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Neither of these cards have a 0% intro APR or an annual fee. They provide options like:
- cash back on purchases you make from Amazon and elsewhere
- special financing deals for expensive purchases
- cash bonuses for signing up.
Read on to see what each of these cards offer, how they differ, and if one of them might be right for you.
Where Can I Use The Amazon.com Cards?
You can use the Amazon.com Store card only at Amazon.
You can use the Amazon.com Rewards Visa Card at Amazon and also anywhere that Visa is accepted (which is pretty much everywhere).
For People with
- Annual Fee: $0
- Interest Rate: 14.49%-22.49% *Variable
Quick Card Facts
- Earn 3% back at Amazon.com for every $1 spent on Amazon.com
- Earn 2% back at gas stations, restaurants, and drugstores
- Earn 1% back on all other purchases
The information for Amazon.com Rewards Visa® Card has been collected independently by Credit Card Insider. The card details on this page have not been reviewed or provided by the card issuer.
Amazon Store Card
You’ll be able to choose one of these financing plans when you make a qualifying purchase:
- 6-month 0% APR special financing on purchases of at least $149
- 12-month 0% APR special financing on purchases of at least $599
- 24-month 0% APR special financing on select Amazon-sold items
- 12-month 0% APR Equal Pay offer on select Amazon-sold items
The Equal Pay offer lets you pay off purchases at 0% APR over 12 months, in 12 equal monthly payments. You can click here to browse the selected items available for the Equal Pay and special financing plans, which change frequently.
You’ll have the option to choose the financing plan you want as you’re checking out.
Take note: If you fail to pay back your entire purchase within the time frame, you’ll be charged interest going all the way back to the purchase date.
Minimum monthly payments are required for all of the finance plans.
There are two other rewards for using this card:
- 5% cash back on purchases from Amazon – Amazon Prime members only!
- A $10 signup bonus after being approved, in the form of an Amazon Gift Card
If you’re an Amazon Prime member you’ll automatically be given the Amazon Prime Store Card, and this 5% cash back on Amazon purchases makes the card a great choice for Prime users who are already spending plenty of money at Amazon. If you’re not already using a credit card to get cash back, this is a chance to get a nice discount with every purchase.
The 5% cash back can’t be combined with the financing plans. When checking out, Prime users will be given a choice to either earn the cash back or choose an eligible financing plan. You can set a default option so you’ll automatically choose one or the other.
You’ll be able to redeem the cash back you earn as a statement credit to your account.
Amazon Rewards Visa
The Amazon Rewards Visa is more like a regular credit card. It doesn’t offer special financing plans, instead giving you cash back for every purchase you make.
- 3% cash back on purchases from Amazon
- 2% cash back at restaurants, gas stations, and drugstores
- 1% cash back on every other purchase
- A $30 signup bonus when you’re approved for the card, in the form of an Amazon Gift Card
Amazon Prime members won’t receive any special benefits with this card.
You can use the cash back you earn to directly pay for purchases at Amazon, or you can redeem them through Chase as a statement credit to your account, for gift cards, or for travel.
These two cards are quite different, so be clear on the rewards you’ll get with each:
|Amazon Store Card||Amazon Rewards Visa|
If you’re already an Amazon Prime member, you’ll probably be better off with the basic Store Card. If you don’t want to pay for the Prime membership, you’ll probably profit more from the Rewards Visa card.
Either way, if you already spend a lot of money at Amazon, these cards can either let you save every time you shop or help you pay off big purchases.
The Costs & Fees
|Card||Annual Fee||Regular APR||Regular Balance Transfer APR||Cash Advance APR||Foreign Transaction Fee|
|Amazon Store Card||$0||26.24% *Variable||N/A||N/A||N/A|
|Amazon Rewards Visa||$0||14.49%-22.49% *Variable||14.49%-22.49% *Variable||25.24% (Variable)||3%|
|Card||Penalty APR||Late Fee||Returned Payment Fee|
|Amazon Store Card||None||Up to $35||N/A|
|Amazon Rewards Visa||None||Up to $37||Up to $37|
Neither of these cards have an annual fee, but neither has a 0% introductory interest rate either.
Take note of the high APR on the Store Card, as well as the interest rate range of the Rewards Visa. You’ll want to pay your balance in full to avoid any heavy interest payments, which will quickly eat up your savings.
You’ll only be able to use the Store Card for purchases at Amazon – no balance transfers or cash advances. The Rewards Visa allows these features.
The Bottom Line: 3 & 4 Stars out of 5
Frequent Amazon shoppers are missing out if they’re not taking advantage of the credit cards and other opportunities available.
If you’re already an Amazon Prime member, you’re getting free shipping and other benefits. Why not apply for the Amazon Store Card and get 5% cash back on all those purchases too? Just be sure to pay off your balance in full every month (preferably before the statement closing date) to avoid interest payments, which would basically negate that 5% discount.
You’ll also have access to the special financing deals with the Store Card, which will let you pay off large purchases over time at no interest if you need to. This can come in handy around the holidays.
If you don’t want to pay the yearly $99 for Amazon Prime, the Amazon Rewards Visa might be a better choice. You’ll get that 3% cash back when you shop at Amazon, and you can use the card elsewhere too if necessary.
Neither card has an annual fee, so as long as you use them responsibly and avoid interest they’ll lighten the load on your digital wallet.
We gave the Amazon Store Card 3 out of 5 Stars because it’s a pretty basic card. When you’re not making use of a financing deal, which is only available on expensive purchases, your APR will be pretty high. You’ll also need to be an Amazon Prime member to get the 5% back, which has its own annual fee (though this is usually worth the cost if you’re a frequent Amazon shopper).
The Amazon Rewards Visa gets 4 out of 5 Stars because you’ll be able to earn 3% back at Amazon whether or not you’re a Prime member, and it’s useful for other purchases too. It doesn’t get more stars because it’s fairly simple, lacking many extra benefits that you find on other reward cards.
Was this review helpful to you? Go ahead and share it with a friend! And if you use one of these cards, click to leave your own review of the Amazon Store Card or the Amazon Rewards Visa, we’d love to hear from you!