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Amazon.com Store Card
 
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Amazon.com Store Card

by Synchrony Bank
4.1 out of 5 stars  See all reviews (73,455 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 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 Benefit: 5% back (as a statement credit) benefit. All purchases (less returns and other credits) to which the 5% back benefit applies will result in a statement credit 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 a bonus statement credit for certain purchases. In such cases, the total statement credit offered for such purchases will be noted on the relevant product page or during checkout, and the remainder of this section will apply to the 5% back benefit inclusive of any bonus statement credit. Please allow up to two billing cycles for your statement credit to be applied 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. Your default option will also be applied to your 1-Click orders. We reserve the right to discontinue or alter the terms of the 5% back benefit at any time and may replace the 5% back statement credit benefit with a 5% back rewards benefit that may be redeemed at Amazon.com as early as 2017. Your Amazon.com Store Card or Amazon Prime Store Card account must remain open and in good standing at the time the credit is posted to your Amazon.com Store Card or Amazon Prime Store Card account, otherwise you will forfeit the credit.

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
An Amazon.com official commented on the review below
4,128 of 4,483 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.
9,561 of 10,394 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
581 of 647 people found the following review helpful
1.0 out of 5 stars Payments January 6, 2013
By patrice
All I have been trying to do for the last 45 minutes is to make a payment to my acct card. Why is it so hard to figure out how to do this. I would even just like to see my acct.!
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An Amazon.com official commented on this review (What's this?)
Amazon Credit Team saysSeptember 17, 2015
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. There are also options to pay your bill on the phone at 1-866-634-8379 - payments on the phone are always free of any service charges. If you have difficultly 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.
1,046 of 1,170 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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414 of 460 people found the following review helpful
2.0 out of 5 stars Not Easy to access and pay!!!!!!!! February 11, 2013
Very hard to access account and pay bill, no bill due reminder......horrible card!!!!
I REALLY HAVE TO WORK TO GET TO THE "PAY YOUR CARD" SECTION! ALSO HIGH INTEREST RATES!!
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916 of 1,029 people found the following review helpful
1.0 out of 5 stars Good Luck Logging Into Your Synchrony Account November 8, 2015
I've had my AMAZON.COM STORE CARD for years, however Synchrony Bank recently updated their website, and it FREEZES UP when you try to log in. I called them, and they're aware of the problem, but their techs are apparently INEPT in fixing it. I changed my password twice, and the password change was acknowledged in a Synchrony email. However, this is the SECOND WEEK, and logging in is still hopeless. If you're asked to GO PAPERLESS on ANY accounts you have don't do it! It's the only way you'll be able to manage your accounts when websites falter. Once I pay off my small balance I will cancel this account. I've had enough.
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3,486 of 3,932 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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239 of 266 people found the following review helpful
1.0 out of 5 stars Horrible way to conduct business July 29, 2013
By Nancy
I made my July pymt on July 2nd and then they charged me a late fee on July 28th stating that I did not pay the bill. Not only did I pay it but I paid almost 500$. Took FOREVER to get through the automated service, and then I was hung up on by the first person, the second person didn't understand a thing I was saying, the manager on that call said she fixed it, but then she hung up on me too. HORRIBLE CUSTOMER SERVICE.
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Most Recent Customer Reviews
5.0 out of 5 stars Good Service
I have had very good service, I want to say how I appreciate the good service and the use of my Amazon store card
Published 14 minutes ago by minnie's mom
1.0 out of 5 stars TRYING TO PAY ON MY ACCOUNT****
I'm trying to pay my account. Amazon if you are reading this then you all need to fix this!!!
Published 22 minutes ago by Pamela Hatchett
5.0 out of 5 stars Recommended if you are using amazon.com frequently.
Have been using this card for 6 months and more. I really like the 5% cash back feature which turns out to be a substantial saving over the purchase period. Read more
Published 1 hour ago by Soumen
5.0 out of 5 stars Five Stars
Easy to use and keep track of purchases.
Published 1 hour ago by C Arocha
2.0 out of 5 stars Two Stars
Why is it so hard to pay my bill
Published 1 hour ago by Amazon Customer
5.0 out of 5 stars Awesome
This is a great card and I love the cash back!
Published 2 hours ago by Monica Williams
5.0 out of 5 stars Amazon Store Card
This is a great card to have. Helped me get thru the Christmas season. If you also belong to Amazon prime. you get free 2 day
shipping on most of their products!! Read more
Published 3 hours ago by NANNY SMITH
1.0 out of 5 stars Inconvenient way to pay
They don't make it easy to pay your bill. You should be able to access your Amazon store card through your "account" tab but it's no where in your Amazon links. Read more
Published 5 hours ago by 808 Lei-D
5.0 out of 5 stars Five Stars
Very easy and convenient to use.
Published 5 hours ago by K. Mayo
5.0 out of 5 stars Excellent!
Excellent!
It was easy to sign up, get the payments setup to automatically come from my bank account and receive timely (but not too many) emails.
Published 5 hours ago by ejr1953
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