Store Card

For People with
Fair Credit



The Store Card is used to make purchases from Amazon, and offers special financing options on eligible large purchases. There’s no annual fee.

Cardholders with Amazon Prime will earn 5% cash back on Amazon purchases when special financing is declined.

You can choose a deferred interest financing offer for eligible purchases of $149 and more:

Promotional Balance Term Length
$149–$598.99 6 months
$599–$798.99 12 months
$799+ 24 months

Take note that deferred financing offers are risky, because if you make a late payment or fail to pay off the full balance by the end of the term, you’ll immediately be charged interest on the starting balance for the entire length of the term. Learn more about deferred interest financing and how to use these offers safely.

And there are also Equal Pay financing offers, which allow you to pay over time at no interest as long as you pay off the financed balance in 12 equal payments. These are better than deferred interest offers because there’s no retroactive interest. You can learn more about the Equal Pay financing offers here.

Where can I use my Store Card?

This card can only be used on

Amazon also provides two other consumer credit cards which can be used anywhere Visa credit cards are accepted:

And there are also two Amazon business cards, which can be used anywhere American Express cards are accepted:

Card Quick Facts

Card Quick Facts

  • 5% cash back at Amazon for Amazon Prime members when declining special financing
  • Special no interest financing deals from 6 months to 24 months for eligible purchases
  • Equal Pay offers for eligible merchandise of $300 and more
  • $10 Amazon gift card when approved
  • No annual fee

For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 5% cash back at for Amazon Prime members

Introductory Bonus

  • $10 gift card upon approval
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 27.99% Variable
Intro Purchase APR -
Foreign Transaction Fee -
Chip Technology None
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $35
Returned Payment Fee See Terms
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR -
Cash Advance Fee -

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • 6-Month Special Financing

    On purchases of $149 or more; no interest if paid in full within 6 months.

  • 12-Month Special Financing

    On purchases of $599 or more; no interest if paid in full within 12 months.

  • 24-Month Special Financing

    On purchases of $799 and more; no interest if paid in full within 24 months.

  • Equal Pay Financing Offer

    On select items from of $300 and more; no interest if paid in full. Requires 12 monthly payments of equal amounts.

  • Zero Fraud Liability

    You will not be held responsible for unauthorized use of your card (contact customer support immediately if you suspect fraud).

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review

Create your own review

Average rating:  
 9 reviews
by Ruth
It's all about them

Pretty much the same issue here. My bank transitioned and was taken over and a payment was missed. The ONLY one ever and I pay my account in full every month. I tried at first, to politely rectify the situation with Synchrony's customer service. Disgusted with that. They were unhelpful, dismissive and could care less whether you have excellent credit or not. I also have a theory that, because I did all of my purchasing through that card on Amazon and paid it off each month, they maybe didn't like my 5% back payments because, I have to say, that was a plus. I can't say what I'd like them to do with their card, but I will be happy to continue using Amazon without their card. Be warned, they do NOT care about you and they will not make any effort to rectify a situation that is quite clearly, a technical glitch. I do not recommend this card at all. I did also follow up with Amazon via chat to express my dissatisfaction. Maybe if enough people do that, they will reconsider other better credit card options for their loyal customers.

by Danny Goff

If you want to be swindled out of your money, go ahead and apply Synchrony Bank (Paypal & Amazon use them so beware). Synchrony closed my account without notice even though I was still in the process of changing banks/moving and they were notified (have the screenshots of the chat). Like others, all the points we should have accrued from spending on this card were taken away when they closed the account. Don't usually like to use the term 'rape and pillage' as listed earlier, but agree. I guess I'll go back to Costco for everything else now...

by Mai

If a bank could be called a con artist, it would apply Synchrony Bank. Being the bank of choice for Amazon's store card puts them in the same category. Synchrony closed our account without notice even though we had a problem with our own local bank putting through a payment, and made them aware of it. On top of that, all the points we should have accrued from spending on this card were taken away when they closed the account. I think that is what is termed 'rape and pillage'. I will do everything in my power to not purchase from Amazon even though it will be difficult because so much of my shopping has been done here. They are holding all of us hostage. Think before opening up this card! And, as hard as it may be, think before purchasing blindly from Amazon. They aren't what they used to be - not best pricing, not best delivery, just convenient.

by B S
Worst Card Ever!!!

I have (had) excellent credit hovering at a FICO of 800. Haven't missed a payment on anything in forever. I only used this card from time-to-time to take advantage of the 6,12 or 24 month 0% financing offers. I had one 6 month offer going until Feb, 2019 when all of a sudden I get a notice I am late on a payment. I had scheduled the payments equally. I never got a notice or warning. In fact, I never even got monthly statements. All I get is a this late notice, no warning, and they are trying to charge me a late fee when I haven't missed a payment. They must have upped the minimum payment or something, but I was suppose to have til Feb and it was almost paid off. Now it's probably going to ruin my perfect credit. HORRIBLE Card!!! I am paying this awful card off off, closing the account and plan on posting negative reviews where ever I can, as often as I can. People need to be warned. Even if you have excellent credit, avoid Synchrony Bank and this Horrible Card....

by Julie
You need to know!!

I use Amazon A LOT! I was thinking the interest would go down, if requested of course, after a year with on time payments...nope.What I didn't know was the option for 6 to 12 month interest free payments depending on the amount of purchase. This card is definitely excellent for those. I believe it's 6 months starting at $149. But you have to choose that or navigate to the option.For normal use I would suggest the Amazon Prime Visa Card. Wish I would have done more research.

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