The Amazon Credit Card is quickly becoming one of the most sought-after options for online shoppers and frequent Amazon users. However, while the rewards are appealing, getting approved isn’t automatic. Many applicants are denied due to easily avoidable issues — lack of preparation, poor timing, or misunderstanding the process.
In this complete guide, we’ll cover the lesser-known advantages, the exact requirements to qualify, and expert tips to boost your chances of being approved quickly. Whether you’re applying for the Amazon Prime Rewards Visa or the Amazon Store Card, this guide is your shortcut to a smoother application.
Additional Benefits You Might Have Missed
Beyond the core cashback and no annual fee benefits, the Amazon Credit Card also includes several unique perks that often go unnoticed:
1. Real-Time Rewards Tracking
Unlike many credit cards, Amazon’s system lets you track your cashback in real time through your Amazon account. This visibility helps with budgeting and maximizing your rewards strategy.
2. Special Offers for First-Time Cardholders
Amazon frequently offers instant gift card bonuses (up to $100) upon approval, which are credited immediately, not after first purchase. These limited-time incentives are a great way to start with instant value.
3. Exclusive Prime Day & Holiday Promos
During Prime Day and seasonal sales, cardholders get early access to lightning deals, additional promotional cashback rates, and financing exclusives not available to non-cardholders.
4. Enhanced Security Features
With zero fraud liability, instant card lock, and virtual card numbers through Chase, you can shop securely across platforms.
What Are the Requirements to Apply?
Many people are surprised when their credit card application is denied. Understanding the approval criteria upfront can save time and frustration.
| Requirement | Details |
|---|---|
| Minimum Credit Score | 670 for regular Visa; 700+ recommended for Prime Rewards Visa |
| U.S. Residency | Must be a legal resident with a valid SSN or ITIN |
| Income Requirement | No public minimum, but higher income improves approval odds |
| Credit History | Clean credit history with no recent bankruptcies or charge-offs |
| Prime Membership (optional) | Needed to access full 5% cashback tier and Prime-exclusive perks |
FAQ – Common Questions About the Amazon Credit Card
Is the Amazon Credit Card a good card for beginners?
Not really. It requires a decent credit score and offers limited value outside of Amazon purchases. For beginners, secured cards might be a better starting point.
Does the Amazon card affect my credit score?
Yes, like all credit cards, applying triggers a hard inquiry, which may slightly lower your score temporarily. Proper use afterward can improve your score.
How long does approval take?
Most applicants receive an instant decision. In some cases, it may take 7-10 business days if additional review is needed.
Can I use it outside of Amazon?
Yes, the Visa version can be used anywhere Visa is accepted. The store card is limited to Amazon.com.
How to Apply for the Amazon Credit Card – Step-by-Step
- Visit the Official Application Page
Go to the official Amazon credit card portal. - Choose the Right Card for You
Select between the Amazon Prime Rewards Visa Card (usable anywhere Visa is accepted) or the Amazon Store Card (usable only on Amazon.com). - Log Into Your Amazon Account
Sign in with your existing Amazon account. If you don’t have one, you’ll need to create it before continuing. - Fill Out the Application Form
Enter your personal information, including your full name, date of birth, Social Security Number (or ITIN), income, employment status, and housing details. - Submit Your Application
Review your information carefully and click “Submit.” Most users receive an instant decision. If your application needs further review, Amazon will contact you within a few days. - Receive Your Digital Card Number
If approved, you’ll immediately receive a digital version of your card, allowing you to start shopping on Amazon right away and earning rewards. - Wait for Your Physical Card
Your physical card will arrive by mail within 7 to 10 business days. You can activate it online or by following the instructions provided.
Pro Tips to Increase Your Approval Odds
Even if your score is borderline or you’re unsure about approval, these data-backed tips can significantly boost your chances:
✅ 1. Check Your Credit Report First
Before applying, request a free credit report at AnnualCreditReport.com. Look for discrepancies or outdated negatives and dispute them before submitting your application.
✅ 2. Lower Your Credit Utilization Ratio
Credit bureaus and issuers favor applicants who use less than 30% of their credit limit. Pay down existing balances a few weeks before applying.
✅ 3. Apply After a Pay Raise or Bonus
Including a higher annual income (verifiable if requested) can influence approval. You don’t need to submit documents during the application but may be asked later for verification.
✅ 4. Don’t Apply for Other Cards Simultaneously
Multiple applications within a short time trigger red flags and lower your chances of approval. Space out credit applications by at least 90 days.
✅ 5. Consider Becoming a Prime Member
While not required, being a Prime Member not only unlocks better rewards but also improves your credibility as a high-intent Amazon shopper.
Final Thoughts
The Amazon Credit Card is more than just a convenient way to pay — it’s a reward-optimized tool for frequent online buyers. But to take full advantage, you need to understand the approval process, prepare accordingly, and apply strategically.
If you’re serious about maximizing your online spending and rewards, the Amazon Credit Card is a strong contender, especially when paired with a Prime membership.
