Learn how to apply for the Amazon Store Card

If you're a Prime member, this card gives you 5% back at Amazon. Enjoy the benefits of being a loyal Amazon customer!

I’m interested in the Amazon Store Card credit card. What should I do?

Now that you have learned a little more about the Amazon Store Card and its benefits, it is time to apply for your card and start earning rewards when you shop at Amazon.

You will need to have Amazon Prime to take full advantage of the perks, like the 5% cash back. In this case, this card is a no-brainer.


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The 5% cash back is great for those who usually purchase a majority of their household goods on the website, or who are looking for more expensive items, such as electronics or video games.

When you are approved in the application process, you get a nice $10 Gift Card.

Another possibility of the Amazon Store Card is instead of receiving 5% back, you can choose a payment plan for certain purchases over $150. However, you need to do your math and take care not to miss your payments. Otherwise, what was initially a benefit of financing can become a problem in your financial life.

Regarding these options, my tip for you is: to make sure you will be able to pay off the purchase before the 0% interest period runs out. There is a threat to your financial stability called deferred interest.

What is deferred interest?

It is an interest that is silently being calculated in the background (typically at a rate of 20% or higher), but the interest is suspended, or deferred, until later. So, If the promotional period ends and you’ve paid in full — if your balance is zero — then you’re fine. You won’t be charged any interest. But if you still owe any money after the offer period expires, you’ll have to pay all the interest that’s been adding up from the day of the purchase.

This is why this benefit can turn into a problem. But, of course, this will only happen if you don’t plan well. So be sure to consider this financing benefit that is offered by the Amazon Store Card.

Who can apply for the Amazon Store Card?

Applying for the Amazon Store Card makes sense for anyone who frequently shops at Amazon, and even more so if you have Amazon Prime subscription. In this case, don’t even think twice.

You will have good approval odds if your credit score is above 650.

How to apply?

On Amazon’s website, you can see the card’s credit terms and if you prequalify.

Answer a few questions to see if you prequalify. This request doesn’t affect your credit bureau score.

Upon being prequalified, you can submit your credit card application without inputting any additional information. This may impact your credit bureau score.

Is it worth applying for the Amazon Store Card credit card?

Getting 5% cash back on a site where you shop frequently is definitely a good thing.

However, for you to enjoy this and other Amazon Store Card benefits, it is essential that you are a Prime member. Otherwise, you will find better rewards-focused credit card options.

But now that you know that, if you don’t have a Prime membership yet, how about having one?

Amazon Store Card vs Indigo Platinum Mastercard

You may have enjoyed learning about the Amazon Store Card but what you need at the moment is another type of credit card, one that is more focused on building or rebuilding credit.

That is why you should get to know Indigo Platinum Mastercard. Maybe it will be a first, firmer step on your path to financial stability. Check out some of the benefits of the Indigo Platinum Mastercard below.

Amazon Store Card pros:

  • 5% cash back for Prime members.
  • $0 fraud liability on unauthorized charges.
  • $0 annual fee.
  • Promotional financing offers.

Indigo Platinum Mastercard pros:

  • Card activity reported to credit agencies.
  • No security deposit is required.
  • $0 annual fee option for those who qualify.
  • 1% foreign transaction fee (a smaller percentage than the average for cards like this..
  • Easy to qualify.
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