Amazon is one of the most popular online retailers, offering a vast selection of products at competitive prices. For frequent Amazon shoppers, using an Amazon credit card after you apply can take your shopping experience to the next level through rewards, financing options, and other benefits tailored specifically for Amazon purchases.
How an Amazon Store Card Can Benefit You
Amazon offers two types of credit cards: The Amazon Prime Rewards Visa Signature Card and the Amazon Store Card. Both cards provide perks for loyal Amazon customers, but they differ in some key ways.
Amazon Store Card
The Amazon Store Card can only be used on Amazon and Whole Foods Market. With no annual fee, you still get:
- 5% back on all Amazon and Whole Foods purchases, with no cap on rewards
- 0% APR financing for 6-12 months on qualifying Amazon purchases over $50
- No foreign transaction fees
The Amazon Store Card is best suited for avid Amazon shoppers who don’t need rewards outside of Amazon. With responsible use, it can help you save a lot on Amazon purchases with rewards and financing deals.
Amazon Prime Rewards Visa Signature Card
The Amazon Prime Rewards Card is a Visa credit card usable anywhere Visa is accepted. As long as you have an eligible Prime membership, benefits include:
- 5% back at Amazon.com and Whole Foods Market
- 2% back at restaurants, gas stations and drugstores
- 1% back on all other purchases
- No annual fee
- No foreign transaction fees
This card amplifies your Prime membership perks and expands where you can maximize rewards. It’s ideal for frequent Amazon customers who also shop at other stores.
How to Avoid the Pitfalls of Amazon Credit Cards
While enticing in their rewards potential, Amazon credit cards do come with certain downsides to consider:
- They tempt overspending to chase rewards
- High interest rates kick in once 0% APR deals expire
- Late payments incur hefty penalty fees
The most common trap consumers fall into is running up card balances they struggle to pay off, thereby erasing any rewards benefit.
Some smart strategies to avoid such pitfalls include:
- Pay off balances in full each month
- Set spending limits tied to your budget
- Use autopay to avoid late fees
- Signup for account alerts to monitor activity
Simply spend within your means and pay on time consistently. This sustainable approach keeps Amazon cards rewarding long-term.
How to Make Payments on an Amazon Credit Card
Making on-time payments towards your Amazon credit card balance is important for avoiding interest charges and late fees.
Here is a step-by-step guide to making payments conveniently through multiple methods:
Pay Your Amazon Credit Card Bill Online
- Login your credit card account on the Amazon payments site.
- Locate the “Make a Payment” button prominently displayed when you first log in.
- Enter the payment amount and select a payment method such as bank account, debit card, or balance transfer.
- Review payment details carefully before submitting.
Once successfully processed, payments credit to your account immediately.
You Can Setup Automatic Payments
You can automate payments directly from a bank account by enrolling in autopay:
- Access the “My Account” section within your Amazon credit account.
- Choose “Manage Payment Settings”.
- Select the autopay option and link a bank account.
- Pick a payment date each month and confirm settings.
Autopay ensures you never miss a payment or pay late fees again!
For any Amazon credit card support needs, call the 24/7 customer service line at 1-888-247-4080. The dedicated team can help with statements, payments, reward redemptions and account maintenance.
How To Apply for an Amazon Credit Card
Amazon offers a Prime Rewards Visa Signature Card and an Amazon Store Card to meet different consumer needs.
Applying for either Amazon credit card is easy and straightforward online.
Here is how to submit an application in just a few quick steps:
- Visit the Amazon Credit Card Application Page.
- Select either the Visa Signature Card or Store Card option.
- Click the “Apply Now” button for your desired card.
- Provide personal information such as:
- Name
- Address
- Date of birth
- Social security number
- Enter financial details including:
- Income
- Housing payment
- Existing credit card balances
- Accept the credit agreement terms and conditions.
- Verify all details entered accurately before submitting.
The application decision is generally instant after submission. If approved, you can begin using your new Amazon credit card immediately for purchases and rewards.
The consumer credit team is available 24/7 at 1-888-247-4080 to assist with any questions or issues related to Amazon card applications.
For optimal approval odds, check your credit report ahead of time and correct any errors. Maintaining a FICO score over 670 typically meets minimum requirements.
Checking Your Amazon Credit Card Application Status
If you’ve applied for an Amazon credit card and want to check the status, there are a couple ways to do so:
- Wait for a response by mail from the issuer, Chase bank. This letter will confirm if you’ve been approved or declined.
- Call the 24/7 Amazon Credit Card Customer Service at 1-888-247-4080. When prompted, speak to a representative who can pull up and relay the real-time status of your pending application.
Tips to Activate Your New Amazon Credit Card
Once approved, activate your new Amazon Visa card by calling the number on the activation sticker on the front of your card. Alternatively, you can activate by:
- Logging into your new credit card account online
- Going through authentication prompts to activate
- Setting your personalized credit limit and other preferences
How to Login Into Your Amazon Credit Account Online
To log into your Amazon Credit Card Account:
- Go to Chase.com
- Click on “Log In” and enter your username and password
- Select Credit Cards from menu
- Access account details and statements
Tips to Recovering Amazon Credit Card Login Credentials
If you forgot your account username or password:
- Click the “Forgot username” or “Forgot password” link on Chase login page.
- Answer security prompts to verify identity.
- Enter email or phone number associated with the account.
- Receive temporary code to reset credentials instantly.
Alternatively, call 1-888-247-4080 and a customer representative can email you login details after confirming your identity through security questions.
Conclusion on How to Apply for an Amazon Credit Card
For devoted Amazon devotees, specialty Amazon credit cards can unlock noteworthy savings through personalized rewards programs, Prime-member deals, and financing options. Rewards compound dramatically for big families that spend thousands at Amazon annually.
Even those who shop Amazon only sporadically can benefit. Just be sure to pay balances off in full.
Take time to review the unique perks of the Amazon Store Card versus the Amazon Prime Rewards Visa before applying to determine the better fit based on your spending activity across merchants.
Stay disciplined, spend smart, pay on time, and an Amazon credit card tailored to your shopping habits can equate to meaningful money saved year after year.
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