The Amazon Visa (Chase) is a personal credit card from Amazon Visa (Chase). Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 18.74%–27.49% variable APR after a 0% introductory rate for 6 months. Approval typically requires a credit score of 700+ or higher. Signup bonus: $150 Amazon Gift Card. Rewards: Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% back on all other purchases.. Cash back: 3% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% back on all other purchases.. This product reports activity to your personal credit report. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Chase 5/24: Chase will not approve any new card application — personal or business — if you have opened 5 or more credit cards from any issuer in the past 24 months. Business cards from Chase, Amex, and Capital One generally do NOT count toward the 5/24 total because they don't report to personal bureaus.. [SOFT PULL ONLY] | Foreign Txn Fee: $0. Pre-qualification available (soft pull). BT Fee: Not a balance transfer card. Post-intro APR: ~19.49% – 29.99% variable Bureau pull varies by state (see details). | EXPERT REFERENCE (Jan 2026): Chase is implementing 'pop-up jail' on Sapphire cards, where applicants may not be eligible for bonuses based on their history. | EXPERT REFERENCE (Jan 2026): Chase is replacing the 'every 48 months' rule with lifetime-style language for Sapphire welcome offers. | EXPERT REFERENCE (Jan 2026): Chase is enforcing stricter rules on Ink business cards, making it harder to get approved for multiple cards. | EXPERT REFERENCE (Jan 2026): Chase is adding perks that require spending $75,000+ a year on a card to unlock certain benefits. | EXPERT REFERENCE (Jul 2025): Jemel increased his credit limit from $3,000 to $5,000 on his Chase Freedom card without a hard pull. | EXPERT REFERENCE (Jul 2025): Jemel's FICO score improved from 590 to 722 over 14 months. | EXPERT REFERENCE (Apr 2025): Two denials came from applicants with FICO scores of 789 and 794. | EXPERT REFERENCE (Apr 2025): Both denials occurred after receiving pre-approval or mailer offers. | EXPERT REFERENCE (Apr 2025): $36K/year business approved for $11K, $300K/year business approved for $15K, $135K and $85K/year businesses denied. | EXPERT REFERENCE (Apr 2025): 0/4 applicants were asked for tax returns, pay stubs, or business bank statements. | EXPERT REFERENCE (Apr 2025): Both denials were for the INK Business Preferred. | EXPERT REFERENCE (Apr 2025): Highest limit approval ($15K) went to a self-employed LLC. | EXPERT REFERENCE (Apr 2025): Denied: 19% usage, 5–7 inquiries; Highest approval: 56% usage, 8 inquiries. | EXPERT REFERENCE (Apr 2025): PA → TransUnion (in-branch); Oregon & Arizona → Experian (online). | EXPERT REFERENCE (Apr 2025): Both approved applicants were not instantly approved; one got a decision after a few hours, the other in 2 days.