What Bank Issues The Amazon Credit Card? (2024)

FAQs

What Bank Issues The Amazon Credit Card? ›

Synchrony Bank issues the Amazon Store Card. The Amazon Credit Card can be used wherever Visa is accepted, while the Amazon Store Card only works with Amazon affiliates.

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

IMPORTANT DETAILS ABOUT OFFERS AND BENEFITS OF AMAZON CREDIT CARDS ISSUED BY SYNCHRONY BANK: THE AMAZON STORE CARD AND PRIME STORE CARD (EACH, A “STORE CARD”), and. THE AMAZON SECURED CARD AND AMAZON PRIME SECURED CARD (EACH, A "SECURED CARD")

Synchrony Bank offers the Amazon Prime Store Card, which is limited to use within the Amazon universe. If you're looking for a card to use for purchases with Amazon and beyond, you should consider the the Prime Visa offered by Chase (formerly known as the Amazon Prime Rewards Visa Signature Card).

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 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.

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.

The Secured Card features require a security deposit, the amount of which will equal the credit limit on your account. After 12 months, Synchrony Bank will determine if you are eligible to opt in to convert to the Store Card features of the account based on eligibility criteria and your credit profile.

You'll need to use the Barclays or Barclaycard app* to manage your account. To get the app, you'll need a compatible device and internet access. Go to your usual app store to check if your device is compatible. The Amazon Barclaycard is a Visa credit card.

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

What bank is behind Amazon Credit Card? ›

Synchrony Bank issues the Amazon Store Card. The Amazon Credit Card can be used wherever Visa is accepted, while the Amazon Store Card only works with Amazon affiliates.

At a $500 cap It's becoming very tedious to juggle such a small limit, especially with the amount of money I spend on Amazon. My credit score is not always the greatest but stays well above 710 and is currently a 732 at the time of this posting.

More about Synchrony: Synchrony Bank is owned by Synchrony Financial, a Stamford, Connecticut-based consumer financial services company.

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.

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

If MBNA instantly approves your application, you'll receive an email that includes the MBNA Account Agreement, the terms of your Amazon.ca Rewards Mastercard account, and other important information to the email address you provided on the credit card application.

The Amazon Store Card reports to the credit bureaus once each month, within days after the end of your monthly billing period. Synchrony Bank reports the card's credit limit, account balance, payment status, and more to TransUnion, Equifax, and Experian.