Amazon Secured Store Credit Card
- Annual fee
- None
- Recommended credit
- Poor / No Credit Required
- Regular purchase APR
- 10.00% Late Payment Penalty Fee: Up to $5 Minimum Deposit Required: $100
At a glance
The Amazon Secured Store Credit Card is a secured retail credit card from Synchrony and Amazon. The card, which requires a $100 minimum deposit, features 2% cash back on purchase, a great fixed APR on purchases, and no annual fee. Successful accountholders might be able to upgrade to the unsecured Amazon Store Card in as little as one year.
Our review of the Amazon Secured Store Credit Card
If you’re an Amazon Prime member looking to build credit and earn cash back on Amazon purchases, the Amazon Secured Credit Card could be the right choice for you. This credit builder retail card offers 2% back on Amazon purchases, making it a great option for those with bad or no credit history.
Build Credit on Amazon Purchases
Amazon offers a range of credit card options, including the Amazon Prime Store Card Credit Builder designed for those looking to improve their credit score. With a $100 initial deposit and the opportunity to earn 2% cash back on Amazon purchases, this card provides a path to credit growth and potentially transitioning to an unsecured Amazon Prime Store Card.
Get Your Deposit Back
The Amazon Secured Card requires a security deposit, but with responsible use and timely payments, you can get your deposit back. Making 12 consecutive on-time payments could lead to the return of your deposit and a switch to an unsecured card.
Special Promotional Savings and Financing
Cardholders can enjoy a fixed APR of 10% on purchases, along with 10% savings on select Prime purchases. Additionally, the card offers promotional financing options, including “Pay In Equal Amounts” or 0% APR for various purchase amounts.
Credit Building Features
The Amazon Secured Store Card provides credit-building tools, such as access to TransUnion CreditView™ Dashboard, to help track your credit score and progress towards an unsecured card.
Should You Apply for the Amazon Secured Store Card?
The Amazon Prime Store Card Credit Builder card offers unique benefits, like cash back on Amazon purchases, deferred interest payments, and special financing options. While it may not be suitable for all consumers due to its limited usability to Amazon.com, it provides a quicker path to an unsecured store credit card for those looking to improve their credit.
Overall, the Amazon Secured Store Credit Card is a valuable option for Amazon Prime members seeking to build credit and earn rewards on their purchases. Consider your spending habits and credit goals to determine if this card is the right fit for you.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- Earn 2% cash back at Amazon.com and Amazon physical stores
- Chance to get your security deposit returned after as little as 12 months
Who this card may suit
- You shop with Amazon frequently
- You have an active Amazon Prime membership
- You want to build credit while earning 2% back on purchases
- You do't want to pay an annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 10.00% Late Payment Penalty Fee: Up to $5 Minimum Deposit Required: $100 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Poor Credit Limited or No Credit.
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Amazon Secured Store Credit Card
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