Prime Visa and Amazon Visa

Prime Visa and Amazon Visa

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Prime Visa
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Customer reviews

4.2 out of 5 stars
4.2 out of 5
107,078 global ratings
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Top reviews from the United States

Abby
1.0 out of 5 stars Predatory interest policy - and I am a loan underwriter!
Reviewed in the United States on March 19, 2018
Style: Amazon Visa
This card has sneaky interest rate policies that you should be aware of prior to getting the card. I am a loan underwriter and credit analyst, so this experience was particularly irritating because I know exactly how credit cards work! I received my first statement and paid all but $25 (by accident, meant to pay in full) on time. So my carryover balance was $25, which I would expect to be charged interest for. However, on the next statement I see I have been charged interest for the full balance PLUS my new purchases, of which I was still within the grace period at that point. This happened again the following month. So I called Chase and was told that for this particular card, if you don't pay the balance in full they charge interest on the TOTAL balance - not the carry-over balance like most other credit cards, which in my case was $25 - PLUS they will forego the grace period on your current purchases! I told them I won't be using this card anymore, and that this is predatory. Beware, if you can't pay the balance in full by the due date each month, the interest you will be charged is not worth the rewards; you will wind up spending more on interest than you will receive back. My FICO is in the 800s and they are charging over 15% APR - with no grace period because of that $25 carryover the first month - so I imagine the average interest rate on this card is well over 20%. There are much better reward cards out there that don't practice usury.
97,066 people found this helpful
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brifd1
4.0 out of 5 stars The best card for using at Amazon
Reviewed in the United States on May 9, 2024
Style: Prime Visa
This is a "must have" credit card to have if you purchase a fair amount from Amazon, for its 5% reward level - sometimes temporarily higher during busy periods - equals or beats the competition. For non-Amazon purchases, its rewards can be beaten, thus I use other rewards cards for those. Getting paid your rewards includes depositing them into your bank account, my preferred method because a statement credit reduces the rewards that you receive on the purchase that you applied them to. However, fairly recently Chase made this more difficult, requiring you to enter the routing number and account number every time that you want a bank credit, which is a nuisance and off-putting. Still, at least the option still exists. In addition, this card has special rewards from time-to-time, such as providing 3% on restaurants for a certain period, except the item has to post by the end of the period, so don't wait until the last day or two of the stated period. They also have regular extra rewards from specified merchant purchases, though you have to go in, activate the offer AND remember that it's there, whereas an approach that would more likely get you using the offers would be to email you which ones that you have activated periodically, for I virtually if not always forget about them. As for Chase's website, it's woefully in need of refreshing Amazon.com style, for its small font and cryptic. A plus, though, is that you can review your purchases on Amazon.com itself, which - although it requires that you go purchase-by-purchase if you want to tally your sales taxes paid for the year - is a much better interface to deal with. A year-end summary that tallies total purchase and total taxes paid would be nirvana.
5 people found this helpful
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Jorge Torres
1.0 out of 5 stars Worst credit card experience as customer.
Reviewed in the United States on February 12, 2019
Style: Prime Visa
I applied for this card making sure my credit score was good enough to obtain it. I hate the feeling there are things out of my control so I studied all the requirements before sending the request. I'm a declared fan of all Amazon's products, this couldn't fail.
After a few days I got a letter from Chase asking me for some details such as my SSN card and a proof of residence. Fair. During that day, I went to a Chase office in person to show all my papers, and they said "you're approved". Effectively, I got my card a week later. It came with a described list of all basic steps: how to activate it, sign in for online account, etc. Even my Amazon account automatically assigned this card as my default payment method. To make sure it was properly working, I bought a couple of stuffs on Amazon without using the $70 gift card. I thought "I can use the benefit later" and it worked as expected.

Sounds like a nice story, right?

Well, next day I tried to pay my lunch with my brand-new Amazon Prime Visa but it was rejected. I didn't pay much attention and I just called by the end of the day to Chase. Surprise was to hear they'd decided to close my card without immediate notice. In addition, they said they didn't have access to the actual reasons. They just said I had to wait seven to ten days for a letter with the reasons. I must be honest, I was totally upset with this situation and I thought to send this feedback right away. But, what is a good review without the whole story?

Today I got the glorious letter. The reason? NOT ENOUGH CREDIT INFORMATION ON FILE.

Really? Don't they have the chance to check this after asking me for my SSN, ID, creating a hard inquiry on my credit score, etc? Don't they have the chance to check this information BEFORE SENDING THE PHYSICAL CARD?

I thought Chase + Amazon = best combination.

Now, for the very first time, I cannot recommend an Amazon product.
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Jorge Torres
1.0 out of 5 stars Worst credit card experience as customer.
Reviewed in the United States on February 12, 2019
I applied for this card making sure my credit score was good enough to obtain it. I hate the feeling there are things out of my control so I studied all the requirements before sending the request. I'm a declared fan of all Amazon's products, this couldn't fail.
After a few days I got a letter from Chase asking me for some details such as my SSN card and a proof of residence. Fair. During that day, I went to a Chase office in person to show all my papers, and they said "you're approved". Effectively, I got my card a week later. It came with a described list of all basic steps: how to activate it, sign in for online account, etc. Even my Amazon account automatically assigned this card as my default payment method. To make sure it was properly working, I bought a couple of stuffs on Amazon without using the $70 gift card. I thought "I can use the benefit later" and it worked as expected.

Sounds like a nice story, right?

Well, next day I tried to pay my lunch with my brand-new Amazon Prime Visa but it was rejected. I didn't pay much attention and I just called by the end of the day to Chase. Surprise was to hear they'd decided to close my card without immediate notice. In addition, they said they didn't have access to the actual reasons. They just said I had to wait seven to ten days for a letter with the reasons. I must be honest, I was totally upset with this situation and I thought to send this feedback right away. But, what is a good review without the whole story?

Today I got the glorious letter. The reason? NOT ENOUGH CREDIT INFORMATION ON FILE.

Really? Don't they have the chance to check this after asking me for my SSN, ID, creating a hard inquiry on my credit score, etc? Don't they have the chance to check this information BEFORE SENDING THE PHYSICAL CARD?

I thought Chase + Amazon = best combination.

Now, for the very first time, I cannot recommend an Amazon product.
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Just Me
4.0 out of 5 stars Monthly Bill
Reviewed in the United States on May 10, 2024
Style: Prime Visa
I don;t like the way the summary at the end of the month doesnt show the payment due excluding the items I can pay off over time.
Do I need to keep a record of the total amount excluding what is not due yet?
One person found this helpful
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brian t.
3.0 out of 5 stars Everything is good except one thing.
Reviewed in the United States on May 8, 2024
Style: Prime Visa
I have been a customer for about 3 years now, never late, never missed a payment and used this card quite a bit and it worked well.
My only complaint is my credit limit. After reviewing my payment history and card use I would think a line increase would have been a logical conclusion but unfortunately I still have the same limit I started with and have had to use other cards and other retailers to make larger purchases, which is fine, just a little inconvenient and a bit puzzling since your company is leaving money on the table and handing it to your competitors. Other than that it works as advertised.
5 people found this helpful
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