Amazon credit cards are issued by Chase Bank, not Amazon itself
The Amazon Visa card is issued by Chase Bank, one of the largest credit card issuers in the United States. Amazon does not issue its own credit card — instead, it partners with Chase to handle the underwriting, account management, billing, and customer service. This matters because your card agreement, interest rates, and dispute resolution all fall under Chase's terms and policies, not Amazon's.
There are actually two main Amazon credit cards in circulation, and both are issued by Chase. The Amazon Prime Rewards Visa Signature Card is designed for Prime members, while the Amazon Rewards Visa Card is available to anyone. Both earn cash back on Amazon purchases and other spending, but the rewards rates and annual fees differ.
Knowing that Chase is the issuer is important when you need to contact someone about your account. If you have a billing question, want to dispute a charge, or need to report fraud, you will reach Chase customer service — not Amazon. Amazon handles the rewards program itself (deciding how many points you earn, how to redeem them), but Chase handles everything related to the card as a financial product.
Key Takeaways
- Chase Bank issues both the Amazon Prime Rewards Visa Signature Card and the Amazon Rewards Visa Card, not Amazon itself.
- Chase handles billing, customer service, fraud disputes, and interest rates, while Amazon manages the rewards program and redemption.
- Your card agreement and terms of service come from Chase, so you should review Chase's policies on APR, fees, and cardholder protections.
- When you call about account issues, you will reach Chase customer service, though you can also manage rewards through your Amazon account.
How the partnership between Amazon and Chase works
Amazon and Chase have a co-branded partnership where Amazon provides the brand, rewards structure, and customer base, while Chase provides the banking infrastructure and credit risk management. This is a common model — many retailers partner with major banks to issue their own-branded cards. Target uses Synchrony, Costco uses Citi, and Best Buy uses Citi as well.
The partnership means Amazon benefits from having a card that encourages repeat purchases, while Chase benefits from the volume of cardholders and the interest income from people who carry a balance. You benefit from rewards that are tied directly to Amazon purchases, but you are ultimately borrowing money from Chase, not from Amazon.
This structure also means that if you have a problem with an Amazon purchase itself — a damaged item, a return dispute, or a seller issue — that is handled by Amazon's customer service. But if you have a problem with the card itself — a fraudulent charge, a billing error, or a question about your interest rate — that goes to Chase.
What happens when you explore for an Amazon credit card
When you explore for an Amazon credit card, Chase runs a hard inquiry on your credit report and makes the decision about whether to approve you. Amazon does not make this decision — Chase does, based on your credit score, income, and credit history. Chase also sets the interest rate (APR) you receive, which can vary based on creditworthiness.
If you are approved, Chase opens the account and issues the physical card. The card itself carries the Visa logo and the Amazon branding, but it is a Chase product. Your monthly statement comes from Chase, your online account portal is managed by Chase, and your billing address and payment method are registered with Chase.
Amazon's role begins after the card is active — they track your purchases, calculate your rewards, and credit them to your account. But the underlying credit line, the interest you pay on a balance, and the terms of the card itself all come from Chase.
Where to find your card issuer information
If you already have an Amazon credit card and want to confirm the issuer, look at the back of your physical card. You will see "Chase Bank" or "JPMorgan Chase Bank" printed on it, usually near the customer service phone number. The card will also display the Visa logo and the Amazon branding.
Your monthly statement will also show Chase as the issuer. The statement header will say something like "Chase Bank, N.A." or "JPMorgan Chase Bank, N.A." and will include Chase's address and customer service number. If you log into your account online, you will be logging into Chase's portal, not Amazon's — though you can also view rewards and redemption options through your Amazon account.
Your card agreement and terms of service document will also clearly state that Chase is the issuer. This document outlines the APR, annual fee (if any), grace period, and other terms. You should review this when you first receive your card, because it governs how the card works, not Amazon's policies.
Why this matters for fraud, disputes, and account issues
Because Chase is the issuer, Chase is the entity responsible for protecting you under federal credit card laws. If someone fraudulently uses your card number, you report it to Chase, not Amazon. Chase has the legal obligation to investigate and typically limits your liability to $50 (and often to $0 if you report it quickly).
If you dispute a charge — say you were overcharged or a merchant billed you twice — you file the dispute with Chase. Chase investigates and either reverses the charge or upholds it. This is different from disputing an Amazon purchase itself, which you would handle through Amazon's return or A-to-Z may provide process.
If you have a question about your interest rate, your credit limit, or your account status, you contact Chase. If you have a question about how many rewards points you earned on a specific purchase, or how to redeem your points, you can contact either Chase or Amazon, but Amazon's rewards team may be faster.
The difference between the two Amazon credit cards
Both Amazon credit cards are issued by Chase, but they have different features and rewards structures. The Amazon Prime Rewards Visa Signature Card requires an active Prime membership and offers higher cash back rates on Amazon purchases (typically 5% for Prime members, 2% for non-members). It also includes benefits like extended warranty and purchase protection.
The Amazon Rewards Visa Card is available to anyone, regardless of Prime membership, and offers a flat 3% cash back on Amazon purchases and 1% on everything else. It does not have an annual fee, while the Prime card may have one depending on the current offer.
Both cards are Visa Signature cards, which means they come with certain protections and benefits like fraud liability protection and travel insurance. Both are issued by Chase and both use Chase's customer service and billing systems. The main difference is the rewards rate and the Prime membership requirement.
How to contact Chase about your Amazon credit card
The back of your Amazon credit card has a Chase customer service number. You can call this number to report fraud, ask about your balance, make a payment, or discuss your account. You can also log into your account at Chase's website or through the Chase mobile app to view your statement, make payments, and manage your account settings.
If you want to discuss your rewards or redemption options, you can contact Chase, but you may also find it faster to log into your Amazon account and manage your rewards there. Amazon's rewards portal shows your balance and redemption options, and you can transfer points to your Amazon account balance or use them for other redemption options depending on what is available.
For questions about a specific Amazon purchase — a return, a refund, or a seller dispute — contact Amazon directly, not Chase. Amazon handles the transaction itself, while Chase handles the payment method and credit line.
Frequently Asked Questions
Can I use my Amazon credit card anywhere, or just on Amazon?
You can use your Amazon credit card anywhere that accepts Visa, not just on Amazon. However, the rewards rate is highest on Amazon purchases (5% for Prime members on the Prime card, 3% on the standard card). On non-Amazon purchases, the rate is lower (typically 1% or 2% depending on the card). Check your card's terms for the exact rates on different categories.
Who do I call if my Amazon credit card is lost or stolen?
Call the customer service number on the back of your card (or on your statement) to reach Chase. Chase will deactivate the card when ready and can issue a replacement. The number is on your statement and in your online account. Report it as soon as you notice it is missing to limit your liability for fraudulent charges.
Does Amazon credit card approval affect my credit score?
Yes, explore for an Amazon credit card results in a hard inquiry on your credit report, which can temporarily lower your score by a few points. If you are approved, the new account will also affect your score. However, the impact is usually small and temporary. Your score typically recovers within a few months as you use the card responsibly.
What if I have a problem with an Amazon purchase made on my credit card?
Contact Amazon first, not Chase. Amazon handles returns, refunds, and seller disputes through its own customer service system. If Amazon does not resolve the issue and you want to dispute the charge with your credit card company, then contact Chase. But start with Amazon, because they can often resolve it faster.
Can I transfer my Amazon credit card balance to another card?
Yes, you can request a balance transfer from Chase, just like with any other Chase credit card. Balance transfers typically come with a fee (usually 3% to 5% of the amount transferred) and a promotional interest rate for a limited time. Contact Chase to ask about current balance transfer offers and terms.