Amazon.com Store Card

by Synchrony Bank
  • 5% back with an eligible Prime membership4
  • 6 equal monthly payments with 0% interest on purchases $150 or more7
  • 12 equal monthly payments with 0% interest on purchases $600 or more7
  • 24 equal monthly payments with 0% interest on select purchases $600 or more7
  • Special Financing options available on purchases of $150 or more7
  • No annual fee8





Sign-Up Offer

  • A $10 Amazon.com Gift Card1 will instantly be loaded into your Amazon.com Account upon the approval of your credit card application



Benefits

  • 5% back with an eligible Prime membership Amazon Prime members are eligible for the Amazon Prime Store Card and can earn 5% back on all purchases automatically.4
  • Equal monthly payments with 0% interestLearn more
  • 6 equal monthly payments with 0% interest on purchases of $150 or more 7
  • 12 equal monthly payments with 0% interest on purchases of $600 or more 7
  • 24 equal monthly payments with 0% interest on select purchases of $600 or more 7
  • Special Financing optionsLearn more
  • 6 month special financing on purchases of $150 or more 7
  • 12 month special financing on purchases of $600 or more 7
  • 24 month special financing on select purchases of $800 or more 7
  • No annual fee8
  • Zero fraud liability 9
  • Online and mobile account management



Product Description

Annual Percentage Rate
Purchase APR27.49%*
Minimum Interest ChargeIf you are charged interest, the charge will be no less than $1.50.
*This APR will vary with the market based on the Prime Rate.
Fees
Annual Fee$0
Other Information
Application Eligibility(1) Your credit history is clear of bankruptcies and seriously delinquent accounts. (2) You are at least 18 years old and have a valid social security number. (3) You have not submitted an application for an Amazon.com Store Card in the past 90 days.
IssuerSynchrony Bank




Important Information from Amazon

The information provided is for summary purposes only and at the time of posting is believed to be accurate. When you click on the Apply Now button you can review the current credit card and rewards terms and conditions on the financial institution's web site. Amazon is not a financial service provider and does not have any information in respect of your financial situation, your credit history or your suitability for any credit card. Please review the terms and conditions of each credit card and rewards offer carefully to determine what product may be best suited for you and your financial circumstances.

Amazon will not assist you in obtaining a credit card and does not guarantee or represent that you will receive credit.

*Amazon.com Gift Cards: Amazon.com Gift Cards are issued by ACI Gift Cards, Inc., a Washington corporation. For complete terms and conditions, see http://www.amazon.com/gc-legal. No expiration or service fees.

Additional Information from Issuer

The Amazon.com Store Card and the Amazon Prime Store Card are issued by Synchrony Bank. If you have questions about the Amazon.com Store Card or the Amazon Prime Store Card, call 1-866-634-8379, available 24 hours a day. The Amazon.com Store Card and the Amazon Prime Store Card may be used for most purchases at Amazon.com, select physical Amazon stores that accept the Amazon.com Store Care or the Amazon Prime Store Card as a payment option (See About Amazon.com Store Card Restrictions for a complete list of exceptions) and for purchases from other merchants who have enabled the Amazon.com Store Card and the Amazon Prime Store Card as a payment option using Pay With Amazon.

1. Limited Time Offer Details. Upon approval of your Amazon.com Store Card application, an Amazon.com Gift Card with the value described above will be loaded into your Amazon.com account. Amazon.com Gift Cards are issued by ACI Gift Cards, Inc., a Washington Company. See Amazon.com Gift Card Terms and Conditions for complete terms and conditions.

2. The Amazon.com Store Card. The Amazon.com Store Card is available to customers with an Amazon.com account, subject to credit approval. Special financing and equal monthly payments offers may apply to purchases made using the Amazon.com Store Card. The 5% back benefit may apply to purchases (less returns and other credits) made using the Amazon.com Store Card when signed into an Amazon.com account with an Eligible Amazon Prime Membership, including 1-Click orders and purchases made at physical Amazon locations (in each case, where 5% back is selected as the default option or where special financing or equal monthly payments is selected as the default option but is not available for the particular purchase).

3. The Amazon Prime Store Card. The Amazon Prime Store Card is available to customers with an Eligible Amazon Prime Membership only, subject to credit approval. Special financing and equal monthly payments offers may apply to purchases made using the Amazon Prime Store Card. The 5% back benefit may apply to purchases (less returns and other credits) made using the Amazon Prime Store Card (i) when signed into an Amazon.com account of a customer with an Eligible Amazon Prime Membership; or (ii) when signed into any Amazon.com account so long as the cardholder maintains their Eligible Amazon Prime Membership on the Amazon.com account from which they originally applied for the Amazon.com Store Card, in each case including 1-Click orders and purchases made at physical Amazon locations (in each case, where 5% back is selected as the default option or where special financing or equal monthly payments is selected as the default option but is not available for the particular purchase).

4. Changing from the Amazon.com Store Card to the Amazon Prime Store Card. At the time you become both (i) a cardholder of an Amazon.com Store Card and (ii) a customer with an Eligible Amazon Prime Membership, you will automatically be updated respectively to the Amazon Prime Store Card. “Eligible Amazon Prime Memberships” only apply to Amazon.com accounts (and not accounts on any other affiliated websites outside the U.S.) and may include, in Amazon’s sole discretion: annual and monthly Amazon Prime subscriptions and members of their Amazon Household (excluding Amazon Prime Video and invited guests of an Amazon Prime account), Amazon Prime Fresh, Amazon Family, Amazon Prime Student and trial memberships of Amazon Prime. The Amazon Prime Store Card is governed by the same Synchrony Bank terms and privacy policy as the Amazon.com Store Card. Your Amazon Prime Store Card will be changed back to an Amazon.com Store Card if you cease to be a customer with an Eligible Amazon Prime Membership.

5. Important information about your benefits and offers. To view or adjust your default option between 5% back (if available), special financing or equal monthly payments visit www.amazon.com/storecard, sign in to ‘Your Account’ (if not already signed in), and select the radio button for your desired option. Your default option will also be applied to your 1-Click orders and purchases made at physical Amazon locations. If your default option is special financing or equal monthly payments and neither is available for a specific purchase, then (if available) the 5% back benefit will apply. The 5% back benefit cannot be combined with any special financing or equal monthly payments offer. You will have the option to apply the 5% back benefit (if available) or the longest available equal monthly payments or special financing offer(s) displayed during checkout to your purchase. Beginning on June 26, 2019, you will have the option of selecting 5% back (if available), equal monthly payments or special financing as your default benefit. If your default benefit is equal monthly payments or special financing, and multiple equal monthly payments or special financing offers are available for a specific purchase, the equal monthly payments or special financing offer, as applicable, with the longest promotion length will apply. If you special financing was your default benefit prior to June 26, 2019, then from and after that date, equal monthly payments will automatically become your default benefit; to instead select 5% back or special financing as your default benefit, visit www.amazon.com/storecard, sign in to ‘Your Account’ (if not already signed in), and select the radio button for your desired option. If no change is made during the checkout process, and your default benefit is available for your purchase, your default benefit will be applied to your purchase.

6. 5% Back Benefit: Get 5% back. All purchases (less returns and other credits) to which the 5% back benefit applies will result in your receiving rewards points equal to 5% of such purchases on your Amazon Store Card, except as provided below. We may, from time to time at our discretion, supplement the 5% back benefit by offering bonus rewards points for certain purchases. In such cases, the total rewards points offered for such purchases will be noted on the relevant product page or during checkout, and this section will apply to the 5% back benefit inclusive of any bonus rewards points. You may see rewards points referred to simply as rewards and reflected as a dollar balance (versus a points balance), with $1 of rewards being equivalent to 1 rewards point. You may redeem your rewards points for eligible purchases at Amazon.com. Alternatively, you may also elect to either (a) redeem your rewards points as a one-time statement credit or (b) automatically redeem your available rewards points balance as a statement credit at the end of each subsequent billing cycle, in each case by visiting your Synchrony Bank online account management page (www.syncbank.com/amazon) or by directly contacting Synchrony Bank. Your account must be open and in good standing to redeem rewards points and at the time any statement credit is posted to your account. If your account is closed, you will forfeit any unredeemed rewards points. Please allow up to two billing cycles (a) for your earned rewards points to be credited to your account and (b) if you elect to redeem your rewards points as a statement credit, for such statement credit to be applied to your account. If you return a purchase made with rewards points, allow up to 5 days for the value of the rewards points redeemed to be credited back to your account. The 5% back benefit cannot be combined with any special financing or equal monthly payments offer; you will have the option to apply any available special financing or equal monthly payments offer or the 5% back benefit to your purchase. If no selection is made during the checkout process, your default option will be applied to your purchase, provided such default option is available. The 5% back benefit is the default option for all purchases of less than $150. We reserve the right to remove any person from the 5% back benefit in the event of any fraud or abuse in connection with the benefit. We reserve the right to discontinue or alter the terms of the 5% back benefit at any time.

7. SPECIAL FINANCING AND EQUAL MONTHLY PAYMENTS: Offers are subject to credit approval. For new Amazon.com Store Card or Amazon Prime Store Card accounts, standard variable purchase APR is 27.49%. Minimum interest charge is $1.50 for all types of accounts. The APRs are accurate as of 11/1/2019 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Existing cardholders should see their credit card agreement for their applicable terms. We reserve the right to make special financing and/or equal monthly payments unavailable on any purchase at any time in our sole discretion; in such cases, and if special financing and/or equal monthly payments would otherwise have been available, we will notify you of such unavailability prior to or during checkout. We reserve the right to discontinue or alter the special financing and equal monthly payments terms at any time.

Special Financing Offers: No interest if paid in full within 6, 12 or 24 months. Interest will be charged to your Amazon Store Card account from the purchase date if the promotional balance is not paid in full within 6, 12 or 24 months respectively. Minimum monthly payments required. If products are eligible for a special financing offer, such eligibility, together with the applicable promotion length, will be noted during checkout. The special financing offer will apply to the qualifying product, and all other items in the same order, when payment is made using an Amazon Store Card account. No interest will be assessed on the promotional balance if you pay the promotional balance in full within the applicable promotional period. If you do not, interest will be assessed on the promotional balance from the date of the purchase. Promotional balance includes the purchase amount, taxes, shipping charges and any optional debt cancellation charges related to the relevant purchase. The subtotal, which excludes shipping, handling and taxes, is used in determining whether the applicable minimum purchase amounts shown above have been met, unless using Pay With Amazon, in which case the total order, which includes shipping, handling and taxes less any discounts, is used. If Amazon-sold products are eligible for 24 months special financing, such designation will be noted during checkout. If you have chosen special financing as your default payment option and special financing is available on your purchase, 1-Click orders and purchases made at physical Amazon locations will default to the special financing offer with the longest promotion length. Special financing offers cannot be combined with any equal monthly payments offer or the 5% back benefit. Your first Subscribe and Save order is eligible for a special financing offer; subsequent Subscribe and Save orders are not. Depending on purchase amount, promotion length, and payment allocation, the required minimum monthly payments may or may not pay off the purchase by end of promotional period. Regular account terms apply to non-promotional purchases and, after this special financing promotion ends, to promotional purchases.

Equal monthly payment offer: Pay for your purchase of eligible products with equal monthly payments and 0% APR. No interest will be charged on the promotional purchase balance (which includes the purchase amount, taxes, shipping charges and any optional debt cancellation charges related to the relevant purchase) and equal monthly payments are required in the amount of the total initial promotional purchase (including the purchase amount, taxes and shipping charges) divided by the designated number of equal monthly payments, until the promotional balance is paid in full. If you do not make a required equal monthly payment on time, a late fee may be added to the minimum amount otherwise due on your account in the following billing cycle; such late fees will accrue interest at standard variable purchase APR listed above. If products are eligible for an equal monthly payments offer, such eligibility, together with the designated number of equal monthly payments, will be noted during checkout. The equal monthly payments offer will apply to the qualifying product, and all other items in the same order, when payment is made using an Amazon Store Card account. Optional debt cancellation charges will not be included in the calculation of the equal monthly payment, but such charges may require you to make payments for additional months. The equal monthly payment may be higher or lower than the minimum payment that would be required if the purchase was a non-promotional purchase. The equal monthly payment calculated will not be increased to but may be included in the minimum amount otherwise due on your account or will be added to your minimum payment for other balances on your account. If you have chosen equal monthly payments as your default payment option and equal monthly payments is available on your purchase, 1-Click orders and purchases made at physical Amazon locations will default to the equal monthly payments offer with the longest promotion length. Equal monthly payments offers cannot be combined with any special financing offer or the 5% back benefit. A monthly payment, if shown in advertising, should allow you to pay off the qualifying purchase (excluding taxes, shipping charges, or optional debt cancellation charges) within the promotional period if: (1) the purchase is and will be the only balance on the account during the promotional period (this means that you do not incur any additional fees or charges on your account and no other items are purchased with this order), (2) you make the payment by the due date each month, and (3) the purchase is subject to the equal monthly payments offer. Taxes and shipping charges on this order will require you to make a higher monthly payment than shown. The monthly payment calculated for each equal monthly payments offer will be added to your minimum payment for other balances on your account, and will only apply if the equal monthly payments offer advertised is selected or set as the default benefit on your account. Amazon may designate any product as eligible for an equal monthly payments offer, and may designate the number of equal monthly payments associated with such equal monthly payments offer, in its sole discretion.

8. No Annual Fee. There is no annual fee associated with an Amazon Store Card account. See the APR for new accounts at the beginning of the special financing and equal monthly payments section above.

9. Zero Fraud Liability. You will not be held liable in the event of unauthorized use. You agree that unauthorized use does not include use by a person to whom you have given authority to use your Amazon.com Store Card or Amazon Prime Store Card account and that you will be liable for all use by such a person.


Additional Information / Frequently Asked Questions for Current Cardholders:

Making a Payment: To make a payment, please visit syncbank.com/amazon and enter your credentials. You may also make a payment over the phone by calling Synchrony Bank at 1-866-634-8379, 24 hours a day, 7 days a week. Step by step instructions on setting up recurring payments can be found here.

Replacement cards / Don't know account number: If you have lost your card, or need your card information, please call Synchrony Bank at 1-866-634-8379.

Credit line increase: If you are interested in a credit line increase on your card, please call Synchrony Bank at 1-866-634-8379, or go to Synchrony Bank's e-servicing site at syncbank.com/amazon and under Account Services at the top of the screen, select "Credit Line Increase", to see if you are eligible.

For additional assistance: Please visit our help page at amazon.com/storecardhelp, call Synchrony Bank at 1-866-634-8379, or visit Synchrony Bank's e-servicing site at syncbank.com/amazon.


168,402 customer reviews

July 13, 2018
5,044 people found this helpful
Comment Report abuse
July 12, 2017
3,579 people found this helpful
Comment Report abuse
March 12, 2017
4,480 people found this helpful
Comment Report abuse
November 6, 2017
6,409 people found this helpful
Comment Report abuse
Pages with related products. See and discover other items: visa card, pay credit card bill