Amazon.com Store Card
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Designed for spending on Amazon, this store card offers Equal Pay & deferred interest financing for select purchases over $149. If you’re a Prime member, you can get the Amazon Prime Store Card, which offers 5% cash back when you decline special financing.
Highlights & Features
Rewards
| Introductory Bonus |
|---|
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Balance Transfers
A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.
| Intro Balance Transfer APR | N/A |
| Regular Balance Transfer APR | N/A |
| Balance Transfer Fee | N/A |
Fees
| Penalty APR | N/A |
| Late Fee | Up to $38 |
| Returned Payment Fee | See Terms |
| Additional Cards Annual Fee | N/A |
| Foreign Transaction Fee | N/A |
Cash Advances
Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.
| Cash Advance APR | N/A |
| Cash Advance Fee | N/A |
Amazon.com Store Card
Highlights
- Special no interest financing deals from 6 months to 24 months for eligible purchases
- Equal Pay offers for eligible merchandise of $150 and more
- $10 Amazon gift card when approved
- No annual fee
ABOUT THE ISSUER
Synchrony
Synchrony has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your
Credit card issuer's websiteThe Amazon.com Store Card is used to make purchases from Amazon, and offers special financing options on eligible large purchases. There’s no annual fee.
You won’t earn rewards using this card, but for larger purchases you may be eligible for 0% interest offers. 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.
Prime users can get a similar card that also earns 5% back at Amazon: the Amazon Prime Store Card (Review).
