Amazon Store Card
5% back for Prime members, but it is store-only: this card works at Amazon and nowhere else.
Welcome Bonus
1,000
≈$10 value
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
640+
(Fair-Good)
Current offer note: Amazon gift card instantly upon approval, typically $10 with periodic bumps to $60
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 5xAmazon.com and Whole Foods Market
- 0xEverywhere else
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 $599.99, 12 payments on $600 or more
- ✦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
- +Equal monthly payment plans replaced deferred interest on new purchases as of February 2026
- +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% APR 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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