If you’re a frequent Amazon shopper, you’ve likely seen the prompt at checkout offering rewards for using an Amazon credit card. It’s a tempting offer, promising cash back on your purchases. But the process of applying and getting approved might seem a bit unclear at first.
Learning how to get the amazon credit card is a straightforward process, whether you’re interested in the Amazon Prime Rewards Visa Card or the Amazon Rewards Visa Card for non-Prime members. These cards are issued by Chase Bank, and the application is designed to be quick and seamless, often with an instant decision.
Choosing the Right Amazon Card for You
Before you apply, it’s helpful to know your options. The main card is the Amazon Prime Rewards Visa Card, which offers 5% back on Amazon and Whole Foods Market purchases. This card requires an active Prime membership. If you don’t have Prime, the Amazon Rewards Visa Card offers 3% back on Amazon purchases. Both cards earn rewards on other everyday spending categories, making them versatile for more than just your online shopping.
The Step-by-Step Guide on How to Get the Amazon Credit Card
The easiest way to apply is directly through Amazon’s website. You can usually find the application page by clicking on the card offer when you’re checking out or by searching for “Amazon credit card” in the site’s search bar. The application will ask for standard personal and financial information, including your name, address, Social Security Number, annual income, and details about your housing costs. Chase will perform a hard credit check to assess your application.
What to Know Before You Apply
Since this is a Visa card issued by a major bank, your credit score matters. Generally, you’ll need good to excellent credit to be approved. This typically means a FICO score of 670 or higher. Before applying, it’s a good idea to check your own credit report to ensure there are no surprises. If your credit is still building, you might consider other options first to improve your score.
Maximizing Your Card’s Benefits
Once you have your card, you can start earning rewards immediately. The 5% back at Amazon is a significant saving for regular shoppers. You can also use the card at gas stations, restaurants, and drugstores to accumulate more cash back. Your rewards are automatically added to your Amazon.com account as points, which you can apply directly to future purchases, making every dollar you spend work a little harder for you.
In summary, getting an Amazon credit card is a simple online process that can be highly rewarding if you shop frequently on the platform. By choosing the right card for your membership status, ensuring you meet the credit requirements, and using the card for your everyday purchases, you can make the most of the cash back benefits and enhance your shopping experience.
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