Yes, you can get the Amazon.com Secured Credit Card with no credit. This card is designed as a credit building tool with a $0 annual fee that also accepts applicants with bad credit and reports payment history to major credit bureaus. It requires a refundable security deposit of $100, at a minimum, which will determine your credit limit.
If, on the other hand, you had your sights on the Amazon.com Credit Card or Amazon.com Store Card, you won’t be able to get these with no credit. The Amazon.com Credit Card requires a credit score of 700, at a minimum. That means you need good credit or better for approval. And the Amazon.com Store Card requires a credit score of 640, at a minimum. So you’ll need fair credit or better for approval. While the credit score is important, the decision to approve will also be weighed alongside other factors such as such as income, debt level, and your overall ability to make credit card payments.
No credit means you have no documented history of borrowing money and paying it back. Payment history is another key factor lenders will look at when deciding to extend you credit. Without it, you’ll have a difficult time being approved for any card with a minimum fair credit requirement or better.
Amazon.com Secured Credit Card along with Amazon.com Store Card do not belong to any credit card network, so you will only be able to use them for Amazon purchases. The Amazon.com Credit Card, on the other hand, is a co-branded card that can be used anywhere Visa is accepted.
How to get the Amazon.com Credit Card or the Amazon.com Store Card with no credit
If the Amazon.com Secured Credit Card is not what you were hoping for, you will have to start building your credit to have access to the Amazon.com Store Card or the Amazon.com Credit Card. You can open a credit card for people with no credit and make sure to keep your account in good standing by paying your bills on time and preferably in full. Secured credit cards will be the closest thing you can get to guaranteed approval. Also, you’ll want to to keep your credit utilization below 30%. You can also become an authorized user on someone else’s credit card account. But be aware that any irresponsible use of the account will reflect on your credit report.
You can also check out WalletHub’s guide on how to build credit. After several months of responsible use of credit, review your credit score and if you have fair credit or better, consider applying for the Amazon.com Store Card. Further down the road, when you reach good credit or better, you’ll also have a shot at Amazon.com Credit Card.
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