2024 Amazon Credit Card Credit Limit (2024)

FAQs

What is the maximum limit on an Amazon Credit Card? ›

The Amazon Credit Card credit limit is $500. Everyone who gets approved for Amazon Credit Card is guaranteed a credit limit of $500 no matter how creditworthy they are. If you are looking for a higher credit limit than $500, you should apply for a credit card from a different issuer.

The Amazon Credit Card will increase your credit limit no more than once every six months if you ask for an increase yourself. You can also wait to see if you receive an automatic credit limit increase. This may happen as often as every six to 12 months.

Both the Amazon Credit Card and the Prime Visa are for people with good or excellent credit scores of 700+, while the Amazon Store Card accepts fair credit (640+ credit score) and the Amazon Secured Credit Card is for bad credit (300+ credit score).

To get approved for this card, you'll need to have a good credit score of at least 670, though having a higher one certainly won't hurt your chances. Subscribe to the CNBC Select Newsletter!

The Amazon Gift Card sold on Amazon normally ranges between $5 to $500 but you can customise your Amazon Gift Card to any amount of your choice. Simply input the amount you want to purchase while placing your order. You can order as high as $10,000 Amazon customised gift cards.

Yes, the Amazon Store Card builds credit, since Synchrony Bank reports your account information to all three major credit bureaus each month. Making on-time payments and keeping your balance low will improve your score.

Building Credit with Amazon Secured Card

Synchrony Bank will report your account activity to the major credit bureaus. Building a history of on-time payments can help build your credit. As a cardholder, you have several tools at hand to help you learn to build your credit through responsible usage.

You might be able to go over your Amazon Store Card credit limit with the issuer's approval but there's no way of checking that beforehand. You will just have to use your card for an amount that goes over your available credit and see if the system allows the transaction to go through.

You need enough income to afford monthly bill payments on the Amazon Credit Card. While the terms and conditions of the Amazon Credit Card do not disclose a specific minimum income requirement, the higher your income is, the more likely you are to be approved.

Who gets 850 credit score? ›

Payment history accounts for 35% of a FICO® Score and, not surprisingly, we see that those with an 850 basically have no reported history of missed payments, collections or derogatory information. Many people assume that to get an 850 you should have no credit debt.

You'll likely need at least a good credit score (670 to 739) to qualify for the co-branded Amazon Prime Visa. This means you may need to work on improving your credit score if you're below that range and still prefer the Prime Visa's offerings.

The Discover it^® Secured Credit Card is our top pick for easiest credit card to get because it's geared toward those with limited / poor credit. It offers great rewards and charges a $0 annual fee.

If your application isn't approved instantly, you'll be informed of the application status after Chase Bank completes the review process, usually two to four weeks after applying.

Amazon Visa credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval.

5% back or 3% back at Amazon.com, Whole Foods Markets and the participating Amazon stores and sites: You'll earn 5% back with an eligible Prime membership or 3% back without an eligible Prime membership for each $1 of eligible purchases made using your card account at Amazon.com (including digital downloads, Amazon.com ...

Online: You can check your Amazon Credit Card balance simply by signing in to your account. Chase Mobile App: You can also check your Amazon Credit Card balance on the go from the Mobile app. Phone: Call (888) 247-4080 and you will be able to talk to a representative.

Amazon.com Gift Cards are available in $25, $50, and $100 denominations at participating grocery, drug, and convenience stores throughout the U.S. At select stores, you can also choose a variable denomination card, which can be loaded with any amount between $25 and $500.

Banks determine the maximum credit limit on a case-to-case basis based on their internal policies and the cardholder's creditworthiness. However, according to the guidelines issued by the RBI, the credit limit of a Credit Card cannot be more than twice the monthly income of the user.