Thinking about applying for an Amazon credit card to make your shopping a little smoother? It’s a popular choice, especially with those tempting rewards on Amazon purchases. But before you click that “apply now” button, you’re probably wondering about the most important factor: your credit score.
Knowing where you stand can save you from a hard inquiry on your credit report that doesn’t end in an approval. Let’s break down what kind of credit score you typically need to get your application for the Amazon credit card approved.
The General Credit Score Range for Approval
For the Amazon Store Card and the Amazon Prime Store Card, which can only be used on Amazon, you generally need a fair to good credit score. This usually means a FICO score of at least 640 or higher. If your score is in the good range (670-739) or above, your chances of approval look much better.
For the Amazon Rewards Visa Card, which you can use anywhere Visa is accepted, the bar is set a bit higher. Issuers typically look for applicants with good to excellent credit, which often means a score of 670 or above. A score in the 700s will make your application even stronger.
Your Credit Score Isn’t the Whole Story
It’s important to remember that your three-digit score is just one piece of the puzzle. Credit card issuers look at your entire financial profile. They will also consider your income, how much existing debt you have, and your history of making on-time payments.
Even if your score is on the lower end of the recommended range, a solid history of responsible credit use and a low debt-to-income ratio can work in your favor.
How to Check Your Credit Before Applying
A great first step is to check your own credit score. You can often get a free score through your bank, credit card issuer, or a reputable online service. Reviewing your credit report for any errors is also a smart move, as correcting mistakes can give your score a quick boost.
If your score isn’t quite where it needs to be, don’t be discouraged. Focusing on paying down balances and making all your payments on time will help improve your score over time, putting you in a better position for a future application.
By knowing the typical credit requirements and checking your own score first, you can approach your Amazon credit card application with confidence and a clear idea of your likelihood for success.
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