Prime Visa and Amazon Visa

Prime Visa and Amazon Visa

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Prime Visa
Get a $100 Amazon Gift Card instantly upon approval*
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Customer reviews

4.2 out of 5 stars
109,847 global ratings
Worst credit card experience as customer.
1 out of 5 stars
Worst credit card experience as customer.
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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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.
98,840 people found this helpful
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Jettaran
4.0 out of 5 stars Okay, but…
Reviewed in the United States on August 3, 2024
Style: Prime Visa
I applied for the card so that I could shop at Amazon and use points. I liked it and looked forward to shopping with my points after I paid my bill. Now they made it so you get points immediately. So, instead of a nice lump we just get nickel and dimes to shop with. It’s no fun anymore. Plus, I want to get local items and it sends me stuff from China! The clothes and other items are smelly like mildew. The search option brings up things that are not available or will not ship to me. Well, then don’t show that crap to me! It’s a waste of my time!!!

On another note, there are some items that I’ve gotten that were worth it. And they came quickly! I like the books and the movies. For this, I stay here. If they ever mess with those options, I’m out!
One person 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.
Customer image
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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66,724 people found this helpful
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Jo64
4.0 out of 5 stars A decent value if you are in the right area
Reviewed in the United States on August 1, 2024
Style: Prime Visa
I used to use this card almost exclusively as Amazon carried many products that I purchased. As prices and products have changed the advantages of the card are less appealing. I get 2% off groceries in-store and 5% online with the store I shop at most with their branded card. Also I have the option to use statement credit which I find most advantageous and finally, there are no Whole Foods in my area. So, by restricting points entirely to purchases on Amazon, which I use less frequently, I am using the Prime card less as well and no longer carry it with me.
4 people found this helpful
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Thereza H.
3.0 out of 5 stars A lot of Room for improvement and transparency
Reviewed in the United States on July 25, 2024
Style: Prime Visa
Although the card is convenient and linked to Amazon, it is definitely not clear how to buy things with payment plans. I made a big purchase with some items together, and at the checkout it gave me the option of a payment plan. It was a great deal, with no interest, and it fit my budget perfectly. To my surprise a few days later I saw that everything was charged in full to my card. I called customer service and I was told that only a few items were eligible for that option, which is not what it said at the checkout. I had to return everything and it took a while to receive the money back from the most expensive item, and there’s still $20.00 left, but I won’t even bother since it’s been such a nuisance. I ended using affirm, paying a bit of interest but they are very clear and no bad surprises. I bought one other item with a payment plan option, and it still shows they are charging in full. Bottom line, it’s just a regular card. Don’t fall for no interest payment plan. It doesn’t work.
23 people found this helpful
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