Anyone have experience with Amazon credit cards?

Chronis

Chronis

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Thinking about building up some credit, and since Amazon always has the adds for their cards on the site, I'm wondering how good they are. Anybody have them? Any problems? Hidden secrets? What about the benefits?

Hell, if anybody else has any suggestions for cards, I'm all ears.
 
I've had one for a couple of years, and if you buy lots of items from Amazon and pay off your card every month, it's a nice card to have for the 3% kickback towards Amazon gift cards.

APR isn't great, though most cards have jacked-up APRs these days. Chase customer service is pretty good from the times I've dealt with them. Chase website is okay, nothing great, though pending charges on your account aren't visible as a specific purchase until it posts to your account.
 
I have a Chase card through Amazon and it's pretty useful. I use it as my default checkout card for my account and get 3% rewards for any actual Amazon purchase. My rate isn't to bad, but that depends on your credit score. You can also pay online or through any Chase bank. All in all if you buy alot of things through amazon it could be worth it.
 
I've had the Amazon Visa for a few years.

I've never had any issues and love the rewards. I usually go with $25 gift cards for 2500 points, though lately I've been opting for $50 checks for 5000 points.

I put everything on it and pay it off in full each month. Customer service was great the couple of times I've had fraudulent charges (once from a hacked website compromising my number, other time lost my card in a robbery and it got used a couple times in the hour or so before I could call and cancel).
 
I recommend it, I've had mine for 2 years, I use it as my primary card to buy everything, and I mean everything, i pretend its my debit card :p, and then i pay it off at the end of each month, so not once have i paid any interest. Best way to get free rewards :D
 
Yeah, it's much better to use a CC than a debit card/visa check card. Reason being if you do get fraudulent charges with a debit card the money is gone from your checking account for a while. Where as with a CC you just dispute the charges and never pay them.

Much safer to use a CC for purchases and your debit card only at ATMs. Of course assuming you're fiscally responsible and always pay it off in full each month and thus never pay interest.
 
As an FYI, I applied for an Amazon Visa card as my first CC and got rejected, likely due to no credit history. I applied to my local bank and got a Visa card with good rewards and a good credit limit for a first-timer. If you have trouble getting a credit card, go to your local bank where you already have a deposit history.
 
I've got one, not much to tell beyond whats already been said. Never had any problems with it but I pay my card off every month, the rewards are nice as if I stick things like my rent on there I can score a $25 Amazon GC every 1-2 months.
 
I have one and I went to Citi now. You get more options for rewards and better points. I would check into one from them.
 
I used mine for a couple of years now. What I do is save up the gift certificates at the end of the year and use them to buy Xmas presents. That way, I don't go into debt.

Oh and if there is anything left over, I use it for myself.

Like all credit cards, they are only good if you pay off the balance every month. If you can't do that, don't go for the Amazon Visa card.
 
APR is moot if you pay it in full each month. No one should ever carry a balance on a credit card and pay interest. Just find one that has a rewards program that best suits you and pay it off in full.

Amazon is great for me as I buy a ton from them, have a Kindle and buy a lot of ebooks, have Prime and order most movies, games cds etc. I get from them. Others may be better off with a pure cash back card, or frequent flyer miles if they travel a ton etc.

Also, I think the APR on it varies by your credit score, time with them etc. I have their platinum card my APR is current 13.24%. Not great, but not awful. But again moot as I've not paid a dime of interest on a credit card ever.
 
I recently picked up an Amazon Visa. Citibank just killed most of the cashback benefits on my Mastercard, so I switched over to the Amazon for the 3% (I do LOTS of shopping on Amazon). As long as you pay everything off, don't pay any attention to the APR.

That being said, I still use my cashback AMEX for most purchases, and my Costco AMEX for eating out. The trick is to find cards with cashback, and not simply airline points or whatever--if you do the math, they all work out to be the same value, but I'd much rather have cash than a plan ticket worth the same amount.

I probably have too many credit cards at this point (4 that I actually use), but as long as they get paid off every month, I'm fine.
 
FYI, if you can get the Platinum Amazon Visa you can pick different rewards other than just Amazon GCs.

One option is $50 cash (comes in a check) for 5000 points. So same point to $ value as Amazon GCs, just have to save up twice as many points before redeeming. I also get double points on things like Dining and Gas (I think those are the two) which you don't get with the regular Amazon visa--on top of still getting triple points on amazon.com purchases.

I just got an offer to upgrade to Platinum a couple years back, so I'm not sure if it's something you can request or if you just have to wait to be offered after using the regular Amazon visa a lot.
 
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