| Category | Rate | Type | Cap |
|---|---|---|---|
|
Amazon Purchases (Prime Members)
2% back on eligible purchases at Amazon.com, Amazon Books, and other Amazon-owned or affiliated locations that accept the card. Requires an active Amazon Prime membership.
|
2x | Cash Back | No cap |
|
All Other Purchases (Non-Prime Members)
No rewards are earned on any purchases without an eligible Amazon Prime membership.
|
0x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Credit Bureau Reporting
Synchrony Bank reports account activity monthly to all three major credit bureaus (Experian, Equifax, TransUnion), enabling cardholders to build or rebuild their credit history with responsible use.
|
Financial | Monthly reporting to all 3 bureaus |
|
Low Fixed Purchase APR
The Secured Card features carry a fixed non-variable purchase APR of 10%, which is significantly lower than most secured cards on the market that typically charge 20–29% variable APR.
|
Financial | 10% fixed APR |
|
Low Late Fee
The maximum late payment fee under the Secured Card features is $5, far below the industry standard of up to $40.
|
Financial |
$5 maximum late fee
Up to $5
|
|
No Annual Fee
The Amazon Secured Card carries no annual fee for the life of the account under either the Secured Card or Store Card features.
|
Financial |
$0 annual fee
Up to $0
|
|
Refundable Security Deposit
The required security deposit (equal to the cardholder's credit limit, minimum $100) is fully refundable upon account closure in good standing or upon conversion to the Store Card features after 12 months.
|
Financial | $100–$1,000 refundable deposit |
|
Upgrade Path to Amazon Store Card
After 12 months of responsible use, eligible accountholders may opt in to convert to the unsecured Amazon Store Card features, which eliminates the deposit requirement and increases the rewards rate to 5% back for Prime members.
|
Financial | Complimentary upgrade eligibility |
|
2% Back on Amazon Purchases (Prime Members)
Amazon Prime members earn 2% back on eligible purchases at Amazon.com, Amazon Books, and other Amazon-owned or affiliated locations that accept the card. Non-Prime members earn no rewards.
|
Rewards | 2% cash back |
|
Zero Fraud Liability
Cardholders are not held responsible for unauthorized purchases made with their account, subject to Synchrony Bank's fraud liability policies.
|
Security |
$0 liability
Up to $0
|
|
Amazon Pay Acceptance
The card can be used for purchases from third-party merchants who have enabled Amazon Secured Card as a payment option through Amazon Pay, extending usability beyond Amazon-owned properties.
|
Shopping | Complimentary |
|
Whole Foods Market In-Store Acceptance
Cardholders can use the Amazon Secured Card at participating Whole Foods Market stores via the Amazon In-Store Code on the Amazon Shopping or Whole Foods Market mobile app. Physical card is not accepted in-store at Whole Foods.
|
Shopping | Complimentary |
