Use a Amazon Store Card for Shopping and Earning Rewards

Using an Amazon Store Card for shopping and earning rewards is a great way to save money and get more value from your purchases. The Amazon Store Card offers 5% back at Amazon and Whole Foods Market, with no annual fee.

You can earn rewards on purchases of $1 or more, and the rewards will be credited to your account as soon as the purchase is made.

The Amazon Store Card is a credit card issued by Synchrony Bank that can only be used for purchases on Amazon.com and at select vendors affiliated with Amazon.

It's available to people with fair credit or better, making it a great option for those who want to earn rewards on their Amazon purchases.

You'll get a $10 Amazon gift card as an initial bonus upon approval, which is a nice perk to get started.

The card offers 5% back on Amazon purchases for Prime members, making it a great choice for those who already use Amazon Prime.

The Amazon Store Card is a credit card issued by Synchrony Bank, designed for people with fair credit or better. It can only be used for purchases on Amazon.com and at select vendors affiliated with Amazon.

The Amazon Store Card offers a $10 Amazon gift card upon approval, which is a nice incentive. The card is also available in two versions: one for Prime members and one for non-Prime members.

The Amazon Store Card has a few key features that set it apart. Here are some of the key things to know:

The Amazon Store Card has different rewards and benefits depending on whether you're a Prime member or not. Here's a breakdown of the main differences:

The Amazon Store Card is a credit card designed for small business owners who want to make purchases on Amazon and at select vendors affiliated with Amazon.

There are two options for Amazon business credit cards, both issued by American Express. You can choose between the Amazon Business Prime American Express Card and the Amazon Business American Express Card.

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The Amazon Business Prime American Express Card offers 5% back on purchases at Amazon and Whole Foods, up to $120,000 annually (then 1% back), or 90-day financing. This card also has a $0 annual fee, but it requires a $139 Prime membership.

The Amazon Business American Express Card has a $0 annual fee and offers 3% back on U.S. purchases at Amazon Business, AWS, Amazon, and Whole Foods, up to $120,000 annually (then 1% back), or 60-day financing.

Here are the key features of the Amazon business credit cards:

Using an Amazon Store Card can be a great way to earn rewards and save money on your purchases. Prime members earn 5% back on all purchases made with their associated Amazon Store Card.

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. This can be especially valuable for Prime shoppers who purchase a majority of their household goods on the website.

You can earn an extra 5% to 15% in rewards on select promotional items, making your purchases even more affordable. If you're an Amazon Prime member already and have good credit, you may be better served by Amazon's Prime Visa, which you can use anywhere that accepts Visa.

The Prime Visa offers a range of rewards, including 5% back at Amazon, 5% back at Whole Foods, and 2% back at restaurants and gas stations. You'll also get 1% back on all other purchases.

Here's a breakdown of the rewards you can earn with the Amazon Store Card and Prime Visa:

Using the cashback can help offset the cost of the yearly Prime membership fee of $139. Prime members spending about $200 a month or more at Amazon will recover the annual fee.

The Amazon Store Card is a great option for those who shop frequently on Amazon. You can earn rewards, including a $10 gift card upon approval, plus 5% back in rewards cash back on Amazon.com purchases if you're an Amazon Prime member.

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To redeem your rewards, you can use your online account or your Amazon account, depending on the redemption option. You can use your points as statement credits or to make purchases on Amazon.com.

Here are the ways you can use your Amazon Store Card rewards: As a statement creditFor purchases on Amazon.com

The Amazon Store Card is only accepted on Amazon.com, Audible.com, merchant sites that accept Amazon Pay, and at some physical Amazon-branded stores. This means any cash back earned can only go toward purchases made at those merchants, or be used directly for purchases on Amazon.com.

The Amazon Store Card offers a $10 gift card upon approval, which is a nice perk.

You can earn 5% back in rewards cash back on Amazon.com purchases if you're an Amazon Prime member, making it a great option for those who already have a Prime membership.

To redeem your rewards, you can use your online account or your Amazon account, depending on the redemption option. You can use your points as statement credits or to make purchases on Amazon.com.

The Amazon Store Card is only accepted on Amazon.com, Audible.com, merchant sites that accept Amazon Pay, and at some physical Amazon-branded stores, such as Amazon Books, Amazon 4-Star, and Amazon Go.

Here are the ways you can use your rewards:

It's worth noting that the Amazon Store Card has some financing offers for cardholders, but those are deferred interest offers, rather than true 0% APR.

The Amazon Visa is a great option for those who want to earn rewards without being an Amazon Prime member. It's issued by Chase and is open-loop, meaning it can be used anywhere that accepts Visa.

You can earn 3% back in rewards on purchases at Amazon and Whole Foods, which is a pretty sweet deal. This rate also applies to purchases made through Chase Travel.

The card also offers 2% back at restaurants, gas stations, and on local transit and commuting, including rideshare. This includes things like Uber and Lyft fares.

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One percent back on all other purchases may not seem like a lot, but it's still something. This rate applies to everything else you buy with the card.

Here's a quick rundown of the earning rates:

There are actually three different versions of the Amazon Store Card, and the one you get depends on your Prime membership status.

If you're a Prime member, you'll be eligible for the Amazon Prime Store Card, which comes with some great perks.

Not a Prime member? You'll get the standard version of the card, which unfortunately offers no cash-back rewards.

The good news is that if you start a Prime membership after applying for the card, you'll be automatically upgraded to the Prime version.

On the other hand, if you let your Prime membership lapse, your card will be downgraded to the standard version.

The Amazon Secured Card is another version, but it comes with a security deposit and is intended for people looking to establish or rebuild their credit.

Amazon offers 12-month financing on its store card only, which is a convenient option for those who want to spread the cost of a purchase over time.

You can choose between equal monthly payments or special financing with Amazon financing. With equal monthly payments, you can split your purchase across multiple statement cycles without paying interest, as long as you pay each payment on time and in full.

Special financing with Amazon financing sounds like a good deal, but it comes with a warning: if you don't pay off the entire balance before the promotional period is up, you'll be charged the full amount of interest on the entire purchase, not just what's left over. And with an APR of 29.99% as of April 2024, that could be a lot of interest to pay.

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Amazon offers various financing options to make purchases more manageable. These options include installment plans, where consumers can pay off their purchases in fixed monthly payments.

Amazon's financing ecosystem covers both closed-end (installment) and open-ended (revolving credit) arrangements, offering a range of tailored solutions. Whether through monthly payments or extended credit lines, these services enable greater purchasing power while helping users manage cash flow more effectively.

You can choose between equal monthly payments or special financing on certain purchases over $150. The equal monthly payments plan allows you to split your purchase across multiple statement cycles without paying interest, as long as you pay each payment on time and in full.

With special financing, you won't have any required monthly payments beyond your minimum payment. However, interest will still accrue in the background, even though you won't have to pay it during the promotional period.

The APR for special financing is 29.99%, as of April 2024. If you pay off the purchase before the promotional period has ended, you won't have to pay this 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.

Amazon offers four credit card options: the Amazon Visa Card, the Amazon Prime Signature Visa, the Amazon Store Card, and the Amazon Secured Card. Applicants receive a credit limit based on their credit score and other screening factors if approved.

Here are the special financing tiers offered by Amazon:

If you're looking to finance your Amazon purchases, you have several options to consider.

Amazon offers four credit card options: the Amazon Visa Card, the Amazon Prime Signature Visa, the Amazon Store Card, and the Amazon Secured Card. These cards offer financing based on your credit score and other screening factors.

You can also opt for special financing, which has three tiers.

Amazon has a range of financing options for small businesses, including the Amazon Business American Express Card and the Amazon Business Prime American Express Card.

Here's a breakdown of the key features of these two cards:

If you're a Prime member, you can also consider the Amazon Prime Visa Card, which offers 5% back on Amazon and Whole Foods purchases, 2% cash back on purchases at restaurants and gas stations, and 1% on all other purchases.

You can also use special financing options, such as installment plans, which allow you to pay off purchases in fixed monthly payments.

Amazon's financing ecosystem covers both closed-end (installment) and open-ended (revolving credit) arrangements, offering a range of tailored solutions.

If you're a small business owner, you can choose to earn 3% back in rewards on U.S. purchases at Amazon Business, AWS, Amazon and Whole Foods, up to $120,000 annually (then 1% back) with the Amazon Business American Express Card.

You can also opt for 60-day financing on Amazon purchases with this card.

The Amazon Business Prime American Express Card offers 5% back on U.S. purchases at Amazon Business, AWS, Amazon and Whole Foods, up to $120,000 annually (then 1% back), and comes with a welcome offer of a $125 Amazon Gift Card upon approval for eligible Prime members.

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