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by TylerE 972 days ago
I don't believe so. The actual card is managed by Chase, payments go through the Chase website, etc. Amazon just links to it and updates your reward balance nightly.
2 comments

Note that it's better if you don't apply rewards points at checkout - instead, get a payout to your bank account via the Chase reward redemption portal in the app. If you have $100 in rewards points, and use them in checkout, that $100 doesn't hit your card and you don't get the 5% cashback on that $100.
Technically you don't even need to loop through the bank account, you can also do statement credit. It doesn't count against your minimum payment, but it does count as a credit/payment towards the statement balance.

But yes, always charge the full amount and then handle rewards at a lower layer, never "pay with points".

Isn't this optimizing for 5% of 5%? e.g. 1/400?
Sure, to get $100 in rewards you'd need to have spent $2,000. It's not life-changing but $5 is still something, and I imagine Chase/Amazon save >1 million a year from people not doing this.
It sounds like you're guessing here...
Anyone without access to the entire source code of Amazon is.