Amazon Credit Card Review 2023 [Tested By Experts]
If you're looking for an Amazon Credit Card Review, you've come to the right place! Amazon offers a variety of credit cards with different benefits and features. You may have encountered the Amazon Credit Card if you're looking for a new credit card.
It can be hard to know which card is best suited to your needs. This card has some great features, but is it worth applying for?
In this blog post, we'll go over Amazon's various credit cards, their features and benefits, and how they compare to other cards on the market. We'll also discuss the pros and cons of this card, so you can decide if it's right for you.
What Is An Amazon Credit Card?
The Amazon Credit Card offers a lifetime of free credit card use without any annual charges. This feature attracts many shoppers trying to maximize their rewards and save money.
Amazon offers various credit cards such as Amazon Store Card, Amazon Prime Rewards Visa Signature Card, and Amazon Rewards Visa Signature Card.
These cards are similar to any universal credit and debit card but with a bonus. Each card has different benefits and rewards that make customers more likely to use it for their purchases on Amazon or other partner stores. Customers can get special offers on fuel purchases, dining, utility bills, and more.
Amazon also collaborates with central banks such as Chase, American Express, HSBC, Synchrony Bank, and U.S. Bank to offer additional cards and finance options. All the banks and benefits are mentioned below in detail for US customers.
Can Anyone Apply For An Amazon Credit Card?
Applying for an Amazon Credit Card is an excellent way to get thousands of rewards and exclusive access to certain services on Amazon.
To qualify for an Amazon Credit Card, you must be between 18 to 60 years of age and have a steady monthly income.
You could enjoy discounts from the shopping giant, get early access to deals, and extend credit limits with time.
Your credit card can be used in physical stores and online, allowing you to make purchases wherever and however you like - no more fumbling with cash!
What Is The Amazon Credit Card Credit Limit?
The Amazon Credit Card credit limit is guaranteed at least $500. However, it may increase after some time or by request. This credit limit is attractive and is a professional way to improve your financial situation.
You will be eligible for higher credit lines when you make timely payments and keep a good credit score. That’s why it pays to take advantage of the Amazon Credit Card and use it wisely.
How To Increase Your Amazon Credit Card Credit Limit?
All it takes is a simple call to (888) 247-4080. Our knowledgeable representatives are standing by and eager to assist you in this process.
Their expert tips and tricks can help you discover strategies to get the most out of your available credit.
Not only will they offer guidance, but they'll provide resources to help keep your spending within a reasonable budget.
So don't wait any longer: call (888) 247-4080 today and immediately increase your Amazon Credit Card credit limit!
Increasing your credit limit may be more challenging if your payment history is not as good. Keep in mind that it's best to start with a credit limit that is easily manageable and then build from there as you become more responsible with your finances.
What Credit Score Do You Require For The Amazon Credit Card?
Do you want to know what credit score you need for the Amazon Credit Card? Generally, card applicants are required to have an excellent or good credit score of 700 or better .
This ensures applicants have a strong history of managing their finances and responsibly handling credit.
Whether you’ve been building your credit for years or just getting started, understanding what kind of credit score is recommended could help you put your best foot forward when applying for a card.
Types Of Amazon Credit Cards: Amazon Credit Card Review
Let's only consider the Amazon Credit Card, not the ones offered in association with banks. There are four types of Amazon Credit Cards:
1. Amazon Prime Rewards Visa Signature Card
The Amazon Prime Rewards Visa Signature Card allows you to maximize rewards: with the estimated rewards earned in a single year reaching $580, and even more after five years - approximately $2,300 - the Amazon Prime Rewards Visa Signature Card offers excellent value for your purchases. That's enough to cover an Amazon Shopping spree or two, so why not unlock these savings potentials today?
The Amazon Prime Rewards Visa Signature Card is ideal for Amazon Prime members. For starters, it offers no annual fee, with access to unique financing options and Amazon.com Reward Points on every purchase made with the card.
For those looking for cash-back rewards, the card offers one of the highest unlimited cash-back rates - robust 5% cash back at Amazon.com, Whole Foods Market, and all other purchases made with the card; 2% back on at drugstores, gas stations, and restaurants; and 1% percent back on all other purchases.
Not only does the card allow for hassle-free shopping wherever you are in the world that accepts Visa cards, but it also gives those on a tight budget easy access to their rewards program - sidestepping many of the requirements often listed by similar cards out there.
The Amazon Prime Rewards Visa Signature Card is your exclusive membership to Amazon Prime, giving you access to benefits like discounts on Amazon merchandise and Amazon Prime video streaming.
It's great for Amazon shoppers, as cardholders can get a $100 Amazon.com gift card welcome bonus that offsets the $139 annual membership fee—effectively making it free your first year!
With Amazon Prime, you also get free two-day shipping and other shopping perks; plus cash back rewards every time you shop with the Amazon Prime Rewards Visa Signature Card at Amazon.com or Whole Foods Market.
2. Amazon Rewards Visa Signature Card
Amazon Rewards Visa Signature Card holders can enjoy Amazon's rewards program, with an estimated rewards return of $399 each year. As you use your Amazon Rewards Visa Signature Card, your Amazon rewards will accumulate at an estimated $1,850 after five years. Amazon Rewards give you flexibility in how you redeem points for a range of products and services, making it the perfect way to get more out of every shopping experience.
The Amazon Rewards Visa Signature Card offers several great benefits to shoppers and others. Those without Amazon Prime membership can enjoy the convenience of 3% cash back rewards for Amazon and Whole Foods purchases, as well as 2% rewards cash back at restaurants, gas stations, and drugstores.
Additionally, Amazon Rewards signature cardholders receive a $50 Amazon gift card upon sign-up with no annual or foreign transaction fees.
Whether you're an avid Amazon customer or simply looking to earn extra cash on your purchases, this Visa Signature Card could be just what you need!
3. Amazon Store Card
Amazon.com Store Card allows customers to purchase over $150 without incurring additional interest charges if the item is paid off in full within 6, 12, or 24 months! Amazon offers this no-APR deal from $150 to $800 - so there are plenty of opportunities for shoppers to take advantage of this fantastic offer. Amazon's commitment to its customers is unparalleled, and this no-APR offer is just another example of Amazon's dedication to its customer's success.
Amazon.com offers customers an Amazon.com Store Card, which allows them to purchase any items on Amazon, even if they do not have a Prime membership.
By using the Amazon.com Store Card and signing up for Amazon’s particular financing program, customers can access interest-free financing options for 6, 12, or 24 months depending on the amount of their purchase.
This handy feature helps customers who would otherwise have to pay interest rates on similar credit cards, as Amazon’s financing deals are usually more attractive.
How finance period can be provided for the customer depends on their creditworthiness and purchase amount.
- Pay no APR/interest with Amazon.com Store Card purchases of $150 and over with payment within 6 months.
- Pay no APR/interest with Amazon.com Store Card purchases of $600 and over with payment within 12 months.
- Pay no APR/interest with Amazon.com Store Card purchases of $800 and over with payment within 24 months.
- There are also equal monthly payment options available for purchases over $150.
- If your purchase amount is $150 for 6 months, the equal monthly payments will be (150 ÷ 6 equal payments = $25).
- If you decide to purchase an item for $600 over 12 months, your equal monthly payments will be ($600 ÷ 12 =$50).
- If you decide to purchase an item for $800 over 24 months, your equal monthly payments will be ($800 ÷ 24 =$33.33).
4. Amazon Prime Store Card
Amazon Prime store card is the perfect choice for anyone who wants to maximize their shopping rewards. With an Amazon Prime store card, you can earn up to 5% cashback on Amazon purchases at Amazon stores. Or, if you need financing for a large purchase, the Amazon Prime store card provides attractive promotional financing and no annual fee. With Amazon Prime Store Card, you get flexibility in your payment options and great purchase rewards.
Amazon Prime members can now earn 5% cashback when they sign up for the Amazon Prime Store Card and use it on Amazon.com.
This new program rewards customer with special offers, bonus points, and exclusive Amazon-only benefits by giving them an exclusive 5% cashback on Amazon purchases!
The card doesn't offer the same cashback as Amazon Rewards Visa Signature Card, but its exclusive offers and benefits more than make up the difference.
You can receive one of the financing or 5% cashback offers as a user. When you accept the financing option, you can make interest-free payments over 6, 12, or 24 months, depending on your purchase amount.
If you decide o receive the 5% cashback offer instead, you'll get an instant discount of 5% off your Amazon purchases throughout the year. But only one of the two offers can be chosen, so make sure you choose the best one for your needs.
How To Redeem Amazon Gift Cards?
Do you have a newfound Amazon gift card and are unsure how to redeem it? Have no worries; we’ve got your back! How does it work? Once you save your gift card or voucher, the funds are debited directly to your account and ready for you to use on your next order.
Register it on the Amazon website or app, and the balance will show up automatically on your account - to use it, add items to your shopping basket and checkout.
To redeem a gift card, here’s what you need to do:
1. Go to the Amazon website or app, and click the “Gift Cards” tab.
2. Find the claim code on the card or email sent to you - this can be a combination of letters, numbers, or both.
3. Enter the claim code and select Apply to your balance.
4. The gift card amount will be added to your account balance and can be used for future purchases.
Are Amazon Credit Cards Suitable For Travel?
Are Amazon Credit Cards suitable for travel? The answer is yes, they are. Here are some reasons why. You'll earn rewards points on every purchase with an Amazon credit card. You can use these points to book travel or shop at Amazon.com.
Using an Amazon credit card for travel is because their purchase protection plan covers you. This plan covers your purchases if they're damaged or stolen while you're traveling.
Traveling with an Amazon Credit Card offers a range of advantages, including the following: All the benefits of this offer come with some associated terms and conditions.
So before you get an Amazon credit card for travel, read the terms and conditions provided. We didn't claim that any of these advantages are 100% secure.
No Foreign Transaction Fees
If you enjoy the experience of traveling but frequent extra costs, the Amazon Credit Card offers a range of advantages.
No foreign transaction fees, competitive rewards points, and no expiration dates are just some benefits travelers can enjoy with this handy credit card.
Travel Accident Insurance
Traveling with an Amazon Credit Card can offer plenty of advantages. One such advantage is Travel Accident Insurance, which offers up to $500,000 in accidental death or dismemberment coverage if your trip is booked with an eligible Amazon Credit Card.
But some terms and conditions may apply, so reading your Amazon Credit Card agreement before traveling is essential.
Lost Luggage Reimbursement
Traveling with an Amazon Credit Card can provide a wide range of benefits, such as protection in case your luggage is lost or damaged.
With coverage up to $3,000 per passenger, you won't have to worry about bearing the brunt of unexpected travel costs if something happens while you're away.
Baggage Delay Insurance
Traveling with an Amazon Credit Card offers a great relaxing way without unnecessary burden.
On top of that, it also comes with Baggage Delay Insurance, $100 per day for up to three days if the passenger carrier delays your luggage for more than six hours.
Traveling with an Amazon Credit Card is more than just getting a good deal on purchases; it also has the added advantage of calling your Administrator for travel and emergency assistance.
The Administrator can provide referrals tailored to your situation in medical or legal disputes. Travelers seeking international legal advice, medical treatment, or other unforeseen problem can contact the Administrator's toll-free emergency number to access their extensive network of knowledgeable professionals.
Zero Fraud Liability
Traveling with an Amazon Credit Card is not only convenient, but it's secure! With Zero Fraud Liability, you never have to worry about the consequences of unauthorized purchases.
Rental Collision Damage Waiver
Traveling with an Amazon Credit Card offers peace of mind when renting a car. The Rental Collision Damage Waiver included with the card allows you to decline expensive collision coverage provided by most rental car companies in the U.S. and abroad.
So if you're planning a trip and need a rental vehicle, consider using an Amazon Credit Card for added security and convenience.
Traveling with an Amazon Credit Card offers you the extra care and support you don't get anywhere else; Roadside Dispatch is just one safeguard that comes with your Amazon Credit Card.
If you ever need help on the side of the road, no matter what time it is, you can call 1-800-847-2869 for a tow, jumpstart, tire change, lockout service, winching, or gas delivery.
So no matter where your journey takes you or what issues arise, with an Amazon Credit Card and Roadside Dispatch in your pocket, you can rest assured knowing you are covered.
Extended Warranty Protection
With Extended Warranty Protection, an additional year can be added onto valid warranties of three years or less.
This is an excellent feature for those who frequently purchase items through Amazon, as it increases the security of their products and investments.
Signature Concierge Service
Traveling has never been easier with an Amazon Credit Card; get the most out of your Visa Signature Card with the Concierge Service.
The 24-hour service means you don't need to worry about waiting in line or long bookings; call 1-800-953-7392 and get almost anything you want, whether it's tickets to sports, entertainment events, or simply dinner reservations.
Traveling with an Amazon Credit Card offers cardholders access to exclusive services and amenities that make any journey stress-free and memorable!
Additional Bank Cards
- U.S. Bank Perks+ Visa Platinum Card
- U.S. Bank Altitude Connect Visa Signature Card
- U.S. Bank Cash Rewards Visa Card
- U.S. Bank Triple Cash Rewards Visa Business Card
- U.S. Bank Altitude Reserve Visa Infinite Card
- U.S. Bank FlexPerks Select+ American Express Card
- U.S. Bank Cash+ Visa Signature Card
- U.S. Bank Altitude Go Visa Signature Card
- U.S. Bank Select Rewards Visa Business Card
- U.S. Bank FlexPerks Select Rewards Visa Card
- U.S. Bank Business Leverage Visa Signature Card
- U.S. Bank FlexPerks Travel Rewards Visa Business Card
- U.S. Bank FlexPerks Travel Rewards Visa Signature Card
- Elan Financial Services issued a credit card
- Wings Visa Debit Card
- Wings Member Rewards Visa Signature Card
- Wings Visa Platinum Card
- Buy Now, Pay Later Programm($1000 purchase at 20% APR)
- HSBC Elite Credit Card
- HSBC Premier Credit Card
- HSBC BusinessCard Credit
- Hilton Honors Points Rewards
- Blue from American Express
- The American Express Corporate Platinum Card
- The Business Platinum Card from American Express
- The Blue Business Plus Credit Card from American Express
- Business Green Rewards Card
- American Express Green Card
- American Express EveryDay Credit Card
- American Express Corporate Gold Card
- American Express Corporate Green Card
- American Express Gold Card
- American Express Business Gold Card
- The Platinum Card
- American Express EveryDay Preferred Credit Card
- Venture - VentureX
- Quicksilver - QuicksilverOne
- Savor - SavorOne
- Spark Cash - Spark Cash Plus
- Spark Miles
- Citi Double Cash Card
- Citi ThankYou Preferred Card
- CitiBusiness Card
- Citi Custom Cash Card
- Citi Premier Card
- Citi Rewards+ Card
- Citi Prestige Card
Equal Monthly Payments with Citi at 0% promo APR
- 3 equal-monthly payments on purchases of $50 or more with
- 6 equal-monthly payments on purchases of $149 or more with 0% promo APR
- 12 equal-monthly payments on purchases of $300 or more with 0% promo APR
- 18 equal-monthly payments on purchases of $600 or more with a 9.99% promo APR
- 24 equal-monthly payments on purchases of $600 or more with a 9.99% promo APR
Chase Ultimate Rewards
- Chase Freedom Student
- Chase Corporate Flex
- Chase Freedom Flex
- Chase Sapphire
- Ink Cash
- Chase Sapphire Reserve
- Chase Freedom
- Chase Sapphire Preferred
- Ink Plus
- Ink Business Unlimited
- Chase Freedom Unlimited
- J.P. Morgan Reserve
- Ink Business Cash
- Ink Business Preferred
- Ink Business Premier
Our verdict in this Amazon Credit Card Review is clear: an Amazon Credit Card could be worth it for the right shopper.
Suppose you are one of Amazon's frequent customers or enjoy the convenience of collecting Amazon Reward points for travel and other purchases. In that case, its rewards program could make your life easier.
Not only that but its generous sign-up bonus and a long list of Amazon Prime benefits will provide plenty of value to cardholders who use their card regularly.
While some fees are involved in using Amazon credit cards, they tend to be relatively low compared with many other high-quality cards on the market today.
Weighing all these factors together, we can confidently say that Amazon Credit Cards are an attractive financial option for those looking to maximize their spending experiences at Amazon.
In conclusion, Amazon's credit card has a lot of benefits and rewards that make it worth considering for anyone who is an Amazon fan.
Whether it's the cashback program, Amazon Prime Reward points, or Amazon Gift Cards, Amazon Credit Card users can get more out of their shopping experiences.
Amazon Customer Service always provides you with great help and advice whenever they can to ensure a smooth and easy shopping experience.
While there certainly are some things to consider before signing up for Amazon's credit cards, there is no doubt that Amazon's Credit Card Worth It? is one question that deserves a definitive yes!