Last Updated: 07/28/2025
SuperMoney User Recommendation Score +29
Mostly recommended24 total votes
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Highlights
Community Rating
Mostly recommended
Purchase APR (Variable APR)
25.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
650 - 850
Annual Fee
$0
Number of Reviews
Amazon.com Store Card Review
This is a store cashback credit card issued by Synchrony Bank. If you're wondering whether Amazon.com Store Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 5x.
- Signup bonus. Offers a signup bonus of up to $10.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 25.99%
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Amazon Store card
| The Good | The Bad |
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Amazon Store card FAQ
Does Amazon Store card have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. This card features rewards for purchases in the following categories:
- Amazon Purchases
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Amazon Store card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Amazon.com Store Card has a variable purchase APR of 25.99%. Amazon.com Store Card does not offer balance transfers.
Does Amazon Store card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Amazon.com Store Card does not offer balance transfers.Does Amazon Store card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Amazon Store card?
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| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
What is the customer service phone number for Amazon Store card?
The customer service number for Amazon Store card is (866) 226-5638.
What is the support contact email for Amazon Store card?
The support contact email for Amazon Store card is customer.service@mail.synchronybank.com.
What is the login page for Amazon Store card?
You can access the login page of Amazon Store card here.
How do people rate the customer service and user experience of Amazon Store card?
Overall, Amazon Store card is mostly recommended based on community reviews that rate customer service and user experience.
Does Amazon.com Store Card report your account activity to credit bureaus?
Yes, Amazon.com Store Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Synchrony Bank perform a hard credit pull?
Yes, Amazon Store card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Amazon Store card
- Visit the website of Amazon Store card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Message from our editor
What we love about Amazon Store Card
The Amazon Store Card offers a great rate of cash back on everything that you purchase from the store. Given that Amazon is one of the most popular online retailers, earning 5% on everything you buy can mean a lot of cash back. It also offers the flexibility to get 0% financing on larger purchases.
What could Amazon Store Card do better?
The Amazon Store Card is a store credit card, which means you can only use it on purchases from Amazon. You’ll need to get a second credit card if you want one that you can use at other online stores or at physical retailers.
The 0% APR financing, while useful, can also be dangerous. If you don’t pay the full amount of your purchase before the financing period ends, you’ll get charged for all the interest that would have accrued from the time that you made your purchase. This can be a nasty surprise for people who don’t pay close attention to their purchases and their payoff schedule. However, if you’re only using this card for the cash back it offers, that eliminates this drawback.
Amazon Store Card‘s backstory
Amazon was founded 1994 by Jeff Bezos. In the years since, Amazon has grown to be one of the most important technology companies on the planet, offering a massive ecommerce store, video streaming, web services, consumer electronics, and more. The company produced more than $280 billion in revenue in 2019, making it one of the largest companies in the world.
The Verdict
The Amazon Store card is a fine card if you want to earn cash back on purchases at Amazon, but its financing offers can be dangerous. However, the Amazon Prime Rewards Visa offers the same cash back on Amazon purchases and can be used elsewhere, making it the superior card.
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