Amazon Secured Card

Synchrony Visa Pending

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7

Benefits

2

Reward Categories

2x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: amazon-secured-card

Issuer: Synchrony

Card Name: Amazon Secured Card

Card Type: Credit

Network: Visa

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 09:17

Last Scraped: Feb 07, 2026 05:44

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Amazon.com & Whole Foods Market 2x Cash Back Purchases made at Amazon.com and Whole Foods Market. No Cap
All Other Purchases 1x Cash Back All purchases not categorized as Amazon.com or Whole Foods Market. No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 1x

Bonus Rate: 2x

Categories: 2% back at Amazon.com, Amazon Fresh, and Whole Foods Market

Quarterly Rotating: No

Expiration Policy: Rewards don't expire as long as your account is open and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed) 7 Total
PENDING
Financial 4
No Annual Fee
$0 annual fee

There is no annual fee charged for maintaining the Amazon Secured Card account.

No Foreign Transaction Fees
0% foreign transaction fee

Cardmembers will not incur any fees for transactions made in foreign currencies or processed outside the United States.

Free FICO® Score Access
Free access

Cardmembers can access their FICO® Score for free, helping them monitor their credit-building progress.

Credit Building
Opportunity to build credit

The card is designed to help individuals build or rebuild their credit history by reporting account activity to major credit bureaus.

Security 1
Fraud Protection
Included

The card includes standard fraud protection measures to safeguard cardmembers against unauthorized transactions.

Shopping 2
Amazon & Whole Foods Rewards (Prime)
2% back

Earn 2% back as rewards points on eligible purchases at Amazon.com and Whole Foods Market when you have an eligible Prime membership. Rewards can be redeemed on Amazon.com.

Amazon & Whole Foods Rewards (Non-Prime)
1% back

Earn 1% back as rewards points on eligible purchases at Amazon.com and Whole Foods Market when you do not have an eligible Prime membership. Rewards can be redeemed on Amazon.com.

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
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
300 - 669
Very Good
Not specified
Application Process
Not specified
Not specified
Not specified
Issuer Rules & Policies
PENDING

Rules: The Amazon Secured Card is designed for individuals looking to build or rebuild credit. Eligibility requirements for 2026 include being at least 18 years old (19 in AL/NE), a U.S. resident, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and having an active bank account to fund the required security deposit (minimum $200). Approval is subject to a credit review, though the card is accessible to those with limited or no credit history. The card does not offer a traditional sign-up bonus. Instead, it provides ongoing rewards: eligible Prime members earn 2% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on travel & restaurants, plus 1% back on all other purchases. Non-Prime members earn 1% back on all purchases. Rewards are earned as Amazon points. The security deposit determines the credit limit, and responsible usage may lead to graduation to an unsecured Amazon card.

Max Cards Per Issuer: 1

Min Spend Interval: N/A for bonus spend; rewards earned on ongoing purchases.

Shutdown Risk Triggers: Late payments or default on the secured card, failure to maintain the security deposit or meet account terms, suspicious activity, fraud, or abuse of the rewards program (e.g., excessive returns, manufactured spending, though less common with low limits). High cumulative credit exposure across multiple Synchrony accounts relative to income/credit profile can also be a factor.

Cliff Effect Rules: Not applicable in the traditional sense of card family restrictions. The primary 'progression' is the potential graduation from a secured card to an unsecured Amazon card, which is a positive development based on responsible usage and credit improvement.

Special Events: Prime Day (typically July), Black Friday (late November), Cyber Monday (late November), Amazon's annual holiday sales events (e.g., 'Holiday Dash,' 'Early Black Friday Deals'), and other seasonal promotions specific to Amazon.

Holiday Promos: New Year's, Valentine's Day, Easter, Mother's Day, Father's Day, Memorial Day, 4th of July, Labor Day, Halloween, Thanksgiving, Christmas, and associated shopping periods throughout the year.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.9 / 5.0

Top Positive:
Easy to get approved, excellent for building credit, useful 2% back on Amazon purchases, no annual fee, reports to all major credit bureaus.

Top Negative:
Customer service can be difficult, credit limit increases are slow or require additional deposits, some users report issues with account management.

Approval Experience: 88.0 / 100

Recommended Alternatives
  • Discover it Secured Card
  • Capital One Platinum Secured Credit Card
  • OpenSky Secured Visa Credit Card

Card Value Score: 75.0 / 100

Est. Annual Rewards: $72.00

Approval Probability: 95.0%

Version Control
PENDING

Version ID: v1.0