Amazon Secured Credit Card Reviews: Is It Worth It? (2026)Reviews, rates, fees, and rewards details for The Amazon Secured Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesLow regular APRQualify with bad creditRequires security deposit
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Amazon Secured Credit Card has a rating of 4.2/5 according to our proprietary credit card rating system. This rating reflects how appealing Amazon Secured Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Rebuild Damaged Credit (Store Cards)'. To break it down further, Amazon Secured Credit Card earned a score of 5.0/5 for Fees, 0.0/5 for Rewards, 5.0/5 for Cost, 5.0/5 for APR, and 3.2/5 for User Reviews. Info about the Amazon Secured Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.2/5
16 reviewsRead and write reviews
Market Comparison
Market Comparison
4.3
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Rebuild Damaged Credit (Store Cards)” for this card.
Fees
5.0
Rewards
0.0
Cost
5.0
APR
5.0
Other Features
3.0
4.3/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Bad Credit
Minimum Security Deposit
$100
Fees
One-Time Fees→$0
Annual Fee→$0
Monthly Fee→$0
APR on Purchases
10%
Rewards
With an eligible Prime membership you can earn 2% back in rewards at Amazon.com and Whole Foods Market purchases.
Amazon Secured Credit Card's Additional Info
You can submit a refundable security deposit from $100 to as much as $1,000, which will be your credit limit.
Report to 3 major credit bureaus every month which may help improve your credit.
Synchrony Bank will review your account in 12 months to determine if you’re eligible for an upgrade to an unsecured card. If and when you’re upgraded, your security deposit will be returned.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.2
Market Comparison
4.3
fees: 5.0
rewards: 0.0
cost: 5.0
APR: 5.0
Other Features: 3.0
4.7WalletHub Rating
WalletHub Rating
4.7
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.7
Market Comparison
4.8
fees: 5.0
rewards: 5.0
cost: 5.0
Other Features: 3.0
4.7WalletHub Rating
WalletHub Rating
4.7
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Can't find what you are looking for? Submit your question about Amazon Secured Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
The Amazon Credit Card and the Prime Visa are fairly hard to get because you need at least good credit (a 700+ credit score) to have good approval odds. The Amazon Store Credit Card and the Amazon Secured Credit Card are much easier to get. You can get the store card with fair credit (a 640+ score), and even people with bad credit can get the secured card.
Other Amazon Credit Card Approval Requirements
In order to get the Amazon Credit Card, you will have to meet the credit score requirement, have a steady income and be at least 18 years old. You'll also need to have a Social Security Number or an Individual Taxpayer Identification Number.
Keep in mind that even if you meet all of the requirements for the Amazon Credit Card, approval is not guaranteed.
It is possible to graduate to a better offer from the Amazon Secured Credit Card if you use the card responsibly for at least 12 months. More specifically, the issuer may graduate your card to the Amazon Store Card if your account history shows on-time payments and a low credit utilization. Your overall creditworthiness will also be taken into account.
When your secured card graduates to an unsecured card, your credit line no longer needs to be secured with...
The only way to apply for the Amazon Secured Credit Card is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to Synchrony Bank's website.
Keep in mind that the Amazon Secured Credit Card requires bad credit, which means you need a 300+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt your credit score. So, it's...
Yes, you can get approved for an Amazon credit card with bad credit, the Amazon Secured Credit Card. This card has a $0 annual fee, reports to the major credit bureaus each month, and does not have a minimum credit score requirement. Because the card is secured, you just have to put down a refundable deposit of at least $100 when opening an account.
The Amazon Secured Credit Card can only be used on the Amazon website and at Amazon's physical stores, and...
To cancel an Amazon Secured Credit Card, call customer service at 1 (866) 419-4096 and ask a customer service rep to cancel your card account. Unfortunately, you won't be able to cancel your Amazon Secured Credit Card online.
Be aware that if there's a balance remaining on the canceled account, you are still required to make at least the minimum payment every month until the balance is paid in full. You will also need to update the payment method for...
No, you cannot do a balance transfer with the Amazon Secured Credit Card. In general, balance transfers let you shift high-interest debt from your current account to another issuer's credit card and pay off the balance, presumably at a reduced interest rate.
You cannot get a cash advance with Amazon Secured Credit Card. The Amazon Secured Credit Card can only be used for purchases and only at Amazon.
The fact that Amazon Secured Credit Card cash advances are not an option might be a good thing. Cash advances are very expensive, thanks to a cash advance fee and a high cash advance APR that apply as soon as you withdraw the cash. Also, depending on where you get the cash advance, there may also be...
You can get an Amazon Secured Credit Card deposit refund when you close the account with no unpaid balance. The issuer will also return your deposit to you if they graduate your secured card to an unsecured version of the card. It typically takes 3-5 business days for an Amazon Secured Credit Card deposit refund to be processed.
Keep in mind that you will not get your full deposit back if there is a balance remaining when you close the...
You can report fraudulent activity on your Amazon Secured Credit Card by calling customer service at (866) 489-4841 or the number you see on the back of your card.
Keep in mind that the Amazon Secured Credit Card offers a $0 fraud liability guarantee, which means you won't be on the hook for purchases you didn't make, as long as you report any unauthorized charges that show up.
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2026 WalletHub Awards
Amazon Secured Credit Card is an Editor's Pick for:
Share your insights and review for the Amazon Secured Credit Card
5
31%
4
13%
3
19%
2
6%
1
31%
3.0
16 reviews
16 reviews
What's Your Rating?
Review sort
Skipper Shoji @engineerskipper
Report Abuse
1 Star Rating
A few months ago, my financial account was hacked, so I had to close that account. I updated all my ACH and missed updating my Amazon Synchrony Bank CC. I was charged a $40 late fee. I called Synchrony Bank and even emailed them, explaining the situation and requesting that they waive the late fee. I never received a response. I was still charged a $40 late fee!
Late in the week, I attempted to pay my monthly amount but struggled with issues on the web page. I called Synchrony Bank and ended up paying over the phone using my personal credit card. Two days ago, I noticed that I had a duplicate payment and canceled one of the payments.
I received a notification to contact Synchrony Bank when I went to my Amazon account. I did call Synchrony Bank, and I was told that they are permanently terminating my Synchrony Bank account due to rejected payments, one for the earlier hacked account, and the latter for the duplicate payment. I explained the situation, but they would not reinstate my account.
My credit rating has always been in the high 700s and low 800s! I will not recommend Synchrony Bank to my family and vast network.
Synchrony Bank customer service is the worst I have ever encountered in my last five decades. And Synchrony Bank, just in case you do not know what a decade is, 1 decade is 10 years, thus, 5 decades is 50 years (5x10=50), so you do not have to take out your calculator.
Good riddance!
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Lisa Dunn @lisad_23
I had the same scenario. I had to switch debit cards because of fraud on my account.Bfore I was able to update my accounts they attempted to debit my account twice. They discontinued my card. I had never been late with a payment. Way to go Synchrony. My credit score took a dive!!
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Ronnie R C @ronniercarter
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2 Star Rating
Verified Customer
While I appreciate being approved for this card, I was disappointed to learn that one cannot increase the credit limit on the card with an on-demand additional deposit. You can only increase the credit limit on the card with an additional deposit by invitation from the issuer! Had I known this, I would never have opened the account with the $100 minimum deposit.
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Daniel S @spreadborough
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5 Star Rating
Verified Customer
After years of not using credit, and most credit history dropping off I had to start over building credit. I started this journey with the Amazon secured card, as I am a Prime member and frequent Amazon shopper. Initially I started with a $500 secured deposit and credit limit in April of 2022, my score was a 565. After a few months, I had set aside an additional $500 and applied to increase the credit limit and deposit to the max $1000, and successfully completed this in July of 2022, my score increased to 644 then.
I always paid off the card without carrying a balance to pay interest, and kept the reported utilization well under 30%, generally under 10%. After having the account open for 6 months, I opened a different store card without needing a deposit, and then have opened a couple of regular credit cards. Keeping my utilization low, I'm up to a score of 730 now. In less than a year, I've been able to create a decent credit score and history, and this card was a great start to the journey.
In a couple months, it will have been a year since I opened the secured card and expect to be rolling it over to an unsecured card and getting my deposit back.
I have not had any negative experiences with the card. It does take them a couple of day to post payment to account after submitting it, which is a very minor annoyance, but I'm aware of this and used to it.
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4
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Cody @leboeufcody
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3 Star Rating
Verified Customer
I originally opened this secured card when my credit score was very low and needed to get started on repairing my credit score. I had just financed a new car and had recently started working at a new job, so money was pretty tight. $100 was all I could spare to establish this line of credit on the secured card. Over the months, I've improved my score and now have significantly more money saved up. They don't provide any easy way to increase the amount of credit on this secure card, so the $100 credit limit makes it nearly impossible to keep my credit utilization under 30%, which in turn means I essentially can't use this card. I recently made a small purchase for $33 and paid it off right away, but not before it reported above 30% credit utilization to my credit score and dropped me 47 points. Disappointing and disheartening. Wish they had an easy way to increase the amount of the secured card.
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3
0
Anonymous @Anonymous
Thank you for your review. I didn't realize the impact of the credit limit amount and credit utilization factors affecting the use of the card. Important info for a newbie as myself. It means a lot to me when people go out of their way to help others through the info provided with these reviews.
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11
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Mere P @mereandaddy
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1 Star Rating
Junk. Got card April 2021. Secured with deposit $200. Never missed a payment and pay off balances immediately nevercarry a balance!! . They say they automatically check for upgrades to unsecured. Bs! Called & requested review and was told they did it at 1 year and I wasn't eligible. Asked why ? They can't say. Asked why I wasn't sent a letter? They don't send letters. Answer was check w/ credit agencies. Ha! Hi transunion why didn't Amazon upgrade my card at 1 year? Seriously load of crock! Credit score has only gone up. Nearly 85-90 points since I opened this card. Meanwhile Discover approves an opening limit at $3k!! And TD at $2500! Synchroy sucks!! They always have & always will.
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Tiffany @tiffanyn6
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4 Star Rating
Verified Customer
Love this card helps me build my credit So we’ll see what happens if it does help build my credit it says it does so we’ll see what it does
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1
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Chantel @chantelc_1
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5 Star Rating
Giving me a chance to get my credit back in line and why not Amazon since I use it pretty regularly. I was also able to use it to try and buy on the card.
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Angela @alwaysdreambig0911
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1 Star Rating
I put down $200.00 on this secured account. I had an issue with where the payment was being taken from. Basically they tried to pull from my checking account which had no funds. I quickly fixed the problem and made my payment, but because my declined the payment they closed my account immediately. Not a word closed it down. Sent me my check for remaining money after balance. I am floored by this. You don't even give a chance to fix an error you just shut them down. I could only charge $200 I couldn't go over that so what did they have to lose if a mistake was made. They had my money and would of been paid regardless. Instead of knowing your secure and letting me continue with my account, you shut it down as if something bad happened to your multi billion company. Selfish and in times like this where many are struggling. How do you look yourself in the mirror. Petty is what Amazon is.
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4
0
sandylittle314 @sandylittle314
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1 Star Rating
Verified Customer
You really should allow people to post negative Stars! Do not, I repeat do not, get an Amazon card through Synchrony Bank! I went in to make a payment for $50 like I do every month but two days later my entire bank account was drained because they took all my money out of my account and after repeated calls I get conflicting stories about whether or not I have to wait a month for a paper check to get my money back or they could just directly put it back into my account within 48 hours which they have not done either! So unless you like getting taken for everything you have and pay outrageous interest rates on top of that, do not get this card or any card through Synchrony Bank!
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5
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Gary C @njbulldogg
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1 Star Rating
Verified Customer
Had this card for a year now..never late..never missed a payment..with only a 100.00 limit that I chose...and have never received an upgrade to a non secured..at first they said it took seven monthly on time payments to be considered for an upgrade..then they changed it to a year when I reached the seven month grace period..as of 5/5/20 still no upgrade and its been a year...would not recommend
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4
0
+ 6 WalletHub users submitted a rating without writing a full review
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2026 WalletHub Awards
Amazon Secured Credit Card is an Editor's Pick for:
