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. The Amazon.com Store Card offers a $10 gift card upon approval, along with ongoing rewards of up to 5% for Amazon Prime cardholders. You also get promotional financing offers of 0% for 6 to 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.
The main difference between the Amazon Store Card and the Amazon Credit Card is that the former can only be used to make purchases at Amazon and where Amazon Pay is accepted, whereas the latter can be used pretty much anywhere in the world. This leads to a second difference, which is the approval requirements. It's easier to get approved for the Amazon Store Card, which requires just fair credit, while you'll need at least good credit to get the Amazon Credit Card.… read full answer
The Amazon Credit Card also offers better rewards and a better initial bonus if you have Amazon Prime ($100 gift card vs. $10 gift card). Plus, it rewards you for non-Amazon purchases as well, with 2 points for every eligible $1 spent at gas stations, restaurants and drugstores, and 1 point for every other $1 spent.
Yes, the Amazon Store Card will do a hard pull. 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. 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 … read full answerhere.
The Amazon.com Store Card credit score requirement is 640 or higher; this means that you need at least fair credit to get this card. The better your credit score is, the higher your approval odds will be. Keep in mind that they will also look at your credit history, your income, and any debts you might have when making a decision on your application.… read full answer
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