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Amazon Store Credit Card card

Amazon Store Credit Card

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Fair / Good
Regular purchase APR
29.99% variable based on the Prime Rate Late Payment Penalty Fee: Up to $40
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

Our review of the Amazon Store Credit Card

Are you considering the Amazon Store Credit Card? This closed-loop retail card from Synchrony and Amazon.com offers exclusive benefits for Amazon and eligible Amazon brand purchases. Find out more about the welcome bonus, lower credit requirements, rewards, and promo financing options available with this card.

Welcome Bonus

Upon approval of the Amazon Store Credit Card, you’ll receive an Amazon gift card as a welcome bonus, similar to the Chase Amazon credit cards.

Lower Credit and Usability Thresholds

Compared to the Chase Prime Visa, the Amazon Store Card offers lower credit requirements but limited usability. While the Chase Visa cards are open-looped, allowing you to use them anywhere Visa is accepted, the Amazon Store Card is restricted to Amazon and select Amazon subsidiary purchases. However, cardholders can use it at Amazon.com, Audible, comixology.com, and more.

Rewards or Promo Financing

Cardholders can earn cash back rewards on Amazon and Amazon-owned businesses, with higher rates for Prime members. Alternatively, you can choose promotional financing for eligible purchases, offering 0% APR for specific months and purchase amounts.

Amazon Store Credit Card & Visa Comparison

Compare the Amazon Store Card with its secured card version and the Chase Amazon Visa to see which option best suits your needs in terms of rewards, promotional financing, and credit requirements.

How to Redeem Cash Back

Cash back rewards are added to your Amazon account as rewards points, which can be applied to eligible purchases or redeemed as a statement credit. Learn how to make the most of your cash back rewards with the Amazon Store Credit Card.

Should You Apply for the Amazon Store Card?

Consider the benefits and limitations of store cards before deciding if the Amazon Store Credit Card is right for you. With its exclusive rewards, special financing options, and no annual fee, this card offers value for frequent Amazon shoppers. Compare its features with other credit cards to make an informed decision. Apply for the Amazon Store Credit Card today and start enjoying the benefits it offers.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • The Amazon Store Credit Card is a no annual fee store card from
  • on Amazon purchases, and a lot more.

Who this card may suit

  • You shop with Amazon frequently
  • You have an active Amazon Prime membership
  • You want to earn 5% back on purchases
  • You don't want to pay an annual fee

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Regular Purchase APR29.99% variable based on the Prime Rate Late Payment Penalty Fee: Up to $40

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: Good Credit Fair Credit.

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Amazon Store Credit Card

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