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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Reviews
Amazon Store Card review: Bonus rewards for Prime members, but lacking everywhere else
Chris Nelson is a credit cards writer for TPG. He specializes in budget travel, hotels, earning elite status through minimal spending and redeeming points for maximum value.
March 14, 2025 • 8 min read
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The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.
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Quick summary
The Amazon Store Card is designed for Amazon shoppers, with rewards only available to those holding a Prime membership.
This card can only be used at Amazon, Amazon-affiliated brands or merchants that accept Amazon Pay, limiting its flexibility.
Without a Prime membership, the card earns no rewards, and redemption options are restricted to Amazon purchases.
Other general-purpose cards may offer broader earning and redemption opportunities, making this card less appealing for most consumers.
What to consider
A Prime membership is required to access any rewards with this card.
The card is closed-loop, usable only at Amazon or select merchants accepting Amazon Pay.
Promotional financing is available, but purchases financed this way do not earn rewards.
What you'll miss from the article
A detailed comparison of alternative cards that may offer better value for Amazon and non-Amazon purchases.
Generated by AI with support from our editorial team.
Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
The Amazon Store Card offers a solid return on Amazon purchases; however, you must have an Amazon Prime membership to earn any rewards. This card can only be used at Amazon or stores that accept Amazon Pay. Additionally, this card earns no rewards outside of Amazon and only has one redemption option, making it a poor choice for most shoppers. Card rating*: ⭐½
*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
If you shop at Amazon frequently, you might be tempted to get an Amazon store card. However, if you are going to get an Amazon credit card, make sure you get the one best suited for your needs, as Amazon offers four credit cards.
We rarely recommend getting store credit cards, and the Amazon Store Card is no exception.
Two different Amazon store cards are available: the Amazon Store Card and the Amazon Prime Store Card. The one you get will depend on whether you have Amazon Prime. Those who don't will be issued the Amazon Store Card, while those with a Prime membership will receive the Amazon Prime Store Card.
Both Amazon Store cards are issued by Synchrony Bank and should not be confused with the Amazon Visa and Prime Visa (see rates and fees) issued by Chase.
The Amazon Store Card and Amazon Prime Store Card have no annual fees; we recommend applicants have a credit score of at least 580 to increase their chances of approval with these cards.
Let's look at the Amazon Store Card and Amazon Prime Store Card to see if either deserves a spot in your wallet.
The information for the Prime Visa, Amazon Store Card, Amazon Prime Store Card and Amazon Visa has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Amazon Store Card pros and cons
Pros
Cons
No annual fee
Cash back on Amazon.com purchases if you hold a Prime membership
High approval odds
No rewards without an Amazon Prime account
Card can only be used at Amazon, Amazon-affiliated brands or places that accept Amazon Pay
Lackluster benefits
Amazon Store Card welcome offer
Both versions of this card are nearly identical and feature the same welcome offer. The Amazon Store Card offers an instant $80 gift card upon approval.
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While this is better than nothing, it's far below the value you'll get from the welcome offers on many other cards.
We usually don't expect many benefits from store-specific credit cards, and both the Amazon Store Card and Amazon Prime Store Card are — again — no exception.
As a cardholder, you will receive zero fraud liability protections but you will get access to promotional financing offers.
These include a 0% annual percentage rate (APR) and special financing over a period of six, 12 or 24 months. This can be useful if you need to spend a large amount at Amazon. Note, however, that you won't earn any rewards on the purchases you finance.
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After the promotional financing period is over, you'll receive a standard variable APR of 29.74%. This APR is subject to change at any time.
Still, many cards offer an introductory 0% APR, and it's disappointing that the Amazon Store Card and Amazon Prime Store Card's list of benefits ends here.
Earning and redeeming rewards with the Amazon Store Card
It's important to note that both versions of the Amazon Store Card are closed-loop. This means they can only be used at Amazon, Amazon-affiliated brands or merchants that accept Amazon Pay. You can use your card at Whole Foods via the Amazon app, but the physical card will not be accepted.
Both Amazon Store Cards are unlike the Prime Visa card, which can be used anywhere Visa is accepted and has substantially better earning rates.
To earn rewards, you need a Prime membership and the Amazon Prime Store Card. With this card, you'll earn 5% back on all Amazon purchases. This is a substantial return on Amazon purchases — the only other card that offers this return is the Prime Visa.
However, keep in mind that an Amazon Prime membership costs $14.99 a month or $139 a year. To recoup the Prime membership cost, you would need to spend at least $2,780 on Amazon purchases with your card in a given account year.
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If you don't have a Prime membership and have the more basic Amazon Store Card, you won't earn any rewards on any purchases. This lack of reward-earning potential on the basic Amazon Store Card means there's almost no reason to hold this card if you don't have a Prime membership.
Even if you do have a Prime membership, you won't earn rewards on any purchases outside of Amazon. You can technically use this card at any merchant that accepts Amazon Pay, but you're better off using a straightforward cash-back card for non-Amazon purchases.
When it's time to redeem, cardholders with a Prime membership can use their rewards toward eligible Amazon purchases at checkout.
While the Amazon Prime Store Card can offer decent Amazon earnings for Prime members, the Prime Visa offers the same Amazon earning potential and earns rewards on all other purchases, making it the superior choice for Prime members.
If you don't have a Prime membership or want a card you can use everywhere, you'll want to go with one of these options.
If you want more rewards at Amazon and beyond: The Prime Visa has no annual fee but requires a Prime membership. It earns 5% back at Amazon, Whole Foods and Chase Travel℠; 2% back at gas stations, restaurants and local commuting (including ride-hailing services); and 1% on all other purchases. To learn more, check out our full review of the Prime Visa card.
If you want to earn more on other online purchases: The has no annual fee (see rates and fees) and earns 3% cash back on U.S. online retail purchases (on up to $6,000 annually in purchases, then 1% cash back; cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com). To learn more, check out our full review of the Amex Blue Cash Everyday.
If you want to earn 2% back on everything: The (see rates and fees) has no annual fee and earns 2% cash back on all eligible purchases (1% as you buy and 1% as you pay). To learn more, check out our full review of the Citi Double Cash.
If you don't have an Amazon Prime membership, we don't recommend getting the basic Amazon Store Card. You won't earn any rewards with it, and there are numerous no-annual-fee cards that will earn you bonus rewards on Amazon purchases.
If you have less-than-stellar credit, frequently shop at Amazon and have a Prime membership, you might consider this card. However, those with a Prime membership are better off with the Prime Visa, and those who don't are better off with a cash-back or secured credit card.
