| Category | Rate | Type | Cap |
|---|---|---|---|
|
Amazon.com and Whole Foods Market
2% back on eligible purchases at Amazon.com and Whole Foods Market (via In-Store Code in the Amazon Shopping or Whole Foods Market app) for cardholders with an eligible Amazon Prime membership. Amazon Pay purchases are not eligible to earn rewards points.
|
2x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Credit Bureau Reporting (All Three Major Bureaus)
Synchrony Bank reports account activity — including payment history and credit utilization — to Experian, Equifax, and TransUnion every month, enabling cardholders to build or rebuild their credit profile.
|
Financial | Monthly reporting to all 3 bureaus |
|
Equal Monthly Payments Financing
Cardholders can pay for qualifying Amazon purchases in 0% APR equal monthly installments. This is the only promotional financing option available for new purchases as of February 16, 2026; deferred interest special financing has been discontinued.
|
Financial | 0% APR installment financing |
|
Low Fixed Purchase APR (Secured Card Features)
The Secured Card features carry a fixed non-variable purchase APR of 10%, significantly below the industry average for secured and store credit cards.
|
Financial | 10% fixed APR |
|
Low Late Payment Fee
The maximum late payment fee under the Secured Card features is $5, which is substantially lower than the industry standard late fee of up to $40.
|
Financial |
Max $5 late fee
Up to $5
|
|
No Annual Fee
The Amazon Prime Secured Card charges no annual fee, making it cost-effective to hold while building credit.
|
Financial |
$0 annual fee
Up to $0
|
|
Refundable Security Deposit
The required security deposit of $100–$1,000 (in $50 increments) is fully refundable upon account closure in good standing or upon conversion to the unsecured Amazon Store Card features after 12 months.
|
Financial | $100–$1,000 refundable |
|
Upgrade Path to Unsecured Amazon Store Card
After 12 months of responsible account use, Synchrony Bank reviews eligibility to convert the account to the unsecured Amazon Store Card features, which returns the security deposit and provides access to 5% back rewards (with Prime membership) and a higher credit limit without a deposit requirement.
|
Financial | Complimentary upgrade evaluation |
|
Credit Education Resource Center
Cardholders have access to the Credit Education Resource Center powered by TransUnion, which provides educational tools, guidance, and tips to help users understand and improve their credit.
|
Lifestyle | Complimentary |
|
TransUnion CreditView™ Dashboard Access
Cardholders receive complimentary access to the TransUnion CreditView™ Dashboard, which provides a free VantageScore credit score, a credit score simulator to model how financial actions may impact the score, and fraud alerts.
|
Lifestyle | Complimentary |
|
2% Cash Back on Amazon Purchases (Prime Members)
Prime Secured Cardholders with an eligible Amazon Prime membership earn 2% back in rewards points on eligible purchases at Amazon.com and Whole Foods Market. Rewards points are credited within 3 days, but in some cases up to two billing cycles.
|
Rewards | 2% cash back |
|
Limited-Time Prime Card Bonus Promotions
Amazon periodically offers elevated rewards rates on select product categories (e.g., 10% back on electronics or PC products) for Amazon Prime Secured Cardholders with an eligible Prime membership. These promotions stack on the base 2% earn rate and are announced on Amazon.com.
|
Rewards | Varies by promotion |
|
Rewards Redemption via Shop with Points
Earned rewards points can be redeemed at Amazon.com checkout through the Shop with Points program, or in-store at Whole Foods Market using the Amazon In-Store Code in the Amazon Shopping or Whole Foods Market app. Each point is worth $0.01 at redemption.
|
Rewards | 1 cent per point |
|
Zero Fraud Liability
Cardholders are not responsible for unauthorized purchases made with their card, provided they report unauthorized charges promptly to Synchrony Bank.
|
Security |
$0 liability
Up to $0
|
