Amazon.com Credit Card

Amazon.com Credit Card
Required Credit Score: Excellent, Good
4 459 reviews   Write a Review!
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Amazon.com Credit Card's Rewards

Bonus
$30
Base Earn
1 point / $1
Max Earn
3 points / $1
Earn / Redeem Limit
No
  • A $30 Amazon.com Gift Card will instantly be loaded into your Amazon.com account upon the approval of your credit card application.
  • Earn 3 points for every $1 spent on Amazon.com.
  • Earn 2 points for every eligible $1 spent at gas stations, restaurants, and drugstores.
  • Earn 1 point for every other $1 spent.
  • Redeem your points to pay at checkout on Amazon.com. Every 100 points = $1.00 towards your purchase. Pay for all or part of your purchase with points - there's no minimum.
  • Redeem your points for cash back, gift cards, travel and more. Redemption minimums may apply for cash back and gift cards.

Amazon.com Credit Card's Key APRs & Fees

Intro Rate on Purchases
Not Offered
Intro Rate on Transfers
Not Offered
Regular Rate
14.24% - 22.24% (V)
  • ANNUAL FEE None
  • BALANCE TRANSFER FEE 3%

Amazon.com Credit Card's Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT FEE   None
  • MAX PENALTY APR   29.99% (V)
  • GRACE PERIOD   21 days
  • ONLINE RESPONSE   Yes
  • CASH ADVANCE RATE 19.24% - 23.24% (V)
  • CASH ADVANCE FEE 5% (min $10)
  • FOREIGN TRANSACTION
    FEE  
    3%
  • Get Instant Credit.
Apply Now
at Chase's
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Amazon.com Credit Card Reviews

 
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3.8
Overall Rating: 3.8 / 5
Total Ratings: 459
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Apr 9, 2014
Photo of Rachel S.
4
By:
I was excited to get this credit card as I shop at Amazon all the time! It has come in handy for gas and grocery purchases. I try to use this mostly at Amazon's website since you get more reward points with those purchases over everyday purchases. I have already received notification of my rewards points that are available. I appreciate them giving me a choice of how to spend the points, along with no expiration date. The choice of using them for my Amazon purchase, apply as a statement credit or another reward choice is great for me! When I was first approved, I received a $30 Amazon gift more
Mar 28, 2014
Photo of Wi C.
5
By:
I am delighted. The terms and low late fees are affordable. The cash advance fee is just enough. The grace period of 21 days is so polite. The regular rates are extremely low. The no annual fee is brilliant. The balance transfer fee is so low. I like how there's no max overlimit fee. I like how there's a cash advance rate. My old credit card had none of those features. My old credit card had no grace period. The amazon credit card is definitely something I'm looking forward to signing up for.
Mar 26, 2014
Photo of Adriane W.
4
By:
I have been pretty pleased with this credit card. I shop at amazon quite frequently so I like the fact that I can rack up points and use them to buy stuff on amazon. I wish I could get more points, or an equal number of points on everything that I buy, rather than a certain number of points for gas, groceries etc...I've had no problems with using their online bill pay, and the mobile app (through chase) is one of the best.
Mar 19, 2014
Photo of Kayla S.
5
By:
i love the Amazon card. i'm always shopping on amazon, so it only makes sense to have it. And upon signing up you get 10$ instantly taken off your current purchase, which is part of the thirty dollar bonus. so that doesn't hurt either! plus the points you receive for every purchase you make! the best thing is NO ANNUAL FEE! which I feel like every credit card has now days.
Mar 18, 2014
Photo of Collin S.
4
By:
For the most part I like this card. If you're a big Amazon shopper it makes total sense to use this card because of the 3points/$1 payback that you receive and can roll into future purchase. If you don't shop on Amazon much then you might be better suited using a different card considering 100points only = $1 to spend back on Amazon.
Feb 17, 2014
Photo of Charles J.
5
By:
The Amazon credit card is the best card I've owned. In addition to getting $30 off my Amazon order when I signed up for it, I earn points from shopping that I can use for further discounts on Amazon. My interest rate and payments are also very reasonable, the credit limit is very generous and their customer service has always been great. Plus there's no annual fee.
Feb 6, 2014
Photo of Brian S.
4
By:
I have used both the Amazon credit card as well as a Visa card from M and T bank. I will say that I prefer the Amazon card over the M and T card. The initial $30 bonus is a nice way to get started. The reward points rack up quickly, everyone takes Visa, but the only downside of the card is that the interest rate is high. I would recommend using this card, just make sure your balance off quickly.
Jan 27, 2014
Photo of Rob F.
4
By:
I am mostly happy with this card. I signed up for the Amazon Rewards Visa card because as other reviewers have pointed out, I received a $30 credit towards Amazon purchases and you also get 3 points for every dollar spent on Amazon. Besides buying things on Amazon, I use this card mainly for gasoline purchases since they qualify for 2 points per dollar. Both of these things are great and, when paid in full every month, it made perfect sense. It's got the added bonus of no annual fee, so that's spectacular as well. The only problem I really have with the card is the interest rate. The lowest more
Jan 19, 2014
Photo of Lucy M.
4
By:
I like the Amazon credit card because it allows me to earn points for Amazon merchandise on every purchase I make, on and off their site. Often this is the deciding factor in which credit card I pull out of my wallet. Amazon.com simply has so much merchandise that I can't get locally, that I just look forward to using my points from the card. I think they could do better with their interest rates, but it basically has an APR range similar to those of other retail stores, like my Macy's card.
Jan 12, 2014
Photo of Katie C.
5
By:
I signed up for the Amazon credit card over the holidays when I was doing my Christmas shopping. They advertise the “$30 off your order” at check out so I thought I would sign up and save some money. I don’t shop a ton on Amazon so the extra points I can earn and redeem there isn’t too appealing to me. But if you are a regular shopper, it could save you some money. The interest rates are standard. In the end I decided to cancel this card after I got the bonus. Overall though I would say this card is good.
Jan 10, 2014
Photo of Amy E.
4
By:
I love how right away when you sign up and are approved for your Amazon Credit card, you're given a $30 amazon.com gift card! I do a lot of shopping on amazon.com because I can get great deals and right off the bat that gift card comes in handy! It's great that you can use this card on some every day purchases and still earn points. But meanwhile, use it on amazon.com and you always earn points - score! The interest rates are, of course, a bit high, which I don't like. But the rewards (spending less at amazon.com!) makes having the card worth it.
Dec 30, 2013
Photo of David R.
5
By:
I love my Chase Amazon Visa card. The rewards are great for me. I get 3% back on all Amazon purchases, 2% on a select few other categories, and 1% back on all other purchases. I do lots of shopping on Amazon, including all of my christmas gifts! If you don't do lots of online shopping on Amazon, there are better cards out there, but for me, it is perfect!
Dec 18, 2013
Photo of Rafael M.
5
By:
The Amazon store credit card is one of my favorite store cards. I shop on Amazon at least once every week and I gain a lot of points. You can use these reward points to give yourself discounts on Amazon purchases, which is really great!
Dec 17, 2013
Photo of Doug M.
4
By:
In evaluating the Amazon.com Credit Card, the first thing I wanted to see was how useful the rewards would actually be. So many cards seem like they have a good rewards plan but when it comes time to use or redeem them. I use Amazon for a lot of my online purchasing, so this seemed like a good choice for a rewards card. The ability to reduce the price of your purchase makes the points very valuable to me. The interest rate isn’t that strong compared to some of the other cards, but the usefulness of the rewards outweighs this.
Dec 13, 2013
Photo of Jason B.
5
By:
If you like to shop on Amazon.com, this card is an absolute winner! Overall, a very generous rewards program that can be applied to Amazon.com purchases, especially with the 3X Amazon points and the 30 dollar gift card starter. Plus, the interest rate for the card is competitive or lower than most of the department store cards that I have seen. If you like Amazon.com, this is the card you should be using.
Dec 6, 2013
Photo of Sean R.
5
By:
I absolutely love this card. The best feature is the amazon reward points because they add up really fast and you can use them at Amazon.com which has anything you could ever want. I recommend this card highly, especially if you like shopping at amazon.com like me!
Dec 6, 2013
Photo of Andrew L.
5
By:
Amazon.com Credit Card must be the most used card in my wallet. I buy so many things from Amazon these days that this card gets so much use. One benefit of this card is the Amazon Prime Membership. Also the points offered for purchases on Amazon. Initially I was offered a $50 Amazon shopping spree which made me decide to get this card. I really like Amazon and I also enjoy using this card. Now we just have to wait for drone air delivery. Amazon is so ahead of everyone else.
Dec 5, 2013
Photo of Ashley F.
5
By:
Recently, I applied for the amazon rewards card. I shop on amazon.com a lot and had always seen the advertisement for the card but had never been interested in applying for it. What made me decide to finally go for it was the enticing $30 giftcard they stated I'd get if approved. I was instantly approved and I love the fact that I get rewards back for shopping especially getting 3 points per dollar for using the card on amazon.com since I shop on there very often.
Nov 29, 2013
Photo of Angela G.
4
By:
I use my chase amazon rewards card more than any of my other credit cards. I have all of my monthly amazon subscribe and save items automatically charged to this card. I really like the fact that every purchase I make on this card earns me rewards that I can redeem in the form of cash back, or rather a credit, that is applied to my statement. I typically don't carry a balance, I just pay it outright, so getting this credit for using the card is a great perk that reduces my spending because it goes completely to my purchase and not interest on the card.
Nov 27, 2013
Photo of Robyn F.
5
By:
I've been using the Amazon Visa card for all of my expenses for the last several years. I feel this is a great rewards card for people that do a lot of shopping on Amazon.com. I typically do all of my birthday and Christmas shopping on Amazon so I can get triple points back. I pay off my card every month so I never have to pay any interest, and I usually redeem my points every two statement cycles for statement credit. This credit shows up on my account within two business days and reduces the amount I have to pay on my next bill. I wish I had found more
Nov 26, 2013
Photo of Olga A.
5
By:
At first I was using my Applied Bank Credit Card until a friend told me about all of the stuff she was getting just because of the card she was using. It was the Amazon.com Credit Card. I am always buying stuff for myself, my husband and my daughter on Amazon.com so I would like to rack up the points from spending money on Amazon.com, gasing up my car, eating out at restaurants, and purchase I make at the drugstore. I also love the fact that I could earn 1 point for each dollar I spend elsewhere. My card doesn't have anything like this which make the Amazon.com Credit Card more
Nov 22, 2013
Photo of Jay F.
3
By:
I am the owner of an Amazon.com Credit card. It is a very convenient card because it has very fair interest rates and because Amazon has great deals on so many different items. I applied for this card over the site last summer and was instantly approved a line of credit that I used to buy myself a work computer. Although my credit isn't as high as I would like, they gave me a fair rate in the upper teens. The fact that they give you a $30 gift card as part of being approved is a great bonus and something I missed out on unfortunately. The reward point system more
Nov 20, 2013
Photo of Steven H.
3
By:
I like my Amazon reward card. There are no fees, and it links with my bank account to make it extremely easy to make payments. The rewards are a nice bonus as well. I use this card for all my amazon purchases to get triple points. Out of all my credit cards this one is the one I turn to, even if I don't necessarily need to use credit, I still do for the points. If you do a lot of shopping on amazon, I highly recommend this card. Those points add up fast. Combine that with an Amazon Prime account, and you will save tons on your shipping and more
Nov 19, 2013
Photo of Chris O.
5
By:
I recently applied for and received my Amazon credit card. So far I'm very pleased. No annual fee, online banking is very easy, and the points are easily transferred to my Amazon.com account. By the way, did I mention triple points for all Amazon.com purchases?! I think this is a card that I am going to have for a long time to come. I use it for my every day purchases and bills and get to reap the rewards later. This is going to come in very handy for Christmas time!
Nov 16, 2013
Photo of George G.
4
By:
I can only think of one reason why anyone would want this card, and it is a pretty damn good reason. If you are a regular Amazon customer the benefits from this card speak for themselves. Three points back for every dollar purchase on Amazon adds up incredibly fast and is the best perk this card offers, especially if you purchase multiple items from Amazon regularly like groceries and other supplies. The fact that Amazon is one of the leading online marketplaces only enhances this card and ensures that you will use it more than you might think for online purchases.
Nov 16, 2013
Photo of Debra H.
5
By:
I've had an Amazon card for years now and I've been very happy with it. Since I shop at Amazon all the time--and I mean almost daily--the rewards build up fast: you get triple points from Amazon purchases. Plus, they're readily usable. And growing a pile of rewards money in your account is, well, rewarding, somehow a lot more satisfying than if you got a comparable amount of cash back. I'm saving up so that I can splurge on a major purchase with no money coming out of pocket. About a year ago, my card was stolen, and the company was very efficient about dealing with the problem. Before I more
Nov 16, 2013
Photo of Ann R.
5
By:
Combined with an Amazon Prime account, this credit card is hugely beneficial. I am already shopping on Amazon, so the triple points acquire incredibly quick! Other point bonuses are offered for gas and groceries, which are the other main uses for my card. There are numerous ways to use your points each month, although I have consistently spent them on the Amazon site anyway, considering they offer pretty much everything (the subscription service is awesome.) I am extremely happy with my interest rates, credit limit, and the customer service. By far the best credit card experience I've had to date.
Nov 11, 2013
Photo of Shakia G.
4
By:
I think this is a great credit card offer. They offer bonuses and rewards which could be of huge benefit to the cardholder. Creating this cash back could be used in many ways that help you save on additional purchases. To the contrary I feel that one of the disadvantages is that you must have either excellent or good credit in order to qualify. However, if you do qualify the interest rate is relatively low and there are no annual fees which compared to other cards is great. I also like the fact that you get an initial $30 bonus after getting the card. I would recommend this card to more
Nov 6, 2013
Photo of Sarah S.
5
By:
I've been really happy with my Amazon Rewards Card since I signed up more than one year ago. The point system is easy to understand and I use Amazon for so many purchases anyway that it's almost as good as cash. It's easy to monitor the reward balance since it's linked to my Amazon account. I've been pleased with Chase's customer service as well. They make it easy to pay off the credit card online and their site is very reliable. They accept same-day payments until 8pm I believe, so I have plenty of time to make the payment even if I don't get around to doing it until after more
Nov 5, 2013
Photo of Justin S.
5
By:
I love my Amazon Credit card. The points system is designed to my liking, and I end up racking up points fairly quickly. This allows me to either get little things here and there like movies and music, or take a $20-$40 chunk out of something larger I am buying. I do a lot of my shopping on Amazon so the points get tripled on those purchases. I buy gas every other week and go out to eat with my girlfriend every couple weeks so all those points get doubled! When I signed up they took $50 off my Amazon purchase, and using the Chase website and mobile app is more
Nov 4, 2013
Photo of Krystal M.
5
By:
I absolutely love my Amazon Credit Card. I use it almost weekly because I do a lot of my personal shopping on amazon. When you sign up you initially get a $30.00 Gift Card through amazon. There is no annual fee! The points program is great especially if you use it on amazon a lot. There also isn't a limit on how many points you can use on a transaction. My interest rate on this card is probably the best out of all the cards I have used. Quite low at 15% - 22% compared to other specialty credit cards. Their cash advance rate is pretty average compared to other more
Nov 4, 2013
Photo of Braden B.
5
By:
I absolutely love my Amazon Credit Card! I buy TONS of stuff off Amazon. Even if I can drive down the street and go to the store, Amazon usually has it for less. Anyway, when you sign up you get a 30$ Amazon gift card. Amazing. Also, no annual fee. On top of that three times the points for every dollar spent on Amazon.com when using the credit card. Two times the points for gas and restaurants when you use the amazon.com credit card. Crazy awesome rewards. Points are redeemable on amazon.com purchases. It is almost like this card was meant for me. If you are like me and purchase more
Oct 31, 2013
Photo of Allen M.
5
By:
There is nothing to hate about the Amazon card. It has a great interest rate, and gives you 3 points per dollar on amazon purchases, which is where most of my spending is done anyways. I like that it does not make you wait to spend a thousand to redeem your rewards, you can redeem as little as a dollar, so I end up getting tons of free little knick knacks from amazon. There is no annual fee which is good and while the grace period is only 21 days I can live with that in exchange of all the other benefits, like the 30 dollars just for signing up. more
Oct 30, 2013
Photo of Oragsen L.
5
By:
This Amazon Rewards card has seriously helped me stretch out my dollar. The initial bonus and continued rewards (which I frequently redeem) makes it much easier to shop anywhere knowing that I will get a little something back for myself and not just on Amazon's website. I mainly use this card on gas since prices here keep rising and rising.
Oct 29, 2013
Photo of Liz B.
5
By:
I love my Amazon Rewards card. I use it all the time for all types of purchases and I especially love that I get rewards points to spend on Amazon for just using the card. I am a college student and It is easy to use, easy to pay, no annual fee and I even got $30 when I was approved for the card. It’s a Visa card so it is accepted almost anywhere and they are very good about getting a hold of me if there is any unusual activity on my card. I have never had a problem with this card in the three years that I have more
Oct 27, 2013
Photo of Gail S.
5
By:
I really like my Amazon credit card. About six months ago my wallet was stolen out of my vehicle. I was so upset to learn that there had been charges applied to my card before I was able to cancel it. Thankfully the people at customer service were very helpful. They were able to get the charges taken care of and issued me a new card. I didn’t think it was going to be that simple. I want to thank the person at customer service for being so nice and so helpful. I would recommend this card to all my family and friends.
Oct 25, 2013
Photo of Tom H.
5
By:
The Amazon.com Credit Card is a great card. You get to earn rewards from all of your Amazon purchases to spend more money on Amazon! More books are always great. The initial bonus for signing up can help you make a first purchase. Having no fees was an important feature I was looking for and makes this the perfect card for me. The sign-up was super simple and straight-forward, you can do it during the checkout of an item on Amazon as you make a purchase. I have recommended this card to a couple people and one of them signed up and liked it as well. You can’t go wrong more
Oct 18, 2013
Photo of Nick D.
5
By:
The Amazon store card is very good. I have been using it for over a year and no complaints. Setting up an online account is easy and fast. The company started me off with a generous amount of credit. The most i ever got from any company. They tie the Amazon Store card to your shopping account so making purchases is fast. The interest rate is low and no annual fees. The company gives you a lot of options for your card. You can ask for more credit for example. A lot of privacy settings to keep your account and card safe. I recommend the card for anyone who is more
Oct 17, 2013
Photo of Tyler S.
4
By:
This card is pretty good. They gave me a free gift card for signing up with them. You gain points for shopping with Amazon. I have used the card for six months and shop regularly with amazon. I have already built up enough points to get another 20 dollars towards amazon. The card itself is very cool. It came within a few days and activating it was hassle free. Its a blue/yellow card with vibrant colors. The interest with the card is very reasonable. Customer service has been good, and have not had any problems when I need questions addressed. I would recommend this card to anyone who uses amazon more
Oct 17, 2013
Photo of Elizabeth M.
4
By:
This card is awesome. I buy things from Amazon all the time, so it's nice to gain points for doing so. The interest is quite reasonable, but of course that is based on your credit rating. Their customer service has been good, and I was late on my payment once accidentally, and they waived the late fee for me. When I signed up I got an immediate thirty dollar bonus, and I do mean immediate (once you're approved). So, I would definitely recommend this card to anyone who shops on Amazon on a regular basis, or just wants an all around good card.
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Dec 8, 2012
Photo of Colleen T.
By: Colleen Tuisl
Can I use my Amazon credit card to purchase VISA gift cards at my local businesses?
Dec 8, 2012
Photo of Colleen T.
Colleen Tuisl
Decided to put all my charges on my credit card tomorrow then I can use my pay check to put a substantial PAYMENT on my bill. It is a win-win....have alot of bonus points but don't trust usuing them until AFTER the holidays as I don't need anymore screw ups like last time....but then again there is nothing I will want or need at that point
Dec 8, 2012
Photo of Artemus T.
Artemus Tuisl
There is at least a $3 charge on each Visa card!!
Dec 8, 2012
Photo of Colleen T.
Colleen Tuisl
Thanks!
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Last updated on: Apr 14th, 2014 at 2:40 EDT