Amazon Prime Store Card

Synchrony Pending

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4

Benefits

1

Reward Categories

5x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: amazon-prime-store-card

Issuer: Synchrony

Card Name: Amazon Prime Store Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 18:42

Last Scraped: Feb 07, 2026 04:43

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 1 Categories
PENDING
Category Rate Type Description Annual Cap Status
Amazon.com Purchases 5x Cash Back Eligible purchases made at Amazon.com with an eligible Prime membership. Exclusions apply, such as purchases from merchants using Amazon Pay, Amazon Go, Amazon Fresh, Whole Foods Market, Amazon.com Gift Cards, wireless service plans, and certain third-party sellers. No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Bonus Rate: 5x

Categories: 5% back on Amazon.com purchases for eligible Prime members

Quarterly Rotating: No

Expiration Policy: Rewards are automatically applied to eligible purchases at Amazon.com or as a statement credit. Rewards do not expire as long as your account is open and in good standing.

Point Value: 0.01¢

Redemption Penalties: Choosing special financing on eligible purchases instead of earning rewards

Benefits & Protections (Detailed) 4 Total
PENDING
Cost Savings 1
No Annual Fee
No annual fee

The Amazon Prime Store Card does not charge an annual fee.

Financing 1
Special Financing Offers
On purchases of $150 or more

Access to special financing options on eligible purchases of $150 or more. Specific terms and conditions apply to these offers.

Rewards 1
5% Back on Amazon.com & Whole Foods Market
5% back

Earn 5% back on eligible purchases made at Amazon.com and Whole Foods Market. This benefit requires an eligible Prime membership.

Shopping 1
Exclusive Prime Cardmember Deals
Access to exclusive deals

Cardmembers with an eligible Prime membership gain access to exclusive deals and promotions specifically for Prime Store Cardholders.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
PENDING

$100

Cash Back

Timing: instantly upon approval

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 24 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6, 12, or 24 months or if you make a late payment. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: Eligibility requirements for the Amazon Prime Store Card (Synchrony) typically include being 18 years or older (19+ in AL/NE), possessing a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and having a U.S. mailing address. A generally good credit history is preferred, though Synchrony may approve applicants across a range of credit scores. For the 5% back benefit, an active Amazon Prime membership is mandatory. The card's primary bonus is often an Amazon Gift Card upon approval or first purchase. The ongoing reward is 5% back on eligible Amazon.com purchases for Prime members. This is a store-specific card, meaning it can only be used on Amazon.com and select Amazon-affiliated properties.

Max Cards Per Issuer: 6

Min Spend Interval: First purchase or 30 days if a spend-based bonus is offered; ongoing rewards have no spend interval.

Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, late payments or defaults on any Synchrony account, opening too many Synchrony accounts in a short period (application velocity), extended periods of account inactivity, suspicious activity on the linked Amazon account or card, breaching Amazon's or Synchrony's terms of service, and excessive returns or unusual purchasing patterns on Amazon.

Cliff Effect Rules: The primary 'cliff effect' for this card is the loss of an active Amazon Prime membership. Without Prime, the card's reward rate drops from 5% back to 0% (or standard non-Prime rewards), significantly diminishing its value proposition. While Synchrony does not have strict 'card family' rules like some other issuers, overall credit exposure across all Synchrony products is considered during application and credit limit reviews.

Special Events: Frequent special financing offers (e.g., 0% APR for 6, 12, or 24 months on qualifying purchases), limited-time bonus rewards (e.g., 6% back on specific categories or during certain promotional periods), and exclusive discounts on Amazon products, particularly during major sales events.

Holiday Promos: Actively participates in major Amazon sales events such as Prime Day, Black Friday, Cyber Monday, and other seasonal promotions (e.g., Holiday Deals, Spring Sale), often offering enhanced financing or bonus rewards during these times.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
High rewards (5% back) on Amazon purchases for Prime members, often easy approval for those building credit, and useful special financing offers on larger purchases. Seamless integration with Amazon checkout.

Top Negative:
High APR if balances are not paid in full, limited utility as it can only be used on Amazon.com, and some users report difficulties with Synchrony's customer service or understanding deferred interest terms.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Amazon Prime Rewards Visa Signature Card
  • Chase Freedom Unlimited
  • Discover it Cash Back

Card Value Score: 85.0 / 100

Est. Annual Rewards: $125.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0