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How to Get an Amazon Credit Card

Updated on March 23, 2018
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Richard Hale is a personal finance and credit author that covers a wide range of topics to help guide you to smart decisions.

So You Want An Amazon Credit Card

While most people don't know, there's actually several Amazon credit cards that you can apply for. Before we get to those requirements and my recommendations to help you get an Amazon card, I want to explain something that's often mistaken.

If you're wanting to get an Amazon Store Card, that's a little different than Amazon's other credit cards. For the Amazon Store Card, you likely won't need great credit to get approved for the card.

Analyzing reviews for the Amazon Store Card, I've seen credit scores as low as 570 get approved for this specific card. Please note, that doesn't mean your 570 credit score will be approved, but it's possible.

Amazon Credit Card

Now, if you're looking to get an Amazon credit card, you'll have a few different choices depending on your credit score. Below, you'll find which credit cards are available to you and the benefits to each.

Amazon Store Card

The Amazon Store Card has a number of different benefits for those who get approved. Let's look at what this card gives you.

  • 6-month special financing on any purchase totaling $149 or more7
  • 12-month special financing on any purchase totaling $599 or more7
  • 24-month special financing on select Amazon-sold items7
  • Equal monthly payment financing options available on select items7
  • 5% back for eligible Amazon Prime members4
  • No annual fees

Reviews: 4.1/5.0 (102,271)

Purchase APR: 27.24 percent

Sign Up Offer: $10 Amazon.com gift card

Amazon Prime Rewards Visa Signature Card

The Amazon Prime Rewards Visa Signature Card has a few great benefits for you to take advantage of. It's a great card to have if you already have a Prime membership or have been considering it.

  • No annual credit card fee
  • No foreign transaction fees
  • 5 percent back at Amazon.com and Whole Foods Market
  • 2 percent back at restaurants, gas stations and drugstores
  • 1 percent back on all other purchases

Reviews: 4.2/5.0 (29,420 total reviews)

Purchase APR: 15.49% to 23.49%

Balance Transfer APR: 15.49% to 23.49%

Requirements: Must be a Prime member

Other Perks: Purchase protection, travel accident insurance

Amazon Rewards Visa Signature Card

The Amazon Rewards Visa Signature Card has a wide range of benefits for you to take advantage of. It's a great card to have and will give you a $50 gift card when you sign up.

  • No annual credit card fee
  • No foreign transaction fees
  • 3 percent back at Amazon.com and Whole Foods Market
  • 2 percent back at restaurants, gas stations and drugstores
  • 1 percent back on all other purchases
  • Instant $50 Amazon.com gift card

Reviews: 4.2/5.0 (29,420 total reviews)

Requirements: Must be a Prime member

Other Perks: Purchase protection, travel accident insurance

How To Get Approved For An Amazon Credit Card

If you're wondering if you can get approved for an Amazon credit card, you need to have good credit. If you have bad credit, no credit or negative marks on your credit history, I wouldn't recommend applying.

Typically, you need to have a credit score of 660-720.

I've seen some people with a credit score as low as 615 be approved, but it all depends on your credit history.

You can use Credit Karma to check your credit scores for free.

Comments

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    • vocalcoach profile image

      Audrey Hunt 

      4 weeks ago from Idyllwild Ca.

      Thanks for this information. It's good to know the facts before applying for a credit card.

    • bhattuc profile image

      Umesh Chandra Bhatt 

      3 months ago from Kharghar, Navi Mumbai, India

      Well explained. Good and useful article. Thanks.

    • profile image

      Akpotohor Sunday 

      12 months ago

      href="https://www.quotedg.com/comerica-visa-credit-card-... Visa credit card is issued by Comerica Bank. It offers cardholders some decent benefits, which makes their transactions via the card, much more rewarding. Card can be used anywhere Visa is accepted.

    • Frank Atanacio profile image

      Frank Atanacio 

      2 years ago from Shelton

      Whats in my wallet? I haven't changed cards in decades, but I do use amazon a lot.. maybe there will perks..:) thanks for the easy to follow guide my friend..:)

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