The Amazon.com Store Card annual fee is $0. The combination of no annual fee and great cash back rewards on Amazon purchases makes the Amazon.com Store Card a good option for Amazon Prime members.
Note that the card won't provide rewards unless you pay for an Amazon Prime membership. Amazon Prime will cost you $139 per year ($69 if you’re a student). The Amazon.com Store Card gives 5% back on Amazon.com purchases for Prime members. Those who don’t have the Prime membership will only earn $100 Amazon gift card upon approval.
What you should know about the Amazon.com Store Card:
The Amazon.com Store Card can only be used to make purchases at Amazon and their affiliates. To get approved for this card, you need at least fair credit (a credit score of 640+).
Digital subscriptions (including magazines and newspapers)
Purchases from Amazon subsidiaries (excluding Audible)
Whole Foods Market purchases
Treasure Truck (text alert feature for exclusive, highly-discounted products)
Considering the wide range of things you can buy on Amazon, these exclusions shouldn’t necessarily keep you from applying for the Amazon.com Store Card. You’ll still get a big discount on Amazon purchases by using this card as a Prime member, after all. You can learn more about this offer from our in-depth Amazon.com Store Card review.
Alternative Credit Card Option
If you’re looking for a similar credit card that can be used anywhere, you should consider getting the Amazon.com Credit Card. This card is on the Visa network, so it can be used virtually anywhere credit cards are accepted. Plus, it offers a $60 Amazon.com gift card upon approval ($150 for Prime members), and you can also earn 1 - 5 points per $1 spent on purchases.
Keep in mind that you need at least good credit to get approved for the Amazon.com Credit Card. So, make sure you know where you stand before applying. You can check your credit score for free, right here on WalletHub.
The credit score that you need for the Amazon.com Store Card is 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.… read full answer
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.
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