If you love shopping on Amazon, you might have noticed the option to apply for an Amazon credit card. It can be a great way to earn rewards on your purchases, but the application process might seem a little confusing at first. Let’s walk through the simple steps to get your own Amazon credit card and start earning.
Finding the Right Amazon Card for You
Before you apply, it helps to know your options. Amazon offers a few different cards, primarily through Chase and Synchrony Bank. The most popular is the Amazon Prime Rewards Visa Signature Card, which offers 5% back at Amazon and Whole Foods if you have a Prime membership. If you’re not a Prime member, there’s a card that gives 3% back. There’s also the Amazon Store Card, which offers special financing on larger purchases.
Where to Start Your Application
The easiest way to apply is directly through the Amazon website. The next time you’re checking out, look for the option that says something like “Apply for the Amazon Rewards Visa Card” or “Get your Amazon Store Card.” You can also go to the Amazon Credit Cards page directly. The application will open right there in your browser.
What You’ll Need to Provide
The application form is straightforward and will ask for some basic personal information. Be ready to provide your full legal name, your home address, your date of birth, and your annual income. You will also need to provide your Social Security Number, as the bank will run a credit check to review your application.
A Quick Look at the Benefits
Once you’re approved, the benefits can add up quickly. Beyond the high rewards rate at Amazon, many of the cards also offer cash back on spending at restaurants, gas stations, and drugstores. There are no annual fees for the standard cards (though the Prime card requires a Prime membership), and your rewards points are automatically applied to your future Amazon purchases, making it very convenient.
A Few Helpful Tips Before You Apply
It’s a good idea to check your own credit score before applying so you have a sense of where you stand. Most of these cards require good to excellent credit for approval. Also, remember that submitting an application will result in a hard inquiry on your credit report, which can temporarily lower your score by a few points.
Applying for an Amazon credit card is a simple process that can make your shopping habits even more rewarding. By knowing which card fits your lifestyle and having your information ready, you can complete the application in just a few minutes and start earning on your next purchase.
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