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Amazon Store Credit Card

Cory Santos

| Last updated on September 26th, 2023

Amazon Store Credit Card

Amazon Store Credit Card
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Fair / Good
None Processing Network
None Annual Fee

Amazon Store Credit Card

  • 29.99% variable based on the Prime Rate Regular Purchase APR

At a Glance

The Amazon Store Credit Card is a no annual fee store card from Synchrony. The card offers the option of 5% cash back or 0% APR financing on Amazon purchases, and a lot more.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • Earn 5% cash back at and Amazon physical stores
  • Special promotional financing for 6, 12, or 24 months
  • Regular Purchase APR: 29.99% variable based on the Prime Rate
  • Late Payment Penalty Fee: Up to $40
  • 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

Amazon Store Credit Card Review

The Amazon Store Credit Card is a closed-loop retail card from Synchrony and global shopping giant The card provides many of the features of the Chase Amazon and Prime Visa credit cards, just exclusively for Amazon and other eligible Amazon brand purchases.

Welcome Bonus

Like the Chase Amazon credit cards, the Amazon Store Card comes with an Amazon gift card upon approval of the card.

Lower Credit and Usability Thresholds Versus the Chase Prime Visa

Store cards typically offer lower credit requirements than open-loop credit cards, and this is because the usability of the cards is reduced. The Amazon Visa and Prime Visa are open-looped, meaning cardholders can use their cards anywhere in the world Visa is accepted.

In contrast, the Amazon Store Card only works on Amazon and eligible Amazon subsidiary purchases. The card (and the secured card version, the Amazon Secured Store Credit Card) can only be used at, Audible, Amazon Bookstore, Amazon Web Services Whole Foods, however, does not qualify – a major letdown.  Cardholders can use it anywhere Amazon Pay is accepted, providing some open-loop adjacent access.

Rewards or Promo Financing

Cardholders earn cash back rewards on purchases made with Amazon and Amazon-owned businesses. The rate, however, depends on your Amazon Prime membership status. With Prime, Store Credit Cardholders earn 5% back on all Amazon purchases. Without Prime, cardholders earn nadda, zilch, nothing.

Cardholders planning a larger purchase can opt for promotional financing instead of rewards. That means cardholders enjoy the following options for either. “Pay In Equal Amounts” or 0% APR:

Months Purchase minimums
6 $50 and $599.99
12 $600+
24 Eligible items noted at checkout

Amazon Store Credit Card & Visa Comparison

Here is how the Amazon Store Card compares with its secured card sibling and the Chase Amazon Visa:

Amazon Visa® Amazon Store Card Amazon Secured Store Card
Open/closed-loop Open Closed Closed
Credit needed Good, Excellent Fair, Good None
Rewards Earn 3% back on and Whole Foods Market purchases; 3% back on purchases made through Chase Travel; 2% back on local transit, restaurants, gas stations, and drug stores; and 1% back on all other purchases Earn 2% cash back at and Amazon physical stores Earn 2% cash back at and Amazon physical stores
Promotional financing 0% APR on eligible purchases 0% APR on eligible purchases 0% APR on eligible purchases
Other Get more rewards with Amazon Prime Get more rewards with Amazon Prime $100 minimum deposit; get more rewards with Amazon Prime

How to Redeem Cash Back

Cash back rewards are added to your Amazon account as rewards points, with 1% cash back equal to 1X points. Once the points are added to your account, you can apply them to eligible purchases on Amazon by selecting to use rewards points at checkout, or alternatively, rewards may be redeemed as a statement credit.

Synchrony Ratings

How does Synchrony stack up as a credit card issuer? Here is a selection of ratings for the bank:

Should You Apply for the Amazon Store Card?

Store cards in general, are a mixed bag, with limited usefulness and even more limited award options. But that’s not the case with the Amazon Store Credit Card. The card features the same reduced usability as any closed-loop store card, but it works with Amazon and Amazon Pay – two massively large options that provide far more value than a basic clothing loyalty program. The rewards with the card are decent, but nothing to compare with the Chase credit cards. They feature lower credit needed qualifications, special promotional financing, and no annual fee.

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