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Amazon Prime Store Card

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Using this store card you can earn 5% back from Amazon, or if your purchase is over $149 you can opt for promotional deferred-interest financing and pay it off over time. This card is the Prime version of the Store Card, which doesn’t offer rewards or exclusive Prime offers.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 25.99% Variable

Amazon Prime Store Card

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now Read Our Review

Highlights & Features


Spending Rewards
  • 5% back at Amazon
Introductory Bonus
  • $10 Amazon gift card upon approval

Balance Transfers

A balance transfer is a way to move debt from one 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
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee N/A
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee N/A
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your 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
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Zero Liability on Unauthorized Charges
Amazon Prime Store Card


  • 5% back at Amazon
  • $10 gift card upon approval
  • Deferred interest special financing and Equal Pay offers for 6–24 months for eligible purchases over $149
  • Zero Fraud Liability
  • No annual fee


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 website

Speak to Customer Service

1-866-634-8379 or

Try a different phone number
See all Issuer Cards

Designed for cash back rewards or financing large purchases, this card earns 5% back on Amazon, unless you opt for a promotional financing offer. 

You’ll need an active Amazon Prime account to get the card, but if you change your mind about Prime and cancel, you’ll just be downgraded to the very similar Store Card (Review).

Special financing and Equal Pay terms:

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

Beware, if you choose a special financing offer and miss a payment or fail to pay off the entire balance by the end of the term, then you could be charged interest for the entire starting balance, and for the full length of the term. If you opt for the Equal Pay option you’ll have a monthly payment equal to the entire balance divided by the number of months for your term length. Other terms apply, but Equal Pay is generally a better option because there’s no retroactive interest.

This card has no annual fee.

You can only use this card for purchases from Amazon, but there are other Amazon cards you can use anywhere. Learn more in our post, Amazon Credit Cards: Are They Worth It?

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