Amazon Store Card
Issued by Synchrony Bank
Earn 5% back at Amazon.com (requires an eligible Amazon Prime membership) or access promotional financing for large purchases.
ANNUAL FEE
$0
No annual fee for this card.
PURCHASE APR
29.49% – 29.49%
0% intro APR for 24 months. Rate based on Prime Rate.
SIGN-UP BONUS
60
Get a $60 Amazon Gift Card instantly upon approval.
TOP CASH BACK
5% back
Earn 5% back on all Amazon.com and Amazon physical store purchases if you have an eligible Amazon Prime membership. Can be redeemed as a statement credit or at Amazon checkout.
Key Benefits
- Earn 5% back every day on Amazon.com purchases if you are an eligible Prime member
- Access to Equal Monthly Payments promotional financing on qualifying Amazon purchases
- No annual fee for the card itself (Amazon Prime membership required for 5% back)
- Can be used online at Amazon.com and with merchants that accept Amazon Pay
- Zero fraud liability for unauthorized charges
Important Limitations
- Everyday spending outside of Amazon.com (closed-loop card)
- Carrying a balance on non-promotional purchases due to the high APR
Rewards Structure
Amazon Purchases (with Prime)
5% backAnnual limits
Unlimited (no annual cap)
Details
- Amazon
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| Amazon Purchases (with Prime) | 5% back | Unlimited (no annual cap) | • Amazon |
Fees & APR
ANNUAL FEE
$0
INTRO APR (24 MONTHS)
0%
REGULAR PURCHASE APR
29.49% – 29.49%
FOREIGN TRANSACTION FEE
0%
LATE PAYMENT FEE
$40
Card Protection & Benefits
Equal Monthly Payments (Promotional Financing)
- ✓Pay for qualifying Amazon purchases of $150 or more with equal monthly payments and 0% APR instead of earning cash back.
- ✓Must be an eligible Amazon purchase
- ✓Minimum purchase amounts apply (usually $150+)
- ✓Cannot earn 5% cash back on purchases using promotional financing
Zero Fraud Liability
- ✓You are protected from any unauthorized charges made on your Amazon Store Card.
- ✓Must report unauthorized charges promptly
Security Features
- ✓Zero Fraud Liability – Protection against unauthorized charges.
Best Use Cases
IDEAL FOR
- Amazon Prime members looking to maximize cash back on their Amazon shopping
- Shoppers who need to finance large Amazon purchases without interest
- Consumers with fair to good credit looking to build their credit history
NOT RECOMMENDED FOR
- Everyday spending outside of Amazon.com (closed-loop card)
- Carrying a balance on non-promotional purchases due to the high APR
Maximize Your Rewards Strategy
0
Months 1–24: Use 0% APR
- Finance large purchases interest-free
- Spread purchases over months
- Create payment plan before month 25
- Avoid 29.49% – 29.49% APR kicking in
- Calculate monthly payments needed
Earn More Cash Back
- 5% back on Amazon Purchases (with Prime)
- Set up autopay to avoid late fees
- Review partner programs for bonus opportunities
Ongoing: Optimize Categories
- Prioritize highest-rate qualifying expenses first
- Monitor any annual spending thresholds
- Redeem cash back at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Customer Support:
1-866-634-8379
Terms subject to change · View full terms
Last updated: Mar 11, 2026
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