Amazon Store Card
By Alex Compton · Last verified
5% back for Prime members, but it is store-only: this card works at Amazon and nowhere else.
Welcome Bonus
None
Amazon gift card added instantly upon approval; the amount is shown only after signing in and is not published
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
640+
(Fair-Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | 0 | No recorded spend | Offer ended: 1,000 → 0Amazon gift card added instantly upon approval; the amount is shown only after signing in and is not published | Amazon Store Card page → |
| 2026-06 | 1,000 | No recorded spend | Bonus decreased: 6,000 → 1,000$10 instant gift card, periodically higher | Archive record · no attached snapshot |
| 2024-01 | 6,000 | No recorded spend | Earliest record$60 gift card promo periods | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Gift card on approval amount no longer public; Equal Monthly Payments tiers now 6/12/24 payments at $50/$300/select; APR 29.49%
Fields: currentOffer, benefits
Amazon Store Card page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 5xAmazon.com and Whole Foods MarketRequires an eligible Prime membership
- 0xEverywhere elseStore-only card; it cannot be used outside Amazon
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦5% back at Amazon and Whole Foods with Prime, matching the Prime Visa rate
- ✦0% Equal Monthly Payments plans: 6 payments on $50 to $299.99, 12 payments on $300 or more, 24 payments on select purchases
- ✦Easier approval than the Chase-issued Amazon Prime Visa
Why it earns its spot
- +Same 5% Amazon rate as the Prime Visa with a lower credit bar
- +Synchrony ended deferred-interest special financing on new purchases in February 2026; Equal Monthly Payments remain available with no interest if paid on time
- +No annual fee beyond the Prime membership you already pay for
Where it costs you
- −Store-only: useless at every merchant that is not Amazon
- −5% requires an active Prime membership, otherwise the card earns almost nothing
- −29.49% variable APR (as of 8/28/2026) if you carry a balance outside a payment plan
The Compound Verdict
A private label card in the purest sense, it only works at Amazon. With Prime it matches the Prime Visa's 5%, which makes it a fair pick for thin credit files Chase would decline. Anyone who qualifies for the Prime Visa should take that instead and get a card that works at more than one company.
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