What Credit Score Do You Need for the Amazon Credit Card?
Last updated 04/16/2026 by
Ante Mazalin
Edited by
Andrew Latham
Summary:
Amazon offers three credit cards with different issuers, different credit score requirements, and different reward structures — the Store Card, the Rewards Visa, and the Prime Rewards Visa.
Which one you qualify for depends on where your score sits.
- Amazon Store Card (Synchrony Bank): The most accessible option — a score of 640 or higher gives you good approval odds, and it works exclusively on Amazon.com.
- Amazon Rewards Visa (Chase): Requires around 670 or higher — a full Visa card usable anywhere, with no Prime membership required.
- Amazon Prime Rewards Visa (Chase): The highest bar at around 740 — requires an active Prime membership and delivers the best rewards rate at 5% back on Amazon and Whole Foods.
Many shoppers apply for the wrong Amazon card and absorb a hard inquiry rejection they didn’t need to take. Matching your score to the right product before you apply takes the guesswork out of it.
Compare Credit Cards
Compare the rates, fees, and rewards of leading credit cards.
Amazon’s three credit cards — how they compare
The three cards are issued by two different banks and serve three distinct credit profiles. Here’s how they stack up at a glance.
| Feature | Store Card | Rewards Visa | Prime Rewards Visa |
|---|---|---|---|
| Issuer | Synchrony Bank | Chase | Chase |
| Network | Amazon only | Visa (everywhere) | Visa (everywhere) |
| Prime membership required | No | No | Yes ($139/year) |
| Recommended credit score | 640+ | 670+ | 740+ |
| Amazon rewards rate | 5% (Prime) / special financing | 3% on Amazon | 5% on Amazon & Whole Foods |
| Annual fee | None | None | None (Prime required) |
What credit score does the Amazon Store Card require?
The Amazon Store Card, issued by Synchrony Bank, requires a minimum credit score of around 650 — placing it in the fair credit range.
A 650 is the practical floor. Applicants below that threshold are unlikely to be approved, while those above it tend to receive higher limits and better access to special financing offers on purchases of $150 or more.
| Credit Score | FICO Category | Store Card Approval Odds |
|---|---|---|
| Below 600 | Poor | Very unlikely |
| 600–639 | Fair | Low — possible but unreliable |
| 640–669 | Fair | Good odds for approval |
| 670+ | Good–Exceptional | Strong odds; better credit limits |
What credit score does the Amazon Rewards Visa require?
The Amazon Rewards Visa, issued by Chase, requires around 670 or higher — the entry point for Chase’s good-credit tier.
Unlike the Store Card, it’s accepted anywhere Visa is, and it doesn’t require a Prime membership. The rewards rate is 3% back on Amazon purchases, making it the middle-ground option for shoppers who don’t spend enough on Amazon to justify Prime but want more flexibility than a store card offers.
| Credit Score | FICO Category | Rewards Visa Approval Odds |
|---|---|---|
| Below 670 | Fair or below | Unlikely — consider the Store Card instead |
| 670–699 | Fair–Good | Possible, though not consistent |
| 700–739 | Good | Good odds in most cases |
| 740+ | Very Good–Exceptional | Strong odds; best credit limits |
What credit score does the Amazon Prime Rewards Visa require?
The Amazon Prime Rewards Visa is Chase’s premium Amazon card and carries the highest credit bar — most approved applicants have a score of 740 or above.
It also requires an active Prime membership ($139/year) at the time of application. For regular Amazon and Whole Foods shoppers, the 5% cashback rate typically offsets most or all of that membership cost — someone spending $230/month across both earns roughly $138/year back.
| Credit Score | FICO Category | Prime Rewards Visa Approval Odds |
|---|---|---|
| Below 670 | Fair or below | Very unlikely |
| 670–739 | Good | Possible but inconsistent — Rewards Visa is the better target here |
| 740–799 | Very Good | Good odds for most applicants |
| 800+ | Exceptional | Strong odds; highest credit limits |
Pro tip: Apply for the Store Card first if you’re in the 640–669 range. Synchrony reports to all three major credit bureaus, so 12–18 months of on-time payments builds the history Chase looks for when evaluating Rewards Visa and Prime Rewards Visa applications. Many cardholders step up to a Chase Amazon card within two years.
What to do if your score doesn’t qualify yet
If you’re below 640, none of the three Amazon cards are currently within reach — but the gap is closable faster than most people expect.
How to build your score toward Amazon card approval
Focus on the factors Synchrony Bank and Chase weigh most heavily:
- Reduce your credit utilization. Paying down revolving balances to below 30% of your total limit — ideally below 10% — is the fastest way to move your score. The change shows up within one billing cycle.
- Check your credit report for errors. Get your free report at AnnualCreditReport.com. Incorrect negative items — collections, late payments, or accounts that aren’t yours — can suppress your score unnecessarily. Dispute anything inaccurate with the relevant bureau directly.
- Make every payment on time. Payment history is the largest component of your FICO score. Set up autopay for at least the minimum on every account to prevent future damage.
- Hold off on new applications. Each hard inquiry temporarily drops your score by a few points. Don’t apply for other credit products while you’re building toward an Amazon card.
- Add a positive tradeline. If your file is thin rather than damaged, a credit-builder loan adds an installment account to your history without requiring approval based on your current score.
Frequently asked questions
Does applying for an Amazon credit card affect your credit score?
Yes. All three Amazon cards — the Store Card, Rewards Visa, and Prime Rewards Visa — trigger a hard inquiry when you submit a full application. Each hard pull typically drops your score by a few points temporarily. Chase offers pre-qualification for its Amazon cards via a soft pull, which has no impact on your score.
Which Amazon card is easiest to get approved for?
The Amazon Store Card from Synchrony Bank is the most accessible, with approval odds for applicants at 640 or above. The Rewards Visa and Prime Rewards Visa from Chase require 670 and 740 respectively, and Chase’s underwriting is generally stricter than Synchrony’s.
Can I have more than one Amazon credit card?
Yes. The Store Card and the Chase Amazon cards are separate products from different issuers, so it’s possible to hold more than one. That said, most cardholders move exclusively to the Prime Rewards Visa once their credit qualifies, since its rewards rate and Visa network make the Store Card redundant.
What credit bureau does Chase pull for Amazon cards?
Chase primarily uses Experian for Amazon Visa applications, though it may pull from Equifax or TransUnion depending on your state. Synchrony Bank most commonly pulls from TransUnion for the Store Card.
Do I need Amazon Prime for all three cards?
No. Only the Prime Rewards Visa requires an active Prime membership. The Store Card and the Rewards Visa are available to any Amazon customer regardless of Prime status, though Prime members get the higher 5% rate on the Store Card.
Key takeaways
- Amazon offers three credit cards: the Store Card (640+), the Rewards Visa (670+), and the Prime Rewards Visa (740+).
- The Store Card is Amazon-only; the Rewards Visa and Prime Rewards Visa are full Visa cards usable anywhere.
- Only the Prime Rewards Visa requires an active Prime membership — but at 5% back on Amazon and Whole Foods, it pays for itself for regular shoppers.
- If your score is 640–669, target the Store Card only. Applying for a Chase Amazon card at that range risks rejection and a wasted hard inquiry.
- Responsible Store Card use builds the credit history Chase evaluates for its Amazon cards — many cardholders step up within 12–18 months.
To compare all three Amazon cards on rates, fees, and reader ratings, see SuperMoney’s reviews: Amazon Store Card, Amazon Rewards Visa, and Amazon Prime Rewards Visa.
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