You cannot get an Amazon credit card with no credit. The Amazon.com card requires at least good credit or better to have a chance to be approved. That’s a credit score between 700 and 749, to start. While the credit score is important, the decision to approve will also be weighed alongside other factors such as such as income, employment status, and debt level.
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.
The Amazon credit card, also known as the Amazon Rewards Visa, is a co-branded card issued by Chase Bank. That means the card be used for purchases outside of the Amazon.com website, and anywhere Visa cards are accepted.
Here is how you can get an Amazon credit card with no credit:
- Open a secured credit card. Secured cards such as the Capital One Mastercard, Citi Mastercard and Discover Secured, are among the easiest to get and will help you establish credit. A security deposit, usually a minimum $200, is required to set your credit limit. The deposit is fully refundable when you close the account in good standing, and your payment history is reported to the three credit bureaus.
- Pay your bill on time. One of the quickest ways to build a good credit profile is a history of timely payments. Paying more than the minimum amount due, or even in full, reduces your debt-to-credit level, which is an additional boost to your credit score.
- Become an authorized user. You’ll have access to your own card and all the benefits that come with it. It’s important that the primary cardholder has at least a good credit profile for you to be able to successfully build your own credit. Any irresponsible use of credit by the cardholder will be reflected on your credit report, and vice versa.
- Stay on top of your credit. Review your credit score regularly. Keep an eye out for things such as inquiries or utilization that’s causing your score to fluctuate. Make sure there’s no suspicious entries or errors on your credit report. Immediately report any discrepancies to the respective credit bureau and work to get the issue resolved quickly.
After several weeks or months of responsible use of credit, consider applying for the Amazon Store Card. It’s easier to get than the Amazon credit card, as it only requires a minimum fair credit score (600-649). You’ll be limited to purchases on the Amazon.com website, but if you’re an Amazon Prime member ($99 membership fee), you’ll get 5% cash back on all of your Amazon.com purchases.