If you shop online frequently, especially on Amazon, you might have heard about the Amazon Card—a popular option designed to reward loyal Amazon customers.
But what exactly is the Amazon Card, and how can you apply for one? In this detailed guide, I’ll walk you through everything you need to know about applying for an Amazon Card, step by step, and share some insights into how you can maximize its benefits.
Let’s get started!
What is an Amazon Card?
The Amazon Card typically refers to either the Amazon Rewards Visa Signature Card or the Amazon Store Card. Both cards offer appealing rewards, discounts, and benefits tailored for frequent Amazon shoppers, but they have some notable differences.
Amazon Rewards Visa Signature Card:
- Issued by Chase Bank.
- Usable anywhere Visa cards are accepted.
- Offers cash-back rewards on Amazon and other purchases.
Amazon Store Card:
- Issued by Synchrony Bank.
- Can only be used for purchases on Amazon.com and Amazon-owned businesses.
- Offers special financing options and discounts exclusively on Amazon.
Why Apply for an Amazon Card?
Before we jump into the application process, let’s talk about why you might want to consider an Amazon Card in the first place. Here are a few enticing reasons:
- Cash-back rewards: Earn up to 5% back on Amazon.com purchases.
- Instant approval: Many customers receive instant approval and immediate use of their card for online shopping.
- Exclusive discounts: Gain access to special financing options, particularly helpful for large purchases.
- No annual fees: Both cards offer no annual fees, making them affordable options for frequent shoppers.
Sounds appealing? Now, let’s move forward and see how you can apply for these cards.
Step-by-Step Guide to Applying for an Amazon Card
Applying for an Amazon Card is straightforward. I’ll guide you through each step in detail so you can apply confidently.
Step 1: Decide Which Card Suits You Best
As mentioned earlier, Amazon offers two primary credit card options. Here’s how you can decide:
Amazon Rewards Visa Signature Card is ideal if:
- You want a card you can use everywhere.
- You have good to excellent credit.
Amazon Store Card might suit you better if:
- You primarily shop on Amazon.com.
- You’re interested in special financing options for expensive purchases.
Once you’ve made your choice, proceed to the next step.
Step 2: Check Your Eligibility
Before applying, ensure that you meet the basic eligibility criteria:
- Be at least 18 years old (21 in Puerto Rico).
- Have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
- Have a valid U.S. address.
- Have good to excellent credit (particularly for the Amazon Rewards Visa Signature Card).
It’s beneficial to review your credit score before applying. You can use free credit check services like Credit Karma or AnnualCreditReport.com.
Step 3: Start Your Application Online
Here’s how to begin your application directly through Amazon:
- Visit Amazon’s Credit Card page.
- Choose the card you want: either the Amazon Rewards Visa Signature Card or the Amazon Store Card.
- Click on “Apply Now”.
You’ll be redirected to a secure page to start your application.
Step 4: Fill Out the Application Form
You’ll need to provide essential personal and financial information, including:
- Full Name
- Date of Birth
- Address
- Social Security Number
- Annual Income
- Employment Status and Information
Be honest and accurate in this section, as any inconsistencies can delay or lead to denial of your application.
Step 5: Review and Submit Your Application
Once you’ve completed the application form, carefully review all your details for accuracy. Pay special attention to your SSN and contact information. After confirming everything is correct, submit your application.
Step 6: Await Approval Decision
Amazon typically provides instant approval decisions within seconds. However, sometimes additional information might be required, extending the process for a few days. If approved immediately, you’ll typically see your credit limit instantly.
- Instant Approval: You can start using your card right away on Amazon purchases.
- Pending Decision: You may need to wait a few business days. Keep an eye on your email for updates.
Step 7: Activate and Use Your Amazon Card
If approved, you’ll receive your physical card in the mail within 7–10 business days. Upon receiving it:
- Activate your card through the instructions provided (usually online or via phone).
- Once activated, start using your card and enjoying your benefits.
Tips for Getting Approved Easily
Here are some practical tips that increase your chances of getting approved for the Amazon Card:
- Check your credit score: Aim for a credit score of 640 or higher for a better chance of approval.
- Maintain low credit utilization: Keep your existing credit balances low relative to your limits.
- Ensure consistent income details: Provide accurate and consistent income and employment information.
Maximizing Your Amazon Card Benefits
Now that you have your Amazon Card, here’s how to make the most out of it:
- Use your Amazon Card regularly for purchases on Amazon.com to maximize the 5% cash-back rewards.
- Take advantage of special financing when buying high-priced items (available with the Amazon Store Card).
- Monitor special Amazon events, such as Prime Day or Black Friday, for extra cardholder discounts.
Frequently Asked Questions (FAQs)
Here are some quick answers to common questions about the Amazon Card:
1. Do Amazon Cards have annual fees?
No, neither the Amazon Rewards Visa Signature nor the Amazon Store Card charges annual fees.
2. What is the APR (Annual Percentage Rate)?
APR varies based on your creditworthiness and the market, typically ranging between 16.24% and 24.24%.
3. Can I use my Amazon Rewards Visa card internationally?
Yes, it’s a Visa card, widely accepted globally, and it typically has no foreign transaction fees.
Conclusion
Applying for an Amazon Card is a straightforward process that can enhance your online shopping experience significantly. By following this guide, you’re now equipped to apply confidently, maximize your rewards, and enjoy exclusive benefits.
Ready to take advantage of the perks of being an Amazon cardholder? Head over to Amazon’s Credit Card page and apply today!
Happy shopping!