Amazon Prime Store Card
Basic Information
Program ID: amazon-prime-store-card
Issuer: Synchrony
Card Type: Credit
Network: None
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 18:42
Last Scraped: 01/15/2026 08:24
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | N/A |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 0.00%
Sign-Up Bonus
Bonus Amount: $100.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: The Amazon.com Gift Card is typically loaded to your Amazon account immediately upon approval, usually within minutes.
Rewards Program
Reward Type: Cashback
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.05%
Bonus Categories: 5% back at Amazon.com (for Prime members)
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Cashback does not expire as long as account is active.
Transfer Partners: N/A
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the Amazon Prime Store Card (2026) requires applicants to be at least 18 years old (19 in Alabama and Nebraska), possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a U.S. mailing address. For the 5% back reward tier, an active Amazon Prime membership is mandatory. The card typically offers an Amazon Gift Card upon approval as a sign-up bonus, with no specific spend requirement for this initial bonus. Ongoing rewards include 5% back on eligible Amazon.com purchases for Prime members. Application approval is subject to Synchrony's creditworthiness assessment, generally favoring applicants with good to excellent credit.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: Immediate upon approval for typical bonus; 3 months for any potential future spend-based bonus.
Shutdown Risk Triggers: High cumulative credit limit across Synchrony accounts, excessive credit applications (credit seeking behavior), delinquent payments or default on any Synchrony account, suspicious or fraudulent activity, breach of Synchrony's or Amazon's terms of service, and unusual spending patterns inconsistent with typical consumer behavior.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
High rewards (5% back) on Amazon purchases for Prime members, no annual fee, and frequent special financing offers make it attractive for dedicated Amazon shoppers. Relatively easy approval for many.
Top Negative Feedback:
Limited utility outside of Amazon, high APR if balances are carried, and some users report issues with Synchrony customer service or credit limit increases. Not a general-purpose credit card.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Amazon Prime Rewards Visa Signature Card (Chase)
- Discover it Cash Back
- Citi Custom Cash Card
Card Value Score: 85.0 / 100
Est. Annual Rewards: $125.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0