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: November 16, 2018

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 15.99%–23.99% (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 26.74% (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 27.24%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 15.99% 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 27.24%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
15.99% - 23.99% (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
27.24%9
•Prime cardholders can earn up to 5% back. Offer available only for eligible Prime Members (membership starts at $12.99/month).9
$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 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 18 months of 0% APR on balance transfers (after that a go-to APR will apply). But please note that balance transfers do not earn cash back and you will need to pay a fee for each balance you transfer.

Another good competitor is the Discover it® credit card, which has lower interest rates and offers better cash back rewards, in rotating categories (up to the quarterly maximum each time you activate) and 1% on all other purchases. The Discover it® credit card also comes with 14 months of interest free financing on purchases and balance transfers (after that a go-to APR will apply), with a 3% balance transfer fee. But the point of the Discover it® 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.

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.com Store Card Amazon Rewards Visa Signature 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:

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.
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 30,000 Miles, you get 60,000 Miles. That's $600 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 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
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:

Autumn 2018: Best Rewards Credit Cards for Thanksgiving Shopping

Autumn 2018: Best Rewards Credit Cards for Thanksgiving Shopping

Posted: November 8, 2018

Thanksgiving is coming, and whether you are hosting a meal or coming as a guest, your spendings are going to accumulate faster than you can notice. A holiday feast is a costly matter – each year Americans spend around $50 on a Thanksgiving ... Continue reading
The Best Credit Card for Earning Cash: Discover it® Cash Back

The Best Credit Card for Earning Cash: Discover it® Cash Back

Posted: November 2, 2018

You’ll have hundreds of dollars in your pocket in no time because you’ll earn money back on every purchase you make with this card. There are no restrictions on the amount of cash back you can get, and Discover even matches every penny you ... Continue reading
Top 5 Cards for Travel from Our Partners: Autumn 2018 – Expert’s Choice

Top 5 Cards for Travel from Our Partners: Autumn 2018 – Expert’s Choice

Posted: October 10, 2018

Nights are drawing out, the wind is colder every day and you already feel the lightest breath of winter on your face - autumn is here. Holidays are over, kids are back to school and all you are left with are hefty holiday bills that you ... 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!