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Promotional Financing with the Amazon Store Card

The Amazon.com Store Card and Amazon Prime Store Card offer cardholders a variety of promotional financing options. With special financing, you have the flexibility to make a purchase and take time to pay. With Equal Pay Financing, you can elect to pay for your purchase in equal monthly payments, at 0% APR.

Special Financing
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Special Financing options are available to cardholders with purchases $149 or more. No interest if paid in full within 6, 12 or 24 months on qualifying purchases with your Amazon.com Store Card. Interest will charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments are required. Learn how to apply Special Financing to your purchase.

6 Month Financing

  • Applies to any Amazon.com order of $149 or more
  • Minimum monthly payments required

Popular Special Financing Categories:
Kitchen & Dining
Video Games
Books
Automotive

12 Month Financing

  • Applies to any Amazon.com order of $599 or more
  • Minimum monthly payments required

Popular Special Financing Categories:
Camera, photo and video
Sports & outdoors
Home improvement
Major Appliances
Watches
Musical Instruments

24 Month Financing

  • Available on a select number of Amazon-sold HDTVs & Video Projectors
  • Minimum monthly payments required

Browse 24 Month Special Financing eligible items

Equal Pay Financing
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Equal Pay Financing allows cardholders to make equal monthly payments, at 0% APR, during the promotional financing period. Learn how to apply Equal Pay Financing to your purchase.

12 Month Equal Pay

  • Available on purchases of select Amazon-sold products
  • 0% APR Financing with 12 equal monthly payments

Browse 12 Month Equal Pay eligible items

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Additional Information:

How to Make a Payment
You can make a payment or view your Amazon.com Store Card statement by visiting Synchrony Bank after you have received your Amazon.com Store Card in the mail.

Customer Service
If you have a question regarding special financing promotions or a specific charge on your Amazon.com Store Card statement, please contact Synchrony Bank at (866) 634-8379 – 24 hours a day, 7 days a week.


IMPORTANT DETAILS ABOUT THE AMAZON.COM STORE CARD AND AMAZON PRIME STORE CARD OFFERS AND BENEFITS

The Amazon.com Store Card and the Amazon Prime Store Card are issued by Synchrony Bank. If you have questions about the Amazon.com Store Card or the Amazon Prime Store Card, call 1-866-634-8379, available 24 hours a day. The Amazon.com Store Card and the Amazon Prime Store Card may be used for most purchases at Amazon.com, select physical Amazon stores that accept the Amazon.com Store Care or the Amazon Prime Store Card as a payment option (See About Amazon.com Store Card Restrictions for a complete list of exceptions) and for purchases from other merchants who have enabled the Amazon.com Store Card and the Amazon Prime Store Card as a payment option using Pay With Amazon.

1. Limited Time Offer Details. Upon approval of your Amazon.com Store Card application, an Amazon.com Gift Card with the value described above will be loaded into your Amazon.com account. Amazon.com Gift Cards are issued by ACI Gift Cards, Inc., a Washington Company. See Amazon.com Gift Card Terms and Conditions for complete terms and conditions.

2. The Amazon.com Store Card. The Amazon.com Store Card is available to customers with an Amazon.com account, subject to credit approval. Promotional Financing (that is, Special Financing and Equal Pay) offers may apply to purchases made using the Amazon.com Store Card. The 5% back benefit may apply to purchases (less returns and other credits) made using the Amazon.com Store Card when signed into an Amazon.com account with an Eligible Amazon Prime Membership, including 1-Click orders (where 5% back is selected as the default option), and made on or after 3/16/15.

3. The Amazon Prime Store Card. The Amazon Prime Store Card, an upgrade from the Amazon.com Store Card, is available to customers with an Eligible Amazon Prime Membership only, subject to credit approval. Promotional Financing offers may apply to purchases made using the Amazon Prime Store Card. The 5% back benefit may apply to purchases (less returns and other credits) made using the Amazon Prime Store Card (i) when signed into an Amazon.com account of a customer with an Eligible Amazon Prime Membership; or (ii) when signed into any Amazon.com account so long as the cardholder maintains their Eligible Amazon Prime Membership on the Amazon.com account from which they originally applied for the Amazon.com Store Card, in each case including 1-Click orders (where 5% back is selected as the default option or Promotional Financing is unavailable), and made on or after 3/16/15.

4. Upgrading from the Amazon.com Store Card to the Amazon Prime Store Card. At the time you become both (i) a cardholder of an Amazon.com Store Card and (ii) a customer with an Eligible Amazon Prime Membership, you will automatically be upgraded to the Amazon Prime Store Card. However, if you satisfied the criteria in both (i) and (ii) above on 3/1/15 and continue to do so today, you may need to visit www.amazon.com/storecard and click ‘Upgrade Now’ to upgrade to the Amazon Prime Store Card. “Eligible Amazon Prime Memberships” only apply to Amazon.com accounts (and not accounts on any other affiliated websites outside the U.S.) and may include, in Amazon’s sole discretion: annual and monthly Amazon Prime subscriptions and members of their Amazon Household (excluding Amazon Prime Video and invited guests of an Amazon Prime account), Amazon Prime Fresh, Amazon Family, Amazon Prime Student and trial memberships of Amazon Prime. The Amazon Prime Store Card is governed by the same Synchrony Bank terms and privacy policy as the Amazon.com Store Card. Your Amazon Prime Store Card will be changed back to an Amazon.com Store Card if you cease to be a customer with an Eligible Amazon Prime Membership.

5. Important information about your benefits and offers. The 5% back benefit cannot be combined with any Promotional Financing offer; you will have the option to apply the 5% back benefit (if available) or the best available Promotional Financing offer(s) to your purchase. If no selection is made during the checkout process, your default option will be applied to your purchase. Your default option will also be applied to your 1-Click orders. To view or adjust your default option between 5% back and Promotional Financing, visit www.amazon.com/storecard, sign in to ‘Your Account’ (if not already signed in), and select the radio button for your desired option.

6. 5% Back Benefit: Get 5% back. If your Amazon.com Store Card or Amazon Prime Store Card was opened before 11 AM PT, October 2, 2017 (an “Existing Cardholder”), all purchases (less returns and other credits) to which the 5% back benefit applies will continue to result in a statement credit equal to 5% of such purchases on your Amazon.com Store Card or Amazon Prime Store Card account until on or around October 31, 2017 (but in any event, no later than November 17, 2017), at which time all purchases (less returns and other credits) to which the 5% back benefit applies will result in your receiving rewards points equal to 5% of such purchases on your Amazon.com Store Card or Amazon Prime Store Card account, except as provided below. If your Amazon.com Store Card or Amazon Prime Store Card was opened on or after 11 AM PT, October 2, 2017 (a “New Cardholder”), all purchases (less returns and other credits) to which the 5% back benefit applies will result in your receiving rewards points equal to 5% of such purchases on your Amazon.com Store Card or Amazon Prime Store Card account, except as provided below. We may, from time to time at our discretion, supplement the 5% back benefit by offering bonus rewards points for certain purchases. In such cases, the total rewards points offered for such purchases will be noted on the relevant product page or during checkout, and this section will apply to the 5% back benefit inclusive of any bonus rewards points. You may see rewards points referred to simply as rewards and reflected as a dollar balance (versus a points balance), with $1 of rewards being equivalent to 1 rewards point. You may redeem your rewards points for eligible purchases at Amazon.com. Alternatively, you may also elect to redeem your rewards points as a one-time statement credit by visiting your Synchrony Bank online account management page (www.syncbank.com/amazon) or by directly contacting Synchrony Bank. Beginning on October 17, 2017, you will also have the option to automatically redeem your available rewards points balance as a statement credit at the end of each subsequent billing cycle. Your Amazon.com Store Card or Amazon Prime Store Card account must be open and in good standing to redeem rewards points and at the time any statement credit is posted to your account. If your Amazon.com Store Card or Amazon Prime Store Card account is closed, you will forfeit any unredeemed rewards points. Please allow up to two billing cycles (a) for your earned rewards points to be credited to your Amazon.com Store Card or Amazon Prime Store Card account and (b) if you elect to redeem your rewards points as a statement credit, for such statement credit to be applied to your Amazon.com Store Card or Amazon Prime Store Card account. If you return a purchase made with rewards points, allow up to 5 days for the value of the rewards points redeemed to be credited back to your Amazon.com Store Card or Amazon Prime Store Card account. The 5% back benefit cannot be combined with any Special Financing or Equal Pay offer; you will have the option to apply any available Special Financing or Equal Pay offer or the 5% back benefit to your purchase. If no selection is made during the checkout process, your default option will be applied to your purchase, provided such default option is available. The 5% back benefit is the default option for all purchases of less than $149. We reserve the right to remove any person from the 5% back benefit in the event of any fraud or abuse in connection with the benefit. We reserve the right to discontinue or alter the terms of the 5% back benefit at any time.

7. PROMOTIONAL FINANCING: Offers are subject to credit approval. For new Amazon.com Store Card or Amazon Prime Store Card accounts, standard variable purchase APR is 26.99%. Minimum interest charge is $1.50. The APR is accurate as of 7/1/2017 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Existing cardholders should see their credit card agreement for their applicable terms. Promotional Financing is unavailable on purchases of less than $149. We reserve the right to make Promotional Financing unavailable on any purchase at any time in our sole discretion; in such cases, and if Promotional Financing would otherwise have been available, we will notify you of such unavailability prior to or during checkout. We reserve the right to discontinue or alter the Promotional Financing terms at any time.

Special Financing Offers: No interest if paid in full within 6, 12 or 24 months.

  • 6 months offer applies to purchases of $149 or more;
  • 12 months offer applies to purchases of $599 or more; and
  • 24 months offer applies to purchases of eligible Amazon-sold products (and all other items in the same order as such products).

Interest will be charged to your Amazon.com Store Card or Amazon Prime Store Card account from the purchase date if the promotional balance is not paid in full within 6, 12 or 24 months respectively. Minimum monthly payments required.

No interest will be assessed on the promotional balance if you pay the promotional balance in full within the applicable promotional period. If you do not, interest will be assessed on the promotional balance from the date of the purchase. Promotional balance includes the purchase amount, taxes, shipping charges and any optional debt cancellation charges related to the relevant purchase. The subtotal, which excludes shipping, handling and taxes, is used in determining whether the applicable minimum purchase amounts shown above have been met, unless using Pay With Amazon, in which case the total order, which includes shipping, handling and taxes less any discounts, is used. If Amazon-sold products are eligible for 24 months Special Financing, such designation will be noted during checkout. 1-Click orders will default to the Special Financing offer with the longest promotion length if you have chosen Promotional Financing as your default payment option and Promotional Financing is available on your purchase. Special Financing offers cannot be combined with any Equal Pay offer or the 5% back benefit. Your first Subscribe and Save order is eligible for Special Financing offers; subsequent Subscribe and Save orders are not. Depending on purchase amount, promotion length, and payment allocation, the required minimum monthly payments may or may not pay off the purchase by end of promotional period. Regular account terms apply to non-promotional purchases and, after this special financing promotion ends, to promotional purchases.

Equal Pay Offer: Pay for your purchase of eligible products with equal monthly payments and 0% APR until paid in full.
If products are eligible for an Equal Pay offer, such eligibility, together with the designated number of equal monthly payments, will be noted during checkout. The Equal Pay offer will apply to the qualifying product, and all other items in the same order, when payment is made using an Amazon.com Store Card or an Amazon Prime Store Card. No interest will be charged on the promotional purchase balance (which includes the purchase amount, taxes, shipping charges and any optional debt cancellation charges related to the relevant purchase) and equal monthly payments are required in the amount of the total initial promotional purchase (including the purchase amount, taxes and shipping charges) divided by the designated number of equal monthly payments, until the promotional balance is paid in full. Optional debt cancellation charges will not be included in the calculation of the equal monthly payment, but such charges may require you to make payments for additional months. The equal monthly payment may be higher or lower than the minimum payment that would be required if the purchase was a non-promotional purchase. The equal monthly payment calculated will not be increased, but may be included in the minimum amount otherwise due on your account or will be added to your minimum payment for other balances on your account. Equal Pay is not available on 1-Click orders. Equal Pay offers cannot be combined with any Special Financing offer or the 5% back benefit. Subscribe and Save orders are not eligible for Equal Pay offers. A monthly payment, if shown in advertising, should allow you to pay off the qualifying purchase (excluding taxes, shipping charges, or optional debt cancellation charges) within the promotional period if: (1) the purchase is and will be the only balance on the account during the promotional period (this means that you do not incur any additional fees or charges on your account and no other items are purchased with this order), (2) you make the payment by the due date each month, and (3) the purchase is subject to the Equal Pay offer. Taxes and shipping charges on this order will require you to make a higher monthly payment than shown. The monthly payment calculated for each Equal Pay Offer will be added to your minimum payment for other balances on your account, but will not apply if you do not select the Equal Pay Offer advertised. Amazon may designate any product as eligible for an Equal Pay offer, and may designate the number of equal monthly payments associated with such Equal Pay offer, in its sole discretion.

8. No Annual Fee. There is no annual fee associated with the Amazon.com Store Card or Amazon Prime Store Card. See the APR for new accounts in the Promotional Financing section above.

9. Zero Fraud Liability. You will not be held liable in the event of unauthorized use. You agree that unauthorized use does not include use by a person to whom you have given authority to use your Amazon.com Store Card or Amazon Prime Store Card account and that you will be liable for all use by such a person.