This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
The Amazon Store Card is a no-brainer for anyone with an Amazon Prime membership and at least fair credit. Prime membership qualifies you for 5% back on every Amazon.com purchase, turning an otherwise ordinary offer into one of the best store credit cards around.Info about the Amazon Store Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.6/5
1,404 reviewsRead and write reviews
Editor’s Review
5.0/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
3.8
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.
Fees
5.0
Rewards
3.7
Cost
3.8
Other Features
0.0
3.8/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 6 - 24 months, 29.74% (V) APR after that
Balance Transfer
Balance Transfers Not Allowed
Rewards
Receive a $60 Amazon Gift card instantly upon approval.
Amazon.com Store Cardholders who join Prime are automatically upgraded to the Amazon Prime Store Card.
Amazon Prime Store Cardholders can earn 5% back at Amazon.com and Whole Foods Market purchases.
Amazon Store Card's Additional Info
Deferred Interest Details: No Interest if paid in full within 6 or 12 months on minimum purchases of $150 or $600, respectively. No Interest if paid in full within 24 months on select purchases.
Equal Monthly Payment Financing: 0% APR for 6 or 12 months on minimum purchases of $50 or $600, respectively. 0% APR for 24 months on select purchases.
Get Instant Credit.
Browse items eligible for exclusive financing offers.
Choose between 5% eligible purchases or promotional financing.
The Amazon Store Card is a no-brainer for anyone with an Amazon Prime membership and at least fair credit. Prime membership qualifies you for 5% back on every Amazon.com purchase, turning an otherwise ordinary offer into one of the best store credit cards around.
Amazon.com Store Card Highlights
Only rewarding for Prime members
Prime members earn 5% back at Amazon.com and Whole Foods Market purchases made with the Amazon Store Credit Card. Cardholders who don’t have Prime don't get anything besides the card's standard $60 sign-up bonus, though they do benefit from the ability to build credit and pay with plastic. You need only “fair” credit to get approved, and you can check your credit score for free on WalletHub to see if you’ll qualify.
No annual fee (besides Prime dues)
Whether you plan to use the Amazon.com Store Card for earning rewards or improving your credit score, not having to pay an annual fee is definitely a plus. Prime membership costs $139 per year.
Only for Amazon.com purchases (but that’s enough)
If you have Prime, you probably buy all sorts of things on Amazon. It might even be your biggest spending category. And the Amazon Prime Store Card (what it’s called for members) gives you an indefinite 5% off sale. So it’s definitely worth it. You just need to pair it with a Visa or Mastercard that allows you to maximize the rewards you earn on all of your other purchases.
Don’t use it for financing
The Amazon Store Card offers 0% financing for 6 to 24 months, depending on what you buy and how much it costs. But you should turn it down because it includes a dangerous feature called “deferred interest.” Basically, interest can retroactively apply to your entire original purchase amount if you pay your bill a day late or have a balance remaining at the end of the 0% period.
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Amazon Store Card Video Review
Compare The Amazon Store Card vs. Popular Alternatives
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.6
Market Comparison
3.8
fees: 5.0
rewards: 3.7
cost: 3.8
Other Features: 0.0
3.9WalletHub Rating
WalletHub Rating
3.9
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.9
User Reviews
3.8
Market Comparison
3.9
fees: 5.0
rewards: 3.3
cost: 3.8
APR: 3.9
4.4WalletHub Rating
WalletHub Rating
4.4
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Lower Cost of Existing Debt." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.4
Market Comparison
4.4
fees: 5.0
cost: 4.3
APR: 4.4
(1,404)
(1,723)
(2,241)
annual fee$0
annual fee$0
annual fee$0
Purchase Intro APR0% for 6 - 24 months
Purchase Intro APR0% for 15 months
Purchase Intro APRNot Offered
transfer intro aprNot Offered
transfer intro apr0% for 15 months|Transfer Fee:3% intro balance, up to 5% fee on future balance transfers (see terms)*
transfer intro apr0% for 18 months|Transfer Fee:3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer
Can't find what you are looking for? Submit your question about Amazon Store Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
You can make a Amazon Store Card payment online, by phone, through the Synchrony Bank mobile app or by mail. To pay a Amazon Store Card bill online, log in to your online account and click on “Make a Payment.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Synchrony Bank does allow cardholders to set up automatic payments, too.
Ways to Make a Amazon Store Card Payment
Online: Log in to your online account and click on “Make a Payment.”
By phone: Call 1-866-634-8379 and enter your card information when prompted, then follow the prompts to make a credit card payment.
Through the mobile app: Log in to your account and select your card, then tap the payment button.
By mail: Send a check or money order (but not cash) to
Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
In conclusion, there are multiple ways to make a Amazon Store Card payment, so just choose whichever method is easiest for you. The key is to not miss any due dates, as that can lead to serious credit score damage.
The only way to apply for the Amazon Store Card is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to Synchrony Bank's website.
Keep in mind that the Amazon Store Card requires fair credit, which means you need a 640+ credit score for high approval odds. . Also note that applying for the card triggers a hard inquiry, which may temporarily hurt your credit score. So,...
The easiest way you can check your Amazon Store Card balance is either online or through the Amazon Store Card app for iOS and Android. Alternatively, you can check your credit card balance by calling (866) 634-8379. If you have an Alexa-enabled device, you could also ask Alexa about your balance after enabling the Store Card skill.
Here's how you can check your Amazon Store Card balance:
Online: You can check your Amazon Store Card balance by logging in to your online account. From...
Yes, the Amazon Store Card is a credit card. More specifically, store cards work like any other type of credit cards. The sole exception is that you can only use most store cards at the retailer they're affiliated with, which is Amazon in this case.
Amazon Store Card Details
Initial Bonus: A $60 Amazon Gift Card upon approval.
Ongoing Rewards:5% back on Amazon.com and Whole Foods Market purchases for Prime members.
Regular APR: 29.74% (V)
Financing Offer:0% for 6 - 24 months on pre-set minimum purchases as long as you pay your balance in...
Keep in mind that if your card is ever lost or stolen, you will need to call customer service at (888) 247-4080. The sooner you report a lost or stolen card, the quicker you'll be able to prevent unauthorized charges on the account and...
To talk to Amazon Store Card customer service, call 1-866-634-8379 and then wait to be connected to an agent. This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to Amazon Store Card Customer Service by Phone
Call the Amazon Store Card customer service department. You can even use the number on the back of your card.
No, you cannot use your Amazon Store Card anywhere you want, as you can only use it for purchases at Amazon's physical stores, Whole Foods Market, Amazon Fresh, Amazon Go, and Amazon Style and Amazon.com. The Amazon Store Card is a store card, which means that it is not backed by any major credit card network and only works at affiliated locations.
To get the Amazon Store Card app, download it from the App Store for iOS or Google Play for Android devices. Then, log in with the same credentials you use for your online account to easily manage your card and view transactions.
No, the Amazon Store Card doesn't have an expiration date nor a security code. The card only contains the Amazon logo, your name, and the account number. That's because it is solely meant for online purchases at Amazon.
The Amazon Store Card comes with a $0 annual fee and a $60 Amazon.com gift card upon approval.
Share your insights and review for the Amazon Store Card
5
41%
4
20%
3
16%
2
8%
1
16%
3.6
1,404 reviews
1,404 reviews
What's Your Rating?
Most Recent
Andrei Jancew @andreijancew1
1 Star Rating
I never miss a payment, but they blocked my card with $200 of cashback. Then I had to pay a $240 balance, and I can't use my rewards because they removed the rewards. They stole from me $200 that I earned months ago. Don't trust these thieves.
Comment
1
0
John Garrison @jlggps
1 Star Rating
Verified Customer
I was a loyal Amazon cardholder for over five years with a perfect payment history, always paying 3-4 times the minimum.
Recently, a completely unrelated account with a different bank had an autopay setup glitch. I set up autopay, but the configuration disappeared from their system, causing a 30-day late payment to escalate to a 60-day late payment, which hit my credit report. Once discovered, I immediately rectified this and paid the account off in full.
As soon as that single, unrelated late mark made it to my report, SYNCB's response was immediate and severe. They slashed my Amazon card limit to an amount below my existing balance, instantly pushing my utilization over 100% and flagging me as "over limit."
This started a domino effect. SYNCB then cut limits and closed my other accounts with them. Another creditor, Comenity, followed suit, cutting limits by as much as 80% and closing accounts. In a matter of months, I lost over 70% of my available credit, and my score, which I had worked for years to build, dropped by nearly 200 points.
I take responsibility for trusting an autopay system that failed, but the response from SYNCB was vastly disproportionate. They treated a single, corrected, unrelated late payment as a major risk event, with no regard for the years of perfect history with them on my Amazon Store Card.
It's disheartening to see years of work trying to get my credit reports to convey responsible financial behavior be destroyed so quickly by an algorithm. Thankfully, other issuers (Elan, Capital One, Citibank) looked at my actual history and stood by me. SYNCB and Comenity did not. Be very cautious.
I still have and use the Amazon Store Card but have been actively migrating all my recurring charges (subscriptions, etc.) from it to my debit card. That way, I'll be able to pay the entire balance off much more quickly and maybe use it a few times a year on small purchases to keep it from becoming a dormant account.
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Comment
0
0
Kristy Griffin @kristymgriffin
1 Star Rating
They regularly hold payments for no reason. I have other Synchrony store cards, and none of them have ever done this. I have paid my complete balance regularly. The last payment I made posted on 9/30, cleared my bank on 10/5, and still is not reflected in my available balance as of 10/9. There is no way that electronic funds transfers take that amount of time to "clear"—they just do not credit your account until you call and complain. Once they finally give me credit for this last payment, I will 100% close this account. It's the worst!
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Comment
1
0
Laurence Walker @blueh2ocapt
1 Star Rating
Applied and was given a $3,000 limit. I've had it for years, with my credit score constantly improving during that time. They raised it without my asking to $6,000. I put a big-ticket item on it and am now paying it down in big chunks, but they're lowering my credit limit by that amount every time I make a payment. This shows a high percentage of credit usage on that card. I will be paying it off and canceling that account. I know it will hurt my credit score because it will shorten the length of my longest account average, as I've had it for so long, but I don't care. I'm over 700 and I'll take the hit to make a statement. Synchrony is not the only one losing out on the high interest I've been paying; Amazon is going to lose a customer as well due to guilt by association. It's clear that Amazon is aware of the situation.
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Comment
1
0
Dobber Malchi @Dobber1969
1 Star Rating
Verified Customer
This is legitimately a scam. I was never late or missed a payment. My credit limit of $3000 was cut to $1500. Then, as I paid down debt, they lowered my credit limit, making it look like I am using 100% of my credit. They used that against me to deny me credit. Other cards raised my credit; I was approved for $2500 for a different new card. Synchrony has pulled this scam on me twice. I got a JCPenney card, upgraded to Penney's Gold card, but my credit was subsequently lowered to show 100% usage of my card with Amazon and Walmart/Sam's Club. Walmart cut ties with them after discovering the scam. They can take a 750 credit score and reduce it to a 610 by lying to the credit bureau. With 8 cards from this company, I was never late nor missed a payment. Synchrony starts off well in year one, but by year two, they cut your credit, and by year three, you want to pay off and cancel the card. Amazon may not know. I legitimately would have bought more stuff, but it was charged to a different card or debit. Synchrony is a scam and a rip-off. I'm still waiting for an explanation from the India call center to explain why, including the lies. Synchrony will lie to your face.
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Comment
1
0
Laurence Walker @blueh2ocapt
Same. Opened the account they offered me $3,000 then raised it to six without me asking. Bought a couple of Big Ticket items. Credit score constantly going up yet every time I pay it down now they reduce the credit limit and it's back down to 3,000. Guess they don't want me as a customer. With the high interest rate that's okay I've got six other credit cards I can use so it's synchrony and because I won't be shopping on Amazon as much Amazon's loss as well.
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Comment
1
0
Rhiannon DuFour @rhiannon_silverslyph
1 Star Rating
Verified Customer
Slow to process payments. Even five business days after payment posting, they still had not applied it to my balance. Limits the number of payments you can make monthly.
Comment
2
0
schelbysheffey99 @schelbysheffey99
1 Star Rating
Do not get this card! They ruin your credit and then lower your credit limit without warning. This whole company is terrible; don't bother with this headache. They are greedy individuals who will mess up your life in an instant to put more money in Bezos' pocket.
Comment
3
0
Dobber Malchi @Dobber1969
Yes that's what they did to me. A scam.
Comment
1
0
Robert Kriegar @RJKriegar
3 Star Rating
Verified Customer
After suffering a breach on two of my bank accounts, I had to rearrange my payment method, and I clearly explained this to these people. Despite that, through their own improper billing errors and their refusal to correct the problem, they cut my credit limit by three-quarters, knowing full well that they were doing so inappropriately.
Comment
1
0
Dobber Malchi @Dobber1969
That is their scam. We need to file a class action. A billion out of their pocket will make them cut out the lies they tell and the cuts they illegally impose to ruin your credit.
Comment
2
0
wcnewton @wcnewton
1 Star Rating
This is the worst card to have. I started off with a $1,378 credit limit and payoff. They changed it from $1,378.00 to now a limit of $602.00. I always pay on time. My credit score is 722. There is no reason for that change.
Comment
2
0
Denise Alawine @dalawine52
5 Star Rating
Verified Customer
Synchrony Bank is awesome. I love their excellent customer service. However, the Amazon Store Card was an awful experience. I returned a rug, and instead of crediting my card, they put the refund on a gift card. When I contacted Amazon, they told me three different times it would be taken care of. However, they did not follow through. After a phone call, they requested a bunch of information that I had already given three times in chats, and I still did not receive a refund to my card. I gave up. I am paying off the card soon and have already shredded it. The customer service from Amazon regarding this card was terrible.
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