What Credit Score Do You Need for Amazon Credit Card? (2024)

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What Credit Score Do You Need for Amazon Credit Card?

You will need at least a credit score of 580 for an Amazon Credit Card. However, the higher your credit score, the more likely you can get approved. Applying for a credit card can be pretty stressful. No one likes the idea of getting rejected, especially when the card offers awesome rewards and benefits.

However, knowing the credit score requirements can really boost your chances of getting approved. It helps you prepare better, feel more confident, and ultimately enjoy all the perks that come with an Amazon credit card. Whether you’re looking to build your credit, earn cashback on Amazon, or take advantage of special financing deals, this article will show you what credit score you need for an Amazon credit card.

What Credit Score Do You Need for an Amazon Credit Card?

According to Amazon, the lowest credit score for an Amazon credit card is 580, which falls into the Fair range based on FICO scores. To know more about the FICO score range, here’s a breakdown of what is typically considered:

• Exceptional: 800 and above
• Very Good: 740-799
• Good: 670-739
• Fair: 580-669
• Poor: 300-579

However, the FICO score you’ll need may also depend on the type of card you’re applying for.

Amazon Credit Cards and Their Credit Score Requirements

Different Amazon Credit Cards cater to various needs and have specific credit score requirements. Here are some Amazon Credit Cards and the credit scores you might need to get approved:

Amazon Prime Visa Card

• Credit Score Requirement: Good to Excellent (670 or higher)
• Annual Fee: $0
• Prime Membership: Required
• Perks:
  • Accepted anywhere that takes a Visa, not just at Amazon
  • No foreign transaction fees
  • $200 Amazon gift card
  • 5% back on all Amazon and Whole Foods purchases
  • 5% back on purchases made through Chase Travel
  • 2% back at restaurants, gas stations, and on local transit and commuting, including rideshare
  • 1% back on all other purchases anywhere Visa is accepted

Amazon Visa Card

• Credit Score Requirement: Good to Excellent (670 or higher)
• Median Credit Score of Approved Members
• Annual Fee: $0
• Prime Membership: Not Required
• Perks:
  • Accepted anywhere that takes Visa, not just at Amazon.
  • No foreign transaction fees
  • $50 Amazon gift card
  • 3% back on all Amazon and Whole Foods purchases
  • 3% back on purchases made through Chase Travel.
  • 2% back at restaurants, gas stations, and on local transit and commuting, including rideshare.
  • 1% back on all other purchases anywhere Visa is accepted

Amazon Store Card

• Credit Score Requirement: Fair (580 to 669)
• Median Credit Score of Approved Members
• Annual Fee: $0
• Prime Membership: Not Required
• Perks:
  • 0% APR financing
  • Zero fraud liability
  • $10 Amazon gift card
  • Prime cardmembers receive an additional 5% back on Amazon purchases

Amazon Secured Card

• Credit Score Requirement: None
• Median Credit Score of Approved Members
• Annual Fee: $0
• Prime Membership: Not Required
• Perks:
  • Access to TransUnion CreditView Dashboard to track your credit score
  • 10% APR
  • Prime cardmembers receive an additional 2% back on Amazon purchases.

Note: This Amazon credit card is a good choice if you have bad credit or no credit history. As a secured card, it requires a security deposit as collateral, but it’s more accessible than many other secured cards with a minimum deposit of just $100. Additionally, it’s the easiest Amazon credit card to get, with no minimum credit score requirement, making it an ideal option for those looking to build or rebuild their credit.

Amazon Business Prime American Express Card

• Credit Score Requirement: Good to Excellent (670 or higher)
• Median Credit Score of Approved Members
• Annual Fee: $0
• Prime Membership: Required
• Perks:
  • Accepted at 99% of places in the U.S. that accept credit cards
  • No foreign transaction fees
  • $100 statement credit after you make $3,000 in purchases on your Card in your first 3 months
  • 5% back on the first $120,000 of U.S. Amazon and Whole Foods purchases and 1% back thereafter
  • 2% back on U.S. restaurants, gas stations, and wireless telephone services
  • 1% back on other purchases

Amazon Business American Express Card

• Credit Score Requirement: Good to Excellent (670 or higher)
• Median Credit Score of Approved Members
• Annual Fee: $0
• Prime Membership: Not Required
• Perks:
  • Accepted at 99% of places in the U.S. that accept credit cards
  • No foreign transaction fees
  • $100 statement credit after you make $3,000 in purchases on your Card in your first 3 months
  • 3% back on the first $120,000 of U.S. Amazon and Whole Foods purchases and 1% back thereafter
  • 2% back on U.S. restaurants, gas stations, and wireless telephone services
  • 1% back on other purchases

How to Improve Your Credit Score to Get an Amazon Credit Card

Some Amazon cards are easier to obtain than others. If your credit score isn’t high enough to qualify for the Amazon credit card you want, here are some steps to help you improve it:

• Avoid new credit inquiries: Each new credit application can slightly lower your score. Only apply for new credit when necessary, and try to space out your applications.
• Check your credit report for errors: Regularly review your credit reports from all three major bureaus to ensure there are no inaccuracies. Dispute any errors you find to keep your report accurate.
• Keep old accounts open: The length of your credit history impacts your score, so keep older accounts open even if you don’t use them frequently. This shows lenders a longer history of responsible credit use.
• Pay your bills on time: Consistently paying your bills by their due date is one of the most significant factors in maintaining a good credit score. Set up automatic payments or reminders to avoid late payments.
• Reduce your debt: Work on paying down your existing balances, especially on high-interest credit cards. Keeping your credit utilization low can significantly boost your score.

To further help you improve your credit and secure the Amazon credit card you want, use Cushion. By managing and paying your bills and subscriptions through Cushion, your payments are reported to credit bureaus, helping to build your credit history. This not only gives you a clear overview of your transactions but also boosts your financial standing, making it easier to qualify for the Amazon credit card of your dreams.

Summary

A fair credit score may qualify you for an Amazon credit card, but having a good to excellent score will significantly boost your approval chances. If your credit score isn’t quite there yet, follow the strategies listed above to improve it and enhance your chances of approval. No matter which Amazon credit card you’re aiming for, maintaining a healthy credit score is essential for unlocking its benefits and rewards.