Amazon Credit Card

Amazon offers multiple credit cards, including the Amazon Prime Rewards Visa Signature Card, Amazon Rewards Visa Card, Amazon Store Card, and Amazon Secured Card. These cards (Amazon Credit Card) provide cashback on Amazon purchases, partner stores, and everyday expenses.

One of the biggest advantages is that Amazon Prime members get 5% cashback on Amazon and Whole Foods purchases. Even if you don’t have Prime, you can still earn rewards on other purchases. The cards are issued by different banks, such as Chase and Synchrony Bank, depending on the card type.

Amazon Credit Card often come with special financing options, allowing users to make large purchases with 0% APR for a limited period. However, it’s essential to check interest rates after the promotional period ends.

These cards are widely accepted and can be used for shopping on Amazon, restaurants, gas stations, drugstores, and more, depending on the type of card. Overall, if you shop frequently on Amazon, an Amazon Credit Card can help you save money and earn valuable rewards.

Amazon Credit Card Types

Amazon offers several credit cards options to suit different types of shoppers. Whether you’re a frequent Amazon buyer or looking for flexible financing, there’s an Amazon Credit Card for you. Below are the main types of Amazon Credit Cards:

This card is ideal for Amazon Prime members and offers 5% cashback on Amazon and Whole Foods purchases. It also provides 2% cashback at restaurants, gas stations, and drugstores, and 1% on all other purchases. There is no annual fee, but you must have an active Prime membership.

This card is for non-Prime members and offers 3% cashback on Amazon and Whole Foods, 2% cashback at restaurants, gas stations, and drugstores, and 1% on all other purchases. Like the Prime Rewards card, there’s no annual fee.

Issued by Synchrony Bank, this card is only valid for purchases on Amazon. Prime members get 5% cashback, while all users have access to special financing offers on purchases over a certain amount.

This is a secured credit card designed for people who want to build or rebuild their credit. It requires a security deposit and is valid only on Amazon.

Each Amazon Credit Card offers different benefits, so choose the one that fits your shopping habits and financial needs.

How to Apply for an Amazon Credit Card

Applying for an Amazon Credit Card is simple and can be done online within minutes. Follow these steps:

  • Visit Amazon’s Credit Card page – Go to the Amazon website and navigate to the credit card section.
  • Choose a card – Select the Amazon Credit Card that suits your needs. If you’re a Prime member, the Prime Rewards Visa Signature Card is a great option.
  • Click “Apply Now” – Once you’ve selected the card, click the “Apply Now” button to start your application.
  • Enter your details – Provide your name, address, date of birth, Social Security number (SSN), and income details to verify eligibility.
  • Submit your application – After filling in the details, submit your application. You may receive an instant decision or be asked for additional verification.

If approved, you can start using your Amazon Credit Card immediately. In some cases, if further review is required, it may take 7–10 business days for a final decision.

Does an Amazon Credit Card Have Worth?

The Amazon Credit Card is worth it if you shop frequently on Amazon and Whole Foods. The 5% cashback on purchases can lead to significant savings, especially if you spend a lot online.

For those who don’t shop on Amazon often, the card may not be as valuable. Other credit cards offer better cashback or rewards for everyday spending, such as grocery stores, gas stations, or travel purchases.

The card also has special financing options, which can be useful for large purchases. However, interest rates after the promotional period can be high, so it’s essential to pay off the balance on time.

If you’re a Prime member, the card offers great benefits. If you’re not a Prime member, you may still benefit from other Amazon Credit Cards, but the rewards will be lower.

Amazon Credit Card Customer Service

Amazon Credit Card customer service varies depending on the issuing bank:

Chase Bank issues Amazon Visa Cards, and their customer service can be reached at 1-888-247-4080.

Synchrony Bank issues Amazon Store Cards, and their support is available at 1-866-634-8379.

You can contact them for billing inquiries, lost or stolen cards, disputes, or general questions. Additionally, you can manage your card through the Amazon website or the respective bank’s online portal.

Customer service is available 24/7 for lost or stolen cards, and representatives are generally helpful in resolving issues quickly.

Logging into your Amazon Credit Card account is simple:

  • Go to the bank’s website – If you have an Amazon Visa Card, visit Chase’s website. If you have an Amazon Store Card, go to Synchrony Bank’s portal.
  • Enter your credentials – Provide your username and password to access your account.
  • View account details – Once logged in, you can check your balance, transaction history, rewards, and payment details.

For security, enable two-factor authentication (2FA) to protect your account from unauthorized access.

The toll-free number depends on the issuing bank:

  • Amazon Visa Cards (Chase Bank): 1-888-247-4080
  • Amazon Store Cards (Synchrony Bank): 1-866-634-8379

Both banks offer 24/7 support for reporting lost or stolen cards and answering customer queries.

Who Should Get an Amazon Credit Card?

An Amazon Credit Card is ideal for:

  • Amazon Prime members who want 5% cashback on purchases.
  • Frequent Amazon shoppers who can take advantage of discounts and special financing.
  • People who shop at Whole Foods, since Prime members also get 5% cashback there.

However, if you rarely shop on Amazon, you might find better rewards with other cashback or travel credit cards.

Pros and Cons of Amazon Credit Card

Pros and Cons of Amazon Credit Card are as follows:

  • 5% cashback for Prime members.
  • No annual fee (except Prime membership).
  • Special financing options on large purchases.
  1. High-interest rates if balance is not paid on time.
  2. Limited rewards outside Amazon and Whole Foods.
  3. Requires Prime membership for maximum benefits.

Amazon Credit Card Benefits

  • Special financing for large purchases.
  • Bonus rewards on select categories.
  • Amazon Credit Card Requirements
  • Must be 18+ years old.
  • Must have a valid SSN.
  • Must have a good credit score (typically 670+).

Final Verdict

An Amazon Credit Card is a great choice for frequent Amazon shoppers, especially Prime members. However, those who prefer more versatile rewards should consider other cashback or travel credit cards.

Frequently Asked Questions

Amazon Credit Cards are issued by Chase Bank (Visa Cards) and Synchrony Bank (Store Cards).

You can pay through the bank’s website, mobile app, or automatic payments from your checking account.

Call customer service and request account closure. Ensure you pay any remaining balance before closing.

Activate by calling the bank or using their online portal.

Track it using the online account portal or mobile app.

Yes, but foreign transaction fees may apply.

Yes, but cash advance fees and interest rates are high.

Yes, it can increase or decrease your credit score, depending on usage.