| Category | Rate | Type | Cap |
|---|---|---|---|
|
Amazon Purchases (Prime Members)
5% back on eligible purchases at Amazon.com, Whole Foods Market (via In-Store Code), and other Amazon-owned or affiliated locations. Requires an active Amazon Prime membership.
|
5x | Cash Back | No cap |
|
Amazon Purchases (Non-Prime Members)
No rewards are earned on any purchases without an eligible Amazon Prime membership. Card earns 0% back on all purchases for non-Prime cardholders.
|
0x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Instant Amazon Gift Card Upon Approval
Upon approval of a Store Card application, an Amazon Gift Card is automatically and instantly loaded into the cardholder's Amazon wallet. The gift card is awarded only once to new cardmembers at the time of approval.
|
Credits |
Instant Amazon Gift Card
Up to $10
|
|
Credit Bureau Reporting
Synchrony Bank reports account activity monthly to all three major credit bureaus (Experian, Equifax, TransUnion), enabling cardholders to build or maintain their credit history with responsible use.
|
Financial | Monthly reporting to all 3 bureaus |
|
Equal Monthly Payment Financing
Cardholders can split qualifying Amazon purchases into equal monthly payments at 0% APR over the financing period, provided each payment is made on time and in full. Available on purchases of $50 or more: 6 months for $50–$599.99, 12 months for $600 or more.
|
Financial | 0% APR financing |
|
No Annual Fee
The Amazon Store Card carries no annual fee for the life of the account.
|
Financial |
$0 annual fee
Up to $0
|
|
Prequalification Without Hard Inquiry
Applicants can check if they prequalify for the Amazon Store Card without impacting their credit score. A hard inquiry is only performed upon formal application submission.
|
Financial | Complimentary |
|
5% Back at Whole Foods Market (Prime Members)
Prime members earn 5% back on purchases at participating Whole Foods Market locations when paying via the Amazon In-Store Code on the Amazon Shopping app or Whole Foods Market app. Physical card not accepted in-store at Whole Foods.
|
Rewards | 5% cash back |
|
5% Back on Amazon Purchases (Prime Members)
Amazon Prime members earn 5% 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.
|
Rewards | 5% 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
|
|
Alexa Account Management
Cardholders with an Alexa-enabled device can check their Amazon Store Card balance by enabling the Store Card skill, providing a convenient hands-free account management option.
|
Shopping | Complimentary |
|
Amazon Pay Acceptance
The card can be used for purchases from third-party merchants who have enabled Amazon Store Card as a payment option through Amazon Pay, extending usability beyond Amazon-owned properties.
|
Shopping | Complimentary |
