Amazon Store Card
Basic Information
Program ID: amazon-store-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 18:41
Last Scraped: 01/15/2026 08:22
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
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: 2,124.00% - 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: $60.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: Typically applied instantly to your Amazon.com account upon approval.
Rewards Program
Reward Type: Cashback/Amazon Credit
Base Reward Rate: 0.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Amazon.com purchases (for Prime members)
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Rewards do not expire as long as your account is open and in good standing.
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
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: Eligibility: Applicants must be 18 years or older (19 in AL/NE), possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), have a U.S. physical address, and an active Amazon.com account. While store cards can be more lenient, good to excellent credit is generally preferred for approval and higher credit limits. Bonus Rule: Typically, a sign-up bonus is offered upon approval, often in the form of an Amazon Gift Card (e.g., $10-$100) or a percentage off the first purchase.
Maximum Cards Per Issuer: 6
Minimum Spend Interval: N/A (bonus typically upon approval or first purchase)
Shutdown Risk Triggers: Manufactured spending (less common for store cards), high cumulative credit limit across Synchrony accounts, excessive credit seeking (numerous applications in a short period), defaulting on payments, suspicious activity or fraud, abuse of promotional financing offers, extended periods of account inactivity.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.6 / 5.0
Top Positive Feedback:
Excellent for frequent Amazon shoppers, especially Prime members, offering 5% back on Amazon.com purchases and special financing options. Easy approval process.
Top Negative Feedback:
Limited use outside Amazon, high standard APR, and some users report issues with Synchrony customer service or account management.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Amazon Prime Rewards Visa Signature Card (Chase)
- Target RedCard
- Citi Custom Cash Card
Card Value Score: 80.0 / 100
Est. Annual Rewards: $150.00
User Portfolio Metrics
Avg Portfolio Size: 3 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