Amazon Credit Cards Review

ADVERTISING DISCLOSURE

ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

Credit Card Applications » Research » Reviews » Chase » Amazon Credit Cards Review

Amazon Credit Cards Review


Updated: March 30, 2020

The content is accurate at the time of publication and is subject to change.
Amazon Credit Card
Amazon Rewards Visa Signature Card Amazon.com Store Card
EARN ADDITIONAL REWARDS ON PURCHASES

When Amazon.com was launched 20 years ago, few could have envisioned how far the company would come. What was once an online specialty bookstore is now an Internet juggernaut that sells nearly anything and has made major inroads into fields such as cloud computing and entertainment streaming. It also offers its Amazon.com Rewards Visa card from Chase to allow customers to earn additional rewards from all of their purchases.

How Amazon Rewards Visa Signature Card from Chase works

New cardholders receive $50 off of their Amazon purchases immediately upon approval of their application, which is loaded onto their Amazon.com account. This card offers 3% cash back on all purchases made from Amazon.com, 2% cash back from purchases at restaurants, gas stations and drugstores, and 1% cash back on all other purchases. Rewards can be redeemed for purchases at Amazon, cash back, gift cards, and even travel.

3%
CASH BACK
at Amazon.com
2%
CASH BACK
at restaurants, gas
stations and drugstores
1%
CASH BACK
on all other purchases

Applicants receive a standard interest rate for purchases and balance transfers of 16.24% - 24.24%2, based on their creditworthiness when they applied, which is a variable rate that can change with the Prime Rate. The rate for cash advances is 26.99%2 APR, with a 5% ($10 min)2 cash advance fee. While there is no annual fee for this card, there is a None2 foreign transaction fee added to all charges processed outside of the United States. Finally, the late payment fee is up to $15 if the balance is less than $100, up to $27 if the balance is between $100 and $250, and up to $37 if the balance is $250 or more.

Amazon store charge cards

Amazon also offers its Store cards and Amazon Prime Store Card from Synchrony Bank, which are store charge cards that can only be used for Amazon.com purchases. The standard Amazon store credit card offers six months of 0% APR promotional special financing on any purchase of $150 or more, and 12 months of financing on any purchase of $600 or more. In addition, select Amazon.com items are eligible for 24 months of promotional financing. In these cases, standard interest charges apply, but are waived when the entire purchase is paid in full during the promotional financing period. The standard interest rates for these cards are 27.49%9, which is a variable APR that is subject to change with the Prime Rate.

Amazon Prime members can receive the Prime Store Card which offers 5% cash back for Amazon.com orders that are not purchased using a promotional financing offer. There is no annual fee for these cards.

Amazon.com Store Card
Amazon.com Store Card
6
6 Months Special Financing on any purchase of $150 or more
12
12 Months Special Financing on any purchase of $600 or more
24
24 Months Special Financing on select purchases of $800 or more
5%BACK

Amazon Prime Store Card offers 5% cash back for Amazon.com orders to Amazon Prime members

How these cards compare to each other

The Amazon Rewards Visa card from Chase's biggest advantage is that it can be used anywhere that a Visa card is accepted. In addition, it offers a lower interest rate, as customers with higher credit scores can receive a standard interest rate as low as 16.49% APR and even the least qualified applicants will still receive a rate of 23.99% APR, which is still lower than the Amazon Store card's rate of 27.49%9.

Another advantage of the Amazon.com Rewards Visa card from Chase is that it earns a competitive 2% cash back at restaurants, gas stations, and drug stores, and a nominal 1% cash back on all other purchases. Finally, the $50 instant savings is somewhat valuable as a sign up bonus.

On the other hand, the Amazon.com Rewards Visa card from Chase doesn't offer any promotional financing while the Amazon store charge card includes several valuable interest free promotional financing offers. Furthermore, Amazon Prime members will receive 5% off of their purchases with the Amazon Store credit card (when not utilizing a promotional financing offer), while holders of the Amazon.com Rewards Visa card from Chase will only receive 3% off of their purchases.

Amazon.com Rewards Visa Card vs Amazon.com Store card
Amazon Rewards Visa Signature Card
Anywhere where Visa is accepted
16.24% - 24.24%2
  • Earn 3% Back at Amazon.com.2
  • Earn 2% Back at restaurants, gas stations and drugstores.2Earn 1% Back on all other purchases.2A $50 Amazon.com Gift Card will instantly be loaded into your Amazon.com account upon the approval of your credit card application.2
$50
VS
Amazon.com Store Card
Only at Amazon.com
27.49%9
No rewards program9
$10
Where can be used
Regular APR
Rewards
Sign up bonus

Comparing the Amazon.com Rewards Visa card from Chase to other credit cards

These two Amazon.com credit cards not only compete against each other, but also against credit cards from other card issuers. For example, the Citi® Double Cash Card – 18 month BT offer credit card (Citi is a Credit-Land.com advertising partner) offers 1% cash back on all purchases as you buy them, and gives you another 1% back as you pay for those purchases. So you basically earn cash back twice, which is as good or better than the cash back offer from the Amazon.com Rewards Visa card on all purchases other than those from Amazon.com. The card does not offer 0% on purchases, but you can transfer some balance to it as it comes with 0% APR for 18 months on Balance Transfers (with a balance transfer fee of 3% of each balance transfer; $5 minimum). Remember that the ongoing APR will apply after that. But please note that balance transfers do not earn cash back and you will need to pay the fee for each balance you transfer.

Another good competitor is the Citi Rewards+ Card, which has lower interest rates and offers better rewards, 2 ThankYou® points at supermarkets and gas stations (for the first $6,000 per year and then 1X points thereafter) and 1X points on all other purchases. The Citi Rewards+ Card also comes with introductory 15 months of interest free financing on purchases and balance transfers (after that a go-to APR of 13.49% - 23.49% (Variable) will apply), with a balance transfer fee of 3% of each balance transfer; $5 minimum. But the point of the Citi Rewards+ Card for Amazon.com users is the way earned points can be redeemed. The card allows using points instantly at Amazon.com checkout, provided the Citi Rewards+ Card is linked to the Amazon.com account.

Citi® Double Cash Card – 18 month BT offer
Credit-Land.com’s experts may evaluate each card presented on Credit-Land.com to assist you with choosing the right offer. Some of the criteria reviewed include, but not limited to, the following: interest rates, fees, benefits, rewards programs, and customer service. The rating provided next to each offer reflects the experts’ honest opinions, beliefs, and experiences with each product presented on Credit-Land.com. Furthermore, this rating is NOT influenced by any compensation received by any partners listed on Credit-Land.com.
Apply Online
Citi Rewards+ Card
Credit-Land.com’s experts may evaluate each card presented on Credit-Land.com to assist you with choosing the right offer. Some of the criteria reviewed include, but not limited to, the following: interest rates, fees, benefits, rewards programs, and customer service. The rating provided next to each offer reflects the experts’ honest opinions, beliefs, and experiences with each product presented on Credit-Land.com. Furthermore, this rating is NOT influenced by any compensation received by any partners listed on Credit-Land.com.
Apply Online

Choosing the card that is right for you

For some people, Amazon.com has become more than just an online store, it can be a way of life. For those who live in urban areas, Amazon.com is a way of receiving goods without having to worry about traffic, parking, or carrying home purchases by foot or with public transit. Amazon.com customers who live in rural areas also have access to far greater selection than they could find locally, while even suburban customers find ways to save both time and money at Amazon.com.

Amazon Rewards Visa Signature Card Amazon.com Store Card

For those who have gone "all-in" on the Amazon.com lifestyle, an Amazon Prime membership is a must. These customers who are looking for the maximum discount on their Amazon.com should certainly look to the Amazon Prime Store credit card, with its unbeatable 5% cash back offer.

Yet for those looking for a general rewards card that features competitive rewards and interest rates, the Amazon.com Rewards Visa card from Chase is a strong offering. While it doesn't feature extreme rewards on cash back, or promotional financing offers, it's a solid all around product in a crowded field.

Sorry, we do not currently offer online application for this card!
Choose from featured alternatives to shop at Amazon.com:
Discover it® Cash Back
Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate.
Discover it® Miles
UNLIMITED BONUS: Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel! The more you earn, the more you get.

The content is designed by Credit-Land.com for informational purposes only and it is not provided or sponsored by any of our partners. The results provided by this content are hypothetical. Credit-Land.com is not responsible for the consequences of any decisions or actions taken in reliance upon or as a result of the information provided.
Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
Add to Favorites:
Recommended Cards for Everyday Purchases
For Excellent, Good Credit
Citi Rewards+<sup>℠</sup> Card
For Excellent, Good Credit
The Citi Rewards+SM Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Apply
The Citi Rewards+SM Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
For Excellent / Good Credit
Amalgamated Bank of Chicago Platinum Rewards Mastercard® Credit Card
For Excellent / Good Credit
0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 14.40% - 24.40%, based on your creditworthiness
Apply
0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 14.40% - 24.40%, based on your creditworthiness
For Excellent, Good Credit
Citi<sup>®</sup> Double Cash Card – 18 month BT offer
For Excellent, Good Credit
Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Apply
Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Get the latest news, articles and expert advice delivered to your inbox. It's FREE

Best Credit Cards Video For You

Save on Interest Charges with Low APR Credit Cards

June 18, 2015

Related Research:

How Do Balance Transfers Work?

How Do Balance Transfers Work?

Posted: November 27, 2018

Paying too much in credit card interest is not fun and you will definitely want to look for a way that will help you avoid paying credit card interest while paying off your debt. A balance transfer is that money-saving option to help you…. Continue reading

How To Choose The Best Credit Card For Everyday Spending in 2020

How To Choose The Best Credit Card For Everyday Spending in 2020

Posted: January 19, 2018

When you reach for your wallet to pay for groceries, gas, dinner out or any other everyday purchase, are you searching for cash, a debit card or a credit card? Many people hesitate to charge this type of everyday spending to a credit card;… Continue reading

Interest Free Credit Cards: Pay No Interest for up to 21 months

Interest Free Credit Cards: Pay No Interest for up to 21 months

Posted: January 13, 2018

Carrying a balance on a credit card wastes your money on interest fees. It is easy to avoid interest payments on purchase transactions by paying off the entire card balance by the due date each month. But what to do if you are already… Continue reading

  • Donna W. Ellis

    I got Amazon/Chase card because I shop on amazon so much and wanted a card that would reward me for doing so. I absolutely love this card!

  • Virginia Shisler

    high interest card and using it is not good idea. thought I was saving money but got a bill that cost me twice my savings. i don’t recommend this card.

    • Ina Schmitz

      Agree, the interest is high and credit limit is low. Rewards are good but if you late 1 day – late fees will be charged right away and won’t be waived.

  • Margaret

    Any card with decent cash back for ALL purchases would be better than the amazon one! High fees and rewards are not so great cause high cash back is only for Amazon purchases.

You've successfully subscribed!

Please specify the following:All these fields are optional

Your Credit History
Themes you are interested in:

By providing this information you help us make our news letters more useful and informative. Thank you!