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.
You can use your Chase Freedom points to pay for purchases on Amazon.com. So instead of redeeming your rewards for a statement credit, which could be used to offset the cost of Amazon charges, you can redeem directly through Amazon without having to charge anything to your card. This minor convenience, which some might see as a gimmick, is the only Chase Freedom Amazon promotion available at the moment.… read full answer
From time to time, Amazon may also be part of Chase Freedom’s rotating bonus rewards categories. Every quarter, some types of purchases get 5% cash back on the first $1500 you spend, while everything else gets unlimited 1% cash back. Amazon’s been a bonus category before. But you can’t really plan on that happening again.
Furthermore, there are a few things you should know before using Chase Freedom points to pay for Amazon purchases:
To get started, you’ll need to go to Amazon’s Shop With Points page and link your Chase Freedom card to your Amazon account. Then you’ll be able to spend your points on anything in Amazon’s extensive inventory.
1 point equals 1 cent on Amazon. That’s about the same value you get for most types of Chase Ultimate Rewards point redemption. The only times you might get more value are when you use the points with Chase’s travel partners.
You won’t earn more points when you pay with Chase Freedom points on Amazon. You’ll only earn rewards on amounts charged to your card (i.e. normal purchases).
There are plenty of non-Chase Freedom Amazon savings opportunities, too. For example, if you’re a Prime member, you can get 5% back on all purchases with the Amazon Store Card. And some Discover it cards include Amazon in their 5% bonus categories, too.
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