Amazon Store Card
How to apply for the Amazon Store Card
The application runs inside your Amazon account, the decision is usually immediate, and there is a fallback if it comes back no.
The short answer
How to apply for the Amazon Store Card
The application runs inside your signed-in Amazon account and goes to Synchrony, not Chase. It is a credit application with a hard inquiry, decisions are often immediate, and an approved account can usually be used at Amazon checkout before the physical card arrives.
Before you apply
The question to settle first
This card works for Amazon purchases only — Amazon.com, Amazon Go, Amazon Fresh, Audible, AWS, Alexa Skills, and your Amazon Prime membership charge (Yahoo Finance — Amazon Store Card review, secondary source, verified 2026-08-11) and nowhere else. The Prime Visa matches its Amazon rate and works anywhere Visa is accepted.
So the sensible order is: apply for the Prime Visa if you have a reasonable expectation of approval, and treat the Store Card as the route for people that card declines. It is reported as more accessible on fair credit, with starting limits commonly around $400 (Firstcard — Amazon Visa vs Store Card, secondary source, verified 2026-08-11), which is the entire reason it exists as a separate product.
Applying for both at once is the one approach we would actively discourage. Two credit applications produce two hard inquiries, and the second card gives you nothing the first does not.
The steps
The application, start to finish
1.Decide whether this is the right card first
The Store Card only works at Amazon. If you would be approved for the Prime Visa, that card matches the Amazon rate and also works everywhere else. Settle that question before spending a credit application on this one.
2.Sign in to the Amazon account you actually use
The application runs inside your Amazon account, and the card is tied to it. Applying from an old or secondary account creates a card attached to the wrong order history and the wrong Prime membership.
3.Open the Amazon credit cards page
Amazon lists its card products together. The Store Card and the Secured Card sit alongside the two Chase Visa cards, which is where most of the name confusion starts.
4.Complete the Synchrony application
The application is Synchrony's even though it is presented inside Amazon. It asks for income, housing costs and identity details, and it is a credit application with a hard inquiry attached.
5.Read the decision
Store card decisions are frequently immediate. If approved, the card is usually available to use at Amazon checkout straight away, before any physical card arrives.
6.Check your Prime membership is active before you spend
The 5% rate is conditional on an eligible Prime membership. Approval on its own does not turn the bonus rate on.
Approval
What is knowable about getting approved
Synchrony publishes no minimum credit score for this card, and we are not going to invent one. What can be said is narrower and more useful.
The Store Card is reported as more accessible on fair credit, with starting limits commonly around $400 (Firstcard — Amazon Visa vs Store Card, secondary source, verified 2026-08-11). Two things follow. A modest opening limit is normal rather than a sign that something went wrong. And a card of this type is generally reachable at credit profiles that a general-purpose bank card is not — which is a real advantage if you are building history, and irrelevant if you are not.
What we cannot do: see your file, predict the decision, or affect it. Community-reported approval data is worth reading as calibration and worth nothing as a promise. Our method page sets out exactly where that line sits.
After approval
Two things to do straight away
Check your Prime membership. The 5% rate is 5% back at Amazon.com and Whole Foods Market for cardholders with an eligible Prime membership (Yahoo Finance — Amazon Store Card review, secondary source, verified 2026-08-11). Approval does not switch that on by itself.
Decide your payment habit now, not later. The purchase APR is 29.49% variable (Firstcard — Amazon Visa vs Store Card, secondary source, verified 2026-08-11). That is high enough that a balance carried for a couple of months costs more than a year of 5% rewards on typical spending. If you intend to spread a large purchase, use the Equal Monthly Payments plan deliberately rather than drifting into revolving a balance — the financing rules changed in 2026 and it is worth understanding what replaced what.
#ad Issued by Synchrony and usable at Amazon only. New applicants only, and approval is the issuer's decision. We earn a flat fee if you sign up through this link, at no cost to you. How we’re paid.
Common questions
Common questions
- What credit score do you need for the Amazon Store Card?
- Synchrony does not publish a cutoff. The card is reported as more accessible on fair credit than the Chase-issued Prime Visa, with starting limits commonly around $400, but that is a community-reported pattern rather than an issuer rule.
- Is there pre-approval for the Amazon Store Card?
- Amazon and Synchrony sometimes surface targeted offers inside a signed-in Amazon account. A targeted offer is an invitation to apply, not a guaranteed approval, and a full application still runs.
- How long does approval take?
- Store card decisions are often returned immediately at the end of the application, and an approved account can typically be used at Amazon checkout before a physical card arrives.
- Can you get the Amazon Store Card without Prime?
- You can hold the card without a membership, but the 5% rate is conditional on an eligible Prime membership. Without one you have a closed-loop card with no bonus rate, which is difficult to justify.
- What happens if the Store Card application is declined?
- You receive an adverse action notice setting out the reasons. If the issue is a thin file rather than a damaged one, the Amazon Secured Card is the same product with a refundable deposit attached.
Related
Read next
- Store Card vs Secured Card — the same product with a deposit, and the usual answer after a decline
- Where the Store Card actually works — worth reading before you apply, not after
- How to apply for the Prime Visa — the card that matches the Amazon rate and also works everywhere else
Written by Stephen V. — An enthusiast who's genuinely into this. I read the terms, compile the published rates, and do the math. No lab coat, no credentials, no test lab.
About this site · How we research · How we’re paid
Last verified: 2026-08-11