If you are a frequent online shopper looking for options for credit funds payable in installments, which can also help build your credit history, you may be interested in exploring the options offered by Amazon.
That's why we show you how to apply for an Amazon credit card, its benefits, and the rates applied by this company. Below, we list the topics to cover:
- About Amazon
- Amazon Credit Cards
- How to apply for an Amazon credit card?
- Requirements for applying for an Amazon Credit Card
- Pricing of Amazon Credit Cards
- Benefits of applying for an Amazon Credit Card
- Contact information for issuing entities
About Amazon
Amazon is a company dedicated to e-commerce, positioned globally as the best and most profitable in the world, thanks to the number of users and sales it records annually.

It was founded on July 5, 1994, in the city of Washington, United States, under the management of Jeff Bezos. It started as a small project and through its expansion, managed to become what it is today.
In order to facilitate the acquisition of products online, Amazon has decided to diversify its services and partner with various financial entities to offer payment products, such as credit cards.
Amazon Links and Issuing Entity
Firstly, it is important to note that this company does not operate as a bank, but rather, under certain conditions, serves as an ally to obtain credit cards and benefit from the offers linked to them.
However, you can apply for them through this platform, as the idea is to create a direct link from the website to the financial institution, thereby facilitating the purchase of the items offered here.
Each credit card has defined characteristics that allow the company to meet the needs of each consumer profile, and of course, to facilitate the acquisition of products on the platform.
Amazon Credit Cards
As previously mentioned, the Amazon credit card is a payment tool designed to facilitate the purchase of items on this platform. However, they are classified into different types, which we detail below.

- Amazon Rewards Visa Credit Card.
- Amazon Prime Rewards Visa Signature Credit Card.
- Amazon Store Credit Card
- Amazon Secured Card Credit Card
- Amazon Business American Express Credit Card
Amazon strives to ensure that each user profile can obtain the necessary credit and, therefore, benefit from the rates and deals offered by this platform.
Features of Amazon Credit Cards
Each Amazon card is aimed at a specific type of customer, and therefore, even though they function as a basic credit card, it is important to mention the characteristics that set them apart.
- Amazon Rewards Visa Credit Card is a reward or cash back tool where you can benefit from getting a percentage of your purchases refunded, without an annual maintenance fee.
- The Amazon Prime Rewards Visa Signature Credit Card, the premium version of this platform, is known for offering exclusive services from Chase Bank and not having an annual fee.
- Amazon Store Credit Card, a credit tool issued by Synchrony Bank, works only within the Amazon platform and has a rewards program.
- Amazon Secured Card, also issued by Synchrony Bank, is ideal for building or improving your credit history as it does not require experience with similar products.
- Amazon Business American Express Credit Card, targeted at the business sector.
However, they share similarities, such as the ease of applying for them online, and the benefit of being exempt from the maintenance fee that many other institutions require.
How to apply for an Amazon credit card?
We have already mentioned that the application for these cards is handled online, through the Amazon platform. However, we want to detail the steps to follow, for a better understanding of the process.

- Go to the official Amazon site and locate the Credit Cards and other loans section on the main panel.
- You will immediately see the credit cards classified according to the benefits they provide. Select the option that best suits you as a user.
- If you are not yet registered as an Amazon customer, it is time to do so using the button that says "User Registration".
- Then, log in with your personal data and click on "Apply Now".
- Immediately, the system will transfer you to the issuing bank's platform, so you can enter your financial information and Social Security Administration details, and thus evaluate your profile.
- Finally, click on "Submit Application" and wait for the response from the financial institution.
It is important to highlight that the approval or rejection of these cards depends on meeting the requirements set by each institution and the evaluation of your profile with respect to the option you have applied for.
How do I make a payment on my Amazon Credit Cards?
There is no specific way to make repayments on these cards as it depends on the issuing bank and the type of card you have. However, in general, you can do so in the following ways:
- Applying for a promotional APR of 0% by making payments within 21 days of your purchase being billed, for a minimum spend of $50.
- Choosing a fixed installment plan based on your financial availability, and forgoing cashback rewards.
- Charging the full purchase to your personal account, in order to benefit from discounts and deals.
All of these transactions can be carried out online through the issuing bank's platform or by visiting any of the branches listed on the official website.
Requirements to apply for an Amazon Credit Card
In order to initiate the application process for these credit cards issued under the commercial name of Amazon, you will need to meet certain requirements and demands, detailed below.

- You must be a resident of the United States of America or have legal status within the country.
- You must have obtained a Social Security Card, or alternatively, the Individual Taxpayer Identification Number (ITIN).
- You must be at least 18 years old, as if younger, you will need to provide the documents of a legal representative.
- Follow the steps of the application process on the web portal.
- Have the required credit score in your history, according to the selected card.
- Have a verifiable source of income.
Nevertheless, all of this will depend on the specific credit card you choose, as each one has particular requirements tailored to specific user profiles.
Amazon Credit Card Rewards Program
Amazon credit cards share a common benefit, which is that you can enroll in the rewards program with any of them, where you will receive a percentage of your purchases.
- If you make purchases on Amazon.com or Whole Foods Market, you can benefit from a 3% return with the Amazon Rewards Visa and 5% with the Amazon Prime Rewards Visa. The Secured card offers a 2% benefit.
- If your purchases are intended for use at restaurants and gas stations, the reward for using Visa-backed cards will be 2%.
- For all other purchases, the return percentage will be 1%.
- Additionally, you can also participate in earning bonus rewards for purchasing various products with rotating eligibility, for up to a 10% return on the total amount paid.
However, keep in mind that to benefit from this rewards program, you will need to have a Prime Exclusive membership, specifically when applying with the Amazon Prime Rewards Visa Card.
Amazon Credit Cards Rates
The interest rates applied will depend on the issuing entity and the credit card itself. Therefore, we want to detail each particular case.

- For Visa Amazon Rewards and Prime Cards, the interest rate for purchases and loans ranges between 18.74% and 26.74%, depending on your creditworthiness.
- The Amazon Store Card applies an interest rate of 29.99%, depending on your credit score.
- Regarding the Amazon Secured Card, the bank applies an interest rate of 10% and 29.99%, respectively.
However, it is important to note that no annual fee is applied to these credit cards, which has a positive impact on the Total Annual Cost of each.
Commissions related to delays and failures in Amazon Cards payments
For all credit cards, a penalty is applied in case of delays or payment returns. In the case of Amazon cards, these commissions are detailed as follows:
- If you have the Amazon Rewards Visa Card or the Prime version, the penalty rate will be $39 in case of non-payment, as well as in case of involuntary return of the disbursement.
- If your card is the Amazon Store Card, the penalty will be $40.
- For the Amazon Secure Card, the amount for payment delays will be $38.
Additionally, keep in mind that transactions also have related commissions, such as transfers that add a 5% factor of the total invoiced or an additional $5 to the debt.
Benefits of Applying for the Amazon Credit Card
Any of the credit cards mentioned here come with the benefit of being able to opt for a credit fund payable in installments. However, we want to detail other advantages of applying for these options.

- Any of the versions are available online, allowing you to access them regardless of whether there are branches of the issuing entities in your locality.
- By obtaining any of the cards, you will benefit from a return plan for purchases made.
- You will not have to pay the annual fee installment, as all of them are exempt from that expense.
- You can apply for bonuses for purchases on Amazon and other platforms registered with this company.
Additionally, many of these have international support as they are cards linked to Visa and American Express, which translates into the possibility of using them both within and outside the country.
Disadvantages of Applying for an Amazon Credit Card
One of the drawbacks of these credit cards is linked to the fact that some can only be used within the Amazon platform, as they are not backed by international consortia.
Furthermore, the benefits in the payment mode come with exceptions, such as having a minimum billing requirement of $250 to qualify.
However, these aspects are outweighed as they could be leveraged either to establish or enhance your credit history, as is the case with department store cards that do not require a credit score to be approved.
Contact Information for Issuing Entities
For more information about any of these credit cards, we recommend visiting the headquarters of the issuing banks or locating the nearest branch to your residence.

You can also contact the customer service department of Synchrony Bank or Chase Bank, which are the issuing banks, by email at Customer.Servicing@mail.synchronybank.com.
Amazon and Issuing Banks Phone and Website
Another alternative to consider is to contact via phone using the number 1-866-419-4096 for Synchrony Bank or 1-800-935-9935 for Chase Bank. Both options have interactive chat available on their websites.
For more detailed information, you can review the specific details of each card on the Amazon website, under the credit cards and loans section.
Conclusion
Amazon is not only an e-commerce network dedicated to selling products, but it also offers various options to facilitate the acquisition of the same through its credit cards.
Disclaimer: Approval of any of these cards entails responsibility for the risks, so it's important to review the terms and conditions issued by the institution and Amazon.