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.
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.
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.
Yes, the Amazon Store Card will do a hard pull, also known as a hard inquiry, which may cause your credit score to temporarily go down a few points. You will need a credit score of at least 640 to get it, which is on par with what most store cards require. There is no way to pre-qualify for the Amazon Store Card.… read full answer
A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. You can learn more about how to minimize the credit score damage here.
No, you probably won’t be able to get the Amazon.com Store Card with no credit history. This card requires a 640+ credit score. This means that you need at least fair credit for approval.
When you have no credit history, that doesn’t necessarily mean you have a credit score of 0. It means that you’ve yet to establish a pattern of borrowing money and paying it back on time. Payment history is one of the key factors issuers consider before they extend credit to a borrower. If you don’t have at least … read full answerfair credit, your options of landing any unsecured line of credit with favorable terms and benefits will be limited.
The Amazon.com Store Card is as advertised. You can only use the card for Amazon.com purchases. If you don’t pay your credit card bill in full, you’ll be charged interest at a 28.99% (V) APR on any unpaid balance. To get the Amazon.com Store Card, you will need to come up with a plan to establish credit and build a solid credit profile.
Become an authorized user. You may also sign on as an authorized user on someone else’s credit card. This allows you to build your credit based on the primary cardholder’s credit history. Be careful, though, if you choose to become an authorized user. Should the primary cardholder’s credit profile take a nosedive, any negative activity will also show up on your credit report.
Once your credit history reaches a healthy level, you may even be eligible for the Amazon.com Credit Card. It’s a co-branded store card that can be used for purchases outside of Amazon.com. You’ll need at least good credit (700+) to qualify for this card.
Just try to resist the temptation and avoid applying for too many credit cards is a short amount of time, especially if you’re just starting out with credit. Multiple inquiries on your credit report will shave a few points off your credit score and stall your efforts to build good credit.
The Amazon.com Credit Card credit score requirement is 700 or better. That means people with at least good credit have a shot at getting approved for this card. The Amazon.com Store Card one the other hand requires a 640+ credit score (fair credit).
Other things you need for the Amazon.com Credit Card:
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 Credit 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
Since all these criteria are taken into consideration, you might be able to get approved with a slightly lower credit score. But it’s best to wait to apply until you meet the Amazon.com Credit Card credit score requirement. You can check your credit score for free on WalletHub.
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