• Amazon.com Store Card
    Amazon Store Card products
    One easy application to find the best card for you
    $10 Amazon.com Gift Card
    upon account opening1
    Submit one application to see which card you qualify for
    Shipping to a new address?
    Update your Address Book before applying.*
    $10 Amazon.com
    Gift Card
    upon account opening1
    Prime cardholders can earn
    5% back
    at Amazon.com8
    Access to
    promotional
    financing9
    No annual fee10
    Compare cards
    If approved, Synchrony Bank may provide you with one of the credit cards below, based on its underwriting criteria.
    Amazon.com Store Card
    Amazon.com Store Card
    Amazon Store Card Credit Builder
    Amazon.com Store Card Credit Builder
    Same great benefits
    Access to promotional financing9
    Learn more
    No annual fee10
    How the cards work
    Start shopping instantly upon approval Start shopping in 7-14 days when your security deposit is processed
    No security deposit required A minimum security deposit of $100 is required.
    Your deposit amount is your credit limit.
    Access to free credit score monitoring
    Access to free credit score simulator tool
    Learn more
    Access to free credit score simulator tool is not available for Amazon.com Store Card
    Path to upgrade
    Path to upgrade is not available for Amazon.com Store Card
    We will automatically evaluate an account for an upgrade to the Amazon.com Store Card starting in as little as 7 months.*
    Join Prime and earn 5% back
    every day
    Amazon.com Store Cardholders who join Prime are
    automatically upgraded to the Amazon Prime Store Card.
    Amazon Prime Store Cardholders can earn 5% back
    on Amazon.com purchases.
    Amazon Prime Store Card 5% Back
    Amazon.com Store Card Enjoy Shopping
    One easy application to find the best card for you
    $10 Amazon.com Gift Card upon account opening1


    *Note: To immediately use your card to place an order to an address that is not currently on your Amazon.com account, please add the address to your Amazon.com account before applying for the Amazon.com Store Card. To add an address, visit the Address Book.

    IMPORTANT DETAILS ABOUT THE AMAZON.COM STORE CARD, AMAZON PRIME STORE CARD, AMAZON.COM STORE CARD CREDIT BUILDER AND AMAZON PRIME STORE CARD CREDIT BUILDER OFFERS AND BENEFITS

    The Amazon.com Store Card and the Amazon Prime Store Card (“Amazon Store Card”) and the Amazon.com Store Card Credit Builder and Amazon Prime Store Card Credit Builder (“Amazon Credit Builder”) are issued by Synchrony Bank. If you have questions about the Amazon Store Card or Amazon Credit Builder, call 1-855-597-4891, available 24 hours a day. The Amazon.com Store Card and Amazon Credit Builder may be used for most purchases at Amazon.com, select physical Amazon stores that accept the Amazon.com Store Card or the Amazon Credit Builder as a payment option (See About Amazon.com Store Card and Amazon Credit Builder Restrictions for a complete list of exceptions) and for purchases from other merchants who have enabled the Amazon.com Store Card and the Amazon Credit Builder as a payment option using Pay With Amazon.

    1. Limited Time Offer Details. In the case of the Amazon.com Store Card or Amazon Prime Store Card, an Amazon.com Gift Card with the value described above will be loaded into your Amazon.com account upon approval of your application. In the case of the Amazon.com Store Card Credit Builder Card or Amazon Prime Credit Builder Card, an Amazon.com Gift Card with the value described above will be loaded into your Amazon.com account once Synchrony Bank has received your security deposit and activated your card account. Amazon.com Gift Cards are issued by ACI Gift Cards, Inc., a Washington Company. See Amazon.com Gift Card Terms and Conditions for complete terms and conditions.

    2. The Amazon.com Store Card. The Amazon.com Store Card is available to customers with an Amazon.com account, subject to credit approval. Promotional Financing (that is, Special Financing and Equal Pay) offers may apply to purchases made using the Amazon.com Store Card. The 5% back benefit may apply to purchases (less returns and other credits) made using the Amazon.com Store Card when signed into an Amazon.com account with an Eligible Amazon Prime Membership, including 1-Click orders and purchases made at physical Amazon locations (in each case, where 5% back is selected as the default option or where Promotional Financing is selected as the default option but is not available for the particular purchase), and made on or after 3/16/15.

    3. The Amazon Prime Store Card. The Amazon Prime Store Card, an upgrade from the Amazon.com Store Card, is available to customers with an Eligible Amazon Prime Membership only, subject to credit approval. Promotional Financing offers may apply to purchases made using the Amazon Prime Store Card. The 5% back benefit may apply to purchases (less returns and other credits) made using the Amazon Prime Store Card (i) when signed into an Amazon.com account of a customer with an Eligible Amazon Prime Membership; or (ii) when signed into any Amazon.com account so long as the cardholder maintains their Eligible Amazon Prime Membership on the Amazon.com account from which they originally applied for the Amazon.com Store Card, in each case including 1-Click orders and purchases made at physical Amazon locations (in each case, where 5% back is selected as the default option or where Promotional Financing is selected as the default option but is not available for the particular purchase), and made on or after 3/16/15.

    4. The Amazon.com Store Card Credit Builder. The Amazon.com Store Card Credit Builder is available to customers with an Amazon.com account, subject to credit approval. Promotional Financing (that is, Special Financing and Equal Pay) offers may apply to purchases made using the Amazon.com Store Card Credit Builder. The 5% back benefit may apply to purchases (less returns and other credits) made using the Amazon.com Store Card Credit Builder when signed into an Amazon.com account with an Eligible Amazon Prime Membership, including 1-Click orders and purchases made at physical Amazon locations (in each case, where 5% back is selected as the default option or where Promotional Financing is selected as the default option but is not available for the particular purchase). Synchrony Bank will automatically evaluate Amazon.com Store Card Credit Builder accounts for an upgrade to the Amazon.com Store Card starting in as little as 7 months after an account is opened. Upgrades are subject to credit approval. Some criteria used to determine if an account is eligible for an upgrade to the Amazon.com Store Card include whether the cardholder:
    • Makes 7 consecutive on-time payments on their Amazon.com Store Card Credit Builder account over 12 months
    • Has a credit file with no recent bankruptcy, foreclosure, repossession or delinquency events
    • Has a credit score which meets Synchrony’s underwriting criteria

    5. The Amazon Prime Store Card Credit Builder. The Amazon Prime Store Card Credit Builder, an upgrade from the Amazon.com Store Card Credit Builder, is available to customers with an Eligible Amazon Prime Membership only, subject to credit approval. Promotional Financing offers may apply to purchases made using the Amazon Prime Store Card Credit Builder. The 5% back benefit may apply to purchases (less returns and other credits) made using the Amazon Prime Store Card Credit Builder (i) when signed into an Amazon.com account of a customer with an Eligible Amazon Prime Membership; or (ii) when signed into any Amazon.com account so long as the cardholder maintains their Eligible Amazon Prime Membership on the Amazon.com account from which they originally applied for the Amazon.com Store Card Credit Builder, in each case including 1-Click orders and purchases made at physical Amazon locations (in each case, where 5% back is selected as the default option or where Promotional Financing is selected as the default option but is not available for the particular purchase). Synchrony Bank will automatically evaluate Amazon Prime Store Card Credit Builder accounts for an upgrade to the Amazon Prime Store Card starting in as little as 7 months after an account is opened. Upgrades are subject to credit approval. Some criteria used to determine if an account is eligible for an upgrade to the Amazon Prime Store Card include whether the cardholder:
    • Makes 7 consecutive on-time payments on their Amazon.com Store Card Credit Builder account over 12 months
    • Has a credit file with no recent bankruptcy, foreclosure, repossession or delinquency events
    • Has a credit score which meets Synchrony’s underwriting criteria

    6. Upgrading from the Amazon.com Store Card to the Amazon Prime Store Card and from the Amazon.com Store Card Credit Builder to the Amazon Prime Store Card Credit Builder. At the time you become both (i) a cardholder of an Amazon.com Store Card or Amazon.com Store Card Credit Builder and (ii) a customer with an Eligible Amazon Prime Membership, you will automatically be upgraded respectively to the Amazon Prime Store Card or the Amazon Prime Store Card Credit Builder. However, if you satisfied the criteria in both (i) and (ii) above on 3/1/15 and continue to do so today, you may need to visit www.1695090.com/storecard and click ‘Upgrade Now’ to upgrade to the Amazon Prime Store Card. “Eligible Amazon Prime Memberships” only apply to Amazon.com accounts (and not accounts on any other affiliated websites outside the U.S.) and may include, in Amazon’s sole discretion: annual and monthly Amazon Prime subscriptions and members of their Amazon Household (excluding Amazon Prime Video and invited guests of an Amazon Prime account), Amazon Prime Fresh, Amazon Family, Amazon Prime Student and trial memberships of Amazon Prime. The Amazon Prime Store Card and the Amazon Prime Store Card Credit Builder are governed respectively by the same Synchrony Bank terms and privacy policy as the Amazon.com Store Card and the Amazon Prime Store Card Credit Builder. Your Amazon Prime Store Card or Amazon Prime Store Card Credit Builder will be changed respectively back to an Amazon.com Store Card or Amazon.com Store Card Credit Builder if you cease to be a customer with an Eligible Amazon Prime Membership.

    7. Important information about your benefits and offers. To view or adjust your default option between 5% back and Promotional Financing, visit www.1695090.com/storecard, sign in to ‘Your Account’ (if not already signed in), and select the radio button for your desired option. Your default option will also be applied to your 1-Click orders and purchases made at physical Amazon locations. If your default option is Promotional Financing and Promotional Financing is not available for a specific purchase, then the 5% back benefit will apply. The 5% back benefit cannot be combined with any Promotional Financing offer. You will have the option to apply the 5% back benefit (if available) or the best available Promotional Financing offer(s) displayed during checkout to your purchase. If your default option is Promotional Financing and both Special Financing and Equal Pay offers are available on your purchase, then the Special Financing offer with the longest duration will be pre-selected. If no change is made during the checkout process, this pre-selected offer will be applied to your purchase.

    8. 5% Back Benefit: Get 5% back. All purchases (less returns and other credits) to which the 5% back benefit applies will result in your receiving rewards points equal to 5% of such purchases on your Amazon.com Store Card or Amazon Credit Builder account, except as provided below. We may, from time to time at our discretion, supplement the 5% back benefit by offering bonus rewards points for certain purchases. In such cases, the total rewards points offered for such purchases will be noted on the relevant product page or during checkout, and this section will apply to the 5% back benefit inclusive of any bonus rewards points. You may see rewards points referred to simply as rewards and reflected as a dollar balance (versus a points balance), with $1 of rewards being equivalent to 1 rewards point. You may redeem your rewards points for eligible purchases at Amazon.com. Alternatively, you may also elect to either (a) redeem your rewards points as a one-time statement credit or (b) automatically redeem your available rewards points balance as a statement credit at the end of each subsequent billing cycle, in each case by visiting your Synchrony Bank online account management page (www.syncbank.com/amazon) or by directly contacting Synchrony Bank. Your Amazon.com Store Card or Amazon Credit Builder account must be open and in good standing to redeem rewards points and at the time any statement credit is posted to your account. If your Amazon.com Store Card or Amazon Credit Builder account is closed, you will forfeit any unredeemed rewards points. Please allow up to two billing cycles (a) for your earned rewards points to be credited to your Amazon.com Store Card or Amazon Credit Builder account and (b) if you elect to redeem your rewards points as a statement credit, for such statement credit to be applied to your account. If you return a purchase made with rewards points, allow up to 5 days for the value of the rewards points redeemed to be credited back to your account. The 5% back benefit cannot be combined with any Special Financing or Equal Pay offer; you will have the option to apply any available Special Financing or Equal Pay offer or the 5% back benefit to your purchase. If no selection is made during the checkout process, your default option will be applied to your purchase, provided such default option is available. The 5% back benefit is the default option for all purchases of less than $149. We reserve the right to remove any person from the 5% back benefit in the event of any fraud or abuse in connection with the benefit. We reserve the right to discontinue or alter the terms of the 5% back benefit at any time.

    9. PROMOTIONAL FINANCING: Offers are subject to credit approval. For new Amazon.com Store Card, Amazon Prime Store Card, Amazon.com Store Card Credit Builder or Amazon Prime Store Card Credit Builder accounts, standard variable purchase APR is 28.24%. Minimum interest charge is $1.50. The APR is accurate as of 1/30/2019 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Existing cardholders should see their credit card agreement for their applicable terms. Promotional Financing is unavailable on purchases of less than $149. We reserve the right to make Promotional Financing unavailable on any purchase at any time in our sole discretion; in such cases, and if Promotional Financing would otherwise have been available, we will notify you of such unavailability prior to or during checkout. We reserve the right to discontinue or alter the Promotional Financing terms at any time.

    Special Financing Offers: No interest if paid in full within 6, 12 or 24 months.
    • 6 months offer applies to purchases between $149 and $598.99;
    • 12 months offer applies to purchases of $599 or more; and
    • 24 months offer applies to select Amazon.com purchases of $799 or more.
    Interest will be charged to your Amazon.com Store Card or Amazon Credit Builder account from the purchase date if the promotional balance is not paid in full within 6, 12 or 24 months respectively. No interest will be assessed on the promotional balance if you pay the promotional balance in full within the applicable promotional period. If you do not, interest will be assessed on the promotional balance from the date of the purchase. Promotional balance includes the purchase amount, taxes, shipping charges and any optional debt cancellation charges related to the relevant purchase. The subtotal, which excludes shipping, handling and taxes, is used in determining whether the applicable minimum purchase amounts shown above have been met, unless using Pay With Amazon, in which case the total order, which includes shipping, handling and taxes less any discounts, is used. If products are eligible for 24 months Special Financing, such designation will be noted during checkout. Special Financing offers cannot be combined with any Equal Pay offer or the 5% back benefit. Your first Subscribe and Save order is eligible for Special Financing offers; subsequent Subscribe and Save orders are not. Depending on purchase amount, promotion length, and payment allocation, the required minimum monthly payments may or may not pay off the purchase by end of promotional period. Regular account terms apply to non-promotional purchases and, after this special financing promotion ends, to promotional purchases.

    Equal Pay Offer: Pay for your purchase of eligible products with equal monthly payments and 0% APR until paid in full. If products are eligible for an Equal Pay offer, such eligibility, together with the designated number of equal monthly payments, will be noted during checkout. The Equal Pay offer will apply to the qualifying product, and all other items in the same order, when payment is made using an Amazon.com Store Card, Amazon Prime Store Card, Amazon.com Store Card Credit Builder or Amazon Prime Store Card Credit Builder accounts. No interest will be charged on the promotional purchase balance (which includes the purchase amount, taxes, shipping charges and any optional debt cancellation charges related to the relevant purchase) and equal monthly payments are required in the amount of the total initial promotional purchase (including the purchase amount, taxes and shipping charges) divided by the designated number of equal monthly payments, until the promotional balance is paid in full. Optional debt cancellation charges will not be included in the calculation of the equal monthly payment, but such charges may require you to make payments for additional months. The equal monthly payment may be higher or lower than the minimum payment that would be required if the purchase was a non-promotional purchase. The equal monthly payment calculated will not be increased, but may be included in the minimum amount otherwise due on your account or will be added to your minimum payment for other balances on your account. Equal Pay is not available on 1-Click orders or purchases made at physical Amazon locations. Equal Pay offers cannot be combined with any Special Financing offer or the 5% back benefit. Subscribe and Save orders are not eligible for Equal Pay offers. A monthly payment, if shown in advertising, should allow you to pay off the qualifying purchase (excluding taxes, shipping charges, or optional debt cancellation charges) within the promotional period if: (1) the purchase is and will be the only balance on the account during the promotional period (this means that you do not incur any additional fees or charges on your account and no other items are purchased with this order), (2) you make the payment by the due date each month, and (3) the purchase is subject to the Equal Pay offer. Taxes and shipping charges on this order will require you to make a higher monthly payment than shown. The monthly payment calculated for each Equal Pay Offer will be added to your minimum payment for other balances on your account, but will not apply if you do not select the Equal Pay Offer advertised. Amazon may designate any product as eligible for an Equal Pay offer, and may designate the number of equal monthly payments associated with such Equal Pay offer, in its sole discretion.

    10. No Annual Fee. There is no annual fee associated with an Amazon.com Store Card or Amazon Credit Builder account. See the APR for new accounts at the beginning of the Promotional Financing section above.

    11. Zero Fraud Liability. You will not be held liable in the event of unauthorized use. You agree that unauthorized use does not include use by a person to whom you have given authority to use your Amazon.com Store Card or Amazon Credit Builder account and that you will be liable for all use by such a person.


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