Adam McCann, Financial Writer
@adam_mcan
Yes, applying for an Amazon card does hurt your credit score by a small amount. When you apply for either the Amazon Credit Card or the Amazon Store Card, you must authorize a hard pull of your credit, which will temporarily drop your credit score by 5 to 10 points. The same goes for the Amazon Secured Credit Card, the Amazon Business American Express Card and the Amazon Business Prime American Express Card. This is typical, as almost every credit card on the market will require a hard pull for approval.
The good news is that even though applying for an Amazon card will hurt your credit, the damage will be minor and won’t last long. Your score should bounce back after a few months of responsible credit use. You should strive to always pay on time, and in full if possible. It’s also best to use less than 30% of your credit limit.
Amazon Card Credit Score Requirements
It’s important to make sure you don’t waste a hard credit pull when you apply for an Amazon credit card. You should only apply when your approval odds are high. You will need at least good credit for the Amazon Credit Card, which you can use anywhere. But you only need good credit for the Amazon Store Card, which can only be used at Amazon and select merchants that take Amazon Pay.
If you have bad credit, you can apply for the Amazon Secured Credit Card. And if you’re a business owner with good, you can get either of the business credit cards.
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People also ask
Does the Amazon Credit Card do a soft pull?
No, the Amazon Credit Card won't do a soft pull. It will perform a hard pull when you apply for it which can damage your credit score temporarily.
You will need a credit score of at least 700 to get the Amazon Credit Card. Unfortunately, there is no way to pre-qualify for this card. So to better assess your chances of approval, check your score for free with our credit score tool.
read full answer by Gina Marte, WalletHub AdvisorWhat is the Amazon Credit Card credit score requirement?
The Amazon Credit Card credit score requirement is 700 or better. That means people with good credit or better have a shot at getting approved for the Amazon Credit Card.
Note that while your credit score is very important, plenty of other things will impact your chances of being approved for the Amazon Credit Card. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.
If you...
read full answer by Sebi Mitchell, Credit Cards ModeratorDid we answer your question?
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