Amazon Store Card

Synchrony Pending

Back Apply Now

5

Benefits

2

Reward Categories

5x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: amazon-store-card

Issuer: Synchrony

Card Name: Amazon Store Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 18:41

Last Scraped: Feb 05, 2026 12:54

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Amazon.com Purchases (Prime) 5x Cash Back Purchases made on Amazon.com with an eligible Prime membership. No Cap
Amazon.com Purchases (Non-Prime) 3x Cash Back Purchases made on Amazon.com without an eligible Prime membership. No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 0x

Bonus Rate: 5x

Categories: Amazon.com purchases

Quarterly Rotating: No

Expiration Policy: Rewards do not expire as long as your account is open and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed) 5 Total
PENDING
Financial 1
No Annual Fee
$0

The Amazon Store Card has no annual fee.

Shopping 4
Instant Amazon Gift Card upon Approval
$10

Receive a $10 Amazon Gift Card instantly upon approval for the Amazon Store Card.

5% Back on Amazon.com Purchases (Prime Members)
5% back

Eligible Prime members earn 5% back (as rewards points) on purchases made at Amazon.com. Rewards points are automatically applied as a statement credit. Rewards points do not expire.

3% Back on Amazon.com Purchases (Non-Prime Members)
3% back

Non-Prime members earn 3% back (as rewards points) on purchases made at Amazon.com. Rewards points are automatically applied as a statement credit. Rewards points do not expire.

Special Financing Offers
Varies by offer

Access to special financing offers on eligible Amazon.com purchases. These offers allow cardholders to pay for purchases over time with deferred interest or promotional interest rates.

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

$60

Cash Back

Timing: instantly upon approval

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Min Interest Charge: $2.00
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%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ 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. Minimum monthly payments are required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Supported
Application Process
Available
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Amazon Store Card (Synchrony) in 2026 requires applicants to be 18 years or older (19 in AL/NE), a US resident with a valid SSN or ITIN, and an active Amazon account. Approval is subject to creditworthiness, typically requiring fair to good credit. The primary benefit for Prime members is 5% back on Amazon.com purchases, while non-Prime members primarily access special financing offers. Initial bonuses often include an Amazon Gift Card upon approval or a percentage off the first purchase.

Max Cards Per Issuer: 3

Min Spend Interval: N/A; initial bonuses are typically awarded upon approval or first purchase, not tied to a specific spend interval. If a spend-based bonus were introduced, it would likely be a short period, e.g., 3 months.

Shutdown Risk Triggers: High cumulative credit limit across Synchrony accounts, excessive credit seeking, missed payments, suspicious activity, abuse of promotional financing offers, or breach of terms of service.

Cliff Effect Rules: Not applicable; store cards typically operate independently of broader card family rules and do not have 'cliff effect' restrictions like general-purpose credit cards.

Special Events: Prime Day (typically July), Black Friday/Cyber Monday (November), other seasonal sales (e.g., Spring Sale, Holiday Dash), and exclusive cardholder offers (e.g., 0% APR on specific items, bonus rewards on certain categories).

Holiday Promos: Black Friday/Cyber Monday (late Nov-early Dec), Christmas/Holiday Shopping Season (Nov-Dec), New Year Sales (Jan), Valentine's Day (Feb), Mother's Day/Father's Day (May/June), Back to School (Aug/Sept).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.6 / 5.0

Top Positive:
Excellent rewards (5% back) for Prime members on Amazon purchases, no annual fee, and special financing offers. Often accessible for those with fair credit.

Top Negative:
Limited utility outside of Amazon, high standard APR, and potential issues with Synchrony customer service or deferred interest if special financing terms are not met.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Amazon Prime Rewards Visa Signature Card
  • Discover it Cash Back
  • Capital One QuicksilverOne Cash Rewards Credit Card

Card Value Score: 80.0 / 100

Est. Annual Rewards: $125.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0