Amazon.com Store Card: Apply, Login, Benefits, Payments, and more

Amazon.com Store Card: Applying for an Amazon-branded credit card that rewards you for your purchasing is a no-brainer. Furthermore, regardless of your credit score, you can earn rewards on your online purchases with the company’s wide range of credit cards.

The Prime Visa gives the best rewards rates on the majority of transactions for people with good credit. However, customers with weak or ordinary credit will still benefit from the brand’s closed-loop card, the Amazon Store Card, which is available in two variants and is issued by Synchrony.

Amazon.com Store Card Overview

There isn’t an annual cost for the card, but in order to fully benefit from the benefits, you must have Amazon Prime. Therefore, it would probably be wiser for infrequent Amazon customers who aren’t committed to their Prime subscription to apply for a different cash-back credit card.
Due to their closed-loop nature, both Amazon Store Card types are only valid at Amazon.com, Amazon-owned companies (such as Audible, Amazon Bookstore, Amazon Web Services, and comixology.com), and locations that take Amazon Pay.

The cards aren’t going to work at Whole Foods. You would need the Prime Visa for that, which offers 5% back to Prime members on Whole Foods purchases. But it’s more difficult to obtain because, as mentioned before, you need great credit to qualify.

A flat-rate credit card or one that offers points for food purchases would be a better option if your goal is to earn rewards at Whole Foods.

Rewards

You will receive 5% back on all purchases made with your linked Amazon Store Card as long as you are logged into your Amazon Prime account. You cannot receive any cash-back benefits if you do not have a Prime membership. For Prime members who buy most of their household products online or who purchase expensive items like televisions and video gaming systems, the 5% back will be extremely beneficial.

The rewards you get can be utilised at checkout to offset qualified purchases or transferred to your account as a statement credit. Additionally, cardholders are eligible for an additional 5% to 15% in rewards on specific promotional items.

Amazon.com Store Card Login

Go to the Synchrony Bank website or mobile app’s login page and enter your username and password in the corresponding boxes to access your Amazon Store Card account. After that, to access your online account, click “LOG IN.” In order to create a username and password if you don’t already have one, you must first click “REGISTER NOW.”

How to Access and Register a Card from Amazon Store?

• To gain access to your online account, register your Amazon Store Card. To verify your credit card account, click “REGISTER NOW” and provide your date of birth, account number, and the final four digits of your Social Security number.
• Select your password and username for your Amazon Store Card. The username cannot contain spaces and must consist of six to forty characters, including special characters. There must be at least one letter and one number in the password, which can be between six and forty characters. The password may contain unusual characters and is case-sensitive.
• Use your new Amazon Store Card login information to log in. Enter your new login information in the User Name and Password fields on the Synchrony Bank website or mobile app, then click “LOG IN” to access your account.

You may access and manage your Amazon Store Card account online once you have registered and logged in. You have the ability to view and pay credit card statements, track account activity, adjust passwords and set up automated payments, and pay your credit card bill.

Click “I forgot my User Name or Password” on the Synchrony Bank login screen if you can’t remember your login credentials. Then, all you have to do is follow the instructions to reset or get your password back.

Amazon Rewards Visa Signature Card: Apply, Benefits, Fees, Payment Methods, and More

How to apply for Amazon.com Store Card?

1. Open your Amazon account and log in.You must either register for a new Amazon account or sign in with an existing one before you can apply. Verify that you are logged into the account you want to be connected to the credit card you are applying for.
2. In the event that you’re utilising the Amazon app, you most likely have an account.
3. Locate the card you wish to apply for. Go directly to the page of the card you want to apply for, or visit the Credit Card Marketplace to browse every offer. To make your choice, you can study user reviews and double-check the terms and conditions.
4. Go to https://www.amazon.com/compare-credit-card-offers/b to explore the Credit Card Marketplace.Node=3561432011; ie=UTF8.
5. Click the “Apply now” button on the card page of your choice.After selecting a card, click on the credit card and then select the “Apply now” button. This will take you to the bank’s website, where Amazon might need another log-in.
6. Even though the credit card is offered by Amazon, you must apply online because it is, in fact, a bank credit card.
7. Provide all of the information requested in the application.To prevent your acceptance from being delayed, double-check that all the information you provide on the application is correct. To avoid having to get up and look for your driver’s licence, social security card, and address later, have them close at hand when filling it out.
8. The application procedure will ask for your full name, mailing address, and email address in the first part. A US address is required for the physical address. To view the next page, either scroll down or click “Continue.”
9. Your phone number, date of birth, social security number, and mother’s maiden name will be requested in the next section or page. After completing it as necessary, scroll down or select “Continue.”
10. You will be requested to provide financial information (such as your annual net income) in the third section or page. After answering all the questions, either scroll down or select “Continue.”
11. It is recommended that you thoroughly review the terms and conditions, fees, and rates of the card included on the final section or page before proceeding.
12. Send in the application.Verify that you have completed all the needed fields in your application and that no information was left blank. Prior to clicking “Submit,” select the “I agree” option located at the bottom of the page.
13. It is crucial to verify all of your information before submitting your application as it may take longer to get approved for a credit card if it is incomplete.
14. Await receiving your notification or card. All that’s left to do is wait for your application to be approved or rejected. You can start using your card number on Amazon right away if your application is accepted; you’ll hear back from Amazon in a matter of seconds.

• Within seven to ten business days, the real card will be mailed to the address you provided.
• Within two to four weeks, the bank will notify you if your application is denied.
• If you have no credit history at all or your credit score is less than 640, you might not be authorised.

Amazon.com Store Card Payment Methods

How to Pay Online Using Your Amazon Credit Card?

This well-liked method for paying your credit card bill online needs you to sign in to your account at the Synchrony Bank Amazon online credit centre, regardless of whether you wish to pay the minimum amount due or pay off your entire debt. To make a one-time payment, take the following actions:

1. Open your account and log in.
2. Move the pointer over “Payments” and choose “View and Make Payments.”
3. Decide if you wish to pay your current balance, the sum on your bill, or some other amount, or a minimum payment.
4. Choose a date for payment.
5. Fill up the relevant fields with the routing number of your bank and the number of your checking account, then click “Confirm.”

Additionally, cardholders of Synchrony have the option to “Pay as Guest,” which allows them to make payments without accessing their account. You will need to input your ZIP code, card number, and Social Security number in order to access this function.

How to Use Your Phone to Pay Your Amazon Credit Card Bill?

By using Synchrony Bank’s automatic payment system, you can send any amount payment. Additionally, you can press 0 to speak with a customer support agent.

To pay your Amazon credit card bill over the phone, follow these steps:

1. Dial 866-634-8379 to reach Synchrony Bank.
2. Await the prompts, then hit the two keypad buttons.
3. Pay attention to the prompts and hit one on the keypad.
4. To help the system recognise your account, provide the account number associated with your Amazon Store Card.
5. To make your payment, adhere to the instructions.

How to Pay with a Mail Order for an Amazon Credit Card?

Payments can also be mailed to Synchrony. Nevertheless, it can take up to five days for your payment to be credited when Synchrony confirms receipt. Take these actions:

1. Write Synchrony Bank or Amazon on your cheque or money order.
2. Put your payment and the remittance form from your statement together, filling in the desired amount to be paid.
3. Pay your invoice to:

Bank Synchrony / Amazon P.O. Orlando, FL 32896-0013, Box 960013

The due date for your Amazon credit card as an Amazon cardholder is at least 23 days after the end of the billing cycle. If your amount is paid by the due date each month, interest will not be assessed on purchases made by you. By 5 p.m., payments are due. EST. If you are unable to pay your Amazon credit card payment on time, you may be assessed a late fee of up to $40.

Fees and Bonus

If the full purchase price is paid in full within six, twelve, or twenty-four months, there is no interest applied to any Amazon transaction of $150 or more.

Standard Annual Percentage Rate

Variable at 27.49%

Transfer of balance fee

Not applicable

Transaction fees for overseas transactions

Not applicable

If you’re not a Prime member but still want to make a major Amazon buy, Synchrony offers the Amazon.com Store Card, which allows you to finance interest-free purchases for six, twelve, or twenty-four months.

Special financing 

• If the whole purchase price is paid in full within six months, interest is not charged on purchases made on Amazon.com for $150 or more.
• If the total purchase price is paid in full within a year, interest is not charged on purchases made on Amazon.com for up to $600.
• If the total purchase price is paid in full within 24 months, certain Amazon.com purchases of $800 or more will not incur interest.

Equal installments each month

• For purchases made on Amazon.com for $150 or more, pay in equal installments every month for six months at no interest.
• Pay no interest on purchases made on Amazon.com for $600 or more over a 12-month period in equal installments.
• Pay no interest for 24 months on some Amazon.com purchases when you make equal monthly payments.

You still have to pay at least the minimum amount each month during the special financing period. To fully benefit from the intro period, you must pay off the entire sum before the conclusion of the intro period; otherwise, you will be responsible for paying back all of the interest that you accrued during the 6-, 12-, or 24-month term (referred to as deferred interest). Following the completion of the intro period, the variable APR is high, at 27.49%.

After your credit card application is approved, you can receive a $60 Amazon gift card, but there are no cash-back rewards for spending money.

Who is the Amazon.com Store Card best for?

The Amazon.com Store Card may be useful to you if you’re a Prime member and have an endless stream of Amazon deliveries on their way to your home. This is due to the card’s extremely high rewards rate, which allows Prime cardholders to receive 5% back at Amazon.com.

On purchases of $150 or more, you can choose to use special financing instead of rewards. However, use caution—if you are unable to pay the entire sum during the promotional time, this choice may result in costly interest charges.

All things considered, we primarily advise the Amazon Prime Store Card if you plan to pay off your amount in full each month and would rather accrue benefits than use the special financing option. However, if you want greater freedom in where you can earn and spend your rewards and intend to carry a load from month to month, a cash back credit card like the Bank of America® Customised Cash Rewards credit card would be a better fit.