Overview of the Amazon Store tag
The Amazon Store Card offers solid returns on Amazon purchases; however, you must have an Amazon Prime membership to earn any rewards. This card can only be used at Amazon or stores that accept Amazon Pay. Additionally, this card doesn’t earn rewards outside of Amazon and has only one redemption option, making it a poor choice for most shoppers. Card Rating*: ⭐½
*Card review based on the opinions of the TPG editorial board and not influenced by the card issuer.
If you frequently shop at Amazon, you may want to get an Amazon store card. However, if you’re planning to buy an Amazon credit card, make sure you get the card that best suits your needs, because Amazon offers four credit cards.
We Rarely recommended accept store credit cards, and the Amazon Store Card is no exception.
There are two different types of Amazon store cards: Amazon Store Cards and Amazon Prime Store Cards. What you get will depend on whether you have Amazon Prime or not. Those without will be issued an Amazon Store Card, while those with a Prime membership will receive an Amazon Prime Store Card. Both Amazon Store cards are issued by Synchrony Bank and should not be confused with Amazon Visa and Premium Visa released by Chase.
The Amazon Store Card and Amazon Prime Store Card have no annual fee and are recommended credit score for these cards at least 580.
Take a look at the Amazon Store Card and the Amazon Prime Store Card to see if it deserves a spot in your wallet.
Information about the Amazon Store Card, Amazon Prime Store Card and Amazon Visa has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Pros and cons of the Amazon Store Card
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Welcome offer Amazon Store Card
While both versions of this card are nearly identical, they differ slightly in terms of welcome offers. The Amazon Store Card offers a $10 gift card immediately upon approval, and the Amazon Prime Store Card offers a $60 gift card immediately upon approval.
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While it’s better than nothing, this value is much lower than what you’ll get from welcome offers on many other cards.
Related: The best welcome offers this month
Benefits of the Amazon Store card
We typically don’t expect many benefits from store-specific credit cards, and the Amazon Store Card and Amazon Prime Store Card are no exception.
As a cardholder, you will not be held responsible for fraud and promotional financing offers. These include one Annual Percentage Rate 0% and special financing for periods of six, 12 or 24 months. This can be useful if you need to spend a large amount of money at Amazon. Note, however, that you won’t earn any rewards on purchases you sponsor.
However, many cards offer a 0% introductory APR, and it’s disappointing that the list of benefits of the Amazon Store Card and Amazon Prime Store Card ends here.
Related: Best store credit card
Earn and redeem rewards with the Amazon Store Card
It’s important to note that both versions of the card are closed, meaning they can only be used at Amazon or merchants that accept Amazon Pay. You can use your card at Whole Foods through the Amazon app, but physical cards will not be accepted. This card is very limited in terms of where you can use it, unlike Premium Visa card, can be used anywhere and has significantly better earning rates.
To earn rewards, you need a Prime membership and an Amazon Prime Store Card. With this card, you’ll earn 5% back on all Amazon purchases in points. This is a significant profit on Amazon purchases — the only other card that offers this is the card Premium Visa.
However, keep in mind that an Amazon Prime membership costs $14.99 a month or $139 a year. To recoup the cost of your Prime membership, you’ll need to spend at least $2,780 on Amazon purchases with your card.
If you don’t have a Prime membership and have the more basic Amazon Store Card, you won’t earn any rewards on any purchases. There’s almost no reason to keep this card if you don’t have a Prime membership.
Even if you have a Prime membership, you won’t earn rewards on any purchases outside of Amazon. Technically, you can use this card at any merchant that accepts Amazon Pay, but you’re better off using even the most basic cards Refund card for non-Amazon purchases.
When it’s time to redeem, cardholders with a Prime membership can use their points toward qualifying Amazon purchases at checkout.
While the Amazon Prime Store Card can provide decent income on Amazon for Prime members, but Premium Visa offers similar earning potential on Amazon and earn rewards on all other purchases. It’s a far superior choice for Prime members.
Related: Credit cards with the best rewards for each bonus type
What cards compete with the Amazon Store Card?
If you don’t have a Prime membership or want a card that can be used anywhere, you’ll want to use one of these options.
For more options, see our full list of best credit card.
Related: A guide to maximizing your shopping portal for your online purchases
Is the Amazon Store Card worth it?
If you don’t have an Amazon Prime membership, don’t consider this card. You won’t earn any rewards with it, and there are plenty of no-annual-fee cards that will help you earn rewards on Amazon purchases. It would be better if you shop on Amazon using any other credit card or even a debit card. We can only recommend this card to people with lower credit who spend a lot at Amazon.
Related: How to redeem your points and miles on Amazon purchases
Bottom line
If you have less than excellent credit, shop regularly at Amazon, and have a Prime membership, you might consider this card. However, those with a Prime membership will be better off with a Prime Visa and those without will be better off with a Prime Visa. refunds or Secured credit card.
Related: Amazon Prime Visa Review
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