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.

Why Should We Get Amazon Credit Card?

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.

Best Amazon Credit Cards

Amazon Credit CardsDetails
Amazon Rewards Visa Signature CardEarn rewards points on Amazon and Whole Foods purchases, as well as everyday purchases. Redeem points for Amazon purchases or statement credits.
Amazon Prime Rewards Visa Signature CardDesigned for Amazon Prime members, offering enhanced rewards and benefits, including higher cashback rates on Amazon and Whole Foods purchases.
Amazon Store CardFocused on Amazon.com purchases with promotional financing options for larger purchases, allowing you to finance Amazon buys without interest.
Amazon Business Prime American Express CardGeared towards Amazon Business customers, offering rewards on Amazon Business and Whole Foods Market purchases, tailored to business needs.
Amazon Business American Express CardDesigned for Amazon Business customers without requiring Amazon Prime membership, offering rewards for business-related purchases.

Amazon Credit Card Benefits

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:

Amazon Rewards Visa Signature Card

  • 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.

Amazon Prime Rewards Visa Signature Card

  • 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.

Amazon Store Card

  • 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.

Amazon Business Prime American Express Card

  • 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.

Amazon Business American Express Card

  • 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

Amazon Pay ICICI Credit Card
Amazon Secured Card

Amazon Pay ICICI Credit Card

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

Amazon Secured Card

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.

Amazon Credit Card Eligibility

  • 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.

How to apply Amazon Credit Card?

  • 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.
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Who is eligible for Amazon Credit Card?

Eligibility criteria for Amazon credit cards may vary by card type and issuer. Typically, eligibility is based on factors such as your credit score, income, and credit history. To determine your specific eligibility, you should visit the Amazon website or contact the card issuer for detailed information.

What is Amazon pay credit card?

The Amazon Pay Credit Card is a co-branded credit card offered by Amazon in partnership with financial institutions. It allows cardholders to earn rewards or cashback on their Amazon purchases and provides special financing options for Amazon-related transactions. The exact features and benefits of the Amazon Pay Credit Card may vary depending on the specific issuer and location.

Is Amazon Credit Card a real credit card?

Yes, Amazon offers various credit cards in partnership with different financial institutions, and these are real credit cards. They can be used for making purchases, and they come with rewards, benefits, and credit limits just like other credit cards.

What is the 2% cashback offer on Amazon ICICI credit card?

The 2% cashback offer on the Amazon ICICI credit card is a benefit where cardholders earn 2% cashback on transactions made on Amazon.in and 1% cashback on all other transactions. It’s a rewards program offered by ICICI Bank for their Amazon co-branded credit card.

What is the limit on Amazon credit card?

The credit limit on an Amazon credit card is determined by the card issuer and is based on various factors, including your creditworthiness, income, and credit history. Credit limits can vary from person to person, and responsible card usage can often lead to credit limit increases over time.

Is Amazon safe credit card?

Amazon, in partnership with reputable financial institutions, offers safe and legitimate credit cards. However, it’s important for cardholders to use their credit cards responsibly and take measures to protect their financial information. Be cautious about phishing scams and only apply for Amazon credit cards through official channels to ensure safety.

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The information provided in this article only for informational purposes. We strive to deliver accurate and up-to-date content, but please note that Some terms, offers, and regulations may change over time.

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