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Amazon.com Store Card

in Personal Credit Cards from Synchrony Bank

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Amazon.com Store Card

Unaffiliated

in Personal Credit Cards from Synchrony Bank

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Community Rating

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Purchase APR  (Variable APR) 25.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee $0

Amazon.com Store Card Review

Amazon.com Store Card is a store cashback credit card issued by Synchrony Bank. If you're wondering whether Amazon.com Store Card is the right card for you, read on. This is everything you need to know 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 card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.

Amazon.com Store Card Pros and Cons:

The Good The Bad
  • No annual fee.
  • Amazon.com Store Card reports to multiple credit bureaus.
  • 5% back on Amazon.com purchases.
  • Access to promotional financing.
  • Higher than average purchase APRs.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card rewards.

Is there a Amazon.com Store Card cash back or rewards program?

No, Amazon.com Store Card does not offer a rewards program. Amazon.com Store Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. This card features rewards for purchases in the following categories:

  • Amazon.com

What are the Amazon.com Store Card benefits?

Amazon.com Store Card provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Amazon.com Store Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Amazon.com Store Card has higher than average purchase APRs.

Amazon.com Store Card has a variable purchase APR of 25.99%.

Does Amazon.com Store Card have an introductory APR offer on balance transfers?

No, Amazon.com Store Card does not come with an introductory APR offer for balance transfers.

Does Amazon.com Store Card have an introductory APR offer on new purchases?

Amazon.com Store Card does not offer an introductory rate on new purchases.
Amazon.com Store Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Amazon.com Store Card?

The following fees apply to Amazon.com Store Card:

Amazon.com Store Card Fees
Fees Amount
Annual Fee $0
Late Payment Fee up to $39

Does Amazon.com Store Card report your account activity to credit bureaus?

Amazon.com 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 can help improve your credit.

How to apply for Amazon.com Store Card

  • Visit the Amazon.com 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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: SuperMoney.com 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...

Availability

  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
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
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
Card Type
  • Bonus Offers
  • Cashback
  • Store Card
Card Network Other
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Credit Card Benefits Fraud Liability
Bonus Rewards A $10 Amazon.com Gift Card will instantly be loaded into your Amazon.com Account upon the approval of your credit card application.
Rewards Categories Amazon Purchases
Signup Bonus $10
Rewards Type Cash Back
Balance Computation daily balance
Purchase APR (Variable APR) 25.99%

Amazon.com Store Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

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No one recommends Everyone recommends

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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