Amazon.com Credit Card

Amazon.com Credit Card
Required Credit Score: Excellent, Good
4 526 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.
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Amazon.com Credit Card Reviews

 
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3.9
Overall Rating: 3.9 / 5
Total Ratings: 526
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Sep 13, 2014
Photo of Valerie M.
4
By:
I have had my Amazon Rewards card for about a year. I decided to get the card because I was purchasing a large item and they offered me a good deal. I, of course, still use it and love getting the rewards from it. I have contacted customer support with Chase to send me a new card after my wallet was stolen and the service was great. Just don't forget to use it or make a payment and it will be a great card for you.
Sep 5, 2014
Photo of Karlie M.
5
By:
I've had my Amazon credit card for over 7 years now. I love the rewards and the fact there are no annual fees. I am an avid Amazon shopper so the points I receive from using my card on their website is great. It's my ONLY go-to credit card.
Sep 1, 2014
Photo of Dayana J.
5
By:
The Amazon.com Credit Card does not have any annual fees which is really great. Also the point system is very elaborate and rewarding. I can earn points spending money on Amazon or at some gas stations and restaurants which gives me great flexibility to earn rewards. This credit card is a catch!
Aug 25, 2014
Photo of Elena Z.
4
By:
I have gotten the Amazon card to get a good discount on the first time purchase with this card on Amazon plus a free shipping. I don't shop on Amazon too much, but the toy that I was buying for my daughter as a gift was almost $45. With this promotion, I only paid about 12 or 15 dollars for it. I rarely use credit cards in day by day purchases, so I think it is good to have it just in case. The rate is reasonable, and if you do not overcharge on it, it is very manageable.
Aug 25, 2014
Photo of Subconcious B.
5
By:
I'm a HUGE amazon shopper so this card is very well put together. CHASE has done it again
Aug 19, 2014
Photo of Nigel W.
4
By:
I initially accepted this card for the $30 gift and it has been useful because I shop on Amazon.com all the time, so I like to use the points to make me feel like I have free expedited shipping.
Aug 8, 2014
Photo of Katelyn W.
4
By:
I like that this card offers a $30 gift upon approval and with decent credit the APR isn't too high. The only thing that seems to be a little difficult is amassing points. However with no annual fee it kind of makes up for that. This reminds me of a premier bank credit card because you can do cash advances with a slightly higher APR. Overall I'd recommend this card to heavy online shoppers.
Jul 24, 2014
Photo of Jimmy L.
5
By:
I love this card, I shop at amazon very often so the rewards really pile up for me. Just like any other credit card, pay it off on time and you'll be fine. If you don’t shop on amazon a lot though, I would not suggest the card for you, it just would not be worth it at that point. Be sure not to get it just for the $50 dollar gift card.
Jul 3, 2014
Photo of Ashley R.
5
By:
This credit card is a nice one to have. The rewards are certainly worth it provided that you can keep up with the monthly payments and pay it off each month. The interest rate is a bit high, however if you only use the card for what you know you are able to pay off each month, it really helps to boost your credit. This card is especially ideal for those who use Amazon to make online purchases quite frequently.
Jun 19, 2014
Photo of Riley P.
5
By:
The Amazon card is a good one to use, if you can commit to using it for all your purchases and paying it off every month. One time paying the late fee of $35 will eat up the points you accumulate on $10,000 of purchases (and, paying interest on a carried balance will do the same). We use it for all grocery, gasoline, restaurant, utility bills and online purchases. Do NOT redeem your rewards for an online amazon.com purchase. You get 3 cents/dollar spent on amazon you charge (the highest tier of rewards). Instead, charge your amazon purchases and then use your redemption rewards to 'pay on the card balance' later.
Jun 5, 2014
Photo of Bianca H.
5
By:
You have to have excellent or good credit to get an Amazon.com Credit Card. Pay your bill on time to avoid the $35 late fee. The rewards program for this card is aimed to be taken advantage of by people who shop on amazon.com a lot. you can earn 3 points for every dollar you spend on their website. That adds up really fast and you can use the cash redemption option to use those point for more amazon.com purchases. You can also get 2 points for ever $1 you spend at a gas station. The rewards program for this card is great. If you have the credit and use more
Jun 4, 2014
Photo of Kristen K.
5
By:
I really like this card. Being young with not a lot of time to build up my credit score I was thrilled to get a card that was a Visa that also had no annual fees or anything like that. I earn points quicker than I did with my Discover card I used to use, so that was awesome to realize when I was able to get a statement credit within a couple of months of using the card. I love Amazon too, so it's great to earn extra points when I buy all the random stuff I get from there! The bonus money at the beginning was good incentive more
May 27, 2014
Photo of Tiffany J.
4
By:
I really like my Amazon card. I have been able to earn a number of points, which I have been able to use as cash through my Amazon account. Additionally, it makes using Amazon Prime extremely simple, as the One-Click purchasing option saves me a lot of time. It is easy to make payments and access information about my card online. I would highly recommend this card, as the ease of use and the ease of access to information regarding my account go above most of the other cards I have used previously.
May 16, 2014
Photo of Bryant M.
5
By:
I love this card. I order a lot of stuff from Amazon, so this card is amazing. 3% back on all orders, which, with the amount of things I order, is a major amount back in my pocket. Not to mention that it still gets 1% and 2% everywhere else. The APR is decent for such a high credit limit which makes an balance due not incur too much. There's no annual fee, which I love. This card is a must get for anyone that uses Amazon regularly.
May 8, 2014
Photo of Zylo S.
5
By:
So far this card has worked out really well for me. When I first signed up through Amazon, they offered a $50 rebate. I was buying electronics at the time, so that $50 really helped. I'm also a frequent Amazon shopper. Most sites I can use a third-party app or site to get rebates or rewards for shopping through them, but Amazon doesn't allow that most of the time. The credit card is an easy way to get rewards that aren't offered anywhere else just by using it. I've used it several times now to get Amazon gift cards to use for purchases. The credit card page itself is easy more
May 8, 2014
Photo of Andrew B.
3
By:
When I originally applied, I didn't think I had a chance of being approved. However, I was, and with a $500 limit. This is the only thing saving the rating. I fell behind on payments, but not for too long. I managed to get it paid back without too much hassle, however, the card was still closed. I was not able to get it reopened either with a lower limit or anything. Overall, I'd a decent service, but there is much better.
Apr 30, 2014
Photo of Judy-Gene D.
5
By:
I personally enjoy this card because of the reward points. As a constant amazon shopper it is important to me that I have a credit card that helps me earn free stuff. I have got a baseball glove and other items totally free with this reward system.
Apr 17, 2014
Photo of Dakota D.
5
By:
awesome credit card,chase is extremely reliable plus i get rewards on every single item purchased, i use it on amazon a lot so i get 3x the points. It's so nice getting money back
awesome card.
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
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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: Sep 16th, 2014 at 1:03 EDT