Chase Bank 3% Amazon Cashback

masonic

Sensory said:

More specifically:

You’ll earn 3% cashback when you use the Chase card to make purchases at Amazon in the UK, through the Amazon.co.uk website or through the Amazon.co.uk app (including digital downloads, Amazon Prime subscriptions, and items sold by third-party merchants through Amazon.co.uk’s marketplace).

Their records displaying Amazon instead of Curve helps your case in the event of a dispute.

In the strictest interpretation of that condition, almost no purchases would qualify because people will not be using the card to make the purchases, rather they will be using the virtual card details from the Chase App which are different than the physical card details. Only those visiting one of the handful of physical stores and making a payment by Chip&PIN or contactless can be said to have used their Chase card. This makes it even more indefensible to refuse any transaction that was made by a linked virtual card and entered onto the statement as a direct charge to the Chase card (in the absence of an explicit exclusion in the T&Cs).

MrFrugalFever

I had a curve card and my understanding was that Curve front the connected card and therefore effectively manage the transaction, treating it as a commercial MasterCard debit transaction regardless of the linked card behind it. Thus, Curve is essentially using its own merchant code to satisfy the purchase but immediately claiming it from the underlying card, with the relevant transaction data (crv*Amazon) etc. All transactions are linked to a central processing hub for curve which seems to be London, so regardless of where the purchase has been made it obviously goes through a channel first before charging your Chase card. 

I see no reason as to why you couldn’t gain cash back from it as surely it is no different to any other underlying cashback card? Perhaps one to query with Curve if not seen returns?

also, don’t amazon charge at point of dispatch rather than order?

masonic

MrFrugalFever said:

I had a curve card and my understanding was that Curve front the connected card and therefore effectively manage the transaction, treating it as a commercial MasterCard debit transaction regardless of the linked card behind it. Thus, Curve is essentially using its own merchant code to satisfy the purchase but immediately claiming it from the underlying card, with the relevant transaction data (crv*Amazon) etc. All transactions are linked to a central processing hub for curve which seems to be London, so regardless of where the purchase has been made it obviously goes through a channel first before charging your Chase card. 

I see no reason as to why you couldn’t gain cash back from it as surely it is no different to any other underlying cashback card? Perhaps one to query with Curve if not seen returns?

The only difference here (for the extra 2%) is that it is tied to purchases made from a specific merchant. If the merchant code is not Amazon's, then that could cause the purchase to be ineligible, but according to the statements Amazon is the merchant (not crv*Amazon). Perhaps that signifies Chase is regarding any recognisable merchant purchases coming through Curve as being attributed to the original merchant.

MrFrugalFever said:

also, don’t amazon charge at point of dispatch rather than order?

This is covered in the offer T&Cs. Provided the transaction is initiated within the offer window and pre-authorisation does not expire before the charge is made then the transaction will qualify for the offer. This is not something the customer can predict or control if there are shipping delays. If Curve does not pass through these preauthorisations, then that could cause a transaction placed prior to expiry of the offer to be ineligible if the item is not dispatched until after the end of the offer period.

Daliah

Sensory said:

Their records displaying Amazon instead of Curve helps your case in the event of a dispute.

Not sure what point you are trying to make, All my Amazon purchases made with the Curve-fronted Chase debit card show as Amazon in my Chase transaction list and statements. See my earlier screenshot.

Daliah

MrFrugalFever said:

.... with the relevant transaction data (crv*Amazon) etc.....

Chase does not show Curve-fronted payments as crv*Amazon. They just show it as Amazon. Same for Boots, Lidl, John Lewis, BUPA etc. See my earlier post with the screenshots.

Sensory

Daliah said:

Sensory said:

Their records displaying Amazon instead of Curve helps your case in the event of a dispute.

Not sure what point you are trying to make, All my Amazon purchases made with the Curve-fronted Chase debit card show as Amazon in my Chase transaction list and statements. See my earlier screenshot.

Yes, your screenshots were not ignored (hence the term "helps" instead of "would help"), but I didn't see the need to quote two consecutive posts.

wiseonesomeofthetime

Chase Support have confirmed "you would not get the 3% through Curve, the purchase has to be solely through using your Chase card."

emmajones1976

Christ, if only someone had done that a few pages back and saved the inane chatter

RG2015

emmajones1976 said:

Christ, if only someone had done that a few pages back and saved the inane chatter

You think?

cx6

I refer you to the post by @gt94sss2 immediately after the post where the question was asked m'lud