Shop online often and want flexible payments while building credit? The Amazon Credit Card makes that possible.
It’s a smart option for managing purchases and improving financial standing worldwide.
Use this quick guide to apply, unlock rewards, and check current rates.
About Amazon
Amazon ranks among the top global e-commerce platforms. Massive user numbers and strong sales drive its profitability. Launched in 1994, it grew fast from a small startup into an international force.
To streamline payments, Amazon teamed up with financial institutions to offer solutions like the Amazon Credit Card. This card supports worldwide users with flexible payment options designed for Amazon purchases.
Amazon Credit Cards You Can Use Anywhere
Prime Visa:
- 5% back at Amazon and Whole Foods
- 5% back on Chase Travel
- 2% back at restaurants, gas stations, transit, and rideshare
- 1% back on all other purchases
- $0 annual fee (Prime membership required)
Amazon Visa:
- 3% back at Amazon and Whole Foods
- 3% back on Chase Travel
- 2% back at restaurants, gas stations, transit, and rideshare
- 1% back on all other purchases
- $0 annual fee
- No Prime required
Amazon Credit Cards for Amazon Purchases Only
Amazon Store Card (Prime):
- 5% back or special financing
- Amazon purchases only
- $0 annual fee (Prime required)
Amazon Store Card (Non-Prime):
- Special financing
- Amazon purchases only
- $0 annual fee
Amazon Secured Card (Prime):
- 2% back
- Amazon purchases only
- $0 annual fee (Prime required)
- Requires refundable deposit
Amazon Secured Card (Non-Prime):
- No rewards
- Amazon purchases only
- $0 annual fee
- Requires refundable deposit
Amazon Credit Card: Eligibility Requirements
Applicants must meet specific conditions to qualify. These help streamline the process for users worldwide.
- Age: Minimum age is 18. Verification is required during the application.
- Credit ScoreA score of 670+ boosts approval chances. Higher scores often lead to better terms.
- IncomeProof of income is mandatory. Lenders review earnings and debt-to-income ratio. Accuracy matters.
Amazon Credit Card: How to Apply Online
The application process for an Amazon Credit Card is quick, digital, and designed for both domestic and international applicants. Whether you’re looking to earn rewards on Amazon purchases or take advantage of exclusive offers, applying online is the fastest way to get started.
- Visit the official Amazon Credit Card page. You can access it from Amazon’s main website or during checkout if an offer is shown.
- Click “Apply Now.” This takes you to the application portal powered by Amazon’s financial partners (e.g., Chase or Synchrony).
- Complete the application form. Enter your personal, financial, and contact information carefully.
- Review all details. Double-check for typos or outdated info.
- Submit your application. Many applicants receive an instant decision, while others may wait a few business days for verification.
Documents You’ll Need
Having your documents ready can speed up the process:
- A government-issued photo ID
- Proof of income (recent pay stubs, W-2, or tax return)
- Social Security Number (SSN) or Taxpayer Identification Number (TIN)
- Updated contact information, including phone number and current address
Tips to Boost Approval Odds
- Use accurate and consistent information across all sections
- Check your credit report for errors or outdated accounts
- Pay off existing credit balances before applying
- Avoid applying for multiple credit cards at once, as this can lower your credit score
- Keep extra documentation handy in case the issuer needs further verification
Applying with preparation increases your chances of approval—and gives you faster access to the shopping perks Amazon Credit Cards are known for.
Amazon Credit Card: Interest Rates and Fees
Knowing the rates and fees helps avoid extra costs and keeps account management simple.
Secured Card:
- Annual Fee: $0
- APR: 10% (fixed)
- Late Fee: Up to $5
Good for users who want a basic, low-cost option. Make payments on time to protect credit. Set up auto-pay to avoid late fees.
Store Card:
- Annual Fee: $0
- APR: 29.99% (variable)
- Late Fee: Up to $38
Works best for regular Amazon shoppers. Late payments get expensive. Use alerts or auto-pay to stay on track.
Amazon Visa:
- Late/Returned Payment Fee: Up to $39
- Cash Advance APR: 29.99%
- Returned Checks: No extra fee
Keep payments current to skip penalty charges.
Amazon Credit Card: Contact and Support Info
Need help? Call customer service at 1 (888) 280-4331 for questions about your card, application, or account.
Mail can be sent to 410 Terry Ave North, Seattle, WA 98109-5210, but phone support works faster for credit card issues.
Support handles billing problems, account updates, and benefit questions.
Speed Up Your Amazon Credit Card Approval
Improve approval chances by staying prepared and showing financial stability.
- Check your credit score
- Update address, income, and job details
- Pay down debt to lower credit usage
- Avoid applying for multiple credit cards
- Have ID and income documents ready
- Make sure you meet all card terms
Maximize Benefits and Avoid Pitfalls
Make the most of your Amazon Credit Card by staying informed and avoiding common mistakes. Here’s what to watch for:
Take Advantage of the Grace Period:
- Pay your full balance each month to avoid interest.
- Most cards offer 21–25 days after the statement closes.
Always Make at Least the Minimum Payment:
- Missing even one payment can lead to fees and damage your credit.
- Set up automatic payments or reminders to stay on track.
Avoid Late and Missed Payments:
- Late fees can add up fast.
- Repeated missed payments may result in account suspension or higher interest rates.
Know Your Fees:
- Watch for foreign transaction fees, balance transfer fees, or cash advance charges.
- Read the card’s terms and conditions carefully.
Use Bonus Offers and Rewards:
- Look for limited-time cashback deals or extra points for certain purchases.
- If you’re a Prime member, you may unlock higher rewards.
Track Your Spending:
- Monitor purchases through the Amazon Credit Card app or your online account.
- Helps you stay within budget and avoid surprises.
- Staying organized and informed ensures you enjoy the benefits—without the stress.
Conclusion
Applying for the Amazon Credit Card is fast and secure. Choose the card that fits your budget and spending habits. Use the details in this guide to apply with confidence and manage your account smartly.