If you want to apply for the Amazon credit card, you need to know which card fits your needs. There are three main options: Amazon Visa, Amazon Store Card, and Amazon Secured Card.
Each one offers different cashback rates, financing features, and reward perks. This article shows you how to apply and use each card to earn the most from your purchases.
Purpose of the Amazon Credit Card
Amazon offers three credit card types to match how you shop and handle credit. The Amazon Visa works for everyday use at Amazon and other places.
The Amazon Store Card is limited to Amazon.com but includes special financing. The Amazon Secured Card is for building or fixing credit.
Each card has different cashback rates and extra features. The main goal is to give you reward options and flexible payment choices based on your needs.
Amazon Credit Card Types And Their Interest Rates
You’ll find three credit card options from Amazon. Each one is built for a different type of shopper or credit user.
Amazon Visa – Chase-Backed
This card works anywhere Visa is accepted. It’s best to shop both online and in-store.
- For all-purpose use — valid at Amazon and outside retailers
- 5% back at Amazon and Whole Foods with Prime
- 2%-3%-1% back on restaurants, gas, transit, and other buys
- $0 annual fee and no foreign transaction fees
Amazon Store Card
This card is for Amazon.com only. It’s helpful if you want rewards or long-term financing.
- Amazon-only use — not accepted in physical stores
- 5% back at Amazon.com with Prime
- Special financing — pay over 6, 12, or 24 months
- Extra 5%-15% rewards on select promotions
Amazon Secured Card
This card is for building or rebuilding credit. It works like the Store Card but requires a deposit.
- Credit-building tool — improves credit over time
- 2% back at Amazon.com with Prime
- Same financing options as the Store Card
- Refundable deposit required to open the account
How to Apply for an Amazon Credit Card?
You can apply for a card directly through your account in just a few steps. This section will guide you through who qualifies, how to apply, and what to expect after approval.
Eligibility Requirements
To apply, you need to meet some basic rules. These include age, location, and credit status.
Each requirement helps confirm your identity and financial readiness. Read through the points below to see if you qualify.
Must Be 18 or Older
You must be at least 18 years old to apply. This is the legal age to qualify for a credit card. Applications under 18 will be declined. Always confirm your age before applying.
U.S. Address and SSN Needed
You need a valid U.S. address and Social Security Number. These help verify your identity.
Foreign addresses or temporary details will not work. Make sure everything is accurate.
Credit Score Requirement
The Visa card needs fair to excellent credit. If you have no credit history, the Secured Card is a better option.
Pick the one that matches your credit status. This avoids application issues.
Application Steps
Once you’re eligible, applying is quick and done online. You’ll choose a card, sign in, and enter basic info.
Approval can be instant or take a little longer. Follow the steps below to get started.
Step 1: Visit the Card Page
Start by going to the credit card section of the website. You’ll see all available card options listed.
Take a moment to check the main features. Choose the one that suits your needs.
Step 2: Select a Card
Pick from Visa, Store Card, or Secured Card. Each has different reward types and credit limits.
Select one card only to apply. Avoid submitting more than one at the same time.
Step 3: Log In to Your Account
Sign in to your online account to continue. If you don’t have one, you’ll need to make it first. Use real details for setup. This links the card to your profile.
Step 4: Fill Out the Application
Enter your full name, SSN, income, and address. All fields are required. Type carefully to avoid mistakes. Review before clicking submit.
Step 5: Submit and Wait
Click submit to finish the process. Some users get approved instantly. Others may need extra review. You’ll get an update by email or through your account.
What Happens After Approval?
If approved, your card is sent by mail, and you can also use it online right away. You won’t need to wait long to start using your rewards. Here’s what comes next.
Card Delivery
The physical card will arrive by mail within a few business days. Delivery usually takes 7 to 10 days. You can track it in your account. Contact support if delayed.
Instant Online Access
Once approved, your card is ready for online use. It shows up in your payment options right away.
You don’t need to wait for the plastic card. You can start using rewards immediately.
Earning and Maximizing Rewards
You can earn cashback and other perks using the right card in the right place. This section shows how to get the most from your card through smart use and timing.
Cashback Strategy
Using the right card in the right category increases your rewards. The Visa card works for everyday spending, while others focus on site-only purchases.
Use Visa for Restaurants, Gas, and Commuting
The Visa version gives extra cashback on restaurants, gas, and transit. It also gives 1% on other general spending.
You can use it almost anywhere that accepts cards. It’s good for daily use beyond shopping online.
Use a Store or Secured Card for Site Purchases Only
The Store and Secured cards are limited to site purchases. They give 5% back with Prime.
They won’t work in physical stores or on other websites. Use them only where they’re accepted to earn rewards.
Prime Membership Boost
Some card benefits depend on your Prime status. Without it, reward rates are lower or removed.
Required to Unlock the 5% Back Benefit
You need a Prime membership to get the full 5% cashback. Without Prime, this benefit drops or disappears.
The boost applies to site-only and Visa cards. Check your membership before applying.
Without Prime, Cashback Is Reduced
No Prime membership means you may only earn 3% or less. This lowers the card’s value. Some benefits may not apply at all. Prime is required for top-tier rewards.
Promotional Offers
Extra rewards are offered on select items throughout the year. You need to check for updates often.
Watch for Extra 5%-15% on Select Items
Sometimes, you get extra cashback, up to 15%, on specific items. These are limited-time deals. Only Store and Secured cards qualify. Check deal banners before buying.
Check Promotions Regularly
Promos change often and don’t always show up in the cart. Go to the promotions page before you shop.
Some items show boosted cashback. Make sure you’re using the right card to qualify.
Financing Options
Big purchases can be split into smaller payments. These options are offered for approved items only.
Use “Pay Over Time” Plans for Large Purchases
You can use 6, 12, or 24-month plans on select items. These are interest-free if paid on time.
You must select this option during the checkout process. Not all products qualify.
Interest-Free If You Qualify and Pay On Time
To avoid charges, make on-time monthly payments. If you miss a due date, interest applies.
Always review the terms before choosing the plan. Stick to the schedule to keep it free.
Customer Support
For Store or Secured card help, call 1-800-346-5538 or mail Synchrony Bank / Amazon, P.O. Box 960013, Orlando, FL 32896-0013.
Have your account info ready. Use this for payments, billing, or updates. Support is available on weekdays.
Disclaimer: Card offers and fees can change at any time. Always check the official site before you apply.
Final Summary: BicCamera Suica Card Online Application
The BicCamera Suica Card online application is fast and done through the official site. You get access to rewards once approved.
Make sure you meet the ID and age rules. Review the features and limits before using the card.
