FAQs
Applying for the card will drop your score a bit, regardless of whether you're approved or denied. This is easy to bounce back from after a few months of responsible use. The Amazon Store Card's issuer will report your payment status to the credit bureaus on a monthly basis.
Is Amazon Credit Card really free? ›
Erinn Dimond, WalletHub Writer
All of the Amazon credit cards are free in the sense that none of them charge annual fees, and you can avoid interest charges by paying your bill in full monthly.
Is an Amazon Credit Card safe? ›
Yes, the Amazon Credit Card is safe. This card is issued by Chase on the Visa network and has standard security features such as $0 fraud liability protection and a 3-digit security code printed on the back. Keep in mind that if your card is ever lost or stolen, you will need to call customer service at (888) 247-4080.
What are the benefits of having an Amazon Credit Card? ›
Amazon Prime Store Card
- Rewards. 5% back on Amazon.com.
- Welcome bonus. $80 Amazon gift card instantly upon approval.
- Annual fee. $0.
- Intro APR. Pay no interest on all Amazon purchases of $150 or more if the entire purchase amount is paid in full within 6, 12 or 24 months.
- Regular APR. ...
- Balance transfer fee. ...
- Foreign transaction fee.
Does Amazon card build credit? ›
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 credit score is needed for an 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. Subscribe to the CNBC Select Newsletter!
Is there a monthly fee with Amazon Credit Card? ›
The Prime Visa card doesn't charge an annual fee, but you'll have to pay for an eligible Amazon Prime membership. Not including taxes, membership fees are either $14.99 per month or $139 per year. The Prime Visa card doesn't charge an annual fee, but you'll have to pay for an eligible Amazon Prime membership.
Do you have to pay back Amazon credit? ›
No interest will be charged on the promotional purchase balance (which includes the purchase amount, taxes, shipping charges and any optional debt cancellation charges related to the relevant purchase) and equal monthly payments are required in the amount of the total initial promotional purchase (including the ...
How much will Amazon Credit Card give me? ›
5% back or 3% back at Amazon.com, Whole Foods Markets and the participating Amazon stores and sites: You'll earn 5% back with an eligible Prime membership or 3% back without an eligible Prime membership for each $1 of eligible purchases made using your card account at Amazon.com (including digital downloads, Amazon.com ...
What bank is the Amazon Credit Card through? ›
Amazon Visa credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply.
The fee for the Amazon Store Card security program is $1.66 per $100 of your monthly ending balance. Each month, the cost is billed to your account, so there is no extra bill or check to write.
Is an Amazon Credit Card hard to get? ›
You'll likely need at least a good credit score (670 to 739) to qualify for the co-branded Amazon Prime Visa. This means you may need to work on improving your credit score if you're below that range and still prefer the Prime Visa's offerings.
How much does Amazon Credit Card affect your credit? ›
The good news is that even though applying for an Amazon card will hurt your credit, the damage will be minor and won't last long. Your score should bounce back after a few months of responsible credit use. You should strive to always pay on time, and in full if possible.
Is Amazon Credit Card good for gas? ›
AT A GLANCE. Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and unlimited 1% back on all other purchases.
Can you cancel an Amazon Credit Card? ›
If you want to cancel your Amazon Store Card, you will have to call (866) 634-8379 instead; the store card is issued by a different bank. There is no fee associated with closing your account, but you will have to pay off any outstanding balances.
Does Amazon Pay credit card affect credit score? ›
Absolutely, the Amazon Pay ICICI credit card can help you improve your CIBIL score. This is due to one simple fact: the Amazon Pay ICICI payment card generates reward points, which can be earned and then redeemed for cash.
Does Amazon Credit Card show up on credit report? ›
After the Amazon Credit Card reports your account information to a credit bureau each month, it may take a few days before the updates appear on your credit report.
Does Amazon Credit Card do a hard pull? ›
Yes, the Amazon Store Card does a hard inquiry on your credit report when you apply.
Does Amazon subscription affect credit score? ›
Failure by you or anyone who pays your premium on your behalf to keep up your monthly payments will be reflected in your credit score.