase from Amazon.com. True story, I went to elementary school with Jeff Bezos.  Very proud of his success. Well, Jeff, you got my two cents to add to your billions!  Anyway, added a tablet to my cart and decided to apply for the Amazon.com Rewards VISA  pay for my purchase. Clicked the link, submitted, $5000 limit plus the $60 gift card.  Used the gift card on first purchase.  CK scores at time of application, 716 TU and 681 EQ. Since I'm a Chase AARP VISA member I was able to view my new card's activity by logging on to my current account. One bad note:  22.9% APR.  Will definitely pay as I go. Good luck.

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Stable workhorse
Helpful to 3 out of 5 people

Appled as my first card when I was 20 or 21 with a very basic credit score. Initial CL of $1200 grew to $2000 over one year or so. Customer service is hit or miss; don't miss a payment by even a few hours or your account will be bumped up to the max APR.

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saltycrackers32's review was:    

 
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Easy application process, stable card
Helpful to 3 out of 4 people

This was my first credit card, I applied when I was 20 or 21 with a TU somewhere around the mid 600s. CL was initially $1200 but automatically grew to $2000 after a year or so.

Be careful about missed payments. Not the serious, 30-plus-day-late kind, but the couple-hours-past-the-deadline kind. If you forget to pay exactly before the payment date and pay even a couple hours after, you'll be dinged with the max APR. That happened to me but I don't carry a balance so it doesn't matter.

Customer service is hit or miss. You'll generally get a representative in the US. Just keep calling back if you don't hear what you want to hear.

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saltycrackers32's review was:    

 
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Excellent card; has served me well
Helpful to 3 out of 4 people

I have had this card for nine years now and I have zero complaints. I usually rack up somewhere between $20-$50 per month in points, so I end up getting a lot of free stuff from Amazon. I pretty much live off of this card, which is why I've made so much money on it. You can redeem any amount of points at any time during checkout - if you want to redeem $5.21, that's okay. If you want to redeem $200, that's okay too. New points are not available immediately; only after the statement date, but I hear that's pretty typical. I don't generally carry a balance. I have probably made thousands of dollars on this card over the years and have paid less than $30 in interest, so it's been very good to me.

I want to say I started somewhere around a $2k-$3k limit for this card since it was my first real credit card other than a card of my parents' that I was an authorized user on, and my credit limit is now $9,900. I have never asked Chase for an increase; they have just automatically given them to me. I have no complaints. I just got a Freedom card so I can get more effective rewards, so my usage on this one will decrease a bit, but I will definitely keep this one and use it for years to come.

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A Curious And Fast Approval
Helpful to 1 out of 1 people

I haven't had a credit history for around seven years now. My last credit history was really bad. I had delinquent accounts and a very low credit score of below 540. I signed up with CreditKarma a few months ago, and they showed my credit score as being 710. That was a score from around two years ago, however, since it was the last open account I had which was a Capital One credit card which was shown to have a good payment history. A month ago or so, CreditKarma changed it's webpage and I now have a summary saying that I have a thin file which meant that I had no available credit history in order to pull up a credit score. I needed to build credit since I had none for that lengthy span of time, and was applying for different cards. I was shopping on Amazon and they offered the Amazon Store card which I applied for and got rejected. The next card that came up was the Amazon Chase Rewards Visa, and I decided to apply too, even though I was definitely expecting to get rejected as well. I entered my information and pressed the submit button. Instantly, I was approved for a credit limit of 3,500 and a 70 Amazon gift card was auomatically applied to my account. I looked at it curiously, thinking it must've been a mistake since I had a thin file, virtually no credit history for the past 7 years, and I had a very hard time getting approved for any kind of credit card. Well, I got the confirmation email, then an email from Chase welcoming me and telling me that I'd receive my card in about two weeks. I received my Amazon Rewards Visa today, approximately 8 days later. I enrolled online, made a purchase of 56.95, scheduled a payment for two days later in that amount. I haven't had any problems and I don't expect to have any problems. I hope that by having this card, I'd be able to rebuild my credit history. Chase had me at an acquisition risk score of 749 and my Rewards card has an APR of 19.24%. I have to thank Chase for allowing me the ability to rebuild my credit as with a thin file and no credit history, I was likely to have been denied over and over again with a long process to building credit history. Thanks Chase Amazon Rewards Visa.

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Company Overview

Chase Card services offers a diverse assortment of products and benefits for consumers’ credit needs, such as rewards cards, travel cards, miles cards, business cards, student cards, as well as its most popular credit card, the Chase Freedom card. Chase also has numerous partnerships with retailers and merchants for co-branded credit cards backed by Chase. Credit cards are issued by Chase Bank, the banking subsidiary of JP Morgan Chase & Co and one of the biggest banks in the United States. Chase Bank provides personal banking, small business, mortgage, auto finance, investing, and a full-service array of banking services.

Chase Bank, formerly known as Chase Manhattan Bank, grew rapidly in the past decade, merging with J.P. Morgan & Co. in 2000 and renamed to Chase Bank. Today, Chase is one of the biggest banks in the United States. Established over 200 years ago, JP Morgan Chase & Co. is a global financial services company with more than $2.1 trillion in assets with operations in 60 countries.

Approval Odds

Chase Amazon.com Rewards Visa® Card

65 Reviews
Cardholders' Choice i