Apply for Amazon Credit Card Synchrony
Apply for Amazon Credit Card Synchrony: If you’re a frequent Amazon shopper, you’ve probably come across the option to apply for the Amazon credit card issued by Synchrony Bank. But what exactly is this card? Let’s clear that up. Amazon, in partnership with Synchrony Bank, offers two main types of store cards: the Amazon Store Card and the Amazon Prime Store Card. These are closed-loop credit cards, meaning they can only be used on Amazon.com, not in other retail stores or for in-person purchases.
The Amazon Store Card is available to all Amazon users, but the Prime version is exclusively for those who are Amazon Prime members. The Prime card adds a layer of juicy benefits like 5% back on every purchase made on Amazon. The regular store card, while it doesn’t offer cash back, still provides access to special financing offers on larger purchases.
You might be thinking, “So what’s the catch?” The truth is, while these cards can be extremely beneficial, especially during holiday shopping seasons or for big-ticket items, they do come with high interest rates if you don’t pay off your balance in full. Still, if you’re already shopping a lot on Amazon, having this card can be a strategic financial move.
Another thing worth noting is that since Synchrony is the bank managing the card, you’ll need to handle your card payments, balances, and customer service inquiries through Synchrony’s platform—not directly through Amazon. This distinction is important when it comes to managing your account post-approval.
In short, the Amazon credit card from Synchrony is a solid choice for loyal Amazon customers—especially Prime members—who can pay off their balances every month. Whether you’re drawn in by the cashback rewards or the deferred interest financing options, this card is designed to enhance your shopping experience, so long as you use it wisely.
Benefits of the Amazon Credit Card
So why bother getting another credit card when your wallet’s probably already packed? Well, the Amazon Credit Card by Synchrony actually brings quite a few benefits to the table—especially if you’re a regular on Amazon. For starters, Amazon Prime Store Card holders get 5% back on all purchases made through Amazon. That’s like getting a permanent discount on everything you buy. If you’re not a Prime member, you won’t get the cashback, but you’ll still enjoy other perks.
One major advantage is the special promotional financing. Amazon offers no-interest financing options on purchases over a certain amount—typically $150 or more. These offers might include six-month, 12-month, or even 24-month no-interest payment plans depending on the size of the purchase and ongoing promotions. However, there’s a catch: it’s deferred interest. If you don’t pay off the full balance by the end of the promo period, you’ll be hit with interest charges retroactively from the purchase date.
Another benefit? Exclusive deals and offers. Cardholders often receive special discounts, early access to sales, and unique promotions that are only available to Amazon Store Card members. This can make a real difference during high-traffic shopping seasons like Prime Day, Black Friday, or back-to-school sales.
Also, managing your Amazon Credit Card is super convenient. You can view your statements, pay bills, and track your rewards all through Synchrony’s easy-to-use online portal. And for those concerned about credit building, timely payments on this card are reported to major credit bureaus, which can help improve your credit score over time.
In essence, the Amazon Credit Card isn’t just another piece of plastic—it’s a tool. If used responsibly, it can save you money, offer convenience, and unlock a world of Amazon-exclusive perks.
Eligibility Criteria
Before you get excited about racking up 5% cashback on every Amazon order, let’s talk about whether you’re eligible to apply. Unlike some premium credit cards that require stellar credit scores, the Amazon Credit Card by Synchrony is a bit more accessible—but that doesn’t mean it’s guaranteed.
First and foremost, you must be at least 18 years old and have a valid Social Security Number or Individual Taxpayer Identification Number. You also need to be a U.S. resident with a U.S. mailing address. This isn’t available internationally, so if you live outside the U.S., unfortunately, you’re out of luck.
Next up is your credit profile. Synchrony doesn’t publicly share an exact credit score requirement, but most successful applicants tend to have a fair to good credit score, usually in the 600-700 range. However, even if your score is lower, it’s still worth applying—some people have reported being approved with limited or fair credit history, especially if other factors like income or on-time payment history are favorable.
You don’t need to be an Amazon Prime member to apply for the standard Store Card, but if you want the Amazon Prime Store Card with cashback rewards, you must have an active Prime subscription at the time of application. That’s non-negotiable.
Another thing to consider is your income. While Synchrony doesn’t require a specific income threshold, they do ask for your annual income during the application process. This helps them determine your creditworthiness and set a proper credit limit.
If you’ve had issues with Synchrony in the past—like late payments or account defaults—they might deny your application. But for most people with steady income, decent credit, and responsible financial habits, approval is pretty attainable.
Documents and Information Required
Getting ready to apply? Great! Let’s make sure you have everything you need so you can breeze through the process without hiccups. Fortunately, the Amazon Credit Card application is entirely online and pretty straightforward—but you still need to provide some key details.
Here’s a list of essential information you’ll need to apply:
- Full Legal Name
- Home Address (No P.O. Boxes for this one)
- Social Security Number or ITIN
- Date of Birth
- Email Address (Preferably the one tied to your Amazon account)
- Phone Number
- Employment Status
- Annual Income
- Monthly Mortgage or Rent Payments
All of this information helps Synchrony Bank assess your creditworthiness and determine if you’re eligible for the card, and if so, how much of a credit limit to extend. Make sure you’re truthful and accurate—any discrepancies could result in a denial.
Now, let’s talk about credit scores. Synchrony will perform a hard inquiry on your credit report, which might slightly lower your score temporarily. So, if you’re planning other major credit activities soon (like applying for a car loan), time your application wisely.
You might also want to check your credit report beforehand to ensure everything looks good. Look out for any incorrect information, unpaid accounts, or red flags that could affect your chances. You can request a free copy from sites like AnnualCreditReport.com.
Lastly, keep in mind that if you’re applying for the Amazon Prime Store Card, make sure your Amazon account reflects your Prime membership status—otherwise, you’ll be funneled into the standard card.
Step-by-Step Guide to Applying Online
Applying for the Amazon Credit Card is easier than placing a Prime order—and that’s saying something! Here’s how you can go from “just browsing” to “cardholder status” in less than 10 minutes.
Step 1: Sign in to Your Amazon Account
First, go to Amazon.com. You’ll need to log in to your Amazon account, or if you don’t already have one, create it. This is essential because your credit card will be linked directly to your Amazon profile.
Step 2: Navigate to the Credit Card Page
Search “Amazon Store Card” or “Amazon Prime Store Card” in the Amazon search bar, or scroll to the footer and click on “Amazon Credit Cards.” You’ll be directed to a landing page that explains all the features and benefits.
Step 3: Choose Your Card
If you’re a Prime member, you’ll see the Prime Store Card option with rewards. If you’re not, the regular Store Card will be shown. Click “Apply Now.”
Step 4: Complete the Application
You’ll be redirected to Synchrony Bank’s secure application page. Fill out the form with all the required info (refer to the documents section above). Double-check everything before submitting—mistakes can delay your application.
Step 5: Submit and Wait
Click “Submit.” In many cases, you’ll get an instant decision within seconds. If they need more time to review your credit or verify details, you’ll receive an email with the next steps.
Once approved, you’ll get your card details immediately for use on Amazon—no need to wait for the physical card to arrive!
What Happens After You Apply?
So, you’ve hit “submit” on your Amazon Credit Card application—now what? The waiting game begins, but luckily, it usually doesn’t last long. In most cases, you’ll get an instant decision right after applying. Synchrony Bank uses an automated system to evaluate your creditworthiness quickly based on the information you’ve provided and your credit report.
If you’re approved instantly, congratulations! You’ll receive a digital version of your Amazon Credit Card right away that you can start using immediately on Amazon.com—yep, even before the physical card shows up in your mailbox. This means you can start taking advantage of cashback or special financing offers the same day.
However, not everyone gets an instant “yes.” Sometimes, applications are sent into further review, especially if there’s conflicting or missing information. This could mean Synchrony wants to verify your income or other personal details. Don’t panic—this is common. You’ll usually get an update via email within 7–10 business days, although sometimes they might even call you for clarification.
In rare cases, you may be asked to send in documents like proof of address or income. If this happens, respond quickly to avoid delays or auto-denial. If your application is denied, you’ll receive an adverse action letter in the mail explaining why. This could be due to a low credit score, insufficient income, or a negative mark on your credit report.
Even if you’re not approved the first time, you’re not out of options. You can always reapply in a few months after improving your credit, or consider one of Amazon’s alternative cards, like the Amazon Rewards Visa Card from Chase, which is accepted everywhere Visa is.
Either way, once approved, you’ll get your physical card in 7 to 10 business days, and you can start managing your account through Synchrony’s portal.
Understanding Your Credit Limit and Interest Rates
Once your Amazon Credit Card is approved, one of the first things you’ll want to know is: how much can I spend? That’s your credit limit, and it’s decided by Synchrony based on several factors like your credit score, income, debt-to-income ratio, and payment history with other creditors.
Most applicants receive starting credit limits ranging from $500 to $2,000, though some with excellent credit may get even more. Over time, Synchrony may increase your limit automatically if you manage your card responsibly—make payments on time, keep your balance low, and maintain a good overall credit profile.
But while it’s great to have a higher limit, be cautious: this card carries high-interest rates, typically in the 26.99% APR range (variable). That’s a big deal because if you carry a balance from month to month, you’ll be paying a hefty amount in interest. This card isn’t ideal for long-term revolving balances—it’s best used for paying in full each billing cycle or using special financing offers.
Speaking of financing, the card often includes promotional interest-free periods on large purchases (usually over $150). These are deferred-interest deals, meaning you must pay the full amount before the promo ends, or you’ll be charged interest dating back to the purchase date. It’s a bit like a financial trap if you’re not careful, so always read the fine print.
Lastly, your credit usage on this card contributes to your credit utilization ratio, which is a key factor in your credit score. Keeping your balance below 30% of your limit is a smart move to help build or maintain good credit.
So, use your credit limit wisely, understand how the interest rates work, and make sure you’re not just swiping away without a plan. Financial freedom starts with informed decisions.
Managing Your Amazon Credit Card Account
Now that you’re a proud Amazon Credit Cardholder, the next step is learning how to manage your account like a pro. Even though Amazon is where you’ll use the card, it’s Synchrony Bank that handles all the backend stuff—payments, statements, credit limits, and customer service.
First, Set Up Your Online Account
Go to the Synchrony Bank website and click “Register” to create an account. You’ll need your card number, Social Security Number, and some personal info to verify your identity. Once you’re in, you’ll be able to check your balance, view statements, make payments, set alerts, and more.
Making Payments
You can pay your bill online, by phone, or by mail. Synchrony also lets you set up autopay, which is a great option to avoid missed due dates. Make sure to pay off your balance in full each month if you want to avoid those steep interest charges. Even the minimum payment will keep your account in good standing, but it won’t help you dodge interest.
Track Your Spending and Rewards
Through the portal, you can monitor how much you’re spending and how much cashback you’re earning (if you have the Prime version). You’ll also get access to monthly statements and payment histories, which are useful for budgeting or disputes.
Mobile Access
Prefer to manage on the go? Download the MySynchrony mobile app. It’s available on both iOS and Android and mirrors the web portal features—easy, fast, and super convenient.
Customer Support
If something goes wrong—like a payment glitch or a suspicious charge—Synchrony’s customer service is available via phone or online chat. Don’t contact Amazon for card-related issues; they’ll just redirect you to Synchrony.
Managing your card well not only helps you stay organized, but it also boosts your credit score over time. Stay on top of payments, keep an eye on your balance, and make the most out of your Amazon shopping sprees.
Tips to Maximize Your Amazon Credit Card
Want to get the most bang for your buck? Whether you’re using the standard Amazon Store Card or the Prime version, there are tons of ways to squeeze out every possible benefit. Here are some insider tips to help you maximize your Amazon Credit Card:
1. Use the Card Only on Amazon
Remember, this is a store card, which means you can only use it at Amazon.com. If you need a more flexible credit option, consider other cards. But if Amazon is your shopping home base, this card is perfect for scoring cashback or using promotional financing.
2. Pay in Full Every Month
This can’t be stressed enough. The interest rate is sky-high, so avoid carrying a balance unless you’re under a 0% financing offer. Paying your balance in full ensures you’re not throwing away your cashback rewards on interest fees.
3. Leverage Special Financing
Amazon often runs interest-free promos on big-ticket items like laptops, TVs, and appliances. These offers can be a lifesaver—just remember to pay off the balance before the promo ends. Otherwise, you’ll get slapped with backdated interest.
4. Set Payment Reminders
Avoid late fees and interest charges by setting up payment reminders or enabling autopay in your Synchrony account. One late payment can also ding your credit score.
5. Track Cashback and Promotions
If you’re a Prime cardholder, check your cashback earnings regularly. Amazon may also run exclusive bonus offers, such as extra cashback on specific product categories. Keep an eye on your email for these promos.
6. Ask for a Credit Limit Increase
After six months of on-time payments, try requesting a credit limit increase through Synchrony. A higher limit improves your credit utilization ratio and gives you more purchasing power.
In short, treat your Amazon Credit Card as a financial tool, not a free pass to overspend. When used strategically, it can enhance your Amazon experience and even help build your credit.
Potential Downsides and Considerations
While the Amazon Credit Card by Synchrony offers some enticing perks, it’s not all sunshine and cashback. Like any financial product, this card comes with a set of potential downsides that you should consider before hitting that “Apply Now” button.
1. Limited Usability
The biggest limitation? You can only use the Amazon Store Card on Amazon.com. It’s not a Visa or Mastercard, so it won’t work at restaurants, gas stations, or even other online retailers. If you’re looking for a more versatile credit card, this one might not cut it. It’s great for Amazon loyalists, but pretty much useless elsewhere.
2. High Interest Rates
This card comes with a high APR—typically around 26.99% or more, depending on your credit. If you carry a balance, the interest can add up fast, potentially wiping out any rewards you earned. It’s crucial to pay off your balance in full each month or take advantage of the promotional financing offers—and even then, be careful not to miss the deadline.
3. Deferred Interest Gotchas
Those 0% financing deals can be super attractive, but they’re not the same as zero-interest. They’re deferred interest, meaning if you don’t pay off the entire promotional balance by the end of the term, you’ll be charged interest retroactively from the purchase date. That’s a harsh hit if you’re not prepared.
4. Customer Service Complaints
Some users report frustration dealing with Synchrony Bank’s customer service, especially when trying to resolve billing errors, credit disputes, or payment posting issues. Since you’re working through a third-party bank (not Amazon), resolutions can take longer and be less customer-friendly than you’d expect from the retail giant.
5. Impact on Credit Score
Like all credit cards, opening a new line affects your credit score. There’s a hard inquiry at the time of application, and a low credit limit or high balance can negatively affect your credit utilization ratio.
Bottom line: this card is best for financially disciplined Amazon shoppers. If you’re unsure about managing payments or prefer more flexibility, it may be worth exploring other credit card options with lower interest and broader usage.
Troubleshooting Common Application Issues
Sometimes, applying for the Amazon Credit Card doesn’t go as smoothly as you’d hope. Whether your application gets denied or you hit a technical snag, don’t worry—there are ways to troubleshoot and move forward.
1. Application Denied? Don’t Panic
If you’re denied, you’ll receive an adverse action letter from Synchrony Bank in the mail within 7–10 business days. This letter will explain the reasons for the denial, which could include:
- Low credit score
- High credit utilization
- Insufficient income
- Recent delinquencies or negative marks
Don’t let a denial stop you. Use it as an opportunity to check your credit report (you can do it free once a year) and see what needs improving. Work on building your credit, lowering your debt, and making timely payments. You can reapply in a few months.
2. Pending Application?
If your application status says “pending,” Synchrony may be verifying some of your information. This isn’t unusual. They may request additional documents like proof of income or identification. Be sure to check your email and respond promptly to avoid delays.
3. Didn’t Receive a Decision?
Sometimes, the confirmation email gets caught in your spam folder. If you haven’t heard back in more than 10 business days, contact Synchrony Bank directly via their customer service number. Have your application reference number ready.
4. Tech Glitches
It’s rare, but the application portal might crash or freeze. If you encounter a tech issue while applying, try switching browsers or devices. Clearing your browser cache can also help. Still no luck? You can call Synchrony to apply by phone.
5. Amazon Prime Not Detected?
Some users applying for the Prime Store Card find that the system doesn’t recognize their Prime membership. Make sure you’re logged into the correct Amazon account and that your Prime status is active and current.
Most hiccups are easily resolved. The key is to stay calm, act quickly, and communicate with Synchrony if needed.
Alternatives to the Amazon Credit Card
If you’re on the fence about the Amazon Store Card or don’t quite qualify, you’ll be glad to know there are plenty of alternatives—some even better depending on your shopping habits and financial goals.
1. Amazon Rewards Visa Signature Card (by Chase)
This is Amazon’s other credit card, and it’s a Visa card—meaning you can use it anywhere Visa is accepted. Prime members earn:
- 5% back on Amazon and Whole Foods purchases
- 2% back at restaurants, gas stations, and drugstores
- 1% back on everything else
Plus, there’s no annual fee, and the cashback gets credited directly to your Amazon account.
2. Capital One Walmart Rewards Card
If you shop at Walmart more than Amazon, this might be a better fit. It offers:
- 5% back at Walmart.com (including grocery pickup & delivery)
- 2% back at Walmart stores, restaurants, and travel
- 1% back everywhere else
It’s a flexible card with broad usage and solid rewards.
3. Discover It® Cash Back
A great all-around card, Discover It offers rotating 5% cashback categories, often including Amazon during Q4 (holiday season). Plus, Discover matches all cashback earned in your first year.
4. Citi® Double Cash Card
Prefer simplicity? This one gives you 2% back on every purchase—1% when you buy, and 1% when you pay. No categories, no limits.
5. Store Credit Cards from Best Buy, Target, etc.
If you’re into brand loyalty, these cards offer in-store perks similar to the Amazon Store Card—just tailored to different retailers.
When choosing a card, think about where you spend most often, how you handle balances, and whether you want a card with broader use. There’s no one-size-fits-all, so take time to compare options and choose wisely.
User Experiences and Reviews
Wondering what real users think about the Amazon Credit Card by Synchrony? The feedback is mixed, with plenty of praise and a fair share of complaints. Here’s a breakdown based on common themes from customer reviews.
The Good:
Most cardholders love the 5% cashback on Amazon purchases—especially Prime members. For frequent shoppers, this adds up quickly and feels like an automatic discount. Users also appreciate the instant access to the card after approval, which is convenient for spontaneous purchases or big sales.
The special financing options are another favorite feature. Shoppers who plan large purchases like electronics or home goods often use the 0% financing promos to pay over time without interest—so long as they meet the terms.
The Not-So-Good:
One common complaint is the high interest rate. If you forget to pay your full balance or miss a payment, the APR can be brutal. Many users warn others to use the card only if they’re confident in paying it off monthly.
Some reviewers have run into issues with Synchrony’s customer service, describing it as slow or unhelpful when resolving disputes or posting payments. Others were frustrated by unexpected drops in credit limits or sudden account closures, even with a perfect payment history—actions that can negatively impact your credit score.
There are also occasional technical glitches with Synchrony’s online portal or mobile app, although these seem to be the exception rather than the norm.
Final Verdict:
For disciplined Amazon shoppers who pay in full and love stacking up rewards, this card is a solid choice. But if you tend to carry a balance or want a card for everyday use outside of Amazon, you may want to explore more flexible options.
FAQs about Apply Amazon Credit Card Synchrony
1. How do I apply for an Amazon Credit Card with Synchrony?
To apply for an Amazon Credit Card with Synchrony, visit the Amazon credit card page and select the Synchrony option. Follow the prompts to enter your personal information and submit your application securely online.
2. What are the requirements to qualify for this card?
Applicants must have a valid Social Security number, be at least 18 years old, and have a U.S. address. Credit approval is also based on your credit history and financial standing.
3. Can I apply if I have bad credit?
While approval is not guaranteed, Synchrony Bank does offer options for individuals with a range of credit profiles. It’s advisable to check your credit score before applying to understand your chances better.
4. What are the benefits of an Amazon Credit Card with Synchrony?
Benefits include special financing options on eligible Amazon purchases, reward points, no annual fee, and exclusive cardholder discounts.
5. How long does it take to get approved?
Approval times can vary, but many applicants receive an instant decision. If additional review is needed, it may take a few days to a few weeks.
6. How can I manage my account online?
Once approved, you can manage your Amazon Credit Card account online through Synchrony’s website. This allows you to view statements, make payments, and track reward points.
7. What should I do if my application is declined?
If your application is declined, Synchrony Bank will provide the reasons for the decision. You can improve your credit profile and consider reapplying in the future.
Conclusion
That said, it’s not the right choice for everyone. Its limited usability, high APR, and the fine print around deferred interest can be potential pitfalls if you’re not careful. But if you’re already shopping on Amazon regularly and confident in paying your balances in full each month, the benefits can really add up.
The key is understanding what the card offers—and what it doesn’t. Know your shopping habits, read the terms, and treat your credit card as a financial tool, not a shortcut to more debt. Whether you’re buying gifts, gadgets, or groceries, this card can make your Amazon experience smoother and more rewarding.
Happy shopping—and happy saving!
