Store Card

For People with
Fair Credit



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

Where can I use my Store Card?

This card can only be used on There are two other Amazon credit cads available: the Amazon Rewards Visa Signature and the Amazon Prime Rewards Visa Signature.

Card Quick Facts

Card Quick Facts

  • 5% cash back for Amazon Prime members
  • Special 0% APR financing deals from 6 months to 24 months
  • $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 for Amazon Prime members
How to Redeem

Introductory Bonus

  • $10 gift card upon card approval
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 27.74% 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; 0% interest if paid in full within 6 months.

  • 12-Month Special Financing

    On purchases of $599 or more; 0% interest if paid in full within 12 months.

  • 24-Month Special Financing

    On select items from; 0% interest if paid in full within 24 months.

  • 12-Month Equal Pay Offer

    On select items from; 0% interest until 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.

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:  
 6 reviews
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.

by Amanda

Wish I never got this card! Been paying it down, decided last month I was able to send an extra payment - two days later they lowered my credit card limit, making balance closer to limit. I have had it set for over a year to take automatic reccuring payments, this month they did not take it out - double checked everything was right, no reason it shouldn't have been taken. They charged a late fee upon that and interest when there shouldn't have been. About to report to BBB.

by Stefan
Bill to high

After finally getting to talk to someone I find that the payment should be 1% of total amount on card plus interest& fees.I have no interest rate due to special 12 month card deal. So amonut owed divide by 12months plus 1% should be $94 but i was charge almost twice that and then criedt card custmer service had no idea why iwas paying that much. So i strongly recomend not getting this card.

by Lydisy
I never requested the card, they sent it +

I got my card in the mail right before my vacation across the U.S. I used it for a small amount $80 and forgot to pay it. Basically was with old friends hadn't seen in years. Then I look at my credit report and Syncrony bank reported this as delinquent on my credit report! I paid in full as soon as I returned. I have had other Syncrony Cards in the past and they are not Chase that lets you know via email that your credit card payment is due, no alerts. I believe they hope you are late so if you are late they can increase your interest rate IF you would finance thru them. I have the Chase Visa. I do not like being sent cards automatically but thru Syncrony, no! It's the card that wants you to actually make a late payment and in the first month they put it on your credit report. Gee thanks so glad I have this card that I never requested! They are not consumer friendly. I will be cancelling this card!

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