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Amazon.com Store Card
 
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Amazon.com Store Card

by Synchrony Bank
3.9 out of 5 stars  See all reviews (57,968 customer reviews)

  • 6-month special financing on any purchase totaling $149 or more2
  • 12-month special financing on any purchase totaling $599 or more3
  • 24-month special financing on items4
  • 12-month Equal Pay offer on select Amazon-sold items5
  • 5% Back for eligible Amazon Prime members6
  • No annual fee7
Sign in to your account to see offers for the Amazon Prime Store Card.




Sign-Up Offer

  • A $10 Amazon.com Gift Card1 will instantly be loaded into your Amazon.com Account upon the approval of your credit card application



Benefits

  • No interest if paid in full within 6 months on any purchase totaling $149 or more. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6 months. Minimum monthly payments required.2
  • No interest if paid in full within 12 months on any purchase totaling $599 or more. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 12 months. Minimum monthly payments required.3
  • No interest if paid in full within 24 months on select items sold by Amazon.com. Items sold by third parties do not qualify. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 24 months. Minimum monthly payments required and may pay off purchase before end of promo period.4
  • 12 Month Equal Pay Offer: 0% APR until paid in full. 12 equal monthly payments required.5
  • 5% Back for Amazon Prime members Amazon Prime members are upgraded to the Amazon Prime Store Card and can earn 5% back on all Amazon.com purchases.6
  • No annual fee7
  • Zero fraud liability 9
  • Online and mobile account management



Product Description

Annual Percentage Rate
Purchase APR26.24%*
Minimum Interest ChargeIf you are charged interest, the charge will be no less than $1.50.
*This APR will vary with the market based on the Prime Rate.
Fees
Annual Fee$0
Balance Transfer FeeUp to $35
Other Information
Application Eligibility(1) Your credit history is clear of bankruptcies and seriously delinquent accounts. (2) You are at least 18 years old and have a valid social security number. (3) You have not submitted an application for an Amazon.com Store Card in the past 90 days.
IssuerSynchrony Bank



Additional Information from Issuer

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 or the Amazon Prime Store Card may be used for purchases at Amazon.com and for purchases from other merchants who have enabled the Amazon.com Store Card or the Amazon Prime Store Card as a payment option, but may not be used for the purchase of digital newspaper and magazine subscriptions or games and software downloads at Amazon.com.

1. Upon approval of your Amazon.com Store Card credit card application, the Gift Card will be loaded into your Amazon.com account. Gift Card cannot be used for other gift card purchases. Amazon.com Gift Cards are issued by ACI Gift Cards, Inc., a Washington Company. See www.amazon.com/gc-legal for complete terms and conditions.

2. 6-Month Special Financing Offer: No interest if paid in full within 6 months. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6 months. Minimum monthly payments required. Offer is subject to credit approval. For Amazon.com orders, applies to orders of $149 or more (based on subtotal, which excludes shipping and handling and tax) made on an Amazon.com Store Card account. For Pay With Amazon orders at eligible merchants, applies to orders of $149 or more (based on total order, which includes shipping and handling, tax, less any discounts) made on an Amazon.com Store Card account. Subscribe and Save orders are not eligible for special financing. Items sold on Amazon.com by third party sellers qualify for this offer. No interest will be assessed on the promotional purchase if you pay the following (the "promotional balance") in full within 6 months: (1) the promotional purchase amount, and (2) any optional debt cancellation charges related to the promotional purchase. If you do not, interest will be assessed on the promotional balance from the date of the purchase. Regular account terms apply to non-promotional purchases and, after this promotion ends, to your promotional purchases. For new accounts: Standard variable purchase APR is 26.24%. Minimum interest charge is $1.50. The APR is accurate as of 1/28/2016 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.

3. 12-Month Special Financing Offer: No interest if paid in full within 12 months. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 12 months. Minimum monthly payments required. Offer is subject to credit approval. For Amazon.com orders, applies to orders of $599 or more (based on subtotal, which excludes shipping and handling and tax) made on an Amazon.com Store Card account. For Pay With Amazon orders at eligible merchants, applies to orders of $599 or more (based on total order, which includes shipping and handling, tax, less any discounts) made on an Amazon.com Store Card account. Subscribe and Save orders are not eligible for special financing. Items sold on Amazon.com by third party sellers qualify for this offer. No interest will be assessed on the promotional purchase if you pay the following (the "promotional balance") in full within 12 months: (1) the promotional purchase amount, and (2) any optional debt cancellation charges related to the promotional purchase. If you do not, interest will be assessed on the promotional balance from the date of the purchase. Regular account terms apply to non-promotional purchases and, after this promotion ends, to your promotional purchases. For new accounts: Standard variable purchase APR is 26.24%. Minimum interest charge is $1.50. The APR is accurate as of 1/28/2016 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.

4. 24-Month Special Financing Offer: No interest if paid in full within 24 months. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 24 months. Minimum monthly payments required. Offer is subject to credit approval. Applies to any order total that includes an advertised eligible product sold by Amazon.com made on an Amazon.com Store Card account or an Amazon Prime Store Card account ("Qualifying Purchase"). Any purchase of products sold on Amazon.com by third-party sellers do not count as a Qualifying Purchase but may receive the benefit of this offer if on the same order as a Qualifying Purchase. No interest will be assessed on the promotional purchase if you pay the following (the "promotional balance") in full within 24 months: (1) the promotional purchase amount, and (2) any optional debt cancellation charges related to the promotional purchase. If you do not, interest will be assessed on the promotional balance from the date of the purchase. Depending on purchase amount, promotion length, and payment allocation, the required minimum monthly payments may or may not pay off purchase by end of promotional period. Regular account terms apply to non-promotional purchases and, after this promotion ends, to your promotional purchases. For new accounts: Standard variable purchase APR is 26.24%. Minimum interest charge is $1.50. The APR is accurate as of 1/28/2016 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.

5. 12 Month Equal Pay Offer: 0% APR until paid in full. 12 equal monthly payments required. Offer is subject to credit approval. Applies to a qualifying purchase (and all other items on the order) at Amazon.com made during the promotional period with an Amazon.com Store Card or an Amazon Prime Store Card. Excludes 1-click purchases and purchases of products sold on Amazon.com by third-party sellers. No interest will be charged on the promotional purchase balance (which includes taxes, shipping charges and any optional debt cancellation charges) and equal monthly payments are required equal to the total initial promotional purchase (including taxes and shipping charges) divided by 12 until promo is paid in full. Optional debt cancellation charges will not be included in the calculation of the equal monthly payment, but may require you to make payments for additional months. The equal monthly payment may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases. The equal monthly payment calculated for this promotion will not be increased, but may be included in the $25 or $35 minimum amount otherwise due on your account or will be added to your minimum payment for other balances on your account. For new accounts: Variable purchase APR is 26.24%. Minimum interest charge is $1.50. APR is accurate as of 1/28/16 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. A monthly payment, if shown in advertising, should allow you to pay off this qualifying purchase (excluding taxes, shipping charges, or optional debt cancellation charges) within the promotional period if: (1) this 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 12 month advertised financing offer. Taxes, shipping charges and any additional items purchased on this order will require you to make a higher monthly payment than shown. The monthly payment calculated for this promotion will be added to your minimum payment for other balances on your account and will not apply if you do not select the 12 month advertised financing offer.

6. Amazon Prime Members get 5% back (as a statement credit) on qualifying purchases made with their Amazon Prime Store Card, an upgrade from their existing Amazon.com Store Card.

Amazon Prime Store Card. On and after 3/1/15, at the time you become both (i) a cardholder of an Amazon.com Store Card and (ii) an Eligible Amazon Prime Member as provided below, you will automatically be upgraded to an Amazon Prime Store Card. Before 3/1/15, if you are both (i) a cardholder of an Amazon.com Store Card and (ii) an Eligible Amazon Prime Member, you will need to visit www.amazon.com/storecard and click an ‘Upgrade Now’ button to upgrade to the Amazon Prime Store Card. "Eligible Amazon Prime Members" may include, in Amazon’s sole discretion: Amazon Prime and members of their Amazon Household (excluding invited guests of an Amazon Prime account), Amazon Prime Fresh, Amazon Family, Amazon Prime Student, and trial memberships of Amazon Prime. Eligible Amazon Prime Members will not include members of Amazon Prime Video plan. The Amazon Prime Store Card will be governed by the same Synchrony Bank terms and privacy policy as the Amazon.com Store Card in addition to the 5% back benefit terms described below. If you are an invited guest of an Amazon Prime account, you will need to become an Eligible Amazon Prime Member to upgrade to the Amazon Prime Store Card. You may remain a cardholder of an Amazon Prime Store Card with the 5% back benefit so long as you are an Eligible Amazon Prime Member. Your Amazon Prime Store Card will be changed back to an Amazon.com Store Card if you cease to be an Eligible Amazon Prime Member.

5% back (as a statement credit) benefit. Net qualifying purchases (purchases less returns and other credits) made on or after 3/16/15 with your Amazon Prime Store Card on Amazon.com will result in a statement credit equal to 5% of such net qualifying purchases on your Amazon Prime Store Card account, except as provided by Synchrony Bank below. Please allow up to two billing cycles for your statement credit to post to your account. The 5% back benefit is only eligible on purchases made using your Amazon Prime Store Card at Amazon.com and not on purchases from other merchants who have enabled the Amazon Prime Store Card as a payment option using Pay with Amazon. The 5% back benefit cannot be combined with any applicable promotional financing offers. If your purchase is $149 or more, you will have the option to select either the promotional financing offer or the 5% back benefit you would like to apply to your purchase. If no selection is made during the checkout process, the default option for your Amazon Prime Store Card account will be applied to your purchase. The default option will also be applied to your 1-Click orders. If you were approved for the Amazon.com Store Card before 3/16/15, promotional financing will be your initial default option; otherwise, 5% will be set as your initial default option. To adjust your default option, visit www.amazon.com/storecard, sign in to ‘Your Account’ (if not already signed in), and select the radio button for your desired option. We reserve the right to discontinue or alter the terms of this benefit at any time and may replace the “5% back” statement credit benefit with a “5% back” rewards benefit that may be redeemed on Amazon.com as early as 2016. Your Amazon Prime Store Card account must remain open and in good standing at the time the credit is posted to your account, otherwise you will forfeit the credit. If you cease to be an Eligible Amazon Prime Member or your Amazon Prime Store Card account is not in good standing, you will not receive the 5% back benefit. All Amazon Prime Store Card purchases are subject to credit approval.

7. No Annual Fee: As of 1/28/16 variable purchase APR is 26.24%. Minimum interest charge is $1.50.

8. Note: To immediately use your card to place an order to an address that is not currently on your Amazon.com account, please add the address to your Amazon.com account before applying for the Amazon.com Store Card. To add an address, visit www.amazon.com/gp/css/account/address/view.html.

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 the Account or Card and that you will be liable for all use by such a person.

Ratings and reviews, are provided for your convenience and are opinions of individual Amazon Customers and not of Synchrony Bank. Synchrony Bank does not endorse and makes no representation or warranty and will have no liability for or obligation in connection with any rating or review.


Important Information from Amazon

The information provided is for summary purposes only and at the time of posting is believed to be accurate. When you click on the Apply Now button you can review the current credit card and rewards terms and conditions on the financial institution's web site. Amazon is not a financial service provider and does not have any information in respect of your financial situation, your credit history or your suitability for any credit card. Please review the terms and conditions of each credit card and rewards offer carefully to determine what product may be best suited for you and your financial circumstances.

Amazon will not assist you in obtaining a credit card and does not guarantee or represent that you will receive credit.

*Amazon.com Gift Cards: Amazon.com Gift Cards are issued by ACI Gift Cards, Inc., a Washington corporation. For complete terms and conditions, see http://www.amazon.com/gc-legal. No expiration or service fees.


Additional Information / Frequently Asked Questions for Current Cardholders:

Making a Payment: To make a payment, please visit syncbank.com/amazon and enter your credentials. You may also make a payment over the phone by calling Synchrony Bank at 1-866-634-8379, 24 hours a day, 7 days a week. Step by step instructions on setting up recurring payments can be found here.

Replacement cards / Don't know account number: If you have lost your card, or need your card information, please call Synchrony Bank at 1-866-634-8379.

Credit line increase: If you are interested in a credit line increase on your card, please call Synchrony Bank at 1-866-634-8379, or go to Synchrony Bank's e-servicing site at syncbank.com/amazon and under Account Services at the top of the screen, select "Credit Line Increase", to see if you are eligible.

For additional assistance: Please visit our help page at amazon.com/storecardhelp, call Synchrony Bank at 1-866-634-8379, or visit Synchrony Bank's e-servicing site at syncbank.com/amazon.


Customer Reviews

Top Customer Reviews
8,133 of 8,860 people found the following review helpful
5.0 out of 5 stars Good, but you need to be careful with it December 4, 2012
I've done business with GE CRB before using other store cards, so I knew what to expect going into this. I will echo the advice that a few others have given. For one, I would recommend that you only use this card for one purchase at a time and that you pay it off entirely before using the card again. The interest starts accruing immediately, but you are not billed for it until the promotional term expires - for example 6 months, 12 months, etc. You will see the expiration date and accrued interest amount on your bill. I always make sure I can pay off the entire amount well before the expiration date. Also, I schedule automatic payments through the website so it's paid every two weeks (pay day works well for me). I divide the balance by number of payments and schedule all of them right away. It's very easy to do this and will prevent late payment fees and the possibility of defaulting and getting hit with the accrued interest. I haven't had to deal directly with GE CRB customer service yet, so I don't have any complaints on that.

The benefit of having a card like this is being able to use it for major purchases, paying it off over time, and avoiding any interest charges because you are paying off the balance before the promotional term (deferred interest) expires. You can't do that with a regular credit card. If you want a card to make frequent purchases with and plan on paying off the balance at the end of the month, you're much better off with a regular credit card. One warning... I noticed that after I was approved for this card my method of payment for Kindle one click purchases changed to this card. Keeping it that way would not be good and I wanted to make sure others know about this.
Read more ›
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An Amazon.com official commented on the review below
2,315 of 2,528 people found the following review helpful
1.0 out of 5 stars Too hard to pay bill May 7, 2014
By marc453
This is way too hard to pay my bill. There should be a button on my account to take me to the bill pay page. I shouldn't have to sign in two or three times to pay my bill. Once I get to the bill pay page its ok, but getting there is a real pain. Fix this!
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An Amazon.com official commented on this review (What's this?)
Amazon Credit Team saysFebruary 22, 2016
We're sorry you've had trouble making a payment toward your Amazon.com Store Card. You can make an online payment at http://www.syncbank.com/amazon. If you have difficulty logging into your online account or have other account or payment related questions, please contact Synchrony Bank at 1-866-634-8379 24 hours a day, seven days a week.
3,074 of 3,438 people found the following review helpful
1.0 out of 5 stars INSULTED June 21, 2013
By umami50
We applied for the card and was given a 2500 line of credit although we never went passed 600. Usually around Christmas. We have NEVER been late on a payment in the year plus we have used the card and was always pleased how convenient it was to use. Imagine our surprise when our purchase was declined??? Suddenly and without any notice the credit limit was limited to 600.00??? As I've said we've NEVER even been closed to being late since we have auto pay. FINE! We will pay the card off in full and cancel. We have been loyal Amazon customers for over 20 years so needless to say this is pretty insulting. We will shop elsewhere, You've just lost a long time customer!!??

Update- It is not Amazon but GE Capitol that makes these decisions.Have replaced payment method with bank account and Visa with 0 interest :)) and cancelled GE Capitol. With the number of low ratings GE Capitol has received, Amazon may want to review their choice for lenders.
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272 of 300 people found the following review helpful
1.0 out of 5 stars Horrible, absolutely horrible! May 6, 2014
This is absolutely worst card to manage. GE credit is the poorest to even try to make a payment. Their customer service in india can barely speak english. This card has not a trace of the quality of Amazon service or products. I have been a customer since Amazon started and can't believe they are associated with this card.

DO NOT USE THIS CARD!
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513 of 570 people found the following review helpful
1.0 out of 5 stars Making a payment November 2, 2012
By Jerri
I love the convenience of using my store card but it is by far the most difficult to pay online. There is no clear cut way to just log on and pay.
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1,967 of 2,220 people found the following review helpful
1.0 out of 5 stars Changes without communication. June 27, 2014
I had no problems with the card till today. I have always paid on time and used the card regularly. I decided to pull the trigger and buy something last night. My Amazon card was declined. I know this couldn't be. I had no balance on the card and an $1200 limit. When I logged in I saw that they dropped my limit to $100 without telling. REALLY? I closed my card and spent an extra $5 on the item and went to Best Buy. If this is how Amazon treats their customers by letting the bank they work with do this I will shop other places and pay a few extra bucks for better service.
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776 of 874 people found the following review helpful
Note to Jeff Bezos - please do your company a favor by restructuring your relationship with Synchrony Bank or going to a different partner.

I should have had 5% statement credits for Amazon purchases made since August 2014, none of which I discovered to my dismay, had been credited - I had obviously believed enough in "Brand Amazon" to not feel the need to "check" if the credits were being applied as promised in the marketing materials. I called Amazon customer service today (12/31/14) only to be told Amazon has nothing to do with this card and was transferred promptly to Synchrony Bank.

Synchrony's service and systems are from Ancient Greece because not only do they not have friendly online systems, their customer service proceeds to tell me that they believe the "5% back Promotion was not applied to my account", that they have forwarded this to the "Promotion Department" and that I should call them back either after my January 22 statement, or preferably after my Feb 21 statement. Seriously!!!!!???

Incidentally, I am not alone in being at the receiving end of poor and sometimes deceptive business practices by Synchrony Bank - one just has to read reviews here on Amazon's own website to see the unfortunate patterns.

Jeff, as a long time Amazon customer and believer in Amazon's model and business values, I hope my note reaches you and that you are able to get this sorted out, before it results in serious damage to the Amazon brand.
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Most Recent Customer Reviews
1.0 out of 5 stars I love amazon and I love shopping on amazon
I love amazon and I love shopping on amazon, but dealing with this credit card is painful and waste of time. Read more
Published 4 minutes ago by Aliao
1.0 out of 5 stars One Star
cant log into my account and no information
Published 11 minutes ago by Bill
5.0 out of 5 stars Amazon Store Card rocks!
Makes it easy to make quick purchases, and the 5% rebate is the bomb!
Published 25 minutes ago by Christopher Lane
1.0 out of 5 stars hate that card it first to charge if u forget ...
Didn't even realize I was signing up for it, don't need another card, hate that card it first to charge if u forget to change it
Published 56 minutes ago by Camille Sorrells
1.0 out of 5 stars No thanks.. I at least have to give ...
No thanks ..I at least have to give it 1 star..or else it won't let me submit. ..SAVE your money
Published 1 hour ago by Amazon Customer
1.0 out of 5 stars Why did I ever choose Amazon?
It's easier to meet with President Obama than it is to pay online 😬.
Published 2 hours ago by Rachel
5.0 out of 5 stars Five Stars
I really love having this card. I have definitely shopped on amazon more since getting this card.
Published 2 hours ago by Caroline P.
5.0 out of 5 stars Five Stars
A great card to have.
Published 5 hours ago by Gerald H. Efinger
3.0 out of 5 stars interest rate is outrageously high
It's fine if you pay it off every month. The interest rate is outrageously high.
Published 6 hours ago by momtoA&A
3.0 out of 5 stars ????
I really do like the card...when you use it you get money back...it has said forever I have 45.00 and can't figure it out.. Read more
Published 7 hours ago by Maureen
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