If you let them linger on your card, then the interest you'll pay will wipe out anything you would have gained from rewards on your card. The Amazon Rewards Visa Card offers 3% back on purchases; 2% back at gas stations, restaurants and drugstores; and 1% back on all other purchases.
The Amazon Store Card offers 5% back on purchases if you’re a Prime member but no rewards if you’re not.
Unfortunately there is no other way to upgrade, because the store card is issued by Synchrony Bank and the Rewards VISA is issued by Chase, so each issuer has their own criteria they use to grant approval. Please let us know if you have any other questions.
Yes, it is an actual credit card and it will help you improve your credit if used responsibly.
It reminds me of the “good ol’ days” back in the late 90’s/early 00’s when I used to go into chat rooms similar to this on dial-up internet!