Best Amazon Credit Card Details, Know Before Apply

An Amazon credit card is like a special card that you can use to shop on the Amazon website. It’s a bit like a regular credit card, but it’s designed specifically for Amazon customers.

When you use the Amazon credit card to buy things on Amazon, you can often get rewards like cashback or discounts on your purchases.

It’s a way to make shopping on Amazon more convenient and save some money at the same time.

Deciding if you should get an Amazon credit card is about looking at how you shop and what you want from your money. There are some good reasons to consider it:

You can earn rewards and savings on your Amazon buys, and some cards offer helpful payment plans for bigger purchases.

If you’re an Amazon Prime member, you get extra perks with certain cards, and many of them don’t have yearly fees, making them budget-friendly.

These cards also make shopping on Amazon more straightforward, as you don’t have to type in your payment details each time. Plus, using a credit card responsibly can improve your credit score.

However, it’s important to be cautious if you tend to overspend or struggle with credit management, and you should be aware of interest rates and fees.

Applying for a card may briefly affect your credit score, so it’s also a good idea to explore if there might be other cards that suit your spending habits better.

Before making a decision, carefully read the card’s terms and see if it aligns with your financial goals.

To select the best Amazon Credit Card, evaluate your spending habits, consider whether you’re an Amazon Prime member, assess fees, and compare rewards and financing options. Make an informed choice. Let’s see each credit cards benefits:

• 3% cashback on Amazon and Whole Foods purchases.
• 3% cashback on purchases made through Chase Travel.
• 2% cashback at restaurants, gas stations, and local transit.
• 1% cashback on all other purchases.
• No annual fee.
• Flexible rewards redemption.
• Potential sign-up bonuses.
• Accepted anywhere that takes Visa.

• 5% cashback on Amazon and Whole Foods purchases.
• 5% cashback on purchases made through Chase Travel.
• 2% cashback at restaurants, gas stations, and local transit.
• 1% cashback on all other purchases.
• No annual fee for the card (requires Amazon Prime membership).
• Flexible rewards redemption.
• Potential sign-up bonuses.
• Accepted anywhere that takes Visa.

• 5% cashback or special financing options (for Prime members).
• Special financing for non-Prime members.
• No annual fee for the card (requires Amazon Prime membership for cashback).
• Exclusive Prime card offers for extra rewards.
• Available for use only at Amazon.
• Potential sign-up bonuses.
• Rewards can be used for Amazon purchases or as statement credits.

• 5% cashback on U.S. purchases at Amazon Business, AWS, Amazon, and Whole Foods (up to $120,000 annually).
• 2% cashback on U.S. purchases at U.S. restaurants, U.S. gas stations, and wireless telephone services purchased directly from U.S. service providers.
• 1% cashback on all other purchases.
• 90-day financing on Amazon business purchases (if you choose financing, it doesn’t count toward the $120,000 cap).
• No annual fee for the card (requires Amazon Prime membership).
• Bonus rewards in various categories.
• Potential sign-up bonuses.
• Accepted anywhere that takes American Express.

• 3% cashback on U.S. purchases at Amazon Business, AWS, Amazon, and Whole Foods (up to $120,000 annually).
• 2% cashback on U.S. purchases at U.S. restaurants, U.S. gas stations, and wireless telephone services purchased directly from U.S. service providers.
• 1% cashback on all other purchases.
• 60-day financing on Amazon purchases.
• No annual fee for the card.
• Bonus rewards in various categories.
• Potential sign-up bonuses.
• Accepted anywhere that takes American Express.

Other Amazon Credit Cards

The Amazon Pay ICICI Credit Card is a collaborative credit card offered in partnership between Amazon India and ICICI Bank, designed to cater to avid online shoppers, particularly those who frequently make purchases on Amazon.in and other digital platforms.

This credit card offers an array of attractive features, including the ability to earn rewards in the form of cashback on a variety of transactions, spanning Amazon purchases, recharges, bill payments, and more.

• No annual or joining fee
• No expiry date for reward points
• Redeem points at over 100 Amazon Pay partner merchants and Amazon.in
• Cashback on groceries, flight tickets, mobile, and more on Amazon
• Cashback on recharges, bill payments, and more on Amazon
• Cashback on payments outside Amazon through Amazon Pay
• Welcome rewards, free EazyDiner Prime Membership, and cashback on initial usage
• Dining benefits with discounts at partner restaurants
• Fuel benefits with 1% fuel surcharge waiver
• Enhanced security features, including a microchip and PIN for transactions
• 3D Secure for secure online transactions

The Amazon Secured Card, issued by Synchrony Bank, is a unique store credit card that requires a security deposit upfront, ranging from $100 to $500, which becomes the card’s credit limit.

Unlike most store cards that are unsecured, this secured card offers the advantage of a fixed, lower APR at 10%, making it useful for those who may need to carry a balance. Additionally, Amazon Prime members can earn rewards, receiving 2% back on eligible Amazon purchases.

The card has no annual fee, but an Amazon Prime membership costs $139 annually. Responsible use for 12 months may lead to eligibility for an unsecured Amazon store card with the deposit returned.

• Credit Score: Typically, a good credit score is required for approval.
• Income: A minimum income threshold may be necessary.
• Credit History: A positive credit history is often preferred.
• Age: Cardholders should be of legal age (18 or 21, depending on the issuer).
• Specific Card Requirements: Eligibility criteria may vary for different Amazon credit card types.
• Application Process: Applicants need to apply online and provide necessary information.
• Terms and Conditions: Card issuers may have specific terms for eligibility.

• Visit Amazon: Go to Amazon’s official website or app.
• Choose a Card: Select the Amazon credit card that suits your needs.
• Check Eligibility: Review the eligibility criteria to ensure you qualify.
• Start Application: Click “Apply Now” to initiate the application process.
• Provide Information: Fill out the application form with your personal and financial details.
• Submit Application: Once complete, submit the application online.
• Wait for Review: The card issuer will review your application and credit history.
• Approval: If approved, you will receive the card in the mail.
• Activate Card: Follow the issuer’s instructions to activate the card.
• Start Using: You can now use your Amazon credit card for purchases.

R.R Singha

Hey, I’m Ratiranjan Singha, the Creator of Myworldstuffs.com. I Offer in-Depth Articles and Guides that Help you to Understand Various Financial Concepts.