The Amazon credit card is a group of credit cards available to U.S. customers through Amazon and its partner banks.
You can apply fully online, manage the card digitally, and make payments through several channels.
This guide explains how the cards work, how to apply online, interest rates, approval odds, official contact details, and whether the card is worth getting.
What Is the Amazon Credit Card?
Amazon offers two main types of credit cards in the United States.
The Amazon Store Card, issued by Synchrony Bank, is designed mainly for purchases on Amazon and related sites.
The Amazon Visa cards, issued by Chase, can be used anywhere Visa is accepted, both online and in physical stores.
Types of Amazon Credit Cards Available
Amazon currently offers the following main card options.
Amazon Store Card / Prime Store Card is best suited for shoppers who primarily buy on Amazon.
It cannot be used outside Amazon-supported platforms, since you link this Amazon credit card on account.
Amazon Visa / Amazon Prime Rewards Visa works anywhere Visa is accepted and offers higher flexibility for everyday spending.
How to Apply for an Amazon Credit Card Online
Before applying, decide whether you want a Store Card or a Visa card.
Store cards are often available to applicants with fair credit. Visa cards usually require good to excellent credit history.
Apply Through Amazon or the Issuing Bank
Most applicants apply directly through their Amazon account.
You will be asked to provide basic personal information, including your legal name, address, income, and Social Security number.
You may also be redirected to the issuing bank’s secure application system, depending on the card selected.
Submit and Receive a Decision
Many applicants receive an instant decision after submission.
If approved, you can often start using the card digitally right away while waiting for the physical card to arrive.
Amazon Credit Card Odds of Approval
Approval depends on several factors, including credit score, income, existing debt, and payment history.
Store Card is generally accessible to applicants with fair credit, often around the mid-600s or higher.
Visa cards usually require good to excellent credit, often starting in the high 600s or higher.
Having a stable income, low debt, and a positive payment history improves approval odds. No application guarantees approval.
Interest Rates, Fees, and Charges
Interest rates vary depending on the card type and your credit profile.
Amazon Visa Cards (Issued by Chase)
Variable APR: about 18.99% to 27.74% (for purchases).
Annual Fee: $0 for most versions.
Amazon Store Card (Issued by Synchrony Bank)
Purchase APR: Variable and often higher, depending on creditworthiness.
Annual Fee: Typically $0.
Interest rates can change over time. Always review the current terms during the application process before accepting an offer.
How to Pay Your Amazon Credit Card
You have several options to pay your balance.
You can log in to your card issuer’s online account to make one-time or recurring payments. This is the most common payment method.
You can also pay with an Amazon credit card on the phone.
These options are helpful if you prefer speaking with a representative or using automated systems.
Official Bank Contact Information
Always use the phone number printed on the back of your card for account-specific concerns.
Synchrony Bank (Amazon Store Card)
Customer Service Phone: 1-866-634-8379
Mailing Address:
Synchrony Bank
PO Box 71735
Philadelphia, PA 19176-1735
Chase Bank (Amazon Visa Cards)
Customer Service Phone: 800-432-3117
Payment Mailing Address:
Cardmember Services
P.O. Box 6294
Carol Stream, IL 60197-6294
Is the Amazon Credit Card Worth Getting?
Whether the card is worth getting depends on your spending habits.
Advantages
- Strong rewards for Amazon and Whole Foods purchases.
- No annual fee on most versions.
- You can manage your Amazon credit card on the app.
- Easy online application and digital management tools.
- Convenient payment options, including app and phone payments.
Things to Consider
- Store cards are limited to Amazon purchases only.
- Interest rates can be high if you carry a balance.
- Visa cards require stronger credit for approval.
- For frequent Amazon shoppers who pay balances in full each month, the rewards can provide real value. For users who carry balances, interest charges may outweigh benefits.
Competitors
Here’s a comparison that shows how the Amazon credit card stacks up against some common competitor cards in the U.S. market.
| Feature / Card | Amazon Prime Rewards Visa | Chase Freedom Unlimited | Citi Double Cash | Costco Anywhere Visa |
|---|---|---|---|---|
| Type | Co-brand rewards (Amazon & Visa) | General cash-back | Flat cash-back | Co-brand rewards (Costco & Visa) |
| Best for | Frequent Amazon/Whole Foods buyers | Everyday spending with multiple bonus categories | Simple high reward rate on all purchases | Costco members with broad everyday spending |
| Annual Fee | $0 (Prime membership required for max rewards) | $0 | $0 | $0 (Costco membership required) |
| Rewards – Amazon/Online Purchases | 5% back at Amazon.com, Amazon Fresh, Whole Foods (with Prime) | Standard 1.5% back on most purchases (no category bonus for Amazon) | 2% total back (1% purchase + 1% pay) on all spending (no category bonus) | Generally 2% back on Costco purchases; not specific Amazon bonus |
| Rewards – Other Categories | 2% back at gas stations, restaurants, transit; 1% on all else | 5% back on Chase travel, 3% on dining & drugstores; 1.5% everywhere | Flat 2% back everywhere after payment | 4% back on gas (up to cap), 3% on restaurants & travel, 2% on Costco purchases |
| Foreign Transaction Fees | Typically none (Visa standard) | None for Freedom Unlimited | Often 3% (varies by issuer) | None (Visa standard) |
| APR Typical Range | Variable based on credit (often high teens to mid-20s) | Variable (often high teens to mid-20s) | Variable (often high teens to mid-20s) | Variable (often high teens to mid-20s) |
| Welcome Bonus | Sometimes gift card bonus for Prime members | Some cash bonus after minimum spend | Bonus may be offered, varies by issuer | Varies by issuer and membership promotions |
| Ease of Approval | Good credit usually needed for Visa version | Good to excellent credit | Good to excellent credit | Excellent credit often preferred |
| Use Case Summary | Best if you shop on Amazon often | Flexible card for broad spending | Best simple reward rate on everyday spend | Best for Costco shoppers and large purchases |
Conclusion
Applying for an Amazon credit card in the U.S. is a fully online process that can be completed in minutes.
Choosing the right card type improves your odds of approval and long-term satisfaction.
Used responsibly, the card can be a useful tool for regular Amazon shoppers.
Disclaimer: This article is for informational purposes only and does not constitute financial advice. Credit card terms, interest rates, fees, and approval requirements may change at any time. Always review the official terms and disclosures provided by the issuing bank before submitting an application.
