Maria Adams, Credit Cards Moderator
The Amazon.com Store Card requires a credit score of at least 640. That means people with fair credit or better have a shot at getting approved for this card. The better your credit score is, the higher your approval odds will be.
Other Amazon.com Store Card Approval Requirements
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Amazon.com Store Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status, and housing status.
If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the Amazon.com Store Card credit score requirement. If you’d like to know where you stand, you can check your credit score for free, right here on WalletHub.
Brian Gilbert, Member
The approval criteria may not follow the typical ideology of “a better credit = a better chance for approval” A friend and I applied; both have scores well over 800. We both have a mortgage with no other accumulated debt. We both use a single rewards card that is paid off each month, have very low debt-to-income ratios, have substantial income, are Amazon prime members and regularly buy on Amazon. The only ‘negative tick’ on either of our reports is the Amazon credit pull (no other inquiries on report, 100% payment histories, nothing derogatory). We were both denied.
There is likely a sweet spot for approval to ensure profit: ‘too low’ is a credit risk; ‘too high’ is a ‘no revolving balance’ risk.
I love your comment Brian. After I bought my first home, my only debt was my house. My score was 850. I went to Pier 1, to buy several rooms of furnishings. I applied for a card at checkout, I got denied...for some reason the mortgage shopping wasn't considered as 1 inquiry. So, they denied me for too many inquiries. I paid with my debit card, and had those inquiries removed. I also, posted my denial letter on my refrigerator. It was a bit hilarious.
That's impossible. Sorry.
What did your letter say in the mail your reasons for denial? They use Synchrony Bank, same as PayPal and they are pretty hard to please.
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