FAQs
Yes, the Amazon Store Card will do a hard pull, also known as a hard inquiry, which may cause your credit score to temporarily go down a few points. You will need a credit score of at least 640 to get it, which is on par with what most store cards require.
How hard is it to get an Amazon Store Card? ›
Typically, you can qualify for Synchrony's Amazon store cards with a fair credit score (580 to 669). On the other hand, you'll likely need at least a good credit score (670 to 739) to qualify for one of the Amazon Visa cards from Chase.
Does the Amazon Store Card do a hard inquiry for credit increase? ›
An Amazon Store Card credit limit increase will result in a hard pull on your credit when you request it, and in a soft pull when the issuer reviews your account and offers an increase without you requesting one.
How do I qualify for an Amazon Store Card? ›
The Amazon.com Store Card requirements for approval include having a credit score of at least 640 (fair credit), and enough income to make monthly minimum payments. Plus, applicants must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification number.
What is the lowest credit score for Amazon credit card? ›
The Amazon.com Credit Card credit score requirement is 700 or better. That means people with at least good credit have a shot at getting approved for this card. The Amazon.com Store Card, on the other hand, requires a 640+ credit score (fair credit).
What credit report does Amazon Store Card use? ›
Amazon.com Store Card reports the card's credit limit, account balance, payment history, and more to all three of the major credit bureaus: TransUnion, Equifax, and Experian.
What is the Amazon store card limit? ›
Maria Adams, Credit Cards Moderator
The minimun credit limit on the Amazon.com Credit Card is $500, but your credit limit will depend on your credit score and income. But particularly creditworthy applicants could get limits a lot higher than that.
Do Amazon store cards have a limit? ›
No, the Amazon.com Store Card doesn't have a daily credit limit. You can, however, set a daily spending limit for your card by signing in to your online banking account. If you reach your set daily limit, the issuer won't allow further charges to your account until the following day.
How much does Amazon store card give you? ›
Once accepted, you get 5% back on every purchase you make with Amazon. You can use that reward to offset the balance of your bill or toward new purchases. You also get a $60 Amazon gift card after your application is approved. The Amazon Prime Store Card has financing options for orders of more than $149.
Do store cards do a hard inquiry? ›
Choose carefully: Applying for a retail credit card generates a hard inquiry on your credit report, which can have a negative effect on your credit score. If you only apply for one store credit card, this hit will be temporary.
In addition, when applying for a store credit card, the issuer may run a hard inquiry on your credit report, which can temporarily drop your score a few points.
Why credit score do you need for Amazon credit card? ›
To get approved for this card, you'll need to have a good credit score of at least 670, though having a higher one certainly won't hurt your chances.
What bank does Amazon Store Card use? ›
The Amazon Secured Card and Amazon Prime Secured Card, issued by Synchrony Bank, are unique credit cards each with two sets of features – the Secured Card features and the Store Card features.
Does Amazon Store Card require deposit? ›
Once approved for an Amazon Secured Card account, you will only be able to access the Secured Card features which requires you to make a security deposit to open your account. Your credit limit will equal to the amount of the security deposit.
Can you use an Amazon Store Card as a regular card? ›
Apart from Amazon.com and Amazon-branded physical stores, the Amazon Store Card and Amazon Secured Cards opened before January 1, 2021, may be used for purchases from merchant sites that accept payments using Amazon Pay. Items that currently may not be purchased with an Amazon Store Card include: Rentals.
Can you get Amazon Mastercard with bad credit? ›
Yes, you can get approved for an Amazon credit card with bad credit. The Amazon credit card for people with bad credit is the Amazon.com Secured Credit Card, which has a $0 annual fee, reports to the major credit bureaus each month, and does not have a minimum credit score requirement.
What credit score do you need for Walmart card? ›
You need a credit score of 640 or higher to qualify for a Capital One Walmart Rewards® Mastercard®. This implies that those with average to exceptional credit are more likely to get approved for the Walmart Credit Card.
What is the minimum credit score for Amazon pay later? ›
You will need a minimum Cibil Score of 750 and above to apply for the Amazon Pay ICICI Credit Card.
How many hard pulls is too many? ›
So, applying for credit sparingly can minimize credit damage. In general, having six or more hard inquiries is seen as too many. Having this many hard inquiries can significantly impact your score and make lenders more likely to deny you, even if your score is otherwise sufficient.
Does Amazon credit card build credit? ›
The Amazon Secured Card is built for people who are new to credit, or who would like to rebuild their credit. This card has no annual fee, can be used at Amazon.com and Amazon physical stores, and your payment activity is reported to major credit bureaus to help you build a credit history.
It's generally recommended that you have two to three credit card accounts at a time, in addition to other types of credit. Remember that your total available credit and your debt to credit ratio can impact your credit scores. If you have more than three credit cards, it may be hard to keep track of monthly payments.
What is the 5 24 rule? ›
The Chase 5/24 rule is an unofficial policy that applies to Chase credit card applications. Simply put, if you've opened five or more new credit card accounts with any bank in the past 24 months, you will not likely be approved for a new Chase card.
Can I only use my store card on my Amazon account? ›
This card can only be used for purchases and only at Amazon.com and merchants that accept Amazon Pay. The fact that Amazon.com Store Card cash advances are not an option might actually be a blessing in disguise.
Can you use Amazon credit card immediately? ›
How to use it instantly. Once approved for the card, you'll be able to access it from your Amazon account and use it to make Amazon purchases. (You'll have to wait for the physical card to show up to use it at other retailers.)
What credit score do I need to get an Amazon Prime Visa card? ›
What credit score is needed for the Amazon Prime Rewards card? Applicants with a good to excellent credit score — a 670 FICO score or higher or a 661 VantageScore or higher — have the best approval odds when applying for the Amazon Prime Rewards card.
What happens if I don't pay Amazon credit card? ›
The Amazon.com Credit Card late fee is up to $39. The fee applies when cardholders don't make the minimum payment by the due date. The Amazon.com Store Card, on the other hand, has a late fee of up to $40.
Does Chase verify income? ›
Sufficient Income — Chase will want to verify sufficient income to determine your ability to pay and to calculate the amount of your credit card limit.
Does Walmart accept Amazon credit cards? ›
The Amazon Credit Card can be used at Walmart. But that applies only if you have the Visa version of the Amazon Credit Card (you can find the Visa logo on its front). And it's not only Walmart, it's pretty much any merchant, anywhere in the world.
Is Amazon store card completely free? ›
The Amazon.com Store Card annual fee is $0, making it free to use if you pay your balance in full and on time every month. The combination of no annual fee and great cash back rewards on Amazon purchases makes the Amazon.com Store Card a good option for Amazon Prime members.
How to get free Amazon store cards? ›
11 Ways to Get Free Gift Cards for Amazon
- Join Kindle Unlimited 30-day free trial. ...
- Take the Amazon Prime Video 7-day free trial. ...
- Shop with Monetha app and get free gift cards. ...
- Get a $10 signup bonus with InboxDollars. ...
- Shop online with Rakuten. ...
- Earn cash back on groceries with Ibotta.
Top credit cards that offer preapproval without a hard pull
- OpenSky® Secured Visa® Credit Card.
- Petal® 2 "Cash Back, No Fees" Visa® Credit Card.
- Upgrade Cash Rewards Visa®
- Discover it® Secured Credit Card.
- Mission Lane Visa® Credit Card.
- Prosper® Card.
- Capital One QuicksilverOne Cash Rewards Credit Card.
Are store cards easier to get than credit card? ›
Retail credit cards are generally easier credit cards to get and may come with points, coupons or other perks from the retailer. The tradeoff is that these cards usually have higher APRs and lower credit limits than many unsecured credit cards offered by major credit card companies.
What triggers a hard inquiry? ›
A hard inquiry, also called a hard pull or hard credit check, requires your consent. It is triggered when you apply for credit, such as a mortgage, credit card, auto loan, student loan or personal loan. It doesn't happen if you are only looking for pre-qualification to decide whether to apply.
Does Walmart store card do a hard pull? ›
The Walmart Credit Card application will result in a hard inquiry. So, keep in mind that you will need at least fair credit (640+) to get the card. While the score is higher than what most store cards require, you will be able to use the card anywhere Mastercard is accepted.
What are three disadvantages of using a store credit card? ›
Cons of Store Credit Cards
- They Typically Have High Interest Rates. If you carry a balance, the interest rates on store credit cards are typically high. ...
- They May Charge Deferred Interest. ...
- Your Credit Limit Is Likely to Be Low. ...
- It May Not Be Widely Accepted.
Is Target credit card a soft pull? ›
Yes, the Target Credit Card does a hard pull on each applicant's credit reports. When credit cards like the Target Card do a hard pull, or hard inquiry, they check an applicant's credit reports to confirm their creditworthiness. Unfortunately, pre-qualifying with only a soft pull isn't an option.
Is Amazon credit card good everywhere? ›
You can expect to use your Amazon credit card anywhere that takes Visa. This means you can use it anywhere in the U.S., and in over 150 countries worldwide. Unlike store cards that are tied to use at a specific retailer, a Visa card connected to Amazon is a regular credit card in many ways.
Is it easy to get a Walmart card? ›
No, it is not hard to get a Walmart Credit Card, though it's not especially easy, either. You need a credit score of 640, at a minimum. This means people with fair credit or better should have a shot at approval. The same applies for the Walmart® Store Card, too.
How long does it take to get Amazon card? ›
Note: If you wish to order a gift card or a downloadable product, you must wait until you receive the physical Card in the mail, which can take up to 10 business days, because you will be prompted to enter the full Card account number.
Is Amazon store card through Chase? ›
Amazon Visa credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC.
Store Cards and Secured Cards are issued by Synchrony Bank. If you have questions about any of these cards, call 1-866-634-8379, available 24 hours a day.
Who is the creditor for Amazon credit card? ›
Customer Service for Financial Institutions
Card | Details |
---|
Amazon.com Store Card | Synchrony Bank http://www.syncbank.com/amazon 866-634-8379 24 hours a day, 7 days a week |
Amazon Secured Card | Synchrony Bank http://www.syncbank.com/amazon 1-855-597-4891 24 hours a day, 7 days a week |
3 more rows
How long does it take to pay Amazon Store Card? ›
How to Avoid Paying Interest Your due date is at least 23 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Can I transfer money from Amazon Store Card to bank account? ›
Yes, you can instantly add a bank account to withdraw money from your Amazon Payments account to a bank or building society account.
Can I use my Amazon store card on my wife's account? ›
You cannot add an Amazon.com Store Card authorized user, unfortunately. While Amazon does allow members of the same household to share payment methods by linking their accounts together, that's not the same as adding an authorized user.
Does Amazon pull your credit for a credit card? ›
Adam McCann, Financial Writer
Yes, applying for an Amazon card does hurt your credit score by a small amount. When you apply for either the Amazon.com Credit Card or the Amazon.com Store Card, you must authorize a hard pull of your credit, which will temporarily drop your credit score by 5 to 10 points.
Does Amazon Store Card count as a credit card? ›
The Amazon Secured Card and Amazon Prime Secured Card, issued by Synchrony Bank, are unique credit cards each with two sets of features – the Secured Card features and the Store Card features. The two credit features have some different rates, fees and rewards.
Do store cards do a hard pull? ›
If you choose to apply for a store card, the issuer will always perform a hard pull of your credit report. A hard pull will likely cause a small drop in your credit score, but it should bounce back quickly.
What happens if you get an Amazon credit card but don t use it? ›
There's no fee, but they will close the card if you don't use it for two years.
Is the Amazon Prime store card metal? ›
Yes, the Amazon Prime Credit Card is metal. It is also worth noting that this card is an upgraded version of the Amazon.com Credit Card for cardholders with a Prime membership. This card is also made out of metal. The Amazon.com Store Card, on the other hand, is a plastic credit card.
Retail credit cards are generally easier credit cards to get and may come with points, coupons or other perks from the retailer. The tradeoff is that these cards usually have higher APRs and lower credit limits than many unsecured credit cards offered by major credit card companies.
Is Kohls card soft pull? ›
You can prequalify for the Kohl's Credit Card on Capital One's pre-qualification page, which will not affect your credit score as it will be a soft pull. However, if you do prequalify and want to get the card, you will need to submit an actual application which will result in a hard pull.
Is synchrony a hard or soft pull? ›
Yes, Synchrony Bank, like any other issuer for that matter, will do a hard pull when you apply for a credit card. Most Synchrony Bank credit cards require fair credit to apply, but the credit score effects should be negligible.
Does synchrony bank do a soft pull? ›
Pre-approvals use soft inquiries of your credit, so it will not affect your credit report. A pre-approved offer does not guarantee you'll get the card, but it does mean you have a 90% chance of approval, though.