Understanding the features and application process of Amazon credit cards can help you maximize your savings.
Amazon offers a range of credit cards tailored to enhance your shopping experience and provide substantial rewards.
Lets dive into it.
Types of Amazon Credit Cards
Amazon provides several credit card options, each designed to cater to different customer needs:
- Prime Visa: Exclusively for Amazon Prime members, this card offers 5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases. It also provides 2% back at restaurants, gas stations, and on local transit and commuting, and 1% back on all other purchases. There’s no annual credit card fee, but a Prime membership is required.
- Amazon Visa: Available to all customers, this card offers 3% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases. It also provides 2% back at restaurants, gas stations, and on local transit and commuting, and 1% back on all other purchases. There’s no annual credit card fee.
- Amazon Store Card: Ideal for those who prefer shopping exclusively on Amazon, this card offers special financing options and, for Prime members, 5% back on Amazon purchases. It’s a store card, so it can only be used for Amazon purchases.
- Amazon Secured Card: Designed for individuals looking to build or rebuild their credit, this secured card requires a refundable security deposit and can be used for Amazon purchases. Prime members can earn 2% back on Amazon purchases.
Amazon Credit Card Apply
An Amazon credit card application consists of:
- Visit the Amazon Credit Card Marketplace: You can explore available credit card options on Amazon’s Credit Card Marketplace.
- Sing In: Create an account with your credentials.
- Select Your Preferred Card: Review each card’s features and benefits to determine which best suit your spending habits and financial goals.
- Initiate the Application: Click on the “Apply now” button associated with your chosen card. You’ll be redirected to the application page.
- Complete the Application Form: Provide the required personal and financial information, including your name, address, Social Security number, and annual income.
- Submit Your Application: After ensuring all information is accurate, submit your application for review.
The application process is similar for the Store Card and Secured Card, but is managed by Synchrony Bank.
Checking Your Amazon Credit Card Application Status
After submitting your application, you may want to check its status:
- Amazon Visa and Prime Visa: You can check your application status online by logging into your Chase account, navigating to the “Customer Center,” and selecting “Check my application status.” Alternatively, call the application status line at (888) 338-2586. WalletHub
- Amazon Store Card and Amazon Secured Card: Call Synchrony Bank at (866) 634-8379 to check your application status.
Understanding Interest Rates and Fees
It’s crucial to be aware of the financial terms associated with your card:
- Annual Percentage Rate (APR): The Amazon credit card APR varies depending on the card and your creditworthiness.
- APRs vary by card and creditworthiness. As of April 2025:
- Amazon Visa / Prime Visa APRs range from 21.49% to 29.99% variable.
- Amazon Store Card: up to 29.99% APR.
- Amazon Secured Card: 10% fixed APR.
Check official Chase or Synchrony Bank terms for current rates.
- Annual Fees: An Amazon credit card’s annual fee is 0. However, the Prime Visa requires an active Prime membership, which has its own annual cost of $139.
- Foreign Transaction Fees: The Prime Visa and regular Visa do not charge foreign transaction fees, making them suitable for international purchases.
Managing Your Amazon Credit Card Account
Effective management of your credit card account is essential:
- Online Account Access: Link your Amazon and Chase accounts to manage your Amazon Visa directly on Amazon. This integration allows you to view your balance, pay bills, and access transactions seamlessly.
- Mobile App: Utilize the Chase mobile app to manage your Amazon Visa on the go. For the Amazon Store Card and Amazon Secured Card, download the Synchrony Bank app for similar functionalities.
- Payment Options: Set up automatic payments to avoid missed due dates and potential late fees. Both Chase and Synchrony Bank offer this feature through their online portals.
Maximizing Your Rewards and Savings
To get the most out of your Amazon credit card:
- Combine with Amazon Prime: If you’re a frequent shopper, pairing your card with an Amazon Prime membership can unlock higher cashback rates and exclusive deals.
- Utilize Bonus Categories: Use your Amazon Visa for purchases in specific categories, such as dining and gas stations, to take advantage of higher cashback rates.
- Redeem Rewards Strategically: Use your accumulated rewards to offset future purchases on Amazon or apply them as statement credits, depending on which option offers the best value.
Contact Information for Customer Support
Should you need assistance:
- Amazon Visa and Prime Visa: Contact Chase customer service at (888) 247-4080.
- Amazon Store Card and Amazon Secured Card: Reach Synchrony Bank customer service at (866) 634-8379.
- Address: Synchrony Bank / Amazon, PO Box 71711, Philadelphia, PA 19176 – 1711.
Customer Service
If your questions are specifically related to account issues or if you need help with linking your card to your account:
- Amazon Customer Service Phone: (888) 280-4331
- Help Center: https://www.amazon.com/help
You can chat, email, or call from here, depending on your issue.
Final Thoughts
Applying for an Amazon credit card can be strategic if you frequently shop on Amazon or Whole Foods.
With no annual credit card fee and robust cashback benefits, especially for Prime members, it’s one of the more competitive retail cards available.
But make sure you understand the terms—especially APRs, fees, and how to manage your Amazon credit card account to avoid interest or late charges.
Disclaimer: This article is for informational purposes only and does not constitute financial advice. Credit card terms and conditions, including APRs, rewards, and eligibility, are subject to change. Always consult the official websites or your card issuer directly for the most up-to-date information.