One of the Amazon credit card may be the best option for you. There are several options so you can choose one of the options that most catches your eye.
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Therefore, before choosing your amazon credit card, you must understand what types are available, the benefits that each one offers. In addition to knowing how they work, the fees, the limits.
This way, you will find out which amazon credit card is right for you. In addition to understanding exactly how to request and make the most of the bonuses, cashback and facilities that only the Amazon ecosystem can offer.
Are Amazon cards reliable?
Yes, Amazon cards can be considered reliable. Mainly because of the financial strength of the card issuers, which are Chase and Synchrony.
Regarding customer satisfaction, know that the ACSI index produced by the American Customer Satisfaction Index is 83/100 in 2024. Thus reflecting a positive image of Amazon. It is worth noting that this index is not specifically about cards.
Complaints filed with the Consumer Financial Protection Bureau (CFPB) point to issues that deserve attention. Some highlights are:
- Credit limits considered low;
- Difficulties in increasing credit;
- Problems with customer service.
From the above, it is clear that Amazon cards are reliable. However, you should evaluate these variables before applying for the card to ensure that the card meets your financial needs.
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Best Amazon Credit Cards
Let’s now look at all the types of cards offered by Amazon, detailing their advantages and especially their disadvantages.
1. Amazon Visa (Amazon credit card)
If you usually shop on Amazon or the brand’s partners, Amazon Visa can be an excellent choice.
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First of all, Amazon Visa does not charge an annual fee. Now, the main attraction is the cashback system, where you can receive:
- 3% back on purchases made at Amazon.com, Amazon Fresh and Whole Foods Market;
- 3% on bookings made through Chase Travel.
- 2% cashback at restaurants, gas stations and public transport.
You will also have a welcome bonus, receiving a $150.00 gift card that you have access to right after the card is approved.
Furthermore, the standard APR varies between 19.49% and 28.24%. For balance transfers, the fee is 4%, with a minimum of US$ 5.
It is worth noting that this is not the only credit card on the market focused on receiving cash back. In fact, there are more interesting options, which is why we recommend that you check out credit cards with cashback rewards.
2. Prime Store Card
The Prime Store Card is an interesting option for those who already have an Amazon Prime subscription and shop on the website or at Whole Foods Market.
This is because the great advantage is in the return of 5% of the amount spent on these platforms, as long as the card is used with the specific code of the store.
In addition, when approved, you will receive an Amazon gift card worth US$ 80.00.
You also have the possibility of paying in installments purchases over US$ 150 made on Amazon in up to 24 months without charging interest.
The card does not charge an annual fee, which makes it more affordable, but its limitation of use only on Amazon and Whole Foods is a major drawback that you should consider.
In addition, it is mandatory to maintain an active Prime subscription to enjoy the benefits.
3. Prime Visa (Amazon credit card)
Prime Visa is another alternative for those who already have an Amazon Prime subscription and want to get advantages on purchases in the virtual store.
It also has 5% unlimited return on purchases at:
- Amazon.com;
- Amazon Fresh;
- Whole Foods Market;
- Reservations made through Chase Travel.
Shortly after approval, the holder receives a $150.00 gift card from Amazon. In addition, there are rotating bonuses where you will get up to 10% back in selected categories and products.
The card also guarantees 2% back on purchases at gas stations, restaurants and urban transport (including rides through apps). It also gets 1% on other purchases.
Although Prime Visa has no annual fee, it is important to remember that it is available exclusively to Amazon Prime subscribers, whose annual cost is $139.00 ($14.99 per month).
Another point to be considered is the interest rate, which varies between 19.49% and 28.24% per year, which is high compared to other alternatives in the market.
4. Amazon Secured Card
Amazon Secured Card is an option for those who are just starting to build credit or trying to recover from a negative history.
It works like a secured credit card, that is, it requires a security deposit as collateral. As a rule, this deposit defines the available credit limit.
Its benefit is the ease of approval, as even people with bad credit can get it.
In addition, there is no annual fee, reducing maintenance costs.
The regular interest rate is low for this type of card, set at 10.00% per year, which differentiates it from other cards for beginners that charge much higher fees.
On the other hand, it does not offer any kind of rewards, welcome bonuses, or introductory APR promotions.
Despite the absence of fees on cross-border transactions, Amazon Secured Card can only be used in Amazon.com, which greatly restricts its usefulness in everyday life.
Still, for those who are starting to organize their financial life and want to start or improve their credit score safely and with low risk, it fulfills its role well.
Conclusion (Amazon credit card)
Choosing an Amazon credit card is a good way to combine practicality, savings, and real benefits when shopping online.
As you can see, Amazon offers solutions that adapt both to those looking for greater rewards, and to those who need to build or rebuild their credit.
If you are a Prime subscriber and buy frequently on Amazon, Prime Visa and Prime Store cards offer cashback of up to 5% and attractive bonuses right on approval.
On the other hand, Amazon Visa is more versatile, ideal for those who want rewards on various types of spending without the obligation of Prime.
At the end of the day, the best Amazon credit card will be the one that matches your consumption profile, your financial goals, and your organization. Evaluate the benefits and fees well before applying, as each purchase can yield much more.