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From the Experts at

Should You Get an Amazon Credit Card?

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[DISCLOSURE: Cards from our partners are mentioned below.]

Cash back credit cards can be a boon to consumers who like earning rewards for regular spending. Whether they’re at the mall, dining out or filling their gas tank, they can rack up rewards in a snap. Amazon, the online “everything store” founded by Jeff Bezos, offers a variety of cash back rewards cards just for spending as you normally would. In this review, we’ll focus on the Amazon credit card issued by Synchrony Bank.

What Are the Amazon Store Cards?

Amazon technically offers two different types of plastic to loyal customers: the Amazon Store Card and the Amazon Rewards Visa credit card. The first card is issued by Synchrony Bank and can only be used on Amazon. The Amazon Store Card offers between 6 months to 24 months of 0% introductory financing (offers vary based on how much you spend/what you buy). Amazon Prime cardholders, however, may be able to upgrade to a version that lets them earn 5% cash back on all Amazon purchases. (A standard Amazon Prime membership costs $99 a year or $10.99 a month.) The Rewards Visa Card, which we’ve reviewed separately, is a co-branded rewards credit card that can be swiped wherever Visa is accepted.

Keep in mind, if you don’t pay off your purchases in full by the time your intro period expires, you’ll face back-dated interest. The card carries a variable 27.99% annual percentage rate (APR) and no annual fee. Here’s a closer look at the Amazon Store Card offered by Synchrony Bank. (Note: Be sure to read the card statement for its full terms.)

Amazon Store Card

Rewards Details: Cardmembers receive 5% cash back as a statement credit (applied in two billing cycles). They will also receive a $10 Amazon Gift Card upon approval, though the offer may vary.

Annual Fee: None

APR: Variable 27.99%

The Pros and Cons of the Store Card

In terms of perks, the Amazon card is sure to reward loyal shoppers. It carries no annual fee, making it ideal for earning rewards, and offers 5% cash back, which is hard to come by these days. That said, aside from the perks of shopping on Amazon, other credit cards offer comparable cash back incentives. And given the Amazon card’s steep penalty fee for late payments (up to $35), it may not be the best piece of plastic for those who have trouble paying their statements on time. Keep in mind, too, that slacking on payments can be bad for your credit score, as can racking up debt just to earn more rewards. (You can view two of your credit scores for free on Considering this store card’s high APR, you won’t want to do either.

Our Pick for an Alternative to the Amazon Store Card

If you’re not totally sold on the Amazon Store Card, we’ve picked a potential alternative. See card agreement for full details.

Chase Freedom Unlimited

Chase Freedom Unlimited®

Apply Now
on Chase's secure website
Card Details
Intro Apr:
0% for 15 months on purchases

Ongoing Apr:
17.24% - 25.99% Variable

Balance Transfer:
Intro: 0% for 15 months

Annual Fee:

Credit Needed:
Snapshot of Card Features
  • New Offer! Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit JourneySM
  • No annual fee

Card Details +

Why We Picked It: Cardmembers earn 3% cash back on all purchases in the first year up to $20,000.  After that earn unlimited 1.5% cash back on all purchases.

Rewards Details: Every dollar equals 100 points.

Annual Fee: $0

APR: 0% for 15 months on purchases, 17.24% - 25.99% Variable thereafter.

At publishing time, the Chase Freedom Unlimited card is offered through product pages, and is compensated if our users apply and ultimately sign up for these cards. However, this relationship does not result in any preferential editorial treatment.

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

This article last updated October 2nd, 2017. 

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Certain credit cards and other financial products mentioned in this and other articles on News & Advice may also be offered through product pages, and will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.