• Register
  • TOS
  • Privacy
  • @NeoGAF
  • Like

Schlorgan
Member
(01-11-2017, 07:51 PM)
Schlorgan's Avatar
I've never taken out a credit card before and this one is looking pretty nice, but I'm not sure how I would get money from my debit account that my direct deposit goes into to pay off the credit since they would be through two different companies. Any advice?
ColdPizza
Banned
(01-11-2017, 07:52 PM)

Originally Posted by WeAreStarStuff

Amazon emailed me today about my updated awards on my Chase Amazon card; pretty great.

I suppose it takes awhile to get those emails out. I haven't received one yet.
kakashi08
Member
(01-11-2017, 07:54 PM)
kakashi08's Avatar
On amazon website it says I have 5%
On the chase website still at 3%
Zoe
(01-11-2017, 07:55 PM)
Zoe's Avatar

Originally Posted by ColdPizza

I suppose it takes awhile to get those emails out. I haven't received one yet.

My email originated from Chase, not Amazon.
ColdPizza
Banned
(01-11-2017, 07:58 PM)

Originally Posted by Zoe

My email originated from Chase, not Amazon.

Nothing from them yet, either.
Laekon
Member
(01-11-2017, 07:59 PM)

Originally Posted by 2real4tv

How do they make money then? Whats the catch?

They raise cost. Amazon is now more expensive then a lot of sites.
Dartastic
Member
(01-11-2017, 08:00 PM)
Dartastic's Avatar
Thanks, OP. Just applied for one to get the 70 dollar credit. Glad there is no annual fee. That's good enough for me.
a very cute dog
Member
(01-11-2017, 08:00 PM)
a very cute dog's Avatar
I order from Amazon a LOT. Is this worth getting?
dallow_bg
nods at old men
(01-11-2017, 08:01 PM)
dallow_bg's Avatar

Originally Posted by RuGalz

Didn't Chase reduce the point conversion when used on Amazon recently?

edit: http://thepointsguy.com/2016/07/chas...ewards-amazon/

That's for Chase's other cards.
This is the Amazon branded Chase card.

Originally Posted by a very cute dog

I order from Amazon a LOT. Is this worth getting?

Do you want free money back?
thespot84
Member
(01-11-2017, 08:01 PM)
thespot84's Avatar
I'm on the phone with chase now:

The card is a partner card, meaning that any rewards you get on it CANNOT be transferred to another chase card like the sapphire reserve. You can, however, transfer points from a chase card TO a partner card.

Any rewards you generate with this amazon card are managed by amazon, not by chase.

Since it's a partner card it is not eligible for product upgrade. Normally with a chase account open over a year you can change the type of card on the account, for example I changed my old sapphire to a freedom to churn points. I just inquired about changing a third account I have over to this card, but it's not possible.
icespide
Banned
(01-11-2017, 08:02 PM)
icespide's Avatar
so, I have the chase amazon card, also a prime member. do I need to actually do anything to get this?
SubScorpianZero
Member
(01-11-2017, 08:02 PM)
SubScorpianZero's Avatar
they need to offer a credit card that includes amazon prime yearly as a perk. I'd get a new card asap.
RuGalz
Member
(01-11-2017, 08:05 PM)

Originally Posted by dallow_bg

That's for Chase's other cards.
This is the Amazon branded Chase card.

Ah. Well then that's good.
The Albatross
Member
(01-11-2017, 08:07 PM)
The Albatross's Avatar

Originally Posted by Schlorgan

I've never taken out a credit card before and this one is looking pretty nice, but I'm not sure how I would get money from my debit account that my direct deposit goes into to pay off the credit since they would be through two different companies. Any advice?

When you sign up for a credit card, say through Chase, you create an online account, and then there is a bill payer screen that you would save your Debit/CheckingAcct to that you will use to pay that card off/down. When you go to pay your credit card, you pay through that bill payer screen on Chase.

Alternatively, you could setup a bill payer through your existing bank to write a check to Chase. Or, you could write a check yourself and mail it.

It's like linking a card/acct to PayPal, Venmo, your electric company, Verizon, Xbox Live, PSN, Amazon, or any other service.

Originally Posted by a very cute dog

I order from Amazon a LOT. Is this worth getting?

The Chase Amazon card is decent for rewards. The APR will probably be higher than other cards offered through your bank. It's been my primary card for 6 or 7 years now and I like the card. I recently pooled up my points for quite a while and bought the new 15" MacBook Pro with points and a few gift cards. It was some $1500 worth of points, which took me quite a while to accumulate, but typically I get more in points than I pay in interest, so I'm "being paid to use the card," in a sense.

The risk with any card, of course, is that you run a balance.
SOME-MIST
Member
(01-11-2017, 08:07 PM)
SOME-MIST's Avatar
I've already been upgraded too :)
pretty stoked on this tbh
Massicot
Member
(01-11-2017, 08:09 PM)
Massicot's Avatar

Originally Posted by RuGalz

Didn't Chase reduce the point conversion when used on Amazon recently?

edit: http://thepointsguy.com/2016/07/chas...ewards-amazon/

This would be like using Chase Freedom ultimate points on Amazon. I always just use the Ultimate points as a statement credit.

The Amazon Visa should be a full 5% without conversion loss....I hope.

Edit: The Amazon card earns "Amazon Points" not "Ultimate Points" so I believe this is right.
Schlorgan
Member
(01-11-2017, 08:09 PM)
Schlorgan's Avatar

Originally Posted by The Albatross

When you sign up for a credit card, say through Chase, you create an online account, and then there is a bill payer screen that you would save your Debit/CheckingAcct to that you will use to pay that card off/down. When you go to pay your credit card, you pay through that bill payer screen on Chase.

Alternatively, you could setup a bill payer through your existing bank to write a check to Chase. Or, you could write a check yourself and mail it.

It's like linking a card/acct to PayPal, Venmo, your electric company, Verizon, Xbox Live, PSN, Amazon, or any other service.



The Chase Amazon card is decent for rewards. The APR will probably be higher than other cards offered through your bank. It's been my primary card for 6 or 7 years now and I like the card. I recently pooled up my points for quite a while and bought the new 15" MacBook Pro with points and a few gift cards. It was some $1500 worth of points, which took me quite a while to accumulate.

Ah. That's a lot easier than I thought. I think I'll go for it then. I use Amazon a lot.
StanleyStutters
Member
(01-11-2017, 08:15 PM)
StanleyStutters's Avatar

Originally Posted by a very cute dog

I order from Amazon a LOT. Is this worth getting?

Looks like it from what I seeing. I signed up today and already got my $70 GC deposited in my Amazon account. The big thing to look out for is interest. Reward cards typically carry a much higher interest rate than what you'd get from a basic credit card at your bank or credit union. As long as you don't carry a large balance, or better yet pay it off every month, the rewards should be more than worth it.
SyNapSe
Member
(01-11-2017, 08:19 PM)
SyNapSe's Avatar
Logged into my account and it shows a different looking card. 5% for prime members, 3% for non-prime.

Am I actually going to get a new physical card? What's the point of the Prime Store Card now. It's right next to it and 5% prime but nothing on other purchases.
thespot84
Member
(01-11-2017, 08:20 PM)
thespot84's Avatar
PS if you're using UR points as credit you're missing out on their potential. Statement credit is 1%, certain cards will let you book travel at 1.15 (sapphire preferred) or even 1.5% (sapphire reserve).

The sapphires also let you transfer points directly to miles with star alliance, southwest, hilton, hyatt etc, which will generally net you better than 1%.
kingocfs
Member
(01-11-2017, 08:21 PM)
kingocfs's Avatar
Applied for this in December, did all of my Christmas shopping on it. It's now my primary card.
sangreal
Member
(01-11-2017, 08:23 PM)
sangreal's Avatar

Originally Posted by SyNapSe

Logged into my account and it shows a different looking card. 5% for prime members, 3% for non-prime.

Am I actually going to get a new physical card? What's the point of the Prime Store Card now. It's right next to it and 5% prime but nothing on other purchases.

Yes, everyone will get a new physical card

Store card is easier to get for some people

Originally Posted by thespot84

PS if you're using UR points as credit you're missing out on their potential. Statement credit is 1%, certain cards will let you book travel at 1.15 (sapphire preferred) or even 1.5% (sapphire reserve).

The sapphires also let you transfer points directly to miles with star alliance, southwest, hilton, hyatt etc, which will generally net you better than 1%.

amazon card doesn't give UR points
kirblar
Member
(01-11-2017, 08:24 PM)
kirblar's Avatar

Originally Posted by sangreal

amazon card doesn't give UR points

Yup, but 5% is better than 4.5% (3x1.5) so it still works out in your favor!
Ixian
Member
(01-11-2017, 08:27 PM)

Originally Posted by RuGalz

Didn't Chase reduce the point conversion when used on Amazon recently?

edit: http://thepointsguy.com/2016/07/chas...ewards-amazon/

That's for Ultimate Rewards points though; the Amazon card doesn't give those so that doesn't apply here.
Admiral Woofington
m'Souls, m'lady
(01-11-2017, 08:28 PM)
Admiral Woofington's Avatar
I got this card a year or year and a half ago and I already have 300 bucks in points. I won't use the points until

A. 4k tvs are cheaper as they become the standard.
B. Online content has 4k content regularly.
C. With emperor trump elected Internet companies don't fuck over customers with data caps again.


This card is a God send for someone like me that shops on Amazon all of the time
HammerOfThor
Member
(01-11-2017, 08:31 PM)
HammerOfThor's Avatar

Originally Posted by ColdPizza

If you're in the US, go to Amazon.com, Your Account > Manage Payment Options

You should see your card with an expander. Click on it...it should say Rewards Status: Earns 5% back


Sweet! Thanks! I just had to verify my card number then it changed from 3% to 5% :D
ronco2000
Member
(01-11-2017, 08:33 PM)
ronco2000's Avatar
What about store cards?
sangreal
Member
(01-11-2017, 08:35 PM)
sangreal's Avatar

Originally Posted by ronco2000

What about store cards?

the store card was already 5% for prime accounts
Apath
Member
(01-11-2017, 08:38 PM)
Apath's Avatar
How do I enroll for one?
thespot84
Member
(01-11-2017, 08:39 PM)
thespot84's Avatar

Originally Posted by sangreal

amazon card doesn't give UR points

Massicot said they use their UR points as statement credit. I wasn't talking specifically about the amazon card.
ColdPizza
Banned
(01-11-2017, 08:43 PM)

Originally Posted by Apath

How do I enroll for one?

You can do it through Amazon.com
Chris R
Member
(01-11-2017, 08:43 PM)
Chris R's Avatar
Mine hasn't upgraded yet it seems...
Schlorgan
Member
(01-11-2017, 08:47 PM)
Schlorgan's Avatar
Applied. Fingers crossed.
BronsonLee
Banned
(01-11-2017, 08:47 PM)
This card is boring

I've had it forever and never use it
terencecah
Member
(01-11-2017, 08:47 PM)
terencecah's Avatar
Hmm yes I'll sign up for this, I spend lots of money on Amazon

I use my Citibank double cash for everything else
a very cute dog
Member
(01-11-2017, 08:49 PM)
a very cute dog's Avatar

Originally Posted by StanleyStutters

Looks like it from what I seeing. I signed up today and already got my $70 GC deposited in my Amazon account. The big thing to look out for is interest. Reward cards typically carry a much higher interest rate than what you'd get from a basic credit card at your bank or credit union. As long as you don't carry a large balance, or better yet pay it off every month, the rewards should be more than worth it.

So ideally if I pay it off every month (which I do with other cards) it's win/win? It seems like a good idea but I've never signed up for a "3rd party" card like this so I'm very slightly sketched out.
Ron Mexico
Member
(01-11-2017, 08:51 PM)
Ron Mexico's Avatar

Originally Posted by a very cute dog

So ideally if I pay it off every month (which I do with other cards) it's win/win? It seems like a good idea but I've never signed up for a "3rd party" card like this so I'm very slightly sketched out.

I would drop the ideally part, but otherwise yeah. The poster was correct about the typical APRs on rewards cards are generally extremely high in comparison. Even carrying a balance for a couple months could easily wipe out the savings in points you've earned.
Massicot
Member
(01-11-2017, 08:52 PM)
Massicot's Avatar

Originally Posted by a very cute dog

So ideally if I pay it off every month (which I do with other cards) it's win/win? It seems like a good idea but I've never signed up for a "3rd party" card like this so I'm very slightly sketched out.

Treat it like a debit card basically and yea. Never carry a balance except for emergencies. Look at your bank account to decide what you can afford, not your credit limit.
metsallica
Member
(01-11-2017, 09:19 PM)
metsallica's Avatar
Felt like adding... I'm probably just naive here, but it was pretty cool to go from the announcement web page to having the card in my account ready to use with the $70 gift card in 30 seconds. The world is crazy.
fredrancour
Member
(01-11-2017, 09:22 PM)

Originally Posted by metsallica

Felt like adding... I'm probably just naive here, but it was pretty cool to go from the announcement web page to having the card in my account ready to use with the $70 gift card in 30 seconds. The world is crazy.

it is very terrifying how quickly one can get a credit card online yes.
Meier
(01-11-2017, 09:22 PM)
Meier's Avatar

Originally Posted by Zoe

Do you have Prime Video under your own account or do you have to sign in with the main account?

For reference, my wife is the one who pays for our Prime account but I'm listed as a family member. I got the upgrade applied to my card/account.
Splash Wave
Member
(01-11-2017, 09:23 PM)
Splash Wave's Avatar
Is it best to sign up for the card when making a large-ish purchase? I always see that little bulletin offering discounts for signing up, but I never do.
a very cute dog
Member
(01-11-2017, 09:27 PM)
a very cute dog's Avatar

Originally Posted by Ron Mexico

I would drop the ideally part, but otherwise yeah. The poster was correct about the typical APRs on rewards cards are generally extremely high in comparison. Even carrying a balance for a couple months could easily wipe out the savings in points you've earned.

Hey, I can do that. Makes sense that they'd have a high APR in the hopes of people keeping a balance. Thanks!
jfoul
Member
(01-11-2017, 09:30 PM)
jfoul's Avatar
I have this card and it's been upgraded, but I'll probably keep using the Amazon Prime Store Card that's been 5% for awhile.
Zoe
(01-11-2017, 09:34 PM)
Zoe's Avatar

Originally Posted by Meier

For reference, my wife is the one who pays for our Prime account but I'm listed as a family member. I got the upgrade applied to my card/account.

That's the kind where you can log into Prime Video with your own account, right?

Do you both use the same card (one of you as authorized) or do you have separate credit cards?
Hoho for breakfast
Member
(01-11-2017, 09:37 PM)
Hoho for breakfast's Avatar
This is awesome for me. I'm so used to 3%. I just had to go to manage payment options and verify my card number and now I get 5% back.
Speevy
Banned
(01-11-2017, 09:39 PM)
Speevy's Avatar
Oh fuck right off. I want the $70 bonus. I've been a member for ages and have put thousands on this card.
TurboButts
Member
(01-11-2017, 09:43 PM)
TurboButts's Avatar

Originally Posted by dallow_bg

You always earn points.
You just use the points to create a statement credit rather than using it for a discount on Amazon.

Huh, that option never dawned on me. How do I do this exactly? I'm not seeing an option on Chase's website to pay my balance with points.

Edit: Nevermind, I'm blind. Under "Amazon Rewards" on your account page click See Balance > Redeem > Redeem Rewards > Cash Back (in case others weren't aware)
Ashhong
Member
(01-11-2017, 09:43 PM)
Ashhong's Avatar

Originally Posted by Zoe

Do you have Prime Video under your own account or do you have to sign in with the main account?

I have to sign onto the main account if I want Prime Video. So then am I also ineligible for this upgrade?

Originally Posted by Meier

For reference, my wife is the one who pays for our Prime account but I'm listed as a family member. I got the upgrade applied to my card/account.

Family member or family member account? Like do you and your wife share the same login?
Azar
Member
(01-11-2017, 09:46 PM)
Azar's Avatar
Dang, I'm still on the 3% Amazon Rewards Visa Signature. Maybe I can move that over to a Prime card.

Thread Tools