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The Amazon Store Card (issued by Synchrony Bank) is a closed-loop credit card usable only at Amazon and Whole Foods. It has more lenient approval than the Amazon Prime Visa, making it accessible for fair-credit and some bad-credit shoppers. Here is what to know in 2026.
Quick Verdict
Best for: Fair-credit Amazon shoppers wanting promotional financing on big purchases
Skip if: Bad-credit shoppers below 600 (try Affirm at Amazon instead) or anyone who does not shop Amazon regularly
Amazon Store Card vs Amazon Prime Visa
| Feature | Amazon Store Card | Amazon Prime Visa |
| Issuer | Synchrony | Chase |
| Where usable | Amazon and Whole Foods only | Anywhere Visa is accepted |
| Approval criteria | Lenient (fair credit) | Stricter (good credit) |
| Cashback at Amazon | 5% with Prime | 5% with Prime |
| Annual fee | None | None (Prime required) |
| Promo financing | 6, 12, 24 months on $50+ | No special promos |
Why the Amazon Store Card is bad-credit-friendly
Synchrony Bank issues store cards with looser approval standards than Chase. Bad-credit applicants with 600-650 credit often approve where they would be declined for a Prime Visa. The store-only restriction limits Synchrony’s risk.
What you get
- 5 percent cashback at Amazon and Whole Foods with Prime membership.
- Special financing on purchases over $50. 6, 12, or 24-month deferred-interest options.
- No annual fee.
- Reports to all 3 major credit bureaus. Helps build credit.
The deferred-interest trap
If you do not pay the promotional purchase in full by the end of the promo period, Synchrony back-charges interest at 29 percent from the date of purchase. A $1,200 purchase not paid off within 12 months becomes $1,500-$1,700. Always have a clear payoff plan.
Amazon Pay Later alternative
For shoppers who do not qualify for the Amazon Store Card or want a simpler experience, Affirm works at Amazon checkout for purchases $50+. Soft pull at prequalification.
Compliance note: Approval and rates depend on the lender and your credit profile. Subject to credit review. No guarantee of approval is implied.
FAQ
Can I get the Amazon Store Card with bad credit?
Possible with 600-650 credit. Below 600, decline is likely.
Does the Amazon Store Card build credit?
Yes. Synchrony reports to all 3 major credit bureaus. On-time payments build positive history.