Does Amazon Credit Card accept bad credit?
Yes, you can get approved for an Amazon credit card with bad credit, the Amazon Secured Credit Card. This card has a $0 annual fee, reports to the major credit bureaus each month, and does not have a minimum credit score requirement.
The Amazon Secured Card is built for people who are new to credit, or who would like to rebuild their credit.
Typically, you can qualify for Synchrony's Amazon store cards with a fair credit score (580 to 669). On the other hand, you'll likely need at least a good credit score (670 to 739) to qualify for one of the Amazon Visa cards from Chase.
Card name | Annual fee | Bankrate review score |
---|---|---|
Discover it Secured® Secured Credit card | $0 | 5 / 5 |
Petal® 2 “Cash Back, No Fees” Visa® Credit card | $0 | 5 / 5 |
Mission Lane Visa® Credit card | $0 to $59 | 3.4 / 5 |
Indigo® Mastercard® | $0 to $99 | 2.2 / 5 |
Yes, there is one Amazon credit card you can get with no credit, the Amazon Secured Credit Card. This card is designed as a credit building tool with a $0 annual fee that also accepts applicants with bad credit. Plus, it reports your payment history to the major credit bureaus.
According to Amazon, you're more likely to be approved for an Amazon credit card if your credit score is above 640. Amazon provides credit score ranges, which it has based on scores that have been commonly used.
One of the best credit cards for a 550 credit score is the OpenSky® Plus Secured Visa® Credit Card because it has a $0 annual fee and there's no credit check when you apply, so approval is almost guaranteed. You just need $300 for a refundable security deposit and enough income to make monthly payments.
- Best for students: Discover it® Student Cash Back.
- Best for no annual fee: Citi Double Cash® Card.
- Best secured credit card: Discover it® Secured Credit Card.
- Best for cash back: U.S. Bank Cash+® Visa® Secured Card.
- Best for no credit: Petal® 2 “Cash Back, No Fees” Visa® Credit Card.
- Excellent: Credit score above 720.
- Good: Credit score above 680.
- Fair: Credit score above 640.
You may be instantly approved for the Amazon Credit Card, if you're a clear match for the card's approval requirements. Otherwise, it could take as long as two to four weeks to receive a decision on your application. The same goes for the Amazon Store Card, too.
What credit card has a $2000 limit for bad credit?
First Latitude Select Mastercard® Secured Credit Card
Choose your own fully-refundable credit line – $200 to $2000 – based on your security deposit. No minimum credit score required for approval!
First Progress Platinum Elite Secured Mastercard: The First Progress Platinum Elite Secured Mastercard requires no credit history or minimum credit score for approval. Your security deposit is refundable, and the card is accepted nationwide.
Some of the easiest unsecured cards to get approved for are the Indigo® Mastercard®, Mission Lane Visa® Credit Card and Milestone® Mastercard®.
Amazon Visa credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC.
The Prime Visa credit limit is $500. Everyone who gets approved for Prime Visa is guaranteed a credit limit of $500 no matter how creditworthy they are. If you are looking for a higher credit limit than $500, you should apply for a credit card from a different issuer.
Capital One® Walmart Rewards® Card
Start earning cash back on purchases today upon approval, all with a $0 annual fee*. no risk to your credit score. Application via Capital One®.
You need a credit score of 640 or higher to get approved for the Amazon Store Card. The better your credit score is and the more income you have, the higher your odds of getting approved for the Amazon Store Card will be.
It indicates you've had past credit difficulties, which makes lenders see you as a potential risk. That's why the best credit cards for a 480 credit score are usually secured credit cards. They're easier to get and much less expensive than unsecured credit cards for bad credit.
You need a credit score of 640 or higher to get a Walmart credit card. This means you are eligible if you have fair credit or better, but factors such as your income, existing debt load, recent credit inquiries, employment status, and housing status will also impact your chances.
You need a credit score of 670 or higher for most Chase credit cards.
Can I get a Discover card with a 550 credit score?
You can get a Discover credit card with any credit score or even no credit history at all. Discover has credit card options to fit every consumer. If you have bad credit or no credit history, you could get a secured card with Discover.
No, it's not hard to get a Walmart Credit Card. You only need fair credit to qualify for a Walmart Credit Card, so you should have a good chance of getting approved as long as your credit score is 640 or higher, you have a steady income, and you're both a U.S. resident and 18+ years old.
You can build your credit when no one will approve you by applying for a secured credit card with no credit check and using it responsibly. Secured credit cards without a credit check do not take your credit history into consideration and they require a refundable security deposit, making the approval odds very high.
The Bank of America® Customized Cash Rewards Secured Credit Card is the easiest Bank of America credit card to get because you can get approved with bad credit. This means the odds of approval are good even with a credit score below 640.
The best credit card overall is the Wells Fargo Active Cash® Card because it gives 2% cash rewards on all purchases and has a $0 annual fee. For comparison purposes, the average cash rewards card in 2024 gives about 1% back.
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