Wednesday, February 1, 2023

How To Apply For Amazon Visa Card

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Discover It Cash Back

Amazon Credit Card Offer | FREE $150 Gift Card | How To Get Approved

For three quarters of the year, the Discover it Cash Back card only offers 1% cash back on Amazon purchases, but in the fourth quarter of 2021, the Discover it Cash Back is a winning proposition for Amazon purchases especially for new cardholders. If you remember to enroll in the category that quarter, you will receive 5% back on your Amazon purchases, on up to $1,500 in purchases . And, since Discover matches your cash back at the end of your first year of card membership, new cardholders can essentially earn 10% cash back on Amazon purchases in the fourth quarter.

Amazon Prime Rewards Visa Signature Card Overview

The Amazon Prime Rewards Visa Signature Card is one of the best online shopping credit cards due to its high reward rates on Amazon purchases with no spending caps and Visa Signature benefits.

The biggest drawbacks are the required Amazon Prime membership and a few missing purchase protectionsbut these are minor nitpicks compared to what many other store cards offer.

Want more details? Jump to the following sections:

  • Requires an Amazon Prime membership, which costs $119 per year
  • Only one Amazon Prime account can be linked to this card
  • Reward points cant be transferred to other loyalty programs
  • Although its a Chase credit card, it doesnt have access to the Chase Offers or Chase Ultimate Rewards portals

Earning Your Membership Fee Back

Lets figure out your break-even cost for signing up for Prime and using the Prime Rewards card.

The $100 gift card you receive for signing up goes a long way toward paying off the first-year cost of the Prime membership. Youd have to spend about $380 at Amazon during your first year to earn enough cash back to pay off the remainder of your Prime subscription cost. Heres the breakdown:

$119 minus $100 divided by $0.05 = $380

During subsequent years, youd have to spend about $2,400 on to earn enough cash back to pay for your Prime subscription. Heres the breakdown:

$119 divided by $0.05 = $2,380

A 2017 Consumer Intelligence Research Partners analysis found that the typical Amazon Prime member spends about $1,300 a year with the retailer. Thats not enough spending to justify getting a Prime membership for the sole purpose of getting the credit card.

I spend even less than average, it turns out. I spent $615.62 on Amazon last year, buying both merchandise and digital content. Had I used the Prime Rewards card, I would have earned $30.78 in cash back or Amazon credit, well short of the $119 Prime membership fee.

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Comparison: Amazon Prime Rewards Card Vs Other Chase Credit Cards

*limited-time offer

***5% cash back at Amazon and Whole Foods requires a Prime Membership and that your card is loaded to your eligible Amazon account otherwise earn 3% back on these purchases

****3% back on up to $6,000 spent at US supermarkets in a calendar year, then 1% back

Is The Amazon Prime Store Card A Credit Card

How to Apply for an Amazon Credit Card: 9 Steps (with ...

Yes, the Amazon Prime Store Card is a credit card issued by Synchrony Bank. However, the card has no network affiliations outside of purchases, so its use is limited. On the other hand, the Amazon Prime Rewards Visa Signature Card and the Amazon Rewards Visa Signature Card are issued by Chase and can be used anywhere Visa cards are accepted.

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There Are Other Amazon Credit Cards Out There

The Amazon Prime Rewards Visa Signature Card isnt the only Amazon card there are several choices you can consider.

  • Store Card
  • Amazon Rewards Visa Signature Card
  • Amazon Prime Rewards Visa Signature Card

You can only use the two store cards on

The other Amazon Visa card is similar to the Amazon Prime Rewards Visa Signature Card in that you can use it elsewhere, but it doesnt require an Amazon Prime membership. It also only gives you 3% back at and Whole Foods.

Also, know that youll be considered only for the card you apply for, so be sure to apply directly for the Amazon Prime Rewards Visa Signature Card if thats the card you want.

Make Sure Your Visa Gift Card Is Activated And Ready

First, make sure the gift card has been activated . You might have received a gift receipt or a card holder confirming its activated status, but you can also just call the phone number on the back of the card.

Next, check the card’s balance. This is especially important if you have already used it, but as gift cards often have activation fees, that $50 card may actually have a $49 balance. You’ll need to know the exact dollar and cent number, so don’t skip this step.

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Good If You Don’t Have Prime

No Amazon Prime subscription is required to qualify for the Amazon Rewards Visa Signature Card , meaning you’ll profit from your very first purchase. For example, somebody who spends $4,000 per year at Amazon and Whole Foods would earn $120 back on those purchases with the Amazon Rewards Visa Signature Card , but only $81 with the Amazon Prime Rewards Visa Signature Card once you deduct the cost of Amazon Prime. However, this does not take into account any money you could have saved in waived shipping fees through an Amazon Prime subscription, so figuring out which card is best for you really depends on the total amount you spend and whether the products you regularly order are eligible for Prime shipping. In most cases, the Amazon Prime Rewards Visa Signature Card is the better choice.

Why Should You Get The Amazon Prime Rewards Visa Signature Card

Why You Should Apply For The Amazon Secured Card! | $100 Deposit | Credit Builder
  • Youre already an Amazon Prime member.
  • You shop frequently enough on Amazon to justify the ongoing cost of a $119 Amazon Prime membership.
  • You shop frequently at Whole Foods .
  • You spend a lot on restaurant and gas purchases.
  • Youre a frequent traveler, who can take advantage of the cards travel benefits, including the waived foreign transaction fees.
  • You often shop on foreign websites and would benefit from the lack of a foreign transaction fee for those purchases.

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Bankrates Takeis The Amazon Prime Rewards Visa Signature Worth It

The Amazon Prime Rewards card is undoubtedly worth it if you frequently order from Amazonespecially if you spend over $2,380 each year on the site or spend big on Amazon Prime Day.

With the Prime Rewards card, you can easily reimburse your Prime membership, better protect your purchases and utilize a few travel perks to boot. The unlimited 5 percent rewards easily outperform other credit cards online shopping categories.

On the flip side, a general-purpose rewards card may earn you more if you prefer higher rewards rates on more variable bonus categories or other online retailers. Still, the Amazon Prime Rewards Visa Signature offers better rates and more versatile rewards than many store cards.

All information about the Amazon Prime Rewards Visa Signature Card, Capital One® Walmart Rewards® Card, and Amazon Business Prime American Express Credit Card has been collected independently by and has not been reviewed or approved by the issuer.

The 5% Cash Back Calendar

Each quarter, the Discover it® Cash Back lets you earn 5% cash back on everyday purchases at different places each quarter like, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases – automatically Here’s the 2021 bonus category calendar:

Since Prime Day falls under the 5% bonus categories for the fourth quarter, be sure to use your Discover it® Cash Back to maximize your purchases.

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Earning And Redeeming Points

As mentioned above, the Amazon Prime Rewards Visa Signature Card lets users earn 5% back at Amazon and Whole Foods Market with an eligible Prime membership*. 2% back at restaurants, gas stations, and drugstores*. 1% back on utilities, rideshare, and all other purchases. 10% back or more on select products. **Limited time offer. See terms..

You’ll earn rewards in the form of points, which can then be applied to future Amazon purchases through the Shop with Points Program. Or, you can redeem your points for cash back, gift cards or travel through Chase.

Each point is worth 1 cent each, so 100 points equal $1 in rewards. So long as you’re a cardholder, your rewards won’t expire, and there’s no limit to how many points you can earn.

Will I Be Eligible For The Amazoncom Credit Card If I Have Fair Credit

Amazon Rewards Visa Credit Card Online Application

Answered on Aug 18, 2017

The content is accurate at the time of publication and is subject to change.

If you have fair credit you may be eligible for the store card, but it is not likely you will be approved for an Amazon Rewards Visa card. The store card is issued by Synchrony Bank. Know what you are applying for and what you are getting into. Many people do not read nor understand the full terms of these types of store cards that offer special financing options. They fail to read the fine print and do not realize that if their bill is not paid on time they will be charged interest back to the original date of purchase. So if you had a 24 month agreement and did not pay in full by that time, you will be charged 26.74% for a whole 24 months.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer. Opinions expressed here are the author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card’s issuing bank for the terms & conditions.All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products ‘Terms & Conditions on the issuing banks’ websites.

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Best Amazon Credit Cards 2021

Recommended cards
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To make choosing the right card easier, we’ve looked at credit cards reviewed on ValuePenguin as well as cards on major issuer sites to compile a list of the best rewards credit cards available right now. Our recommendations are based on the additional value you can earn with the cards including the rewards value, cost of ownership and value of benefits such as travel and purchase protections, lounge membership and airline companion passes. Our choices are not influenced by our advertisers. Learn more on how we calculate rewards.

Amazon offers two types of credit cards for customers a rewards card and a store card and each type has an Amazon Prime option and a standard option to choose from.

The intriguing benefit offered by the Store Card and the Amazon Prime Store Card that you can’t get from their rewards card counterparts is the option for monthly financing. With either of the Amazon store cards, you can finance purchases of a certain amount over a six-, 12- or 24-month repayment plan, with a 0% APR. However, this benefit may not be enough to warrant choosing a store card over either of the rewards cards.

Instead, if you frequently shop on or at Whole Foods and you’re looking to earn cash back on your purchases, you should compare Amazon’s rewards cards with our list of the best cash back credit cards to make your decision.

Amazon Prime Rewards Visa Features:

  • Annual fee: $0, although an annual $119 Amazon Prime subscription is required
  • : Good to excellent
  • Rewards: Earn 5% cashback on and Whole Foods Market purchases, 2% cashback at restaurants, gas stations and drugstores, 1% cashback on all other qualifying purchases and a bonus of 10% to 25% on select Amazon merchandise
  • Welcome offer: $100 Amazon gift card upon approval
  • Purchase intro APR: 0% APR up to 18 months
  • Balance transfer intro APR: N/A
  • Standard APR: Variable APR of 14.24% to 22.24%

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Our Thoughts On The Bank Of America Customized Cash Rewards Credit Card

The Bank of America® Customized Cash Rewards credit card offers a unique way to earn. Cardholders can earn 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs , 1% cash back on all other purchases. The 3% categories include gas, online shopping, travel, drug stores or home improvement/furnishings.

The Bank of America® Customized Cash Rewards credit card provides the ability to maximize your rewards based on your spending habits, which can be incredibly valuable throughout different times of the year. For online shoppers, its a no-brainer to choose the online shopping category to make the most of your Amazon purchases.

Amazon Prime Rewards Visa Signature Credit Card Review

Apply For Amazon Pay ICICI Credit Card & Get 600 Cashback instantly | 5 % Rewards on Shopping

We publish unbiased product reviews our opinions are our own and are not influenced by payment we receive from our advertising partners. Learn more about how we review products and read our advertiser disclosure for how we make money.

The Amazon Prime Rewards Visa Signature card could be an ideal choice for people who have an eligible Prime membership and do a great deal of their shopping at and Whole Foods Market. This card comes with no annual fee and offers 5% cash back on purchases at those two retailers, along with 2% cash back at restaurants, gas stations, and drugstores. All other purchases earn 1% cash back.

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How Can I Earn More Cashback With My Amazon Prime Rewards Visa Card

The Amazon Prime Rewards Visa already comes with a high rewards rate of 5% cashback on Whole Foods and Amazon purchases. You could earn more by taking advantage of exclusive offers available to Prime Rewards cardholders that let you earn another 10 – 25% on Amazon purchases, on top of the 5% rewards.

How To Earn Cash Back With The Amazon Prime Rewards Card

The Amazon Prime Rewards Visa Signature Card earns 5% cash back on Amazon and Whole Foods purchases, but to get this rate you must have an active Prime Memberhip and the card must be loaded as a method of payment on your Amazon account. If your Prime Membership lapses or your card isn’t loaded to your account, you’ll earn 3% back at Amazon and Whole Foods.

You’ll also earn 2% cash back at restaurants, gas stations, and drugstores, and 1% back on all other purchases. For a limited time, you can also earn 10% to 25% back on select Amazon items marked as “Prime Card Offers” when you use your card.

With the Amazon Prime Rewards Visa Signature Card , you’ll actually earn rewards as points, with 100 points = 1 dollar. Note that you won’t earn bonus rewards for purchases made through international Amazon sites or certain third-party vendors.

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Other Amazon Financing Options

While Amazon Monthly Payments or an Amazon credit card will likely offer the most flexibility, a number of other flexible payment tools may be a better fit for you. Keep in mind, however, that a few of these methods will require you to pay at least some interest.

Tip: Unfortunately, many shoppers have had trouble using popular installment payment services for Amazon purchases. Quadpay is one notable exception, allowing you to shop on Amazon via the Quadpay app. However, only six-week payment plans are available.

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Amazon Rewards Visa Card review June 2020

These are highlights of the rewards program associated with this credit card account. To participate in the Program, you must have an account that is open and in good standing, and otherwise comply with the Program terms and conditions. The Amazon Prime membership status of the account that you select to be associated with your credit card account will determine the number of points earned on eligible purchases. Accumulated points will be redeemed for Gift Card, which will be loaded to your account by Amazon. Complete terms and conditions describing Program eligibility, limitations and restrictions will be sent after your credit card account is opened. The Toronto-Dominion Bank has no liability or responsibility for the Gift Card or any aspect of your account.

A Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, the full cost of the item must be paid for using your MBNA Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your MBNA Guide to Coverage.

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Is It Hard To Get Amazon Credit Card

With so many different to choose from, many shoppers are left wondering which, if any, might be worth getting. The card that will best suit most consumers is the Amazon Prime Rewards Visa Signature Card. The only drawback is that it’s exclusive to Prime members, who must pay $119 per year for membership.

Furthermore, what are the easiest credit cards to get approved for? Secured are backed by a required refundable security deposit, which reduces the lender’s risk and makes it easier for people who don’t have or who have bad to qualify. This typically makes them easier to get than unsecured cards, which have no such requirement.

Likewise, how can I get approved for Amazon credit card?

To apply for a credit card:

  • Search the Credit Card Marketplace for a credit card you’d like to apply for.
  • Fill in the credit card application and click Submit application.
  • What credit score do you need for Amazon Prime visa?

    Amazon Prime Rewards Visa Signature Card Amazon reports that you‘re “more likely to be approved” for their Prime Rewards Siganture card with a score of 640 or higher. There are user reports of being approved with a score as low as 600.

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