Last Updated: 07/28/2025
SuperMoney User Recommendation Score +29
Mostly recommended24 total votes
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Highlights
Community Rating
Mostly recommended
Purchase APR (Variable APR)
25.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
650 - 850
Annual Fee
$0
Number of Reviews
Amazon.com Store Card Review
This 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.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 5x.
- Signup bonus. Offers a signup bonus of up to $10.
- APR: This is not a great card for people who carry a balance. It has a variable regular 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 eligible purchases, but you don't have to pay an annual fee for the privilege.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Amazon Store card
| The Good | The Bad |
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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. This card features rewards for purchases in the following categories:
- Amazon Purchases
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Amazon.com Store Card has a variable purchase APR of 25.99%. Amazon.com Store Card does not offer balance transfers.
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. Amazon.com Store Card does not offer 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | 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 customer service number for Amazon Store card is (866) 226-5638.
What is the support contact email for Amazon Store card?
The support contact email for Amazon Store card is customer.service@mail.synchronybank.com.
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 Amazon.com Store Card report your account activity to credit bureaus?
Yes, Amazon.com Store Card reports to the following credit bureaus:
- 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 build your credit.
Does Synchrony Bank perform a hard credit pull?
Yes, Amazon Store card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Amazon Store card
- Visit the website of Amazon Store card.
- 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: 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...
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.
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.
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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Other Credit Cards from Synchrony Bank
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
27.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
400 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
17.99% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
300 - 850
300
850
Annual Fee
$0
Purchase APR
Up to 29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
N/A
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +29, or 3.6 on a 5-point rating scale.
+29
-1000+100
No one recommends
Everyone recommends
Amazon.com Store Card Community Reviews
Would you recommend Amazon.com Store Card to your friends?
Melanie M.
Oct 27, 2023
May or may not recommend
Amazon is the best. I will tell all my friends.
JC
Jade C.
Oct 26, 2023
May or may not recommend
This card really all depends on how much you shop on Amazon. If you shop there a lot, this card is worth it. If you don't, pass. The rewards add up quickly (if you shop Amazon a lot, which is the only place you can use the card) and can be used towards future purchases or as a credit to your card statement. Either way, the rewards essentially do the ...Show More
MK
Mike K.
Sep 16, 2023
May or may not recommend
Because of there customer service sucks and giving you credit back to your account took them 8 months to do it for me
U
Anonymous
Dec 7, 2022
May or may not recommend
On my paperwork I did not get notified the $28 plus tax adding monthly to my account just because i did not pay in full. With automatic payment or paying on time doesn't help you avoid those fees, unless you pay in full. very disappointed!
Cathy O.
Apr 22, 2022
May or may not recommend
I have been a loyal customer of Amazon and have several Synchrony Bank cards. I pay my card payments every month and have been for 4 years. Unfortunately, this November by husband became terribly ill and was hospitalized and out of work due to COVID for several months. I had two payments return to them (Feb + April) which I then rectified the very next day, both times. I went ...Show More
C
Callista
Apr 1, 2022
May or may not recommend
The Amazon store card is a must-have for prime members because it's really useful for racking up rewards points and special offers. This is especially convenient if you're a prime member like me, as frequent Amazon purchases only add to the benefits of the card. It's a great addition to your wallet if you'd like some additional perks while doing your Amazon shopping.
Mohammed M.
Mar 4, 2022
May or may not recommend
Best customer service in the world!!..Almost too nice!!!....You cannot got wrong with anything
Amazon.
FI
Fatima I.
Jan 21, 2022
May or may not recommend
I am currently an Amazon Prime member and I enjoy best their 2 day delivery and their Amazon Prime Video. With this card, I pretty much enjoy that you get reward points and some Prime offers. Their customer service both chat and phone call are efficient and effective. They are easy to talk to and they will do their best to provide assistance to you. If you do not like ...Show More
Sophia D.
Jan 20, 2022
May or may not recommend
Best card ever for Amazon users! While I wish the app were more intuitive and exciting, the card itself is excellent. It's not much of a physical card, more so a digital card linked to your Amazon account only. You cannot use it anywhere else. I use this as my default card across Amazon, plus you get points for purchases and can checkout using those points when you want to!
JR
Josh R.
Jul 30, 2021
May or may not recommend
This card has one huge issue, which I believe is new. I never noticed this problem prior to a few months ago. Unlike a normal card with promotions, you can't just pay the minimum, or pay whatever you want, until it expires and then pay it all off at once. You have to pay exactly 1/12 per month (for a 12 month promotion) or 1/6 per month ...Show More
MP
Myra P.
Jul 16, 2021
May or may not recommend
I just applied for this and I am completely conscious in dealing with putting my information at pay. Some need to sign up before paying but the first time I have encountered that I can pay my store card as a guest. My payment method where not save which is a good thing for me. More information you put online makes a lot of scammers access your accounts. Paying as ...Show More
KH
Keith H.
Jul 4, 2021
May or may not recommend
I used to use this card back when I shopped on Amazon 24/7 and I would never use this card again. This card has unbelievably high rates and it is ridiculous, unless you're shopping on Amazon every 2 minutes I recommend not getting this card.
MR
Matthew R.
Jun 3, 2021
May or may not recommend
This card makes for a great gift for friends and family on special occasions. There have been no reported issues with this type of card and is available at many retailers.
Alex B.
Feb 24, 2021
May or may not recommend
I love amazon, even thou I had tons of fake and cheap items received from amazon, Im still fond of it, amazon used to be a book store 15+ years ago when I started using it then. Got my java programming book, and some other books purchased from there then. Anyways, amazon has issued amazon store card while ago and I got one also from them. Anytime I purchase anything ...Show More
NC
Nick C.
Jan 21, 2021
May or may not recommend
This card is extremely handy for anyone who uses Amazon regularly. I order something from Amazon at least once a week, and I always use my card.
Jordan R.
Jan 13, 2021
May or may not recommend
Okay, so Amazon, I love this company, I have had an account with them for about 14 years now, I love everything about them, even worked for them one time (Not relevant though). So as someone who usually orders from them, I decided to try for their card and got it! Now the card itself, I haven't used it yet, it is more of a backup incase I don't have ...Show More
TT
Ted T.
Nov 6, 2020
May or may not recommend
I would recommend this card if you shop a lot on Amazon. The rates can be bit high, but it is a store card. The website is easy enough to navigate. The drawback is that you can not be late by even a day to matter how good your payment history is, because you will still incur a late fee. But overall the card makes shopping on Amazon quick and ...Show More
CS
Clara S.
Oct 24, 2020
May or may not recommend
I love Synchrony! Synchrony is the credit card issuer for several of my shopping credit cards such as Gap and Amazon. Everytime I have had to speak to someone in customer service, I have had a great experience. I have never really experienced any issues with this credit card company. I would recommend to friends and family.
AD
Alissa D.
Oct 9, 2020
May or may not recommend
When I first opened this credit card, I was happy about the perk of points back earned from purchases made at the conglomerate Amazon. I used the credit card for all my purchases. The problem with store cards is how quickly the balance grows and how the user may be unaware of the high percentage rate. Also, I had a drop in my credit score for only one month and ...Show More
PR
Poorva R.
Oct 9, 2020
May or may not recommend
I have been using this card for more than a year now and I have mixed feelings about it. It does have some good benefits like 5% cashback on all the purchases if you are a prime member and special financing offers which you can use to buy expensive items.
But I do have complaints about Synchrony Bank that offers this card as their website for this card is not ...Show More
Showing 20 of 24 reviews
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