Amazon Credit Card Approval Time (2024)

FAQs

Amazon Credit Card Approval Time? ›

Evelyn Boros, Credit Cards Moderator

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.

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.

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).

If your Amazon Store Card application was denied, there could be a few possible explanations: Your credit score is too low. You don't have enough income. Your credit history is limited.

Generally, credit card verification is completed in 2 minutes but at times could take 48 hours, depending on your card issuer. If you still get an error message or cannot complete verification successfully, contact your financial institution, as it might be able to provide further details on the verification problem.

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.

The best store credit card you can get with a 600 credit score is the Amazon Secured Credit Card. It has a $0 annual fee, offers 2% cash back on Amazon purchases if you are a Prime member, and requires a minimum security deposit of $100, which makes it easier to get with bad credit.

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.

Secured credit cards and those designed for individuals with poor or limited credit are typically the easiest to get approved for. Cards such as the OpenSky® Secured Visa® and the Capital One Platinum Secured Credit Card are good examples.

How much is the Amazon Credit Card limit? ›

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 Secured Card and Amazon Prime Secured Card are designed for people who are looking to build or rebuild their credit and requires a security deposit when the account is opened.

You may be instantly approved for the Amazon Credit Card, if you're a clear match for the card's approval requirements. Otherwise, it could take as long as two to four weeks to receive a decision on your application. The same goes for the Amazon Store Card, too.

Chip Lupo, Credit Card Writer

Yes, the Amazon Store Card does a hard inquiry on your credit report when you apply.

Many card issuers have criteria for who can qualify for new accounts, but Chase is perhaps the most strict. Chase's 5/24 rule means that you can't be approved for most Chase cards if you've opened five or more personal credit cards (from any card issuer) within the past 24 months.

You can add your card to Apple Pay, Google Pay or Samsung Pay and start making purchases before your card arrives in the mail. We're always adding new ways to pay to give you the flexibility you need on the go.

You can prequalify online for Amazon store card through Synchrony Bank. The Amazon Visa may be another story. It's handled by Chase Bank.

Chip Lupo, Credit Card Writer

Yes, the Amazon Store Card does a hard inquiry on your credit report when you apply.