Amazon Secured Card
Basic Information
Program ID: amazon-secured-card
Issuer: Synchrony
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 09:17
Last Scraped: 01/15/2026 09:45
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: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,599.00% - 2,999.00%
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: 2,999.00%
Sign-Up Bonus
Bonus Amount: $25.00
Spending Requirement: $1.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x Amazon.com & Whole Foods Market
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Cash back rewards do not expire as long as your account is open and in good standing.
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
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 580 - 669
Approval Odds Category: Fair
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The Amazon Secured Card from Synchrony is designed for individuals looking to build or rebuild their credit. It does not offer a traditional sign-up bonus. The primary benefit is ongoing rewards: 5% back on Amazon.com and Whole Foods Market purchases for Amazon Prime members, or 3% back for non-Prime members. Eligibility Requirements for 2026: 1. Must be 18 years or older. 2. Must be a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). 3. Requires a security deposit (typically a minimum of $100-$500, which determines the credit limit). 4. Subject to credit approval, though designed for those with limited or poor credit history. 5. Must have an active Amazon.com account. 6. An active Amazon Prime membership is required to qualify for the 5% back reward rate. 7. Synchrony may consider recent credit applications and existing Synchrony accounts when evaluating new applications.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: Not applicable for bonus spend; continuous responsible use is required for credit building and potential graduation to an unsecured card.
Shutdown Risk Triggers: Failure to make timely payments, fraudulent activity or suspected abuse of the card (e.g., excessive returns after earning rewards, unusual spending patterns), repeatedly exceeding the credit limit, providing inaccurate information on the application, or opening too many Synchrony accounts in a very short period signaling high credit seeking behavior.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Easy to get approved, helps build credit, no annual fee, earns rewards on Amazon purchases, clear upgrade path to unsecured Amazon card.
Top Negative Feedback:
Requires a security deposit, initial credit limit can be low, some users report issues with Synchrony customer service, not a 'true' credit card initially.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Amazon Prime Rewards Visa Signature Card
- Discover it Secured Credit Card
- Capital One Platinum Secured Credit Card
Card Value Score: 72.5 / 100
Est. Annual Rewards: $70.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 18 months
Store vs Co-brand: 60% Amazon/Cobrand / 40% General
Risk Assessment
Default Risk Group: High
Predicted Approval Probability: 95.0%
Terms Version Control
Version ID: v1.0