SuperMoney Store Card Store Card

in Personal Credit Cards from Synchrony Bank

Claimed Store Card


in Personal Credit Cards from Synchrony Bank

SuperMoney Net Recommendation Score +36


This product is mostly recommended by SuperMoney users with a score of +36, equating to 3.7 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Mostly recommended

7 users recommend
1 user is unsure
3 users don't recommend
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Community Rating Mostly recommended
Purchase APR  (Variable APR) 25.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee $0
Number of Reviews 11 Store Card Review

This is a store cashback credit card issued by Synchrony Bank. If you're wondering whether Amazon Store card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a cashback rewards rate of up to 5%.
  • Signup bonus. Offers a signup bonus of $10 if you spend $0.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 25.99%
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of Amazon Store card
The Good The Bad
  • No annual fee.
  • Store Card reports to multiple credit bureaus.
  • 5% back on purchases.
  • Access to promotional financing.
  • Higher than average purchase APRs.
  • Does not include many credit card benefits.
Amazon Store card FAQ

Does Amazon Store card have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

What are the Amazon Store card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Amazon Store card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It has a variable purchase APR of 25.99%.

Does Amazon Store card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Amazon Store card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Amazon Store card?

The following fees apply:

Amazon Store card Fees
Fees Amount
Annual Fee $0
Late Payment Fee up to $39

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

What is the customer service phone number for Amazon Store card?

The Amazon Store card customer service number is (866) 226-5638.

What is the support contact email for Amazon Store card?

The support contact email for Amazon Store card is < a href="">< /a>.

How do people rate the customer service and user experience of Amazon Store card?

Overall, Amazon Store card is mostly recommended based on community reviews that rate customer service and user experience.

Does Store Card report your account activity to credit bureaus?

Yes, Store Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Amazon Store card

  • Visit the Amazon Store card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


Hours of Operation

  • Sunday 8:00am - 12:00am
  • Monday 8:00am - 12:00am
  • Tuesday 8:00am - 12:00am
  • Wednesday 8:00am - 12:00am
  • Thursday 8:00am - 12:00am
  • Friday 8:00am - 12:00am
  • Saturday 8:00am - 12:00am

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Message From Our Editor

What we love about Amazon Store Card

The Amazon Store Card offers a great rate of cash back on everything that you purchase from the store. Given that Amazon is one of the most popular online retailers, earning 5% on everything you buy can mean a lot of cash back. It also offers the flexibility to get 0% financing on larger purchases.

What could Amazon Store Card do better?

The Amazon Store Card is a store credit card, which means you can only use it on purchases from Amazon. You’ll need to get a second credit card if you want one that you can use at other online stores or at physical retailers.

The 0% APR financing, while useful, can also be dangerous. If you don’t pay the full amount of your purchase before the financing period ends, you’ll get charged for all the interest that would have accrued from the time that you made your purchase. This can be a nasty surprise for people who don’t pay close attention to their purchases and their payoff schedule. However, if you’re only using this card for the cash back it offers, that eliminates this drawback.

Amazon Store Card‘s backstory

Amazon was founded 1994 by Jeff Bezos. In the years since, Amazon has grown to be one of the most important technology companies on the planet, offering a massive ecommerce store, video streaming, web services, consumer electronics, and more. The company produced more than $280 billion in revenue in 2019, making it one of the largest companies in the world.

The Verdict

The Amazon Store card is a fine card if you want to earn cash back on purchases at Amazon, but its financing offers can be dangerous. However, the Amazon Prime Rewards Visa offers the same cash back on Amazon purchases and can be used elsewhere, making it the superior card.


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Eligible In-Store Purchases 5%
Every Purchase (Points) 6-month special financing on any purchase totaling $149 or more 12-month special financing on any purchase totaling $599 or more 24-month special financing on select Amazon-sold items Equal monthly payment financing options available on select items
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 23 days
Minimum Interest Charge $1.50
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Categories
  • 5% Cash Back on Amazon Purchases
Signup Bonus Starting at $10
Balance Computation daily balance
Purchase APR (Variable APR) 25.99%
Card Type
  • Cashback
  • Store Card
  • Bonus Offers
Card Network Other Store Card Community Reviews


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This product is mostly recommended by SuperMoney users with a score of +36, equating to 3.7 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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