Overview

Who Is Amazon.com Store Card Designed For?

Amazon Store Card is a personal credit card designed for individuals with average or good credit who shop on Amazon.com. The store card offers special financing promotions if high-ticket purchases are paid in full within a certain time period, which is determined by the cost of the purchase. The card has no annual fee and has a cashback rewards program.

What Are the Rates for Amazon.com Store Card?

The rate for purchases is 27.49% APR. The APR will vary with the market based on the prime rate.

The card comes with special financing offers whereby if a high-ticket purchase is paid in full within a designated time period, cardholders will not be charged interest. Purchases totaling $149 or more are eligible for 6-month financing; purchases totaling $599 or more are eligible for 12-month financing; purchases on select Amazon-sold items are eligible for 24-month financing. Minimum monthly payments are required and, if the promotional balance is not paid in full within the specified time, cardholders will be charged interest.

What Are the Fees for Amazon.com Store Card?

There is no annual fee. The minimum interest charge is $1.50. There is a late payment penalty of up to $35. 

What Is the Rewards Program Like for Amazon.com Store Card?

Cardholders can earn 5% cash back, which will appear as a statement credit. However, the percent-back program cannot be combined with any special financing offers. For any given purchase, cardholders choose whether to apply the percent-back rewards or take advantage of a financing offer (if one is available).

What Is the Signup Bonus for Amazon.com Store Card?

Amazon Store Card comes with a $20 Amazon gift card, which will be instantly loaded into your Amazon.com account upon approval of your credit card application.

Does Amazon.com Store Card Have Any Other Benefits?

Amazon Store Card comes with zero fraud liability.

How Is Amazon.com Store Card Better Than Other Credit Cards?

Amazon Store Card has no annual fee yet comes with special financing offers. Alternatively, cardholders can apply the cashback rewards program to get statement credits. The card also comes with the added benefit of $0 fraud liability.