Amazon provides three different credit cards tailored for shoppers and credit builders. These include Amazon credit card options, such as the Amazon Visa, Store Card, and Secured Card, each with its own specific uses.
Applying online is quick and comes with various benefits depending on your choice. This guide explains each option and helps you apply with confidence.
Types of Amazon Credit Cards
Amazon partners with Chase and Synchrony Bank to provide three different card options. Each card has specific features and benefits depending on your needs and credit profile.
Amazon Visa
This card is designed for shoppers who want flexibility and rewards across various spending categories. Issued by Chase, it can be used anywhere Visa is accepted, not just on Amazon.
Prime members earn 5% back on purchases from Amazon.com, Whole Foods, and Chase Travel. You also get 2% back at restaurants, gas stations, and on local transit.
For all other purchases, 1% cashback applies. The card has no annual fee or foreign transaction charges, and includes 24/7 Chase customer service support.
Amazon Store Card - Issued by Synchrony Bank
The Amazon Store Card is a suitable option for customers who frequently shop on Amazon.com. It can only be used on Amazon's platform but offers solid cashback and financing perks.
Prime members earn 5% back on eligible purchases every day. Cardholders also receive special promotional financing options for 6, 12, or 24 months.
There are no annual fees and exclusive deals are often available. The card is managed by Synchrony Bank and includes 24/7 customer service access.
Amazon Secured Card - Issued by Synchrony Bank
This card is designed to help individuals build or rebuild their credit history. It requires a refundable security deposit, which becomes your credit limit.
Prime members can earn 2% back at Amazon.com on eligible purchases. There is no annual fee, and users may qualify for upgrades after consistent on-time payments.
Like the Store Card, it also includes special financing promotions. It reports to major credit bureaus and is managed by Synchrony Bank.
Key Benefits and Rewards
Each Amazon credit card provides a unique mix of rewards and features. These benefits can help maximize your purchases if you shop frequently on Amazon.
Cashback Options
Cashback rates vary based on the card type and Prime membership. Prime users receive the highest return.
- Visa: Up to 5% on Amazon, 2% on dining and gas, 1% elsewhere
- Store Card: 5% back only at Amazon.com
- Secured Card: 2% back at Amazon.com
No Annual Fees
All Amazon cards charge no annual fee. This makes them accessible for everyday users and credit builders.
Flexible Financing
Store and Secured Cards offer promotional financing. Buyers can pay over 6, 12, or 24 months with eligible purchases.
Extra Promotions
Cardholders receive occasional bonus rewards. These can reach up to 15% on select items for Store and Secured Cards.
How to Apply Online?
Applying online for an Amazon credit card is simple and fast. You’ll need to provide personal information and follow verification steps.
Step 1: Choose Your Card
Decide which Amazon credit card best matches your financial goals. Consider whether you prefer a general-use Visa or a card limited to Amazon.com.
Step 2: Visit the Official Page
Go to Amazon’s credit card section and select the card you want to apply for. Click on the "Apply Now" button to start.
Step 3: Complete the Application Form
Enter your name, address, income, and Social Security number. You may be asked to verify your identity and agree to a credit check.
Step 4: Review and Submit
Review all terms, disclosures, and APR details. Submit your application and receive an instant or email response.
Step 5: Secured Card Deposit (If Needed)
If applying for the Secured Card, make a refundable security deposit. This deposit becomes your credit limit.
Interest Rates and Fees
Interest rates and fees are crucial factors to consider before applying for any credit card. Understanding how each Amazon credit card handles these charges will help you plan your payments and minimize extra costs.
Amazon Visa Interest and Fee Structure
The Amazon Visa issued by Chase offers competitive interest rates and fee terms. It applies a variable APR depending on your credit profile.
The rates typically range from 19.49% to 27.49%. There are no annual fees, which benefits everyday shoppers.
Also, no foreign transaction fees make it a strong option for international use. Cardholders should still pay their balances monthly to avoid interest charges.
Amazon Store Card APR and Charges
The Store Card comes with a higher APR but includes promotional financing options. Synchrony Bank sets the APR at a variable 29.99%.
It has no annual fee, making it accessible to frequent Amazon shoppers. Special financing for 6, 12, or 24 months can help manage large purchases.
However, deferred interest may apply if balances aren’t paid in full. Always read the fine print on promotional terms.
Amazon Secured Card Terms
This card is ideal for those with limited or poor credit history. The APR ranges from 10% to 30.74% depending on your credit profile.
Like the others, there is no annual fee, but a refundable deposit is required. This deposit sets your credit limit and is returned when the account is upgraded or closed responsibly.
You also get promotional rewards and financing options. Responsible use can help improve your credit over time.
Who Can Apply?
These cards are designed for different users, but there are general requirements. Make sure you qualify before starting the process.
General Requirements
Before you start applying, it's important to understand the basic eligibility criteria. These ensure that you're legally and financially able to own a credit card in the U.S.
- Must be 18 or older
- Must be a U.S. resident with a valid SSN or ITIN
- Must meet credit requirements (except for Secured Card)
Prime Membership Consideration
Prime membership directly affects the cashback and rewards you receive from Amazon credit cards. If you're a Prime member, you'll unlock the highest possible benefits for all three card types.
Without Prime, your cashback rates are significantly lower. Prime-exclusive promotions and financing are also included.
Membership can be added before or after applying. However, rewards will only activate fully once your Prime status is confirmed
Managing Your Amazon Card
After approval, managing your card online is easy. Use the Amazon or bank’s portal to view statements, rewards, and pay bills.
Amazon Visa
Manage through Chase’s online dashboard. Set alerts, track rewards, and access your FICO score.
Store and Secure Cards
Use the Synchrony Bank portal. Monitor transactions, manage payments, and track promotional financing.
Contact Information
It's important to know who to contact in case you have questions about your Amazon credit card. Each issuing bank has its own support channels to assist cardholders.
These services are available 24/7 to help with application issues, billing inquiries, or technical concerns. Be sure to contact the correct bank based on the type of Amazon card you have.
For Chase, call 1-888-247-4080. For Synchrony (Store or Secured Card), call 1-866-634-8379 or 1-855-597-4891, respectively.
Final Thoughts: Choose the Right Card and Apply with Confidence
Amazon offers three solid credit card choices with valuable benefits. Whether you're focused on rewards, building credit, or financing, there’s a card for you.
All cards have no annual fee and offer strong Amazon purchase incentives. Choose the one that fits your needs and apply online today.
Disclaimer: Credit approval depends on the issuing bank. Rates and terms may vary based on your creditworthiness and Prime membership status.
