Amazon Store Card Options Compared and Ranked

If you're an Amazon shopper, you've probably considered applying for an Amazon Store Card to earn rewards and save on purchases. With multiple card options available, it's essential to choose the one that best fits your needs.

Amazon offers a range of card options, including the Amazon Store Card and Amazon Prime Store Card. The Amazon Store Card offers 5% back on purchases, while the Amazon Prime Store Card offers 5% back on purchases and a $70 Amazon gift card upon approval.

The Amazon Store Card has a higher interest rate compared to other credit cards, but it's still a good option for those who frequently shop on Amazon.

Curious to learn more? Check out: Cash Back Card vs Travel Card

The Amazon Store Card offers several benefits and features that make it a great option for Amazon loyalists. You can earn a consistently high rate of rewards for spending you're already doing.

One of the standout benefits is the 5% cash back on purchases at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership. This is an outstanding rewards rate, especially for those who do a significant amount of spending at these places.

You can also get an Amazon gift card upon approval, with no spending requirement to earn this sign-up bonus. This is a quick way to start earning toward your Amazon purchases.

The Amazon Store Card offers promotional financing options, including equal monthly payments and special financing. With equal monthly payments, you can have six, 12, or 24 months to make set monthly payments with a 0% APR (followed by a 29.99% APR). Special financing is available on purchases of $150 or more, and you'll have six, 12, or 24 months to pay off your item without interest, but be aware that you'll pay a 29.99% APR after that.

Here are the details of the promotional financing options:

The Amazon Prime Visa offers even more benefits, including travel accident insurance, no foreign transaction fee, travel upgrades through the Luxury Hotel & Resort Collection, rental car coverage, lost luggage reimbursement, extended warranties, baggage delay insurance, and roadside dispatch. These benefits add an unexpected level of value to the Amazon Prime Visa.

Broaden your view: Amazon Store Card vs Amazon Visa

You can also use your rewards points however you see fit, including for eligible Amazon.com purchases, airline tickets, car rentals, hotel accommodations, and cruises through Chase Travel, account statement credits, electronic deposits to your bank account, gift cards, and purchasing eligible products or services directly through third-party merchants or service providers via Chase.

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If you're considering the Amazon Store Card, you have several other options to compare. The Amazon Prime Store Card offers 5% back at Amazon.com, with a $10 Amazon gift card as a welcome offer and a regular APR of 29.99%.

The Prime Visa card also offers cash back, but at a rate of 1% - 5%, with a $150 Amazon gift card as a welcome offer and a variable APR of 19.74% – 28.49%.

Here's a comparison of these cards:

The Amazon Secured Card offers 2% cash back at Amazon.com and Whole Foods Market with an eligible Prime membership, but no welcome offer.

The Amazon Store Card has its perks, but also some drawbacks to consider. Here are the pros:

The Amazon Store Card offers generous rewards on Amazon purchases, promotional financing options, a $0 annual fee, and an easy-to-earn sign-up bonus. This can be a great option for frequent Amazon shoppers.

You can earn cash back on your Amazon purchases, which is a nice bonus. However, you'll need to have an Amazon Prime membership to qualify for these rewards.

Here are the details on the rewards:

However, there are some cons to consider. You won't earn cash back without a Prime membership, which can be a drawback for some users.

If you're an Amazon Prime member, you can earn 5% cash back on Amazon, Whole Foods, and Chase Travel℠ purchases with the Prime Visa.

The Prime Visa offers a unique feature that allows you to choose a 0% promo APR for six to 12 months on purchases of $50 or more, which can help you save money on interest.

For another approach, see: Amazon Pay with Visa Gift Card

New cardholders who apply for the Prime Visa instantly receive a $100 Amazon Gift Card, which can be used right away on Amazon purchases.

The Prime Visa also earns 2% cash back at restaurants, gas stations, and on local transit and commuting, including rideshare.

You can redeem your rewards directly on Amazon.com or use them for travel, cash, and gift cards.

Here are some key benefits of the Prime Visa:

The Amazon Store Card is a great option for those who shop frequently at Amazon and its subsidiaries, like Whole Foods. You can use the card for purchases at Amazon.com and some Amazon-owned businesses, but not at other retailers.

If you're looking for a card that earns rewards on groceries, consider the Capital One Savor Cash Rewards Credit Card, which offers 3% back on purchases at grocery stores. This card requires a FICO score of 690 or above.

For those with mild credit challenges, the Amazon Prime Store Card may be a good option. It offers a chance to earn cash back at a great rate for a $0 annual fee, but be aware of the risk of deferred interest.

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The Amazon Prime Visa is a better choice for Prime members with good credit who spend liberally at Amazon and its other brands. This card offers a 5 percent rewards rate on Amazon purchases, as well as a range of benefits like travel accident insurance and extended warranties.

Here are the key benefits of the Amazon Prime Visa:

If you're a casual Amazon shopper, you might do better with a general flat-rate credit card like the Citi Double Cash Card, which earns simpler and more flexible rewards on everything you buy.

The Amazon Business Prime American Express Card is a good option for business owners who shop frequently at Amazon. However, you'll need to do the math to see whether your expenses with Amazon can offset the cost of a Prime membership.

The Amazon Store Card offers a generous rewards rate of 5% back at Amazon.com for Prime members. This can be especially valuable for those who purchase a majority of their household goods on the website or buy big-ticket items.

You can earn rewards on select promotional items, with an extra 5% to 15% in rewards on top of the standard 5%. This can add up quickly if you're a frequent shopper on Amazon.

The rewards you earn can be applied to your account in the form of a statement credit or used toward eligible purchases when you check out.

Here's a breakdown of the rewards you can earn on different categories:

The Amazon Prime Visa offers even more rewards, including 5% back on purchases through Chase Travel, 2% back at restaurants and gas stations, and 2% back on local transit and commuting.

However, the Amazon Prime Store Card has a redemption value of 1 point being worth $1, which can be a more straightforward way to earn rewards.

Financing options are available on Amazon store cards, but it's essential to understand the terms.

You can choose between 0% financing deals for larger purchases over $150, or equal monthly payments without interest, as long as you pay each payment on time and in full.

The 0% financing deals come with a payment plan lasting six to 24 months, giving you flexibility in paying off your purchase.

With special financing, you won't have any required monthly payments beyond your minimum payment, but be aware that interest will still accrue in the background.

If you pay off the purchase before the special financing period has ended, you won't have to pay the accrued interest, but if you still have a balance at the end of the period, you'll be charged the full amount of interest on the entire purchase.

This could leave you on the hook for much more interest than you were expecting, especially considering the stated APR of 29.99%, as of April 2024.

Here are the financing options available on Amazon store cards:

The Amazon Store Card offers flexibility in terms of purchases, allowing you to use it at Amazon.com and some Amazon-owned businesses like Whole Foods.

You can make purchases at Amazon-owned businesses, but if you only shop at Amazon.com, a card with broader use might be a better option.

The Amazon Store Card is a closed-loop card, so you can only use it for purchases at Amazon or eligible brands under the Amazon umbrella.

If you're looking to earn rewards on groceries, you might consider a card like the Capital One Savor Cash Rewards Credit Card, which offers 3% back on purchases at grocery stores and has a relatively high credit score requirement of 690 or above.

You can use the Amazon Store Card for purchases at Amazon.com and some Amazon-owned businesses, but you can't use it for purchases elsewhere.

The card offers special financing options, including equal monthly payment financing at 0% APR and deferred interest options, which can be a great perk for non-Prime members.

If you're working on building credit, the Capital One QuicksilverOne Cash Rewards Credit Card might be a better option, with a $39 annual fee and a relatively low credit score requirement of 630-689.

You can earn rewards on your purchases with the Amazon Store Card, including 5% back on Amazon purchases for Prime members, or choose special financing options instead.

Here are some key benefits of using the Amazon Store Card for purchases:

As a small-business owner, you have two options to consider when it comes to an Amazon credit card: the Amazon Business Prime American Express Card and the Amazon Business American Express Card.

Both cards are issued by American Express and can be used anywhere that accepts AmEx. You can earn rewards on purchases at Amazon and Whole Foods, as well as at U.S. restaurants, gas stations, and wireless telephone services.

The Amazon Business Prime American Express Card offers 5% back on the first $120,000 in purchases each calendar year, then 1% back, or 90-day financing. This can be a great option if your business spends big at Amazon.

Here's a comparison of the two cards:

The Amazon Business American Express Card offers 3% back on the first $120,000 in purchases each calendar year, then 1% back, or 60-day financing. This can be a good option if you want to earn rewards without the Prime membership requirement.

You can also earn a welcome offer with each card: a $125 Amazon Gift Card with the Amazon Business Prime American Express Card, or a $100 Amazon Gift Card with the Amazon Business American Express Card.

For your interest: How to Use American Express Gift Card in Store

If you're not satisfied with the Amazon Store Card, there are other options available. You can use the Prime Visa or Amazon Visa anywhere Visa is accepted.

You can also consider using the Amazon Store Credit Card, which is available to both Prime and non-Prime customers, but the rewards you earn depend on your Prime status.

Here are some specific Amazon credit card options:

Alternate Cash Back offers a unique twist on traditional cash back rewards. You can earn cash back on your everyday purchases, but the rewards are tiered and based on your spending habits.

Some credit cards offer an initial cash back bonus, such as 3% cash back on gas purchases for the first quarter. This can be a great way to earn a significant amount of cash back quickly.

However, the cash back rewards rate may decrease over time, such as dropping to 1% cash back on all purchases after the first year. This is something to consider when choosing a credit card.

For example, the Discover it Cash Back card offers 5% cash back on various categories throughout the year, such as gas stations and grocery stores. You need to activate the category each quarter to earn the 5% cash back rate.

Some credit cards also offer rotating categories for cash back rewards, such as 5% cash back on purchases made at different stores each quarter. This can be a fun and unpredictable way to earn cash back.

If you're looking for a credit card that's not issued by Amazon, there are still some great options available. The Blue Cash Everyday Card from American Express is a popular choice, but it's not exclusive to Amazon customers.

You can also consider the Amazon Prime Store Card, Prime Visa, Amazon Rewards Visa Signature Card, or Amazon Secured Card. These cards have been collected by LendingTree, but it's worth noting that the terms may apply.

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If you're a Prime customer, the Prime Visa is a great option since it can be used anywhere Visa is accepted. For non-Prime customers, the Amazon Visa is a good alternative.

Here's a quick breakdown of the different Amazon credit cards:

The Amazon Business Prime American Express Card and Amazon Business American Express Card are great options for business operators. However, the rewards you earn may depend on your Prime status.

The Amazon Store Card offers a $10 Amazon gift card upon approval, which is a nice bonus for signing up.

You can earn 5% back at Amazon.com with this card, which is a great reward for frequent shoppers.

The annual fee for this card is $0, but keep in mind that you'll need to have an Amazon Prime membership, which costs $139 per year.

One of the benefits of this card is zero fraud liability, which can give you peace of mind when making online purchases.

If you need to make a larger purchase, you can opt for special financing with 0% interest for six to 24 months on purchases of $150 or more.

However, the regular purchase APR for this card is 29.99%, so be mindful of that if you don't pay off your balance in full each month.

You'll need fair credit to qualify for this card, so it's essential to check your credit score before applying.

A fair credit score can help you qualify for the Amazon Store Card. Typically, this ranges from 580 to 669.

If you have a credit score in this range, you may find it easier to get approved for the card.