The Amazon Credit Card gives you cashback and rewards every time you shop.
It’s built to help you save more, especially if you’re a regular Amazon or Whole Foods customer.
This guide teaches you how to apply, use rewards, and maximize every purchase.
Types of Amazon Credit Cards
There isn’t just one Amazon credit card — several, each with its own features.
The right one depends on your shopping habits, credit score, and whether you’re a Prime member.
Here are the main types of Amazon credit cards you can choose from:
Amazon Prime Rewards Visa Signature Card
- Best for: Amazon Prime members
- Rewards: 5% back at Amazon and Whole Foods, 2% at restaurants, gas stations, and drugstores, 1% everywhere else
- Bonus: Gift card instantly upon approval
- Issuer: Chase
Amazon Rewards Visa Signature Card
- Best for: Non-Prime members
- Rewards: 3% back at Amazon and Whole Foods, 2% at restaurants, gas stations, and drugstores, 1% everywhere else
- Bonus: Smaller gift card upon approval
- Issuer: Chase
Amazon Store Card
- Best for: Amazon shoppers who don’t need Visa functionality
- Rewards: 5% back on Amazon (for Prime members only)
- Bonus: Promotional financing options on certain purchases
- Use: Only works on Amazon.com
- Issuer: Synchrony Bank
Amazon Secured Card
- Best for: Building or rebuilding credit
- Rewards: 2%–5% back (for Prime members)
- Deposit: Requires a refundable security deposit
- Use: Only works on Amazon.com
- Issuer: Synchrony Bank
Eligibility Requirements
Before applying for an Amazon credit card, knowing if you meet the basic requirements is important.
These vary slightly depending on the card, but most follow the same core rules. Here’s what you need to be eligible:
- Age: You must be at least 18 years old.
- Residency: You need a valid U.S. residential address.
- Identification: A Social Security Number (SSN) or Individual Taxpayer ID Number (ITIN) is required.
- Amazon Account: You must have an active Amazon account.
- Prime Rewards Visa – Usually requires a credit score of 670 or higher.
- Amazon Store Card – May approve applicants with a credit score in the 600 range.
- Amazon Secured Card—This card is ideal for those with low or no credit. Approval is less dependent on credit score but does require a refundable security deposit.
- Prime Membership: This is required only for the Prime Rewards Visa or to get 5% back on the Store Card.
- Legal Status: You must be a U.S. citizen or permanent resident.
How to Apply
Applying for an Amazon Credit Card is straightforward and can be done online or in person. Here’s how you can apply:
- Choose Your Card: Visit Amazon’s Credit Card Marketplace to select the card that suits your needs.
- Start Application: Click “Apply now” next to your chosen card.
- Provide Information: Fill out the application form with your personal and financial details.
- Submit Application: Review your information and submit the application.
- Await Decision: You may receive an instant decision. If not, the issuer will contact you with their decision.
Welcome Bonuses and Sign-up Offers
When you apply for for this credit card, you may get a welcome bonus or sign-up offer.
These offers give you instant value and are a big reason many choose these cards. Here’s what each card typically offers:
- Amazon Prime Rewards Visa Signature Card – Upon approval, you usually receive a $100 Amazon Gift Card instantly. No spending required to earn it.
- Amazon Rewards Visa Signature Card—Upon approval, you can receive a $50 Amazon Gift Card. This is available even if you’re not a Prime member.
- Amazon Store Card—After you’re approved, you often receive a $60 Amazon gift card. You must have a Prime membership to qualify for this bonus.
- Amazon Secured Card – Does not offer a sign-up bonus, since it’s focused on helping you build credit.
Rewards and Cashback Explained
Amazon credit cards give you cashback, mainly for shopping on Amazon and at Whole Foods.
How much you earn depends on your card and if you’re a Prime member. Here’s a quick breakdown of how rewards work:
- Amazon Prime Rewards Visa Signature Card – Get 5% back at Amazon and Whole Foods, 2% at select stores, and 1% elsewhere. Requires Prime.
- Amazon Rewards Visa Signature Card – Get 3% back at Amazon and Whole Foods, 2% at select stores, and 1% on others. No Prime needed.
- Amazon Store Card – Prime members get 5% back on Amazon purchases. Non-Prime users get access to special financing but no cashback.
- Amazon Secured Card – Prime members earn 2% to 5% back on Amazon purchases. No rewards for non-Prime users.
Fees, APR, and Charges
Before applying for an Amazon credit card, it’s essential to understand the costs involved.
These include annual fees, interest rates (APR), and other possible charges. Here’s a breakdown of what you can expect based on each card:
Amazon Prime Rewards Visa Signature Card
- Annual Fee: $0 (but Prime membership is required, which costs $139/year)
- APR: Variable, usually around 19.49% to 27.49%, based on credit
- Foreign Transaction Fee: None
- Late Payment Fee: Up to $40
- Cash Advance Fee: Either $10 or 5% of the amount (whichever is greater)
Amazon Rewards Visa Signature Card
- Annual Fee: $0
- APR: Variable, typically 19.49% to 27.49%
- Foreign Transaction Fee: None
- Late Payment Fee: Up to $40
- Cash Advance Fee: Either $10 or 5%
Amazon Store Card
- Annual Fee: $0
- APR: Around 29.99% (variable)
- Foreign Transaction Fee: Not applicable (card can’t be used outside Amazon)
- Late Payment Fee: Up to $41
- Returned Payment Fee: Up to $29
Amazon Secured Card
- Annual Fee: $0
- APR: 10% fixed for purchases
- Security Deposit: $100–$1,000 (refundable, based on approval)
- Late Payment Fee: Up to $40
- Returned Payment Fee: Up to $29
Contact Information
If you need help with your Amazon credit card, it’s best to contact the right support team based on your card type.
Below are the official customer service phone numbers for each Amazon credit card:
Amazon Prime Rewards Visa Signature Card & Amazon Rewards Visa Signature Card
- Customer Service: 888-247-4080 (24/7)
- International Support: 302-594-8200
Amazon Store Card & Amazon Secured Card
- Customer Service: 866-634-8379 (24/7)
General Amazon Customer Support
- Phone Number: 888-280-4331 (24/7)
Final Tips and Recommendations
Before applying, reviewing a few final tips is smart to ensure you get the most out of your Amazon credit card.
These simple steps can help you earn more rewards and avoid common mistakes. Here are five quick recommendations:
- Pick the right card based on your credit score and your Prime membership.
- Pay your balance in full each month to avoid interest charges.
- Use the card mainly on Amazon and Whole Foods for the highest cashback rates.
- Look for limited-time promotions or bonus categories to earn extra rewards.
- Track your points and use them at checkout or as a statement credit so they don’t go to waste.
To Conclude
Amazon credit cards offer solid rewards, especially if you shop often on Amazon or at Whole Foods.
With the right card, you can save more on everyday purchases and earn useful perks.
If it fits your spending habits, apply now and start unlocking your rewards.
Disclaimer
Terms, rates, and rewards mentioned may change, so you should confirm them on Amazon’s official website before applying.
This article is for informational purposes only and does not constitute financial advice.