How many Amazon credit cards are there?

Four consumer cards across two issuers: the Prime Visa and the Amazon Visa from Chase, and the Amazon Store Card and Amazon Secured Card from Synchrony.

Which Amazon card has the best rewards?

The Prime Visa and the Amazon Store Card both reach 5% at Amazon with an eligible Prime membership. The Visa wins on reach because it also earns on everything else, and the Store Card cannot be used outside Amazon.

What is the difference between the Amazon credit card and the Amazon store card?

Network and issuer. The Amazon credit cards are Visas issued by Chase and work anywhere Visa is accepted. The store cards are closed-loop cards issued by Synchrony and work only at Amazon and Amazon-owned services.

Which Amazon card is easiest to get?

The Synchrony-issued store cards are reported to be more accessible on fair credit than the Chase-issued Visas, and the secured version adds a refundable deposit for thinner files. Neither issuer publishes an approval cutoff.

Do all the Amazon cards require Prime?

No. The 5% rate on the Prime Visa and the Store Card requires an eligible Prime membership. The Amazon Visa earns 3% at Amazon with no membership at all.

Compare

Every Amazon card, side by side

Four cards, two issuers, one decision. The table below is the whole comparison; the rest of the page explains what it means.

The short answer

Which Amazon card should you get?

Four cards, two issuers. Have Prime: the Prime Visa, 5% at Amazon and it works everywhere. No Prime: the Amazon Visa, 3% and no membership needed. Declined by Chase: the Amazon Store Card, same 5% but Amazon-only. Thin credit file: the secured version of that card.

The table

All four, side by side

Every consumer Amazon card. Rates are as published by the issuer on the date shown below.
Card	Issuer	Where it works	Amazon rate	Needs Prime?	Annual fee
Prime Visa	Chase	Anywhere Visa is accepted	5% back	Yes, for the 5% tier	$0
Amazon Visa	Chase	Anywhere Visa is accepted	3% back	No	$0
Amazon Store Card	Synchrony	Amazon and Amazon-owned services only	5% with eligible Prime	Yes, for the 5% tier	$0
Amazon Secured Card	Synchrony	Amazon and Amazon-owned services only	5% with eligible Prime, as reported	Yes, for the 5% tier	None reported

Sources: Chase — Prime Visa · Chase — Amazon Visa · Yahoo Finance — Amazon Store Card review · verified 2026-08-11 Includes figures confirmed against a corroborating source because the issuer’s own page could not be reached.

Read the “where it works” column first. It is the only row where the four cards genuinely differ in kind rather than by a percentage point, and it decides more than the rate does.

The decision

A winner per reader, not an overall winner

There is no best Amazon card, because the four are aimed at four different situations. Find yours.

You pay for Prime already

The Prime Visa. 5% back (Chase — Prime Visa, verified 2026-08-11) at Amazon.com, Audible.com, Whole Foods Market and Chase Travel, with an eligible Prime membership, no annual fee, and it earns 2% and 1% on the rest of your spending as well. The membership is a cost you have already accepted, so the 5% is free money on Amazon purchases. The full breakdown.

You do not have Prime and do not want it

The Amazon Visa. Same issuer, same $0 annual fee, 3% back (Chase — Amazon Visa, verified 2026-08-11) at Amazon with no membership condition. Paying $139 per year (About Amazon — Prime free trial, verified 2026-08-11) purely to move from 3% to 5% needs around $6,950 of annual Amazon spending to make sense — the arithmetic is here.

Chase said no

The Amazon Store Card. A different bank with a different appetite, and 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). It reaches the same 5% at Amazon. The trade is real: it 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. What that costs you in practice.

Your credit file is thin rather than damaged

The Amazon Secured Card. The same closed-loop product with a refundable deposit attached, which is what makes it reachable. How the two versions differ, and when a deposit is worth placing.

You want one card that earns well everywhere

None of these. Outside Amazon, the Visas pay 2% on a short list and 1% on the rest, and the store cards pay nothing because they cannot be used. A flat 2% cashback card beats all four on general spending. The honest use of an Amazon card is alongside a flat-rate card, not instead of one.

The thing they share

One rewards currency, one fixed value

Whichever card you end up with, the rewards behave identically: 100 points = $1 (each $1 in % back rewards earned is equal to 100 points) (Chase — Prime Visa, verified 2026-08-11), and points don't expire as long as your card account remains open (Chase — Prime Visa, verified 2026-08-11).

No transfer partners, no award charts, no redemption that beats another on value. That makes the comparison above genuinely about rate and reach rather than about which program has the better points — a simplification worth appreciating, given how much of the credit card internet is devoted to the opposite question. How the points work in practice.

See Amazon's current card offers Go deeper on the main head-to-head

#ad Sign-up offers are for new cardmembers only and approval is the issuer's decision. The 5% rates require an eligible Prime membership. We earn a flat fee if you sign up through this link, at no cost to you. How we’re paid.

Go deeper

The comparisons in detail

Prime Visa vs Store Card
The head-to-head on rate, reach, issuer, APR and approval, with a named winner per reader type.
Every card explained
Plain-language definitions of all four Amazon cards and the two issuers behind them.

Common questions

How many Amazon credit cards are there?: Four consumer cards across two issuers: the Prime Visa and the Amazon Visa from Chase, and the Amazon Store Card and Amazon Secured Card from Synchrony.
Which Amazon card has the best rewards?: The Prime Visa and the Amazon Store Card both reach 5% at Amazon with an eligible Prime membership. The Visa wins on reach because it also earns on everything else, and the Store Card cannot be used outside Amazon.
What is the difference between the Amazon credit card and the Amazon store card?: Network and issuer. The Amazon credit cards are Visas issued by Chase and work anywhere Visa is accepted. The store cards are closed-loop cards issued by Synchrony and work only at Amazon and Amazon-owned services.
Which Amazon card is easiest to get?: The Synchrony-issued store cards are reported to be more accessible on fair credit than the Chase-issued Visas, and the secured version adds a refundable deposit for thinner files. Neither issuer publishes an approval cutoff.
Do all the Amazon cards require Prime?: No. The 5% rate on the Prime Visa and the Store Card requires an eligible Prime membership. The Amazon Visa earns 3% at Amazon with no membership at all.

Is the Prime Visa worth it? — the full break-even arithmetic on the card most readers land on
The Amazon Prime free trial — two of these four cards depend on a membership, so start there
How Amazon rewards points work — all four cards pay in the same points, worth the same fixed cent

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