
Amazon issues its own credit cards for personal and business use, making it a one-stop-shop for all your financial needs.
Amazon offers the Amazon Prime Rewards Visa Signature Card, which is a popular choice among Amazon customers. This card offers 5% cash back on Amazon purchases and 2% cash back at gas stations, restaurants, and drugstores.
Amazon also issues the Amazon Business Credit Card, designed specifically for businesses. This card offers 90-day payment terms, no annual fee, and cash back rewards on business purchases.
If this caught your attention, see: Business Credit Cards That Don't Report to Personal Credit
Types of Amazon Credit Cards
Amazon offers a variety of credit cards that cater to different needs and preferences. There are two types of Amazon credit cards that can be used anywhere Visa is accepted: the Prime Visa and the Amazon Visa, both available to Prime and non-Prime customers respectively.
The Amazon Store Credit Card, issued by Synchrony, is a closed-loop card that can only be used for purchases at Amazon or eligible brands under the Amazon umbrella. It's available to both Prime and non-Prime customers.
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Non-Prime members with the Amazon Store Credit Card won't earn Amazon rewards, but they'll be eligible for special financing options instead. Prime members, on the other hand, can earn 5% back on their Amazon purchases or choose special financing.
There are also two business credit cards: the Amazon Business Prime American Express Card and the Amazon Business American Express Card. The former is available to small-business owners with an Amazon Prime membership and offers 5% back on U.S. purchases at Amazon Business, AWS, Amazon, and Whole Foods, up to $120,000 annually.
Here's a breakdown of the different Amazon credit cards:
Note that the rewards and benefits of each card vary, and some cards require a Prime membership to qualify.
Popular Amazon Credit Card Options
Amazon offers a range of credit card options for its customers, each with its own unique benefits and requirements.
If you're a Prime customer, you can choose from the Prime Visa or the Amazon Store Credit Card for special financing options on Amazon purchases. The Prime Visa offers 5% rewards on purchases at Amazon and Whole Foods, while the Amazon Store Credit Card provides 5% rewards or special financing on Amazon purchases.
On a similar theme: How to Pay My Amazon Store Card Online
For non-Prime customers, the Amazon Visa is a good option, offering 3% rewards on purchases at Amazon and Whole Foods. Another option is the Amazon Secured Card, which is available to both Prime and non-Prime customers, but the rewards you earn depend on your Prime status.
Here's a quick summary of the popular Amazon credit card options:
Keep in mind that these rewards and fees are subject to change, so it's always a good idea to check the terms and conditions before applying for a card.
Alternative Credit Card Options
Amazon offers a range of credit card options for both personal and business use.
You can use the Amazon Visa or Prime Visa cards anywhere Visa is accepted, making them great for everyday purchases. These cards are available to both Prime and non-Prime customers.
There are also cards that can only be used at Amazon or Amazon-owned businesses, such as the Amazon Store Credit Card and the Amazon Secured Card. The Amazon Secured Card is a good option for customers who are building credit.
Recommended read: Amazon Store Card vs Amazon Visa

Here are some of the Amazon credit cards available:
- Amazon Visa (non-Prime customers)
- Prime Visa (Prime customers)
- Amazon Store Credit Card (available to both Prime and non-Prime customers)
- Amazon Secured Card (available to both Prime and non-Prime customers)
- Amazon Business Prime American Express Card (Prime business customers)
- Amazon Business American Express Card (non-Prime business customers)
Personal Credit Cards
Amazon offers several personal credit cards that can be used for various purposes. Prime Visa is a credit card option for Prime customers that can be used anywhere Visa is accepted.
The Prime Visa card offers 5% rewards on purchases at Amazon and Whole Foods. Amazon Visa is another option that can be used anywhere Visa is accepted and offers 3% rewards on purchases at Amazon and Whole Foods.
If you're a Prime member, you can also consider the Amazon Store Credit Card, which offers 5% rewards or special financing options on eligible Amazon purchases. Non-Prime members can use the Amazon Store Credit Card for special financing options on Amazon purchases.
For those building credit, the Amazon Secured Card is available to both Prime and non-Prime customers. However, the rewards you earn depend on your Prime status.
Here's a quick summary of Amazon's personal credit cards:
Business Credit Cards

Business credit cards are a great way to build credit, but did you know that they can also offer rewards and cashback?
Many business credit cards have no annual fee, making them a cost-effective option for entrepreneurs.
Some business credit cards offer 1-2% cashback on all purchases, which can add up quickly.
Business credit cards often have higher credit limits compared to personal credit cards, providing more financial flexibility.
With a business credit card, you can separate your personal and business expenses, making it easier to manage your finances.
Some business credit cards offer exclusive rewards and benefits, such as travel points or purchase protection, that can be a game-changer for business owners.
Business credit cards can also help you establish a business credit history, which can be used to secure loans and other forms of financing.
For your interest: Do Business Credit Cards Pull Personal Credit
Frequently Asked Questions
Is Amazon card with Chase or Synchrony?
The Amazon Store Credit Card is issued by Synchrony, not Chase. It's a closed-loop card, exclusively for Amazon purchases.
Sources
- https://wallethub.com/answers/cc/what-bank-issues-amazon-credit-card-1000324-2140778317/
- https://www.nerdwallet.com/article/credit-cards/amazon-credit-cards-what-are-your-options
- https://www.cnbc.com/2022/03/31/amazon-prime-amazon-renews-prime-credit-card-pact-with-jpmorgan-after-flirting-with-american-express.html
- https://www.forbes.com/sites/zackfriedman/2017/01/12/amazon-new-credit-disrupts-retail/
- https://www.icicibank.com/personal-banking/cards/credit-card/amazon-pay-credit-card/faq
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