The Amazon.com Store Card is one of the popular credit cards issued by Synchrony Bank. Although the Amazon Store Card (issued by Synchrony Bank) has a couple of special 0% interest financing options whether you are a Prime member or not, the true value of the card is in the rewards you’ll earn on Amazon purchases.
Amazon Store Credit Card offers special financing plans for large Amazon purchases. Amazon.com cardholders get deferred interest financing on eligible Amazon purchases of more than $149.
Therefore, you need to understand that deferred interest plans are different from 0% introductory APRs. With deferred interest, if you make a late payment or fail to pay back the balance on time you will immediately be charged interest on the full starting balance for the entire length of the term.
This makes them a bit risky to use, meanwhile, as long as you pay them in due time, they will work out fine.
The card offers the same benefits as the standard Amazon Store Card, with a lower barrier to entry, provided the applicant has some cash to set aside upfront.
Furthermore, there are Equal Pay financing offers for select merchandise of $300 and more. These are a better bet because they don’t use deferred interest. If you have an Amazon Prime membership you will be given the Amazon Prime Store Card, which earns 5% cash back on all Amazon purchases unless a special financing plan is chosen.
But if you don’t have a Prime membership you won’t earn any rewards with this card. As a retail store credit card, the Amazon card will be relatively easy to qualify for, compared to general-use reward credit cards.
Amazon Store Card is useful for frequent Amazon shoppers. The Amazon.com Store Card has no annual fee, and can only be used at Amazon.com.
Key Features of Synchrony Amazon Store Card
====> 25.99% Variable APR on purchases
====> No annual fee
====> No foreign transaction fee
====> Instant credit decision in as little as 15 seconds
====> 6 month Special Financing on purchases of $150 or more
====> 12 month Special Financing on purchases of $600 or more
====> 24 month Special Financing is available on select purchases of $800 or more
====> Zero fraud liability, you are protected from any unauthorized charges on your Amazon.com Store Card account
Amazon.com Store Card Pros
====> Special financing option is one of the leading pros of Amazon Store Card. If you are not a Prime member, or if you decide you want to forgo rewards in exchange for extra time to pay off a purchase at 0% APR. You can select one of two options that will be displayed during checkout.
The first option allows you to pay no interest if the purchase is paid in full within six, 12 or 24 months (the promotional period offered depends on purchase price). While you can split your purchase into equal monthly payments.
====> Earn rewards on Amazon.com purchases
====> Opportunity to graduate to an unsecured card with responsible use
====> May be offered as an alternative option for those that do not qualify for the unsecured version
====> Rewards for Prime members, this goes to prime member alone. If you have an eligible Amazon Prime membership when you apply for the card, you will get an automatic upgrade to the Amazon Prime Store Card, subject to credit approval. This allows you to earn 5% back on all of your Amazon.com purchases, the true benefit of this card.
Amazon Store Card Cons
====> Deferred interest if you are using a promotional financing offer and don’t pay off the purchase by the time it ends. You will be charged interest on your remaining balance back to the date of purchase. This is a common (and costly) interest structure on retail cards
====> Rewards can only be redeemed for Amazon credit. The 5% reward is great if you are someone who is on a first-name basis with the Amazon delivery guy. But with no other redemption options, it’s of little use to once-in-a-while shoppers.
====> Amazon Store Credit card has High APR, which is not a good one about the store card. Most store cards have higher APRs than what you would find on regular credit cards.
====> Puny sign-up bonus, a $10 instant account credit might seem appealing when you are about to check out. But that alone shouldn’t influence you to apply for the Synchrony Amazon Store Card if it is not otherwise a good fit for you.
====> Not currently available to new cardholders
====> Requires a security deposit
====> Can only be used to make purchases at Amazon
Amazon Store Credit Card at Glance
The Credit Builder is a secured version of the Amazon.com Store Card, with a credit limit based on the initial deposit.
====> Secured credit card, you are to deposit as little as $100
====> Eligibility for promotional financing on purchases of $150 or more
====> Upgradable to standard, unsecured Amazon.com Store Card
====> $0 annual fee
====> Earn 5% cash back with a subscription to Amazon Prime
Fees and Rate of Synchrony Amazon.com Store Card
====> Annual Fee: $0
====> Foreign Transaction Fee: $0
====> Cash Advance Fee: $0
====> APR: 25.99% Variable APR on purchases
How to Apply for Amazon.com Store Card
This part of the article will run through a complete guide to applying for Amazon Store Card, the steps are very simple, you only need to follow the guide in the article.
Step 1 ====> You need to log into your Amazon account. Before you apply, you will need to either create an Amazon account or log in to your existing one.
Make sure you sign in to the account you would like to have linked with the credit card that you apply for. If you are using the Amazon app, you will probably already be signed in
Step 2 ====> Now you need to find the card that you would like to apply for. Head to the Credit Card Marketplace to look through each card offer. You may go straight to the page of the card you would like to apply for. You can double-check the terms and conditions as well as read customer reviews to make your final decision.
Step 3 ====> Click Apply now on the page of the card you chose. Once you decide on a card, click on the credit card and then hit the button that says Apply now.
This will redirect you to the bank’s page and Amazon may ask you to log in again to double check that it is really you. Although the credit card is through Amazon, you have to apply on the bank’s website since it’s technically their credit card.
Step 4 ====> Fill out the application fully with your information. Make sure all of the information you put on the application is accurate to avoid delaying your acceptance.
====> Have your driver’s license, social security card, and address nearby to fill it out so you don’t have to get up and search for them later on.
====> The first section of the application process will ask for personal information such as full name, physical address, and email address. The physical address must be a US address. Click Continue or scroll down for the next page.
====> The next section or page will ask for your phone number, social security number, date of birth, and mother’s maiden name. Fill it in accordingly, then scroll down or click Continue.
====> The next section or page will be asked for information on your finances (e.g., annual net income). Provide all the information asked, and scroll down or click Continue.
Step 5 ====> Move to the next page to read through the terms and conditions as well as the fees and prices of the card, which you should read through carefully before you move on.
Step 6 ====> Submit the application, make sure you filled out all of the necessary information in your application, and that you didn’t leave any required fields blank. Click the I agree option at the very bottom of the page before clicking Submit.
Wait to get your card or notification. Now all you have to do is wait for the approval (or rejection) on your application. If your application is approved, you will get a response within a few seconds, and you can begin using your card number on Amazon immediately.
NOTE: Submitting an inaccurate application can lengthen the approval process for your credit card, so it’s very important to double check all of your information before submitting it.
The actual card will be mailed to the address you entered, and you should receive it within 7 to 10 business days.
You may not be approved if your credit score is lower than 640 or you have no credit history at all
If you aren’t approved, you will receive a notification from the bank within 2 to 4 weeks.
Synchrony Amazon.com Store Card Login Guide
You have just completed the application process, now we need to log in to access your online account. Just like what we did in the application process, we will repeat the same here.
Step 1 ====> Head over to the Amazon Credit Card page on your browser
Step 2 ====> Enter your Username and password in the space provided
Step 3 ====> Mark remember me BOX to save your details on your devices
Step 4 ====> Finally, click Sign in to access your online account
Once you completed these steps, you will be able to access your Amazon credit card details online.
How to Activate Amazon Store Credit Card
Once you have your credit cards, you need to activate them before you can be using them. Without activation, this card is useless as they will not function. Here is how you can activate your Amazon credit card
Step 1 ====> You can activate your card online. Enter your User ID and password to sign in to your account.
Step 2 ====> Next, you will have the option to verify the receipt of your card as well as activating your Amazon Store Card
Recover Forgot Amazon Credit Card user Details
Sometimes, we misplace our login details due to one reason or the other. You should not worry too much about this, you will be guided through the complete steps to reset login details on Amazon credit card chase
Step 1 ====> From the same homepage as the one mentioned above
Step 2 ====> Locate and click Forgot username or password? from below the sign-in button.
Step 3 ====> For identification, you will be asked for details such as your Social Security Number and your Amazon credit card number. Click Next when you are done.
Step 4 ====> The retrieval process will now begin.
Amazon Credit Card Payment
Once you have your account and credit card set up, it is time to make a payment using your Amazon.com store cards. This part will guide you through the online payment method on Amazon cards.
Step 1 ====> You must log in to your online account as explained above
Step 2 ====> Click on the menu button to access your payment button
Step 3 ====> You need to follow the on-screen instruction to complete your payment process
Once you follow these steps, you will be able to make a payment online. The process is very simple and easy to follow.
The Amazon Store Card might be good if you spend a lot with Amazon and need some extra time to pay off your purchases.
You will get deferred financing offers, rather than 0% APR, so be sure to follow the terms carefully to avoid interest charges on the Amazon.com store card.
Amazon.com Store Credit Card Q&A
Where Can I Use the Amazon Store Card?
The Amazon.com Store Card can only be used for purchases from Amazon, both at Amazon.com and at physical Amazon locations. There are also some restrictions on the types of purchases you can make with the card.
And there are also two Amazon business cards, which can be used anywhere American Express credit cards are accepted, Amazon Business American Express Card and Amazon Business Prime American Express Card.
What does the Amazon Store Card Do?
The Amazon Store Card is helpful for people who frequently shop online. The card is issued by Synchrony Bank and offers 5% back on all purchases. The card can only be used on Amazon purchases, and it has promotional no-interest financing available for big-ticket items
Can you Use Amazon Credit Card Anywhere?
Yes. Only Amazon.com store card is not generally acceptable. You can use the Amazon.com Credit Card anywhere Visa is accepted, which is virtually everywhere domestically and in over 200 countries around the world.
The Amazon.com Store Card can only be used to make purchases on Amazon.com and through select Pay with Amazon merchants.
Does Amazon Credit Card have a Fee?
No, the card does not have an annual fee. However, you will be required to purchase an Amazon Prime membership ($119 a year) if you want to open an Amazon Prime Rewards Signature Visa credit card account
Is the Amazon Store Card a Credit Card?
The Amazon.com Store Card is issued by Synchrony Bank, and offers special financing plans for large Amazon purchases. As a retail store credit card, the Amazon card will be relatively easy to qualify for, compared to general-use reward credit cards.
Above all, this is not a credit card, the card can only be used at Amazon, it is not generally accepted linked other card that linked with MasterCard, Visa card or others
Does Applying for Amazon Card Hurt Credit?
Yes, this is because getting an Amazon card will make your credit score drop slightly for a very short period of time. Meanwhile, assuming that you are not getting a mortgage or a car loan in the next few months, it is really nothing to worry about. In the long run, though, the card could help your credit.
What happens if I don’t use My Amazon Credit Card?
Something will happen to your credit score. It will impact your credit score, but typically very minor paying one bill late is much worse.
It reduces your average credit card age, which is a minor contributor to your credit score. The disadvantages are, you are giving them your address and name, and implicit permission to spam you with mail, email,
Can I Withdraw Cash from My Amazon Credit Card?
You can get an Amazon Credit Card cash advance at any ATM. To initiate the cash advance, insert the card in the ATM, enter your PIN (or call 888 247 4080 if you don’t have one) and withdraw cash up to your available limit
What is the Limit on Amazon Store Card?
The Amazon Store Card credit limit is at least $400 in most cases, and the average credit limit is around $1500.
You can definitely get a higher limit than $1500 with the Amazon Store Card, but you can also get a lower limit than $400. Some forum users have reported initial credit limits as low as $150