Amazon Credit Cards Review

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

Amazon Credit Cards Review


Updated: May 20, 2019

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 16.49% - 24.49% (V)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 27.24% (V)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 $149 or more, and 12 months of financing on any purchase of $599 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 28.24%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 $149 or more
12
12 Months Special Financing on any purchase of $599 or more
24
24 Months Special Financing on select Amazon-sold items
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 28.24%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
16.49% - 24.49% (V)2
  • Earn 3% Back at Amazon.com.2
  • Earn 2% Back at restaurants, gas stations and drugstores.2
  • Earn 1% Back on all other purchases.2
  • A $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
28.24%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 HSBC Cash Rewards Mastercard® credit card offers 1.5% cash rewards on all purchases, 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 HSBC Cash Rewards Mastercard® credit card also features 12 months of interest free financing on both new purchases and balance transfers, with a 4% balance transfer fee. And unlike the promotional offer from the Amazon store credit card, this offer doesn't require payment in full in order to waive interest charges. Interest only applies to any unpaid balance when the 0% APR promotional rate expires. The ongoing APR will be Variable APR of 15.24%, 19.24% or 25.24%.

Another good competitor is the Discover it® Cash Back credit card, which has lower interest rates and offers better cash back rewards, 5% in rotating categories (up to the quarterly maximum each time you activate) and 1% on all other purchases. The Discover it® Cash Back credit card also comes with introductory 14 months of interest free financing on purchases and balance transfers (after that a go-to APR of 14.24% - 25.24% Variable will apply), with a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*. But the point of the Discover it® Cash Back credit card for Amazon.com users is the way earned cash back can be redeemed. The card allows using cash back instantly at Amazon.com checkout, provided the Discover card is linked to the Amazon.com account.

HSBC Cash Rewards Mastercard® credit 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
Discover it® Cash Back
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 at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
Discover it® Miles
INTRO OFFER: 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 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
Discover it® Cash Back
For Excellent, Good Credit
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
Apply
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
*See Terms
For Good, Excellent Credit
HSBC Cash Rewards Mastercard® credit card
For Good, Excellent Credit
Earn unlimited 1.5% cash rewards on all purchases.
Apply
Earn unlimited 1.5% cash rewards on all purchases.
See Rates & Fees
For Excellent, Good Credit
Discover it® Miles
For Excellent, Good Credit
INTRO OFFER: 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!
Apply
INTRO OFFER: 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!
*See Terms
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  • 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.

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