How does the partnership between Chase credit cards and Amazon work?

There are two Amazon Chase credit cards: the Amazon Rewards Visa and the Amazon Prime Rewards Visa Signature Card. Both are issued by Chase, and both require at least good credit for approval. There are also some Chase credit card Amazon benefits available, regardless of which Chase card you have. For example, you can use Chase Ultimate Rewards points to pay for purchases on Amazon.com.

There’s more to the story, though. So keep reading. I’ll walk you through the perks being offered.  

Here are the Chase credit card Amazon deals:

• Shop with points. Just sign into your Amazon account here, link any Chase rewards credit card, and you can immediately start shopping. Just choose “Chase Ultimate Rewards Points” as your payment method at checkout. You’ll get 1 cent per point, the standard value for Chase rewards. So unless you have Sapphire Preferred or Reserve (whose points are worth more when used for travel), you won’t lose any value by redeeming on Amazon.
• Amazon credit cards. Chase basically offers two versions of their Amazon credit card: one for normal customers and one for Prime members, which offers better Amazon rewards and a bigger sign-up bonus. The Amazon Rewards Visa Card gives you 3% cash back at Amazon, 2% at restaurants/gas stations/drugstores, and 1% everywhere else. You also get a $50 Amazon gift card immediately when you’re approved. The Amazon Prime Rewards Visa has the same terms, except it gives 5% back at Amazon and a $75 gift card.
                                        
  And another great part about both of these cards is that you can use them immediately after you’re approved. You don’t have to wait for the physical card to come in the mail.
• Chase Freedom bonus. The Chase Freedom Credit Card has rotating bonus categories each quarter, where certain types of purchases earn 5% cash back. Amazon has been among those categories before and could be again, but you can’t count on it.

So you can’t really get Amazon savings unless you have one of Chase’s Amazon credit cards. But shopping with points is a nice option to have. And if you’re a frequent Amazon customer, you may want to consider applying for some Amazon plastic. If you don’t have the good or excellent credit required for approval, consider the Amazon Store Card instead. You only need fair credit, and if you’re a Prime member, you get 5% back at Amazon.

The Amazon credit cards are Chase credit cards. The partnership extends to enabling you to use your Chase Ultimate Rewards points (from any Chase credit card) to pay for your Amazon purchases, which is pretty cool.