You need fair credit (a credit score of 640 to 699) to qualify for the Amazon Store Card. The better your credit score is and the more income you have, the higher your odds of getting approved for the Amazon Store Credit Card will be.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Amazon Store Card, too.
Other Factors Considered When You Apply for the Amazon Store Card:
- Income
- Existing debt load
- Number of open accounts
- Recent credit inquiries
- Employment status
- Housing status
If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the Amazon Store Card credit score requirement. If you’d like to know where you stand, you can check your credit score for free, right here on WalletHub.
This answer was last updated on 07/22/24 and it was first published on 04/09/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
FAQs
Typically, you can qualify for Synchrony's Amazon Store Card with a fair credit score (580 to 669).
Is it hard to get approved for the Amazon Store Card? ›
The Amazon Store Card requirements for approval include having a credit score of at least 640 (fair credit), and enough income to make monthly minimum payments.
Can I get an Amazon Credit Card with a 550 credit score? ›
Both the Amazon Credit Card and the Prime Visa are for people with good or excellent credit scores of 700+, while the Amazon Store Card accepts fair credit (640+ credit score) and the Amazon Secured Credit Card is for bad credit (300+ credit score).
Does Amazon Store Card require a credit check? ›
The Store Card is available to customers with an Amazon.com account, subject to credit approval. The Prime Store Card, an upgrade from Amazon Store Card, is available to customers with an Eligible Prime Membership only, subject to credit approval.
What's the easiest credit card to get? ›
The Discover it® Secured Credit Card is our top pick for easiest credit card to get because it's geared toward those with limited / poor credit. It offers great rewards and charges a $0 annual fee.
What store credit card is easiest to get with a 580 credit score? ›
The best store credit card you can get with a 580 credit score is the Amazon Secured Credit Card, which has a $0 annual fee and offers 2% cash back on Amazon purchases if you are a Prime member.
Does Amazon credit card give instant approval? ›
You may be instantly approved for the Amazon Credit Card, if you're a clear match for the card's approval requirements. Otherwise, it could take as long as two to four weeks to receive a decision on your application. The same goes for the Amazon Store Card, too.
How much income do you need for an Amazon credit card? ›
You need enough income to afford monthly bill payments on the Amazon Credit Card. While the terms and conditions of the Amazon Credit Card do not disclose a specific minimum income requirement, the higher your income is, the more likely you are to be approved.
Which credit bureau does Amazon Store Card use? ›
The Amazon Store Card reports to the credit bureaus once each month, within days after the end of your monthly billing period. Synchrony Bank reports the card's credit limit, account balance, payment status, and more to TransUnion, Equifax, and Experian.
What credit score is needed for a Walmart credit card? ›
You only need fair credit to qualify for a Walmart Credit Card, so you should have a good chance of getting approved as long as your credit score is 640 or higher, you have a steady income, and you're both a U.S. resident and 18+ years old. The same applies for the Walmart® Store Card, too.
Yes, the Amazon Store Card builds credit, since Synchrony Bank reports your account information to all three major credit bureaus each month. Making on-time payments and keeping your balance low will improve your score. On the other hand, missing payments and maxing out your limit can hurt your credit.
What is the minimum credit limit for Amazon Credit Card? ›
Everyone who gets approved for Amazon Credit Card is guaranteed a credit limit of $500 no matter how creditworthy they are. If you are looking for a higher credit limit than $500, you should apply for a credit card from a different issuer.
How to qualify for an Amazon Store Card? ›
You are more likely to be approved for this card if your credit score* meets the following minimum criteria:
- Excellent: Credit score above 720.
- Good: Credit score above 680.
- Fair: Credit score above 640.
The hard inquiry allows Synchrony Bank to determine your credit risk and ultimately decide whether you'll be approved for an account. The Amazon Store Card requires fair credit to be approved. You can check your credit score by signing up for a free WalletHub account.
Can I use my Amazon Store Card like a regular credit card? ›
You can use your card to make purchases beyond Amazon.com using Amazon Pay. And you have the option to choose 0% APR financing with 6 equal monthly payments on qualifying Amazon Pay purchases*.
What is the lowest Amazon card? ›
Amazon.com Gift Cards are available in $25, $50, and $100 denominations at participating grocery, drug, and convenience stores throughout the U.S. At select stores, you can also choose a variable denomination card, which can be loaded with any amount between $25 and $500.
Can I get pre-approved for an Amazon Credit Card? ›
You can prequalify online for Amazon store card through Synchrony Bank. The Amazon Visa may be another story. It's handled by Chase Bank.
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