Amazon Prime Credit Card: A Complete Guide

Unlock more benefits and learn how to apply

In today’s world of online shopping, the Amazon Credit Card stands out as a compelling option for those who frequently shop on Amazon and want to maximize their purchasing power. Whether you’re an avid Amazon shopper or someone looking to earn rewards on everyday purchases, the Amazon Credit Card offers a range of benefits designed to enhance your shopping experience.

From earning cashback on Amazon purchases to enjoying exclusive cardholder perks, this card provides valuable incentives for both seasoned shoppers and newcomers. In this guide, we’ll explore the features, benefits, and application process for the Amazon Credit Card, helping you decide if it’s the right fit for your financial needs and shopping habits.

Current sign-up bonus

The sign-up bonus offered by Amazon Credit Card has drawn a lot of attention. Amazon is currently offering a $100 gift card just for having your card approved.

Also, a $150 gift card upgrade was made immediately after card approval. Additionally, the unlimited rewards program was 10% off select products on Amazon Prime Day.

This benefit could make Amazon Prime Day the perfect shopping day for all Amazon Prime Card Visa users. So if you’re not in a hurry, wait for Amazon Prime Day and apply for your credit card to get all these extra benefits.

It’s worth remembering that you don’t need to have a minimum spend to receive your bonus, getting it as soon as your credit card is approved. This intro bonus is also enough to pay for your Prime membership for a year.

Reward plan

People who shop on Amazon on a regular basis are the most benefited with this credit card. It offers one of the most profitable plans for shopping on Amazon. For every $2,380 a year you spend on Amazon, you get your Prime membership back, which is about $199 a month.

Cashback

As stated earlier, all purchases made on Amazon or Whole Foods offer 5% cashback, plus an additional 2% at restaurants, gas stations and drugstores and 1% on other purchases.

The 5% cashback on Whole Food is a great benefit to buying food on the spot, offering a great reward. Additionally, it is common for Amazon to publish exclusive, limited-time offers for Prime Card users, with a 10-25% return on select items.

All of these benefits make the Amazon credit card competitive with other cards on the market.

How to rescue your returns?

By receiving your rewards, you are earning points. You can spend your points in the following ways: cashback, travel, Amazon shopping or gift cards.

There is no minimum balance required to redeem your cashback on Amazon, but I have to be honest and say that there is a long list of things you cannot buy with your points.

Unfortunately, many of these items that cannot be purchased with points on your Amazon card are things you would probably want to buy at some point, like music, videos, and Kindle.

Depending on what you want to buy with your points, a refund may be the best option.

Amazon Prime Card Credit Score

The Amazon Prime Visa credit card is suitable for consumers who have an adequate or good credit rating. It is recommended that you have a FICO rating of over 640 points, but there are people who have achieved it with lower points, although this is not guaranteed.

Is this credit card ideal for you?

To find out if this credit card will be useful for you, just analyze if you usually shop at Amazon and groceries at Whole Foods. If the answer is yes, then for sure Amazon Prime Visa will be great for you.

The 5% cashback offered is one of the best cashback offers found on credit cards and usually with spending limits on the cashback amount, which is not the case with this credit card.

So, if you meet the requirements and think this might be a good offer for you, apply for your Amazon Credit Card as soon as possible!

How to Apply for the Amazon Prime Credit Card

The Amazon Prime Credit Card offers exclusive benefits for Prime members, including enhanced rewards on Amazon purchases and other perks. If you’re interested in applying for the Amazon Prime Credit Card, follow these detailed steps to complete your application process.

Step 1: Check Eligibility

1. Verify Prime Membership: Ensure you have an active Amazon Prime membership. The Amazon Prime Credit Card is available exclusively to Prime members, so you’ll need to be a current subscriber.
2. Review Credit Requirements: Make sure you meet the credit score and income requirements. While specific requirements may vary, having a good to excellent credit score will increase your chances of approval.

Step 2: Visit the Amazon Credit Card Website

1. Open Your Web Browser: Navigate to your web browser and search for “Amazon Prime Credit Card” or visit the official Amazon Credit Card page directly at Amazon Credit Card.
2. Select the Amazon Prime Credit Card: On the Amazon Credit Card page, find and select the Amazon Prime Credit Card from the list of available credit cards.

Step 3: Review Card Details

1. Read About the Card: Before applying, familiarize yourself with the features and benefits of the Amazon Prime Credit Card. This includes understanding the rewards structure, annual fee, and any additional perks such as travel protections or purchase protections.
2. Check Terms and Conditions: Review the card’s terms and conditions, including the annual percentage rate (APR), fees, and rewards program to ensure it meets your needs.

Step 4: Start Your Application

1. Click “Apply Now”: Once you’re ready to apply, click the “Apply Now” button on the Amazon Prime Credit Card page. This will direct you to the online application form.
2. Log In to Your Amazon Account: If you’re not already logged into your Amazon account, you’ll need to sign in. If you don’t have an Amazon account, you’ll need to create one to proceed with the application.

Step 5: Complete the Application Form

1. Enter Personal Information: Provide your personal details, including your full name, date of birth, address, and Social Security Number. This information is necessary for identity verification and credit assessment.
2. Provide Financial Information: Fill in details about your income, employment status, and any existing financial obligations. This helps Amazon assess your ability to manage the credit card responsibly.
3. Confirm Amazon Prime Membership: Verify your Amazon Prime membership status. You may need to log in to your Amazon account to confirm your membership during the application process.

Step 6: Review and Submit Your Application

1. Double-Check Information: Review all the information you’ve entered to ensure accuracy. Correct any mistakes or omissions to avoid delays in processing your application.
2. Agree to Terms: Read and agree to the terms and conditions of the Amazon Prime Credit Card. This includes understanding the card’s fees, APR, and other relevant details.
3. Submit Your Application: Click the “Submit” button to send your application for review. Amazon will process your application and perform a credit evaluation.

Step 7: Await Approval

1. Receive Confirmation: After submitting your application, you will receive a confirmation email indicating that your application has been received and is being processed.
2. Check Application Status: Amazon may provide an instant decision or take a few business days to review your application. Keep an eye on your email for updates regarding your application status.

Step 8: Activate Your Card

1. Receive Your Card: If approved, you will receive your Amazon Prime Credit Card in the mail within 7-10 business days.
2. Activate Your Card: Follow the instructions provided with your card to activate it. This usually involves calling a specific number or visiting an activation website.
3. Start Using Your Card: Once activated, you can start using your Amazon Prime Credit Card for purchases, both on Amazon and elsewhere, to earn rewards and enjoy other benefits.

By following these steps, you can successfully apply for the Amazon Prime Credit Card and start taking advantage of the rewards and benefits it offers to Prime members.