Is Amazon Credit Card easy to get?
Typically, you can qualify for Synchrony's
The Amazon Credit Card and the Prime Visa are fairly hard to get because you need at least good credit (a 700+ credit score) to have good approval odds. The Amazon Store Credit Card and the Amazon Secured Credit Card are much easier to get.
Your Amazon Credit Card approval odds are good if you have a credit score of 700+, which is considered good credit. Approval odds for the Amazon Credit Card will also be influenced by your annual income and existing debts. Applicants will need to be 18+ years old with a U.S. mailing address and an SSN or ITIN, as well.
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.
Chip Lupo, Credit Card Writer
Yes, the Amazon Store Card does a hard inquiry on your credit report when you apply.
The OpenSky® Plus Secured Visa® Credit Card is the easiest credit card to get approved for because there's no credit check for new applicants. In addition to being easy to get, the OpenSky Plus Card has a $0 annual fee and reports to the major credit bureaus, making it easy to save money and build credit.
Chip Lupo, Credit Card Writer
Everyone who gets approved for Amazon Credit Card 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.
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.
Building Credit with Amazon Secured Card
Synchrony Bank will report your account activity to the major credit bureaus. Building a history of on-time payments can help build your credit. As a cardholder, you have several tools at hand to help you learn to build your credit through responsible usage.
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.
How do I know if I qualify for Amazon Credit Card?
- Excellent: Credit score above 720.
- Good: Credit score above 680.
- Fair: Credit score above 640.
The Amazon Store Credit Card and the Amazon Secured Credit Card are much easier to get. You can get the store card with fair credit (a 640+ score), and even people with bad credit can get the secured card.
Amazon Visa credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC.
Owning more than two or three credit cards can become unmanageable for many people. However, your credit needs and financial situation are unique, so there's no hard and fast rule about how many credit cards are too many. The important thing is to make sure that you use your credit cards responsibly.
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.
Card name | Reward highlights | Fees |
---|---|---|
Mission Lane Cash Back Visa® Credit Card | Unlimited 1 percent or 1.5 percent for all qualifying purchases | $0 annual fee |
Capital One Platinum Credit Card | N/A | $0 annual fee |
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.
Centurion® Card from American Express
A rating of 5 is the best a card can receive. Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.
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!
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.
How often does Amazon increase credit limit?
This may happen as often as every six to 12 months. Keep in mind that your chances of getting a credit limit increase are best if you've made the last six consecutive payments for the account on time. Having a low credit utilization rate also helps, as that shows you're not desperate to borrow more.
The 5/24 rule is an unofficial policy that dictates that Chase won't approve you for its cards if you've opened five or more personal credit card accounts from any issuer in the last 24 months. Put simply, the number of cards you've opened in the previous two years will affect your approval odds with Chase.
Being denied for a credit card doesn't hurt your credit score. But the hard inquiry from submitting an application can cause your score to decrease.
There are multiple FICO Score versions available for lenders to use. Apple Card uses FICO Score 9. FICO Score 9 ranges from 300 to 850, with scores above 660 considered favorable for credit approval.
References
- https://pay.amazon.com/blog/for-shoppers/safety-and-security-are-at-the-heart-of-amazon-pay
- https://money.usnews.com/credit-cards/articles/how-long-does-it-take-to-build-credit
- https://www.usnews.com/banking/reviews/synchrony-bank
- https://wallethub.com/answers/cc/credit-score-needed-for-discover-card-1000338-2140658738/
- https://www.synchrony.com/docs/pwoli_getting_started_guide.pdf
- https://wallethub.com/answers/cc/credit-card-for-550-credit-score-1000373-2140665204/
- https://www.linkedin.com/pulse/easy-guide-instant-transfer-routing-account-number-without
- https://www.synchrony.com/mobile-app
- https://www.amazon.com/gp/help/customer/display.html?nodeId=T5QDjfszhE0615eApk
- https://www.businesstoday.in/technology/news/story/amazon-pay-get-rbis-payment-aggregator-license-see-details-419034-2024-02-27
- https://www.bankrate.com/finance/credit-cards/credit-cards-for-600-credit-score/
- https://en.wikipedia.org/wiki/Synchrony_Financial
- https://wallethub.com/answers/cc/amazon-credit-card-limit-1000420-2140719269/
- https://lendingusa.com/blog/financing/all-about-10000-personal-loans/
- https://www.amazon.in/gp/help/customer/display.html?nodeId=GFBWMNXEPYVJAY9A
- https://www.quora.com/What-credit-score-is-needed-for-synchrony
- https://www.synchrony.com/contenthub/newsroom/synchrony-bank-launches-new-website-to-improve-customer.html
- https://www.fool.com/the-ascent/credit-cards/target-redcard-review/
- https://www.nerdwallet.com/article/credit-cards/making-the-most-of-amazon-com-prime-store-card
- https://www.marketwatch.com/guides/personal-loans/can-you-get-a-loan-with-a-550-credit-score/
- https://wallethub.com/answers/cs/how-to-build-credit-when-no-one-will-approve-you-2140649569/
- https://www.quora.com/What-credit-bureau-does-Amazon-pull-from-when-applying-for-an-Amazon-Credit-Card
- https://www.fool.com/the-ascent/research/average-credit-score/
- https://wallethub.com/easiest-credit-card-to-get
- https://www.cnn.com/cnn-underscored/money/chase-5-24-rule
- https://cleartax.in/s/how-to-transfer-amazon-pay-balance-to-bank-account
- https://wallethub.com/best-credit-cards
- https://www.amazon.com/gp/help/customer/display.html?nodeId=G89QUJBK88DGDQQ7
- https://www.quora.com/Does-Amazon-have-its-own-bank
- https://www.synchronybank.com/banking-resources/faq/
- https://www.amazon.com/Shop-Points-Bank-America-Rewards/dp/B0BB11442S
- https://help.comporium.com/s/article/How-to-Set-Up-an-Amazon-Account-without-a-Credit-Card
- https://paymentservices.amazon.com/docs/EN/20.html
- https://www.amazon.com/Synchrony-Bank-Amazon-com-Secured-Store/dp/B084KP3NG6
- https://wallethub.com/answers/cc/walmart-credit-card-credit-score-1000338-2140665824/
- https://www.quora.com/Can-I-use-my-synchrony-credit-card-on-Amazon
- https://www.mastercard.us/credit-type/bad-credit/
- https://www.bankrate.com/finance/credit-cards/amazon-store-cards-vs-amazon-visa-credit-cards/
- https://www.fool.com/the-ascent/credit-cards/articles/heres-how-many-americans-have-a-perfect-850-credit-score/
- https://www.cnbc.com/select/easiest-credit-cards-to-get/
- https://stellarfi.com/answer/what-credit-score-do-you-need-for-an-amazon-credit-card
- https://www.amazon.com/b?ie=UTF8&node=14375242011
- https://www.synchrony.com/financing
- https://wallethub.com/answers/cc/amazon-store-card-hard-pull-2140683038/
- https://www.latimes.com/compare-deals/credit-cards/guides/amex-pre-approval
- https://www.experian.com/blogs/ask-experian/what-can-someone-do-with-your-bank-account-and-routing-numbers/
- https://wallethub.com/answers/cc/560-credit-score-credit-card-1000373-2140769094/
- https://pay.amazon.com/help/202059810
- https://www.cnbc.com/select/amazon-credit-cards-credit-score/
- https://www.investopedia.com/what-is-the-easiest-credit-card-to-get-approved-for-5077189
- https://pay.amazon.com/help/81248
- https://www.linkedin.com/pulse/what-online-stores-accept-routing-account-numbers-payment-f8pfe
- https://www.apple.com/apple-card/financial-health/
- https://wallethub.com/answers/cc/easiest-department-store-credit-cards-to-get-2140660198/
- https://wallethub.com/answers/cc/see-all-synchrony-credit-cards-opened-in-my-name-2140839008/
- https://wallethub.com/answers/cc/how-hard-is-it-to-get-amazon-credit-card-1000366-2140767302/
- https://creditcards.chase.com/cash-back-credit-cards/amazon-rewards
- https://www.askhandle.com/blog/can-i-use-my-synchrony-credit-card-on-amazon
- https://www.equifax.com/personal/education/credit-cards/articles/-/learn/how-many-credit-cards-should-i-have/
- https://wallethub.com/answers/cc/american-express-credit-score-requirements-1000338-2140726659/
- https://wallethub.com/hardest-credit-card-to-get
- https://wallethub.com/answers/cc/credit-card-for-650-credit-score-1000373-2140678799/
- https://wallethub.com/answers/cc/how-do-i-make-a-payment-to-synchrony-bank-2140013716/
- https://wallethub.com/answers/cs/how-long-to-go-from-500-to-700-credit-score-1000028-2140832798/
- https://wallethub.com/d/target-credit-card-2013c
- https://www.usatoday.com/money/blueprint/credit-score/what-score-approval-american-express/
- https://www.cnet.com/personal-finance/credit-cards/best/best-credit-cards-for-a-580-credit-score-and-below/
- https://wallethub.com/answers/cc/walmart-credit-card-bad-credit-2140662049/
- https://www.cnbc.com/select/does-getting-denied-for-credit-card-hurt-credit-score/
- https://wallethub.com/answers/pl/how-much-can-i-borrow-with-a-550-credit-score-1000508-2140806914/
- https://www.meettally.com/store-credit-cards/amazon-prime-store-card
- https://www.amazon.com/gp/help/customer/display.html?nodeId=GLZ9M2SPG2BJ6RVZ
- https://wallethub.com/answers/cc/amazon-store-card-credit-score-1000338-2140664394/
- https://medium.com/@aquilaresources/instant-transfer-with-routing-and-account-number-without-verification-in-2024-c6b1f74a63b1
- https://wallethub.com/answers/cc/synchrony-bank-credit-cards-list-2140803927/
- https://www.synchrony.com/contenthub/newsroom/synchrony-bank-formerly-ge-capital-retail-bank-resolves.html
- https://wallethub.com/answers/cc/can-i-get-an-american-express-credit-card-with-a-600-credit-score-2140777131/
- https://www.icicibank.com/personal-banking/cards/credit-card/amazon-pay-credit-card
- https://wallethub.com/answers/cc/how-many-synchrony-cards-can-i-have-2140744409/
- https://www.self.inc/blog/credit-score-for-amazon-card
- https://www.synchrony.com/help/faqs
- https://www.amazon.com/gp/help/customer/display.html?nodeId=THdc04HTfmVALRl96K
- https://pay.amazon.com/help/201725470?nodeId=5970
- https://wallethub.com/answers/cc/how-long-does-it-take-to-get-approved-for-amazon-credit-card-2140682537/
- https://pay.amazon.com/help/69871
- https://grabarlaw.com/the-latest/synchrony-financial-investigation/
- https://wallethub.com/answers/cc/how-often-does-amazon-com-credit-card-increase-credit-limit-1000397-2140834343/
- https://wallethub.com/answers/cc/amazon-prime-rewards-visa-signature-card-approval-odds-1000358-2140678573/
- https://wallethub.com/answers/cc/synchrony-bank-pre-approval-2140665338/
- https://www.amazon.com/gp/help/customer/display.html?nodeId=G56ZWYRDFCCC5TKR
- https://wallethub.com/credit-score-range/600-credit-score
- https://wallethub.com/answers/cc/store-card-with-500-credit-score-1000314-2140817349/
- https://wallethub.com/answers/cc/amazon-credit-card-pre-qualify-1000285-2140688567/
- https://money.usnews.com/loans/personal-loans/articles/how-to-get-a-personal-loan-with-a-550-credit-score
- https://www.experian.com/blogs/ask-experian/credit-education/score-basics/550-credit-score/
- https://www.americanbanker.com/list/how-amazon-apple-facebook-google-are-infiltrating-financial-services
- https://wallethub.com/answers/cc/amazon-credit-card-credit-score-1000338-2140612087/
- https://www.experian.com/blogs/ask-experian/credit-education/score-basics/650-credit-score/
- https://www.amazon.com/gp/help/customer/display.html?nodeId=GSNBBJP63SM65UDB
- https://wallethub.com/answers/cc/amazon-credit-card-application-status-1000032-2140667869/