Amazon credit cards are issued by Chase Bank, not by Amazon itself
The Amazon Visa card is a product of Chase Bank, one of the largest credit card issuers in the United States. Amazon does not issue its own credit cards — instead, it partners with Chase to offer the card to customers. This matters because Chase sets the terms, handles billing, manages your account, and decides whether to approve you. When you call about your card, you are calling Chase, not Amazon.
There are actually two versions of the Amazon credit card, and both come from Chase. The standard version is the Amazon Visa, and there is also a business version called the Amazon Business Prime Visa. Both cards earn cash back on Amazon purchases and other spending, but the business card has different rewards rates and is meant for business owners with an EIN.
Key Takeaways
- Chase Bank issues and manages the Amazon Visa card, handles your account, and processes payments.
- Amazon does not issue the card itself, though it benefits when you use it to shop on Amazon.
- You contact Chase customer service for billing questions, disputes, or account changes — not Amazon.
- The business version, Amazon Business Prime Visa, is also issued by Chase and requires an EIN to open.
- Chase sets the interest rate, credit limit, and approval decision, though Amazon's partnership influences the rewards structure.
How to contact Chase about your Amazon card
Call Chase at the number on the back of your card. This is the fastest way to reach the right department for billing questions, fraud reports, or account changes. You can also log into your account at chase.com to view statements, make payments, or update your address.
If you need to report a lost or stolen card, call the number on the back immediately. Chase has a 24-hour fraud line. Do not call Amazon — they cannot cancel your card or dispute charges because they do not manage the account.
What happens when you apply for the Amazon card
When you apply for the Amazon Visa, you are applying to Chase, not Amazon. Chase runs a credit check, reviews your credit history, and decides whether to approve you. Amazon's website may host the application, but the decision comes from Chase's underwriting team.
If you are denied, Chase will send you a letter explaining the reason — usually related to credit score, income, or credit history. You can contact Chase to ask for more details. Some people reapply after a few months if they have improved their credit score or paid down debt.
The difference between Amazon and Chase in this partnership
Amazon benefits from the partnership because cardholders spend more on Amazon when they earn cash back. Chase benefits because it collects interest from cardholders who carry a balance and earns a fee from Amazon each time the card is used. You benefit from the rewards — typically 3% cash back on Amazon purchases and 2% at gas stations and restaurants, though the exact rates change.
This is a common arrangement in the credit card industry. Many retailers partner with banks to offer branded cards. The bank always issues and manages the card; the retailer provides the brand and the incentive to use it.
Where to find your card's terms and conditions
Your card's official terms come from Chase, not Amazon. You can find them on chase.com or request a copy by calling the number on the back of your card. The terms cover your interest rate (APR), annual fee (the Amazon Visa has no annual fee), how cash back is calculated, and what happens if you miss a payment.
Amazon's website may describe the rewards, but Chase's terms are the legal agreement you are bound by. If there is a conflict between what Amazon says and what Chase says, Chase's terms control.
What to do if you have a problem with your card
Contact Chase first. If you have a billing error, a fraudulent charge, or a question about your interest rate, Chase handles it. If you have a problem with an Amazon purchase itself — like a defective item or a refund — contact Amazon, not Chase.
If Chase denies a dispute or you disagree with their decision, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov. The CFPB investigates complaints about credit card companies and can force them to correct errors.
Frequently Asked Questions
Can I use the Amazon credit card outside of Amazon?
Yes. The Amazon Visa is a standard Visa card that works anywhere Visa is accepted. You earn lower cash back rates outside Amazon — typically 1% on most purchases — but you can use it at any store, restaurant, or online retailer.
What if I want to close my Amazon credit card account?
Call Chase at the number on the back of your card and ask to close the account. Make sure you have paid off any balance first. Chase will confirm the closure and send you a written confirmation. Closing the account may affect your credit score slightly because it reduces your available credit.
Does Amazon see my credit card transactions?
Amazon sees transactions you make on Amazon.com because you are shopping there. Amazon does not see your transactions at other stores or restaurants. Chase sees all your transactions because they process the card, but they do not share that information with Amazon beyond what is needed to process your purchase.
Is there a business version of the Amazon credit card?
Yes, the Amazon Business Prime Visa is issued by Chase and designed for business owners. It requires an EIN and a business account. The rewards rates and terms differ from the personal card. You apply through Amazon Business, but Chase makes the approval decision.
What if I have a dispute with a charge on my Amazon card?
Contact Chase, not Amazon. Explain the charge and why you dispute it. Chase will investigate and either reverse the charge or explain why it is valid. If you disagree with Chase's decision, you can file a complaint with the CFPB.