Do you pay for Amazon store card?

The Amazon Store Card is a credit card offered by Synchrony Bank in partnership with Amazon. It allows you to finance Amazon purchases and earn rewards on eligible orders. Many wonder if there is a fee to get and use the Amazon Store Card. Here are some quick answers to common questions:

Is there an annual fee for the Amazon Store Card?

No, there is no annual fee to have the Amazon Store Card.

Do you need Amazon Prime to get the Amazon Store Card?

No, you do not need an Amazon Prime membership to apply and be approved for the Amazon Store Card.

Can you use the Amazon Store Card anywhere or just on Amazon?

The Amazon Store Card can only be used on for Amazon purchases.

Is there interest on the Amazon Store Card?

Yes, like most credit cards there is interest charged on any unpaid statement balances. The APR is currently between 15.74%-24.74% variable.

Amazon Store Card Overview

The Amazon Store Card from Synchrony Bank is a private label credit specifically for Amazon purchases. It provides financing options on and rewards points on eligible orders. The card can only be used on Amazon and does not have the Visa, Mastercard or American Express network logo. There are two versions of the card:

  • Amazon Store Card – For anyone who wants 5% back on Amazon purchases.
  • Amazon Prime Store Card – For Amazon Prime members to get 5% back plus an additional 2% back on restaurants, gas stations, and drugstores (up to $70 back annually).

Key features of the Amazon Store Card:

  • No annual fee
  • Special financing offers on select Amazon purchases
  • 5% back in rewards on eligible Amazon orders
  • No foreign transaction fees
  • Credit line from $150 to $1,500 upon approval

Getting Approved

To get approved for the Amazon Store Card you’ll need:

  • Be 18 years or older
  • Have a valid U.S. government ID
  • Have a U.S. credit file

The application process is quick and can be done online. You’ll get an instant credit decision. Acceptance is based on factors like credit history, income, and other information in your credit report.

Using the Card

Once approved, you can immediately use the Amazon Store Card to make purchases online at including:

  • Amazon products and digital services
  • Items sold and shipped by third-party sellers
  • Amazon subscriptions like Prime and Audible

The card cannot be used for Amazon purchases through Amazon Pay, Amazon Fresh grocery delivery, Amazon Go stores, or Whole Foods Market. It also cannot be used outside of Amazon such as other online retailers, in-store, at an ATM, or internationally.

Paying the Amazon Store Card

The Amazon Store Card works like any other credit card in that you will receive a statement each month reviewing your transactions, balance owed, minimum payment due, and payment due date. There are a few ways cardholders can pay their bill:

Online Payment

You can make a one-time payment or set up recurring payments through your online account. Accepted payment methods include:

  • Debit card
  • Checking or savings account
  • PayPal account

Phone Payment

Call Synchrony Bank’s customer service line at 1-888-767-7835 to pay with a debit card, checking account or PayPal over the phone. Live agents are available 24/7.

Mail Payment

Send a check or money order payable to Synchrony Bank to the payment address printed on your monthly statement.

Note that mailed payments take longer to process and credit to your account. Paying online or by phone will post the quickest and help avoid late fees.

Amazon Payments

You cannot pay your Amazon Store Card bill directly on Amazon. However, you can use the online payment options above to pay your credit card bill using your Amazon Pay balance, an Amazon gift card, or earnings from services like Amazon Mechanical Turk.

Interest & Fees

There is no annual fee for the Amazon Store Card, but you can be charged other fees and interest if you do not pay your statement balance in full each month. Common charges include:


Interest is charged on any unpaid balance after a billing cycle ends. The current APR on the Amazon Store Card is variable 15.74% to 24.74%. That means with a $1,000 balance and 24.74% APR, you would owe $247.40 in interest charged for the year.

Late Payment Fee

A late fee up to $39 can be charged if you do not make at least the minimum payment by the due date on your statement.

Returned Payment Fee

A returned payment fee up to $39 may be charged if a payment made on your account is returned for non-sufficient funds or other reason.

Penalty APR

The penalty APR is currently 29.99%. If you make a late payment over 60 days late, Synchrony can increase your purchase and special offer APRs to the penalty rate. It will apply for at least 6 months.

Rewards & Savings

One of the biggest benefits of the Amazon Store Card is the rewards you earn on eligible purchases. Here is how it works:

5% Back Rewards

With the Amazon Store Card, you get 5% back as a statement credit on all qualifying purchases. Prime Store Cardmembers also get 5% back on Amazon orders.

2% Back Rewards

Amazon Prime Store Cardmembers receive an additional 2% back at gas stations, restaurants, and drugstores on up to $70 in combined eligible purchases per year. Non-Prime members of the Amazon Store Card do not get the 2% rewards.

No Cap on Rewards

There is no maximum limit to the amount of rewards you can earn with the Amazon Store Card. The more you spend on Amazon, the more rewards you can accumulate.

Special Financing

The Amazon Store Card frequently offers interest-free promotional financing on select Amazon purchases. For example, no interest if paid in full within 6, 12, or 24 months. These special offers allow you to finance large Amazon orders over time.

Prime Member Perks

Amazon Prime Store Cardmembers receive all the benefits of an Amazon Prime membership including free shipping, streaming media, and other Prime exclusive deals and discounts.

Closing the Card

If you no longer want to keep the Amazon Store Card, you can close the account by:

  • Contacting customer service at 1-888-767-7835 and requesting account closure
  • Writing a letter to Synchrony Bank requesting closure
  • Logging in online and submitting a message to close the card

Before closing, pay off any existing balance to avoid interest and late fees. Once closed, you cannot reopen the same account. Any rewards you’ve earned will be forfeited if the account is closed.


The Amazon Store Card can be a beneficial financing tool for frequent Amazon shoppers who want to earn rewards back on their orders. There is no fee for the card, and responsible use can help you earn 5% or more back to save on future Amazon purchases. Make sure to pay your bill on time each month and take advantage of any special financing offers. Overall the Amazon Store Card is a solid retail credit card for those who regularly shop on Amazon.

Frequently Asked Questions

Does the Amazon Store Card have an annual fee?

No, there is no annual fee for the Amazon Store Card.

Can the Amazon Store Card be used anywhere beside Amazon?

No, the Amazon Store Card can only be used to make purchases on

What credit score is needed for approval?

Credit approval is determined based on each applicant’s personal credit profile. In general you’ll need a fair credit score in the mid-600s for a chance of approval.

How do I make a payment on my Amazon Store Card?

You can pay your Amazon Store Card bill online, over the phone, by mail, or with your Amazon Pay balance.

Is there a limit on how much rewards I can earn?

No, there is no maximum cap on the amount of rewards you can earn with the Amazon Store Card.

Can I use the Amazon Store Card for Amazon Prime membership?

Yes, you can use the Amazon Store Card to pay for an Amazon Prime subscription and get 5% rewards back.

What should I do if my Amazon Store Card is lost or stolen?

If your card is lost or stolen, immediately call Synchrony Bank at 1-888-767-7835. They will cancel your current card and issue a new one.

Benefit Amazon Store Card Amazon Prime Store Card
Annual Fee None None
APR 15.74% – 24.74% variable 15.74% – 24.74% variable
Welcome Offer $60 Amazon gift card upon approval $70 Amazon gift card upon approval
Rewards on Amazon 5% Back 5% Back
Rewards Category Bonus None 2% Back at gas stations, restaurants, drugstores (up to $70 back annually)
Prime Membership No Yes

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