Sorry if this is a repost. I did a search and couldn't find a similar thread.

I received a letter from Chase stating that starting 5/1/2023:

• 2% cashback at drug stores will be discontinued

• Purchases made through Chase Travel with eligible Prime membership will be added as a new 5% cashback category

• Local transit and commuting, including rideshares, will be added as a new 2% cashback category

Of course, 2% back on restaurants and gas is not going anywhere.

As someone who doesn't fly often and only has Amex Gold and Cap 1 Venture as my travel cards, I thought this was a nice change until I found out on Chase Travel that it's not available to me due to me not having a UR card.

So this doesn't sound entertaining at all. Why would I book travels with an Amazon Prime card if I already have a UR card?

I called card member services who transferred me to the travel department who then transferred me back to card member services who then transferred me to the benefits department who told me to contact card member services. But after an hour here's what I was able to confirm:

• If you have the Amazon Prime card but not any UR card, you can only call Chase Travel to make a booking and earn the 5%.

So, "through Chase Travel" but not really through the Chase Travel website. Not sure how I feel about that lol.

I'm ordering flights, but have to order directly through the carriers when I do (call ie jet blue directly). We mostly use jetblue, southwest, and united, occassionally spirit. So, some day I need to get a proper travel card, for now rewards are minimal/nonexistant. Other cards are fidelity 2%, amex bce, and an old quicksilver and discover, my starter cards.

I think chase has better protections, but is savor one similar? Would rather build credit history with capital one. But ie in case I had to rebook a flight in the event of a cancellation, would be good to go with whatever card will reimburse.

I am thinking of getting the Amazon Prime Visa Signature Card. My credit score is 715 and I already have an Amazon membership. I pay my cards off every month, but I only have 5 years of credit history.

Worries due to the following comments on the Amazon website reviews:

"Predatory interest rate," which I usually ignore bc I never let mine acrue any interest, but this one said that they charged interest beginning the day it was purchased rather than at the end of the period. And that if it wasn't paid in whole the entire amount accrued interest including parts already paid off. Random cancellations after already receiving the card... wish I could post screenshots there were a lot of crazy accusations against chase and I've never banked with them before.

I have a Chase card for years but forgot about its benefits. While shopping at Amazon they had a pop-up to remind me to make it the default one.

On the app it says: “Earn unlimited 5% back at Amazon.com, including Amazon Fresh, Prime Video, Kindle Unlimited and Whole Foods Market with an eligible Prime membership”

I fly often enough that I've been interested in getting a travel credit card with low annual fee (6-8 domestic trips per year), but I already have the Chase Amazon Visa which gets me 5% back on all hotel/airline/car rental through the Chase portal. I've found myself locked into the idea that I need a travel credit card, but what am I really getting with a travel credit card that I'm not already getting?

The Chase Sapphire Preferred makes the most sense for me since I can pay the card in the same portal as my other Chase card, but since I've never had a travel card I don't know what exactly "2x" this and "3x" that really amounts to. Can someone let me know if I am missing out on something here?

Looking for suggestions on a card (or two) for my use case. Currently I have the Chase Amazon Prime card but was wondering if the CSR or CSP card might be a good option for me.

Family of 4 that travels 4x domestically spending about $10k a year on flights. We usually stay with friends when traveling so hotel perks are not really needed.

I travel for business every other month but I must use my corporate card. It would be nice to have some lounge access but I usually spend as little time in the airport as possible.

Normal credit card bill is <$4k/mo. Expenses are mostly

$1k Groceries (Costco, Trader Joe’s, Whole Foods)

$1k Online Shopping (Amazon and various websites)

$500 Restaurants/Takeout

$500-1k Misc

$0 Gas (EV owner)

I normally use my chase freedom, sapphire or Citi costco card to make all my purchases. But I saw an ad on amazon that the credit card they offer gives you 5% off all purchases is it worth it? I normally don’t keep a balance on my credit cards and pay them off before the end of the month so APR isn’t an issue for me.

Title essentially says it.

Background: There is a limited time offer with a $200 Amazon Giftcard due to Amazon Prime day. I only have quarterly rotating CCs (eg. CFF, Discover) that sometimes earn 5% back on my Amazon purchases. Since I purchase around 200-300$ per month on Amazon, getting a constant 5% rate back would be interesting.

However, I would love to have the flexibility of UR points for redemption.

Does anybody know about that?

So ive been considering the Amazon CC since i do so many purchases in a year on amazon. Do any of you have / use it? I currently have Amex gold, Amex Blue cash, Amex adelta and Chase reserve. Is it worth it if you spend around 5-10k a year on amazon?

The quick hits from their marketing page are…

• 5% at WF, Prime, and Chase Travel

• 2% at restaurants and transit

• No annual fee

• No international fees.

I wouldn’t carry a balance and would only use this for the rewards. But it’s not got the best (crowdsourced) reviews.

If I already have (+ shop) Amazon Prime and shop at Whole Foods for groceries most of the time, is there a catch in not seeing?

Hey everyone,

I've been debating what card to get next, and I'm currently a bit torn between the Amazon Prime Visa and the Chase Freedom Unlimited. I'm interested in and leaning towards the Prime Visa since I've been a Prime member for some years now and shop on there at least 1-2 times a month (more than that during the holidays). I feel like I've been leaving a lot of money on the table by not having this card in my wallet, but it sucks that it's cashback only. On the other hand, I've been looking at the Freedom Unlimited since I don't have a catch-all card for everyday spending. I would like to complete the Chase Trifecta since I like their ecosystem (already have the CSP and CFF) and earning points for travel.

I'm now 2/24 after getting approved for Bilt and CFF back in March of this year, and my credit score is 753 (Experian). I tried using Chase's pre-approval tool, and weirdly enough, the CFU didn't show up for me, but nearly every other Chase card did, so I'm a little concerned about my chances of approval for it if I were to go down that road. The goal is to have both of these cards in my wallet at some point, but I would love to know which of these two you think I'm better off getting next. Thanks in advance!

Around 10% of my total 2024 spend was on Amazon purchases…might be a no brainer but thoughts on getting an Amazon CC for those purchases if I’m expecting similar spending going forward?

Chase bank's Amazon Visa credit card looks really good for a person like me who buys from Amazon from time to time, but does not have a Prime membership, and who likes to travel internationally every few years.

The card has no annual fee, no foreign transaction fees, a one-time $50 Amazon gift card bonus, 3% back at Amazon.com, 2% back at gas stations, restaurants, and on local transit and commuting, and 1% back on all other purchases, with a variable APR of 19.49%–27.49%, which is high, but typical of all Chase's credit cards.

Am I correct in thinking this is a good deal?

Is there a catch I am missing?

I use Amazon but I wouldn’t call myself someone who uses it everyday. Am a casual spender and when I buy I spend more than 50 dollars on my orders. I had this before but never used it since I had the card since 1 year ago . I haven’t used the card the moment it came in the mail. Recently I got a new card with 28 BENEFITS and no annual fees? Sounds amazing but am a bit skeptical. Can someone confirm if this card is trustworthy?

I'm just a bit curious because I've been traveling and nomading for a long time and have used Chase Sapphire and now Venture X for travel points and lounge access.

I'm thinking about switching to a new one maybe with better travel insurance if possible.

Which card is worth it?

If you could pick your card based on lounge access? Travel insurance? Points? Rental coverage?

Thanks for the suggestions.

CREDIT PROFILE

Current credit cards you are the primary account holder of:

Discover IT Student Cash Back - $2800 limit, 4/2023

Chase Freedom Flex - $6300 limit, 04/2025

AmEx Blue Cash Everyday - $3000 limit, 11/2025

Credit Score - 735 (Discover Credit ScoreCard)

Oldest credit card account age with you as primary name on the account: Discover, 2yr, 8 mo

Number of personal credit cards approved for in the past...

6 months: 1

12 months: 2

24 months: 3

Annual Income : $35000/yr

CATEGORIES

• OK with category-specific cards?: YES

• OK with rotating category cards?: YES

• Monthly Spend Average

• Dining $375

• Groceries $150

• Gas $0

• Travel - will likely total $6000-8000 next year ($1000 on airfare, $2500 on lodging, $2000 misc. trip spend on shopping, dining, entertainment)

• Extended Travel - Yes: Europe for 3-4 weeks 04/2026, 5 days in NYC 2/2026

• Any other categories: Amazon $200/mo, Costco/Sam's $75/mo, Parking+transit $25/mo, misc. online shopping $200

• Can you pay rent by credit card? : No

MEMBERSHIPS & SUBSCRIPTIONS

• Access to Sam's Club and Costco (I don't pay for it)

• Amazon Prime Student Subscription (Free trial now, $7.49/mo in January)

• Peacock Student Subscription ($2.99/mo)

• Nespresso Coffee Pod Subscription ($24/mo avg)

• Apps, storage subscriptions ($10/mo avg)

• Current member of Chase, US Bank or any other big bank?: Chase, American Express

PURPOSE

I need a Visa or Mastercard w/ no FTF. Travel rewards would also be nice. I'm 19 (soon to be 20) in college full time (and working quite a bit, too) with an avg 5-15% utilization across my cards. I'm taking a gap semester and traveling to NYC in February for 5 days, and several countries across Europe in April.

I have no preference for hotel or airline for rewards- I live in the midwest where the "closest" international airports are MSP and ORD (access to Delta, United, American hubs)

One caveat - I'm starting a 12mo accelerated nursing program over the summer and won't be able to travel for the duration of the program, and will have reduced expenses during that period.

I've looked at the Chase Sapphire Preferred, but I'm not quite sure if the AF will bring much value outside of my big trip. Additionally, the SUB is steep for my spending habits but I would be able to reach it by having my parents use it and reimbursing me.

I’ve been a prime member for a long time, definitely use it often. Right now they’re offering $200 gift card into account as offer. Is this card a no brainer and definitely worth having for an Amazon prime member? Also I do have another Chase credit card already so would I just sing into my chase account to pay the card and I’ll see both my credit cards? Does my other chase cash back card and this cash back card all stack or do I have to transfer the points from Amazon to chase then redeem cash back? Thank you.

I’m new to this. We use Amazon for nearly all shopping. When I saw that Amazon gives 5% back on all Amazon purchases as long you have a prime account I got the card. I assume 5% cash back is better than whatever I would get on Csr. Now I’m confused - Amazon card also gives 2% on restaurants and gas, and 1% on “anything”. I plan to travel next year.should I stick w all spending on Csr except Amazon?