How does the Amazon store card work?

The Amazon Prime Store Card is an upgraded version of the Amazon.com Store Card for cardholders with an Amazon Prime membership. The Amazon Prime Store Credit Card gives users 5% back in rewards on Amazon purchases and has a $0 annual fee. Cardholders who have the Amazon.com Store Card and get an Amazon Prime membership will automatically get upgraded to the Amazon Prime Store Card.... read full answer

Key Things to Know About the Amazon Prime Store Card

• There’s a $0 annual fee, but Prime members will still need to pay their annual Prime membership dues.
• If you cancel your Prime membership, your Amazon Prime Store Card will become a normal Amazon.com Store Card.
• You will need at least fair credit for approval.
• Purchases made under promotional financing are not eligible for cash back rewards.
• Reward points can be used on eligible Amazon purchases or redeemed as a statement credit.
• The card has a high regular APR of 29.99% (V) on purchases.
• The card offers 0% financing for 6, 12 or 24 months on purchases of at least $150, $600 or $800, respectively. However, there’s deferred interest. So if you don’t pay off the complete balance before the special financing period ends, you will be charged interest from the purchase date as if the 0% rate never existed.
• Just like with the Amazon.com Store Card, there are only a few places where you can use the Amazon Prime Store Card, including Amazon.com, Audible, and certain merchants who accept Amazon Pay.

The easiest way you can pay your Amazon.com Store Card is either by logging in to your online account or by calling (866) 634-8379. Alternatively, you can pay your Amazon.com Store Card by mail.

Here’s how to make an Amazon.com Store Card payment:

• Online:
  Log in to your online account to schedule a payment. You can make a payment any day during the billing period up to the due date.... read full answer
  
  From the Payments tab, scroll and click “Make a Payment.” Select the payment amount and include your bank’s routing number and account information. Verify your payment information and click “Make a Payment.”
  
  Alternately, you can skip login or registration and pay as a guest.
• Over the phone:
  Call customer service 24/7 at (866) 634-8379. When prompted, press “1” and enter your account number, or your Social Security number (SSN). Follow the voice prompts to make a payment or speak to a customer service representative.
  
  There’s no charge to pay by phone, if you use the automated system, unless you ask for an expedited payment.
• Via mail:
  Lastly, you can send a copy of your Amazon.com Store Card monthly statement and a check or money order made out to:
  
  Synchrony / Amazon
  P.O. Box 960013
  Orlando, FL 32896
  
  Make sure to include your account number on your payment. Synchrony Bank only accepts payments drawn from a U.S. bank account and does not allow cash payments.

Synchrony Bank offers a 23-day grace period from the close of the billing period until the payment due date. If you make your Amazon.com Store Card payment in full during this timeframe each month, you’ll avoid paying interest charges.

Here’s how to set Amazon.com Store Card automatic payments:

You also have the option to set up your account for recurring payments online. After logging in, enter your bank account information and select your desired payment amount. Choose from the minimum payment due, statement balance, current balance or other amount. Synchrony will debit your account for the designated amount on the scheduled payment date each month.

It’s important to note that these payment instructions are specific to the Amazon.com Store Card, which is issued by Synchrony Bank. The Amazon.com Credit Card is a separate credit card account issued by Chase Bank and its payment methods are different.

Yes, the Amazon.com Store Card is a credit card. Store cards work like any other type of credit card, with the sole exception that you can only use them at the retailer to which they're tied, in this case Amazon.

Here’s what the Amazon.com Store Card offers:

• Initial Bonus: $60 upon approval.
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• Ongoing rewards: 5% back in rewards for Amazon Prime cardholders.
• Financing offer: 0% for 6 - 24 months on pre-set minimum purchases as long as you pay your balance in full by the end of the promotional period.

As with any credit card, Amazon.com Store Card gets you a line of credit. And if you pay your balance in full by the due date and do not carry any balance from one month to another, no interest will be accrued.